First National Bank of America closing costs and rates (2024)
In 2024, First National Bank of America originated 3,007 purchase mortgages at a median interest rate of 9.45% and median total closing costs of $11,455. That ranks #154 nationally by origination volume. For total closing costs among lenders with 500+ originations, First National Bank of America ranks #588. That is $4,714 above the national median of $6,741. First National Bank of America is most active in Georgia with 288 originations there.
Purchase Originations
3,007
Ranked #154 nationally
Median Total Costs
$11,455
+69.9% vs national ($6,741)
Median Rate
9.450%
+42.8% vs national (6.620%)
Median Origination
$8,592
Median Lender Credits
$5
Cost Rank (500+ vol.)
#588
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 3,007 | 9.450% | $11,455 | $8,592 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 288 | 9.500% | $10,987 | #81 |
| Maryland | 216 | 9.375% | $12,433 | #60 |
| Texas | 197 | 9.750% | $10,712 | #201 |
| North Carolina | 183 | 9.500% | $10,706 | #110 |
| Illinois | 181 | 9.490% | $11,306 | #103 |
| Massachusetts | 156 | 9.245% | $15,504 | #63 |
| Florida | 154 | 9.740% | $11,845 | #197 |
| South Carolina | 150 | 9.750% | $12,248 | #91 |
| California | 132 | 9.125% | $12,607 | #175 |
| Virginia | 131 | 9.375% | $10,836 | #111 |
| Connecticut | 107 | 9.500% | $12,187 | #46 |
| New Jersey | 107 | 9.500% | $12,373 | #104 |
| New York | 88 | 9.500% | $17,949 | #128 |
| Tennessee | 88 | 9.375% | $11,886 | #136 |
| Washington | 81 | 9.240% | $13,969 | #114 |
| Kentucky | 71 | 9.500% | $8,735 | #100 |
| Alabama | 69 | 9.625% | $8,701 | #114 |
| Indiana | 68 | 9.562% | $8,004 | #150 |
| Colorado | 66 | 9.240% | $13,161 | #125 |
| Nevada | 59 | 9.240% | $11,302 | #90 |
| Ohio | 57 | 9.750% | $8,232 | #177 |
| Michigan | 53 | 9.500% | $8,466 | #149 |
| Pennsylvania | 48 | 9.745% | $8,959 | — |
| Oregon | 43 | 9.375% | $13,448 | — |
| Arizona | 38 | 9.375% | $12,726 | — |
| Louisiana | 31 | 9.375% | $7,859 | — |
| Minnesota | 17 | 9.500% | $9,880 | — |
| Utah | 16 | 9.000% | $13,643 | — |
| Delaware | 15 | 9.750% | $11,204 | — |
| Kansas | 13 | 9.500% | $10,285 | — |
| Mississippi | 12 | 9.058% | $9,308 | — |
| Wisconsin | 10 | 10.558% | $8,001 | — |
| Missouri | 9 | 9.000% | $7,970 | — |
| New Hampshire | 7 | 9.240% | $13,999 | — |
| Idaho | 5 | 9.250% | $19,525 | — |
| Nebraska | 5 | 9.375% | $8,521 | — |
| New Mexico | 5 | 8.990% | $7,678 | — |
| Oklahoma | 5 | 8.750% | $10,711 | — |
| Arkansas | 4 | 9.683% | $8,191 | — |
| Rhode Island | 4 | 9.250% | $14,428 | — |
| West Virginia | 4 | 8.995% | $9,120 | — |
| District of Columbia | 3 | 9.750% | $11,709 | — |
| Montana | 3 | 8.990% | $9,984 | — |
| Iowa | 2 | 10.688% | $5,737 | — |
| Maine | 2 | 10.188% | $8,921 | — |
| Wyoming | 2 | 8.620% | $13,156 | — |
| Alaska | 1 | 9.500% | $10,891 | — |
| South Dakota | 1 | 10.000% | $4,870 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,496 | 9.812% | — | 32 | −$3,959 | |
| 2 | $8,227 | 9.750% | — | 25 | −$3,228 | |
| 3 | $8,297 | 10.178% | — | 26 | −$3,158 | |
| 4 | $9,760 | 9.750% | — | 71 | −$1,695 | |
| 5 | $10,239 | 9.250% | — | 37 | −$1,216 | |
| 6 | $11,058 | 9.375% | — | 40 | −$397 | |
| 7 | $11,351 | 9.125% | — | 49 | −$104 | |
| 8 | $11,428 | 9.250% | — | 100 | −$27 | |
| 9 | $11,919 | 9.375% | — | 79 | +$464 | |
| 10 | $12,060 | 9.750% | — | 27 | +$605 | |
| 11 | $12,069 | 9.750% | — | 35 | +$614 | |
| 12 | $12,285 | 9.500% | — | 25 | +$830 | |
| 13 | $12,626 | 9.750% | — | 41 | +$1,171 | |
| 14 | $12,741 | 9.375% | — | 32 | +$1,286 | |
| 15 | $13,505 | 9.375% | — | 61 | +$2,050 | |
| 16 | $14,320 | 9.245% | — | 38 | +$2,865 | |
| 17 | $14,706 | 9.375% | — | 30 | +$3,251 | |
| 18 | $14,996 | 9.370% | — | 42 | +$3,541 | |
| 19 | $15,947 | 9.240% | — | 46 | +$4,492 | |
| 20 | $18,485 | 9.500% | — | 39 | +$7,030 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.