First National Bank of America: 2025 mortgage rates, costs & approvals
How First National Bank of America priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: First National Bank of America · LEI 254900WTZC5SSKIN2M11
In 2025, First National Bank of America originated 2,181 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 47 states — 261st by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 8.875% (all lenders: 6.625%); its median rate spread was 256 basis points above the national median. Median conventional loan costs were $12,080, 117% higher than the national median ($5,570).
It denied 11.4% of completed home-purchase applications (all lenders: 8.5%).
How First National Bank of America priced home-purchase loans
| Purchase loans, 2025 | First National Bank of America | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 8.875% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +2.69 pts | +0.13 pts |
| Total loan costs · conventional | $12,080 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $9,060 | $1,860 |
| Borrowers paying discount points | 0.0% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 6.3% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why First National Bank of America denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where First National Bank of America lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| North Carolina | 187 | 218 | 12.3% | 8.990% | $11,790 |
| Illinois | 166 | 192 | 12.3% | 8.750% | $11,420 |
| Texas | 147 | 166 | 9.4% | 8.875% | $11,920 |
| Georgia | 137 | 156 | 10.4% | 8.875% | $12,060 |
| Maryland | 126 | 141 | 8.1% | 9.000% | $12,880 |
| Connecticut | 108 | 121 | 7.3% | 8.750% | $13,520 |
| California | 104 | 122 | 9.7% | 8.625% | $13,560 |
| Florida | 98 | 121 | 14.1% | 9.000% | $13,200 |
| Massachusetts | 96 | 114 | 11.1% | 8.990% | $16,100 |
| New Jersey | 92 | 109 | 14.7% | 8.875% | $13,020 |
| South Carolina | 89 | 98 | 5.8% | 9.125% | $12,430 |
| Virginia | 80 | 91 | 6.7% | 8.750% | $11,390 |
| New York | 71 | 83 | 15.5% | 8.750% | $20,030 |
| Washington | 64 | 69 | 5.4% | 8.750% | $14,030 |
| Tennessee | 64 | 68 | 6.3% | 8.625% | $11,570 |
| Colorado | 56 | 63 | 6.4% | 8.750% | $13,160 |
| Michigan | 50 | 61 | 14.5% | 9.490% | $8,480 |
| Kentucky | 47 | 52 | 9.5% | 8.740% | $9,320 |
| Alabama | 46 | 57 | 15.7% | 9.125% | $8,690 |
| Pennsylvania | 43 | 50 | 6.8% | 9.000% | $9,350 |
| Indiana | 41 | 55 | 26.0% | 8.990% | $8,380 |
| Louisiana | 39 | 43 | 8.1% | 9.125% | $9,160 |
| Nevada | 33 | 38 | 15.6% | 8.750% | $12,110 |
| Oregon | 32 | 37 | 12.1% | 8.375% | $13,780 |
| Arizona | 31 | 40 | 19.1% | — | — |
| Ohio | 29 | 36 | 13.8% | 9.250% | $10,930 |
| Kansas | 16 | 17 | — | — | — |
| Utah | 14 | 17 | — | — | — |
| Delaware | 12 | 16 | — | — | — |
| Missouri | 12 | 14 | — | — | — |
| Wisconsin | 8 | 10 | — | — | — |
| Mississippi | 6 | 9 | — | — | — |
| Minnesota | 5 | 8 | — | — | — |
| Idaho | 5 | 6 | — | — | — |
| New Hampshire | 5 | 6 | — | — | — |
| West Virginia | 3 | 5 | — | — | — |
| Oklahoma | 3 | 4 | — | — | — |
| District of Columbia | 3 | 3 | — | — | — |
| Nebraska | 3 | 3 | — | — | — |
| Maine | 2 | 4 | — | — | — |
| Montana | 2 | 3 | — | — | — |
| New Mexico | 2 | 2 | — | — | — |
| Rhode Island | 2 | 2 | — | — | — |
| Iowa | 1 | 3 | — | — | — |
| Arkansas | 1 | 1 | — | — | — |
| South Dakota | 0 | 1 | — | — | — |
| Vermont | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open First National Bank of America's page for that state.
Counties where First National Bank of America is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Gilliam County, OR | 4 | 1 | 5.9% |
| Dallas County, AR | 6 | 1 | 2.8% |
| Emporia city, VA | 11 | 1 | 2.1% |
| Chariton County, MO | 13 | 1 | 1.6% |
| Arenac County, MI | 18 | 2 | 1.3% |
| Cuming County, NE | 10 | 1 | 1.3% |
| Lemhi County, ID | 14 | 1 | 1.2% |
| Sussex County, VA | 22 | 1 | 1.1% |
| Vance County, NC | 23 | 3 | 1.0% |
| Granville County, NC | 24 | 8 | 1.0% |
| Jasper County, SC | 21 | 11 | 0.9% |
| Taylor County, FL | 18 | 1 | 0.9% |
| Dukes County, MA | 19 | 1 | 0.8% |
| Gogebic County, MI | 24 | 1 | 0.6% |
Check First National Bank of America yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 254900WTZC5SSKIN2M11.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from First National Bank of America with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology