First National Bank of America
2,709 mortgages originated in 2025 across 22 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,709
- Median rate
- 8.875%
- Median lender fees
- $11,458
- Median loan amount
- $255,000
- Median spread over APOR
- 2.755
- Paid discount points
- 0%
- Received lender credits
- 7.1%
- Purchases / refinances
- 83% / 11.4%
- Conventional / FHA / VA
- 100% / 0% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 94.3% of loans here — see methodology.
Where First National Bank of America lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| North Carolina | 235 | $11,573 | 8.875% |
| Illinois | 187 | $10,961 | 8.750% |
| Texas | 181 | $10,936 | 9.000% |
| Georgia | 169 | $11,691 | 8.875% |
| Maryland | 143 | $12,444 | 9.125% |
| Florida | 142 | $11,697 | 9.125% |
| California | 124 | $12,832 | 8.740% |
| Connecticut | 119 | $13,496 | 8.875% |
| South Carolina | 111 | $12,166 | 9.125% |
| Massachusetts | 107 | $16,090 | 8.875% |
| New Jersey | 97 | $12,758 | 8.775% |
| Virginia | 94 | $11,097 | 8.750% |
| Washington | 89 | $12,420 | 8.875% |
| New York | 88 | $19,272 | 8.750% |
| Michigan | 88 | $7,246 | 8.933% |
| Tennessee | 80 | $10,437 | 8.750% |
| Colorado | 69 | $12,977 | 8.750% |
| Kentucky | 56 | $8,882 | 8.750% |
| Alabama | 56 | $8,646 | 9.125% |
| Pennsylvania | 53 | — | 9.000% |
| Arizona | 51 | — | 9.000% |
| Indiana | 51 | $8,349 | 9.000% |