First National Bank of America mortgage approval rate & lending review
First National Bank of America decided 10,011 mortgage applications and funded 8,215 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First National Bank of America reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First National Bank of America at a glance
Approval is 2.6 points below the 85.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 7,171 / 8,271 | 99% | $275K | 7,086 |
| Home improvement loans | 70% | 111 / 159 | 97% | $155K | 108 |
| Cash-out refinance | 63% | 296 / 469 | 98% | $235K | 291 |
| Refinance | 73% | 259 / 354 | 98% | $235K | 253 |
| Investment property purchase | 67% | 436 / 650 | 98% | $155K | 427 |
| Investment cash-out refinance | 50% | 17 / 34 | 100% | $185K | 17 |
| Investment refinance | 45% | 19 / 42 | 100% | $145K | 19 |
| Investment home improvement | 47% | 15 / 32 | 93% | $125K | 14 |
First National Bank of America lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 88% | $265K | 765 | 666 |
| Illinois | 81% | $205K | 753 | 597 |
| Maryland | 85% | $295K | 716 | 597 |
| Texas | 83% | $225K | 697 | 572 |
| Florida | 77% | $275K | 641 | 484 |
| North Carolina | 88% | $275K | 558 | 485 |
| Massachusetts | 90% | $405K | 503 | 450 |
| California | 80% | $365K | 446 | 348 |
| New Jersey | 79% | $275K | 433 | 339 |
| South Carolina | 88% | $285K | 424 | 365 |
| New York | 78% | $445K | 355 | 273 |
| Connecticut | 86% | $245K | 329 | 275 |
| Washington | 84% | $405K | 329 | 274 |
| Virginia | 86% | $245K | 292 | 250 |
| Pennsylvania | 77% | $185K | 232 | 176 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First National Bank of America lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Gwinnett County, GA | Mortgage lenders | 90% | 220 | 197 |
| Prince George's County, MD | Mortgage lenders | 90% | 195 | 171 |
| Montgomery County, MD | Mortgage lenders | 87% | 132 | 115 |
| Suffolk County, NY | Mortgage lenders | 84% | 125 | 105 |
| Berkeley County, SC | Mortgage lenders | 93% | 103 | 94 |
| Beaufort County, SC | Mortgage lenders | 97% | 72 | 67 |
| Western Connecticut Planning Region, CT | Mortgage lenders | 84% | 73 | 60 |
| Chesterfield County, VA | Mortgage lenders | 90% | 67 | 60 |
| Johnston County, NC | Mortgage lenders | 95% | 63 | 58 |
| Shelby County, AL | Mortgage lenders | 95% | 60 | 57 |
| Burlington County, NJ | Mortgage lenders | 93% | 61 | 57 |
| Fayette County, KY | Mortgage lenders | 96% | 56 | 54 |
The county markets where First National Bank of America made the most loans. Each link opens that market with every lender ranked.
Questions about First National Bank of America
What is First National Bank of America's mortgage approval rate?
First National Bank of America approved 83.1% of the 10,011 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.6 points below the 85.7% national rate for the same mix of loan types.
How often do borrowers take the loan First National Bank of America offers?
Borrowers accepted 99% of the loans First National Bank of America approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First National Bank of America make?
The typical home purchase mortgage loan First National Bank of America made was $275K; across all loan types its typical loan ran from $125K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First National Bank of America lend?
First National Bank of America decided applications in 49 of the states Fat Boy Data covers, most of them in Georgia, Illinois and Maryland.
Can I apply to First National Bank of America directly?
Yes. First National Bank of America is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First National Bank of America's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First National Bank of America treats applications, then get a rate quote from the lender.