We analyzed every closed loan from First National Bank of America — 3.1k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Summary
What They Do Well
- Nationwide availability with consistent service
Things to Think About
- Rates typically 187 basis points above market average
- Higher than average fees ($6,885)
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Report Card
First National Bank of America performance at a glance
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,126 | 99.4% | +1.868%Above | $6,885Fees | ||||
Jumbo Loans | — | 19 | 0.6% | — | — |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,941 | 93.5% | +1.874%Above | $7,211Fees | ||||
Refinance | — | 204 | 6.5% | +1.828%Above | $4,716Fees |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
States with Loan Originations
47Full-year 2024 · HMDATop Metro Areas by Place Specialization Score
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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