Bank of America, National Association

Phone

800-432-1000 From the lender's website, retrieved November 9, 2026. Source page

Website

www.bankofamerica.comFrom the FDIC record, November 9, 2026.

Commercial lending page

business.bankofamerica.comFrom the lender's website, retrieved November 11, 2026.

Names it files under

Bank of America NA; BANK OF AMERICA N.A.; Bank of America, N.A.; Bank of America CorporationFDIC institution record, Nov 9, 2026

Address

100 N Tryon St, Charlotte, NC 28202FDIC institution record, Nov 9, 2026

Regulator record

FDIC BankFind

Recorded lending. Two or more public files show loans this lender made.

What changed. Bank of America, National Association originated 31 multifamily loans in 2025, versus 17 in 2024. HMDA, 2025

Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.

• 162 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name Bank of America, National Association as the lender, totaling $10.3B.
• 53 of them were recorded in the latest 12 months of that window.

How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.

Reference only: $256B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.

How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: name and lender office city.

Other lenders in these fields: SBA lenders for dental practices, SBA lenders for restaurants, SBA lenders for child care businesses.

Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA). CMBS originator (SEC filings).

• Bank of America, National Association reported making 555,227 small business loans totaling $12,616,622,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
• By size when made: 543,062 of $100,000 or less, 5,657 over $100,000 up to $250,000, 6,508 over $250,000 up to $1 million.
• Most of these are small-dollar accounts such as business cards: 2.2% were over $100,000, and the average was $22,723.
• 385,565 of them, totaling $5,859,813,000, went to businesses with revenue of $1 million or less.
• Bank of America, National Association reported making 3,242 small farm loans totaling $50,226,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
• By size when made: 3,208 of $100,000 or less, 19 over $100,000 up to $250,000, 15 over $250,000 up to $500,000.
• Most of these are small-dollar accounts such as business cards: 1.1% were over $100,000, and the average was $15,492.
• 2,143 of them, totaling $25,695,000, went to farms with revenue of $1 million or less.

In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.

Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.

How this filing was tied to this bank: OCC charter via FFIEC POR + transmittal RSSD.

• Bank of America, National Association reported commitments to fund construction loans that had not been drawn at June 30, 2026: $490,000,000 for 1-4 family residential construction and $8,058,000,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
• Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $419,643,000,000. These are credit lines not yet used.

FFIEC Call Report, Jun 30, 2026

Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.

Also in PA, MD, NV, SC, MI, CT, OH, TN, OR, CO, MO, AR, NM, DC, OK, RI, UT, NH, MN, IN, KS, ID, KY, WI, DE, ME, IA, NE, AL, MT, LA, HI, VT.

• Bank of America, National Association has 3,598 offices in 443 counties and 39 states (FDIC Summary of Deposits, June 30, 2026): 3,528 full service and 70 limited service.

Loan production offices are not in this file. A bank with no office here can still lend here.

Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.

• Of 2,161 1-4 unit investor loans with a known channel in 2025, 142 (6.6%) came through a third party. HMDA, 2025

Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.

Preferred Lender authority

828 loans (41.1%)

SBA Express

1,185 loans

Approval to first disbursement

25 days, median of 1,856

SBA FOIA, Sep 30, 2026 SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.

Compare these lenders side by side

Regulator

Office of the Comptroller of the Currency

FDIC certificate

3510

RSSD

480228

LEI

B4TYDEB6GKMZO031MB27

The Lender Report ID

lr_000002

FDIC classifies this bank as

All Other Over 1 Billion

Ownership

Stock

Head office metro area

Charlotte-Concord-Gastonia, NC-SC

FDIC institution record, Nov 9, 2026 The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.

Sources

• FDIC institution record, November 9, 2026
• FDIC office list, October 28, 2026
• FDIC call report, June 30, 2026
• FDIC call report, June 30, 2025
• HMDA, 2025
• SBA FOIA, September 30, 2026
• FFIEC Call Report, June 30, 2026
• FDIC call reports, June 30, 2026
• FFIEC CRA disclosure data, 2024
• FDIC Summary of Deposits, June 30, 2026
• NYC ACRIS recorded mortgages, September 30, 2026

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.

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