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Multifamily record
First National Bank of America: multifamily loans made
First National Bank of America, a bank based in East Lansing, MI, made 38 multifamily loans in 2024 and 2025, $40.9M in all, in 8 states. The typical loan was about $560K, and the largest about $6M. Most were in Michigan.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 9, 2026
- Multifamily loans
- 38
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $40.9M
- HMDA,
- Rounded amounts
- Typical loan
- $560K
- HMDA,
- Largest loan
- $6M
- HMDA,
- Rounded to 2 significant figures
- States
- 8
- HMDA,
Cite this
Source: The Lender Report, First National Bank of America: multifamily loans made, https://lender.report/lender/first-national-bank-of-america-mi/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Ingham County, MI | Purchase, 50 to 99 units | $3M | 6.9% | 5 yr | 80% | HMDA 2025 |
| 2025 | Calhoun County, MI | Purchase, 50 to 99 units | $2.6M | 7% | 5 yr | 67% | HMDA 2025 |
| 2025 | Northumberland County, PA | Purchase, 25 to 49 units | $2M | 7.63% | 20 yr | 50% | HMDA 2025 |
| 2025 | Michigan | Purchase, 25 to 49 units | $1.5M | 6.9% | 5 yr | 75% | HMDA 2025 |
| 2025 | Gratiot County, MI | Purchase, 5 to 24 units | $820K | 6.9% | 5 yr | 72% | HMDA 2025 |
| 2025 | Grand Rapids-Wyoming-Kentwood, MI | Purchase, 5 to 24 units | $780K | 6.9% | 5 yr | 58% | HMDA 2025 |
| 2025 | Ingham County, MI | Purchase, 5 to 24 units | $760K | 6.7% | 5 yr | 69% | HMDA 2025 |
| 2025 | Barry County, MI | Purchase, 5 to 24 units | $740K | 7% | 5 yr | 61% | HMDA 2025 |
| 2025 | Summit County, OH | Purchase, 5 to 24 units | $680K | 7.5% | 20 yr | 60% | HMDA 2025 |
| 2025 | Michigan | Cash-out refinance, 25 to 49 units | $560K | 7.5% | 15 yr | 39% | HMDA 2025 |
| 2025 | Capitol Planning Region, CT | Purchase, 5 to 24 units | $400K | 7.5% | 20 yr | 44% | HMDA 2025 |
| 2025 | Lebanon County, PA | Cash-out refinance, 5 to 24 units | $300K | 7.63% | 20 yr | 56% | HMDA 2025 |
| 2025 | Sedgwick County, KS | Cash-out refinance, 5 to 24 units | $300K | 7.5% | 20 yr | 48% | HMDA 2025 |
| 2025 | Ingham County, MI | Purchase, 5 to 24 units | $260K | 6.6% | 5 yr | 67% | HMDA 2025 |
| 2025 | Michigan | Cash-out refinance, 25 to 49 units | $260K | 7.5% | 15 yr | 39% | HMDA 2025 |
| 2025 | Allegan County, MI | Purchase, 5 to 24 units | $240K | 7.25% | 5 yr | 75% | HMDA 2025 |
| 2025 | Wexford County, MI | Improvement, 25 to 49 units | $240K | 7% | 2.2 yr | 68% | HMDA 2025 |
| 2025 | Lansing-East Lansing, MI | Purchase, 5 to 24 units | $220K | 7.5% | 5 yr | 69% | HMDA 2025 |
| 2025 | Shiawassee County, MI | Purchase, 5 to 24 units | $160K | 7.25% | 5 yr | 33% | HMDA 2025 |
| 2024 | Grand Traverse County, MI | Purchase, 50 to 99 units | $6M | 7% | 5 yr | 75% | HMDA 2024 |
| 2024 | Isabella County, MI | Purchase, 100 to 149 units | $5.3M | 7.25% | 5 yr | 75% | HMDA 2024 |
| 2024 | Eaton County, MI | Purchase, 50 to 99 units | $2.5M | 7.25% | 5 yr | 72% | HMDA 2024 |
| 2024 | Grand Traverse County, MI | Purchase, 25 to 49 units | $1.7M | 7% | 5 yr | 75% | HMDA 2024 |
| 2024 | Ingham County, MI | Purchase, 25 to 49 units | $1.7M | 7.25% | 5 yr | 75% | HMDA 2024 |
| 2024 | Ingham County, MI | Cash-out refinance, 25 to 49 units | $1.5M | 7% | 5 yr | 53% | HMDA 2024 |
| 38 multifamily loans made in 2024 and 2025 | $40.9M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Michigan | State | 7 | $4.26M |
| Ingham County, MI | County | 6 | $7.46M |
| Eaton County, MI | County | 2 | $3.70M |
| Grand Traverse County, MI | County | 2 | $7.70M |
| Shiawassee County, MI | County | 2 | $1.26M |
| Allegan County, MI | County | 1 | $240K |
| Barry County, MI | County | 1 | $740K |
| Calhoun County, MI | County | 1 | $2.60M |
| Capitol Planning Region, CT | County | 1 | $400K |
| Clinton County, MI | County | 1 | $180K |
| Fresno County, CA | County | 1 | $500K |
| Grand Rapids-Wyoming-Kentwood, MI | Metro area | 1 | $780K |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 25 | $9.76M |
| $1M to $2.5M | 8 | $11.7M |
| $2.5M to $5M | 3 | $8.10M |
| $5M to $10M | 2 | $11.3M |
| $10M or more | 0 | $0 |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 19 | $25.0M | $500K |
| 2025 | 19 | $15.8M | $560K |
| Purpose | Loans |
|---|---|
| Purchase | 29 |
| Cash-out refinance | 8 |
| Improvement | 1 |
| Units | Loans |
|---|---|
| 5 to 24 units | 21 |
| 25 to 49 units | 12 |
| 50 to 99 units | 4 |
| 100 to 149 units | 1 |
- First National Bank of America made 38 multifamily loans totaling $40.9M in 2024 and 2025, in 24 named places across 8 states. HMDA,
- It made 19 of them in 2025 and 19 in 2024. HMDA,
- The typical loan was about $560K, with the middle half between $260K and $1.5M. HMDA,
- The largest was about $6M. Every amount is rounded to 2 significant figures. HMDA,
- 25 loans were under $1M, and 2 were $5M or more. HMDA,
- It reported a median rate of 7.25% on 38 loans, with the middle half between 7.00% and 7.50%. HMDA,
- The median term was 5 years. HMDA,
- The median loan to value was 67%. HMDA,
- 21% of the loans were refinancings and 76% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 21 loans. HMDA,
- HMDA shows 3 of the 38 multifamily loans First National Bank of America made with a known channel in 2024 to 2025 as coming through a third party. HMDA,
- Its loans were most often in Ingham County, MI (6), Eaton County, MI (2) and Grand Traverse County, MI (2). HMDA,
What we don't know
- Whether First National Bank of America is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
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.