First National Bank of America DSCR Program

First National Bank of America dscr wholesale program for brokers: channel-typical FICO, LTV, loan size and doc types, every field source-linked and dated.

First National Bank of America DSCR wholesale program

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

Field-level sources and last-checked dates

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 dscr 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.

Qualification from the subject property's rent-to-payment ratio instead of borrower income, typically allowing LLC vesting and prepay buydown options. In the wholesale channel this product type is commonly written from a 620 minimum FICO up to 80% LTV, on loan amounts between $75K and $3M. Accepted documentation typically includes dscr / cash flow, no ratio, with investment property occupancy and single family, warrantable condo, 2-4 unit, 5+ unit / multifamily 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 dscr 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 dscr questions brokers ask

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

Yes. First National Bank of America's public broker materials referenced dscr 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 dscr file at First National Bank of America?

First National Bank of America does not publish its dscr matrix on a public page, so this profile shows the channel-typical structure instead: a 620 minimum score and leverage up to 80% LTV. Treat that as a starting point and verify the live guideline with your account executive.

What loan amounts and documentation types apply to dscr lending?

In the wholesale channel this product is generally written between $75K and $3M, using dscr / cash flow, no ratio documentation on 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

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