First National Bank of America Bank Statement Program

First National Bank of America bank statement wholesale program for brokers: channel-typical FICO, LTV and loan size, each field source-linked and dated.

First National Bank of America Bank Statement wholesale program

First National Bank of America (East Lansing, MI) advertises Bank Statement lending to mortgage brokers, ranked #19 by reported wholesale volume. Last checked 2026-07-26.

Field-level sources and last-checked dates

• Program offered to brokers: First National Bank of America advertises Bank Statement lending on its public broker materials — source: First National Bank of America official website, checked 2026-07-26 (lender published, confidence high)
• Published production volume: $1.01B in 2024 wholesale production (73% of total) — source: Scotsman Guide Top Wholesale Lenders (2025 edition, 2024 production), checked 2026-07-26 (annual ranking, confidence high)
• Headquarters: East Lansing, MI — source: First National Bank of America official website, checked 2026-07-26 (lender published, confidence high)
• Broker footprint: Publishes a national broker footprint — source: First National Bank of America official website, checked 2026-07-26 (lender published, confidence medium)
• Typical minimum FICO: 620 — source: Bank Statement channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)
• Typical maximum LTV: 90% — source: Bank Statement channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)
• Typical loan size range: $100K – $3.50M — source: Bank Statement channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)
• Typical maximum DTI: 50% — source: Bank Statement channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)
• Documentation types: Bank statement — source: Bank Statement channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)
• Borrower profiles: Self-employed — source: Bank Statement channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)
• Occupancy: Primary residence, Second home, Investment property — source: Bank Statement channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)
• Property types: Single family, Warrantable condo, 2-4 unit — source: Bank Statement channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)
• How the product is structured: Income derived from 12 or 24 months of personal or business deposits with an expense factor applied instead of tax returns. — source: Bank Statement channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)

Loan parameters shown in search are category-level structural guidance describing how this product type is commonly written in the wholesale channel. They are not the lender's published guidelines and are not a pre-approval. Every result links to the lender's own public broker materials with the date we last checked it — confirm current terms with the lender before quoting.

What we can verify about this program

First National Bank of America is headquartered in East Lansing, MI and publishes a publishes a national broker footprint broker footprint. Its public broker materials referenced bank statement lending when we last checked them on 2026-07-26, alongside 6 other advertised product types in this directory. First National Bank of America also has $1.01B in wholesale production reported for 2024, placing it #19 in the ranking we reference.

Income derived from 12 or 24 months of personal or business deposits with an expense factor applied instead of tax returns. In the wholesale channel this product type is commonly written from a 620 minimum FICO up to 90% LTV, on loan amounts between $100K and $3.50M, with DTI capped near 50%. Accepted documentation typically includes bank statement, with primary residence, second home, investment property occupancy and single family, warrantable condo, 2-4 unit property types in scope. Those parameters describe the channel, not First National Bank of America's own matrix — pull the current guideline from the lender before you quote.

First National Bank of America's own positioning notes are: Bank portfolio non-QM; Credit-event borrowers. Those are lender-published claims, checked 2026-07-26. What matters on a bank statement submission is the current rate sheet, the overlay set, and the AE assigned to your shop — all three come from First National Bank of America directly, and none of them are published here.

First National Bank of America bank statement questions brokers ask

Does First National Bank of America offer bank statement loans to mortgage brokers?

Yes. First National Bank of America's public broker materials referenced bank statement lending when we last checked on 2026-07-26. Broker approval and program eligibility are decided by First National Bank of America, not by this directory — start at its first national bank of america official website and confirm current requirements.

What FICO and LTV should I expect on a bank statement file at First National Bank of America?

First National Bank of America does not publish its bank statement matrix on a public page, so this profile shows the channel-typical structure instead: a 620 minimum score and leverage up to 90% LTV, with DTI to roughly 50%. Treat that as a starting point and verify the live guideline with your account executive.

What loan amounts and documentation types apply to bank statement lending?

In the wholesale channel this product is generally written between $100K and $3.50M, using bank statement documentation on primary residence, second home, investment property occupancy. First National Bank of America may sit tighter or looser than that range on any single field.

How large is First National Bank of America in the wholesale channel?

Scotsman Guide Top Wholesale Lenders reported $1.01B for 2024 and placed First National Bank of America at #19. That figure is published by Scotsman Guide; LoanOfficer.ai reproduces it with attribution and does not calculate it.

Other programs First National Bank of America advertises

• First National Bank of America non-qm program
• First National Bank of America dscr program
• First National Bank of America itin program
• First National Bank of America portfolio program
• First National Bank of America commercial program
• First National Bank of America mixed use program

Other lenders with bank statement programs

• United Wholesale Mortgage bank statement program
• Kind Lending, LLC bank statement program
• OCMBC, Inc bank statement program
• Acra Lending bank statement program
• A&D Mortgage, LLC bank statement program
• Orion Lending bank statement program
• theLender bank statement program
• Change Lending bank statement program

First National Bank of America lender profile · All Bank Statement wholesale lenders · Program search · Wholesale lender rankings