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Public institution profile · Bank · Not a recommendation

Bank of America, National Association

BankCharlotte, NCActive

FDIC certificate 3510

Data observedAugust 3, 2026Section records may have different source dates.

Identifiers, verification, and corrections

Stable identifiers

Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.

FDIC certificate
3510
company ID
Not published — no verified match
More identifiers
Federal Reserve
480228
OCC charter number
13044
Not published — no verified match

Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Profile notes

This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.

Data correction

Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.

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At a glance

Institution type
Bank
Status
Active
Headquarters
Charlotte, NC
HMDA activity
Published activity year 2025
Listed branch locations
3,612
Complaint records
CFPB search status is not currently available.
CRA examinations
No published CRA result found
Institution history
117 published events

What USMI publishes

Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.

Institution type
Bank
Status
Active
Headquarters
Charlotte, NC
activity
Published activity year 2025
Listed branch locations
3,612
Complaint records
CFPB search status is not currently available.
CRA examinations
No published CRA result found
Institution history
117 published events

What this profile is not

  • Not a lender recommendation or ranking.
  • Not a mortgage rate sheet or quote.
  • Not an underwriting, approval, or eligibility decision.
  • Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
  • Not a complaint-resolution channel.
  • Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.

HMDA

Mortgage activity

Reported records for the selected year. These figures are not a lender score.

245,091reported records

88,530reported originations

2025 reported mortgage activity. Source: HMDA.

HMDA2025The year selector below shows each published activity year.

Ask about this activity

activity

Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.

Geographynationwide

HMDA source observed2026-08-09

HMDA records

245,091

2025

Loan originations

88,530

2025

Denials

72,920

2025

Withdrawals

18,891

2025

Denial rate among decisioned applications

44.7%

2025

Annual history

Scroll sideways to review every HMDA column.

Annual HMDA activity history
YearHMDA recordsOriginationsApproved but not acceptedDenialsWithdrawalsDenial rate
2025245,09188,5301,66172,92018,89144.7%
2024233,63783,1654,18080,92013,63948.1%
2023271,97491,8464,801125,15314,18956.4%
2022348,961121,4866,472144,29127,67853.0%
2021368,728172,27010,266110,30134,54437.7%
2020373,621184,11814,875115,30131,29136.7%
2019466,552214,60113,470156,16936,27040.6%
2018462,401192,77911,839172,85029,56645.8%

Detailed activity

Loan type and purpose

Loan type and purpose breakdown for 2025
CategoryHMDA records
Conventional239,859
FHA5,054
VA175
RHS / FSA3
Home purchase66,710
Home improvement83,744
Refinancing38,791
Cash-out refinancing4,126

State reporting

52 states / territories reported

How to read these figures

HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.

CFPB

CFPB consumer submissions

Complaints are consumer submissions and are not findings of wrongdoing.

CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.

Ask about these complaints

CFPB Mortgage Complaint Activity

Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.

Total CFPB mortgage complaint records

37,064

Coverage start

December 1, 2012

Data through

August 20, 2026

Annual activity

CFPB mortgage complaint records by year
YearComplaint records
2012812
201312,404
20145,819
20154,584
20163,988
20172,347
20181,359
2019890
20201,181
2021971
2022777
2023527
2024500
2025534
2026371

Leading issues

  1. Loan modification,collection,foreclosure

    None

    17,593

  2. Loan servicing, payments, escrow account

    None

    6,950

  3. Trouble during payment process

    None

    2,944

  4. Struggling to pay mortgage

    None

    2,010

  5. Application, originator, mortgage broker

    None

    1,910

View all issues (59)
  1. Applying for a mortgage or refinancing an existing mortgage

    None

    1,059

  2. Settlement process and costs

    None

    1,032

  3. Credit decision / Underwriting

    None

    647

  4. Closing on a mortgage

    None

    633

  5. Other

    None

    479

  6. Struggling to pay mortgage

    Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

    175

  7. Trouble during payment process

    Trying to communicate with the company to fix an issue while managing or servicing your loan

    166

  8. Struggling to pay mortgage

    Foreclosure

    159

  9. Trouble during payment process

    Escrow, taxes, or insurance

    131

  10. Trouble during payment process

    Payment process

    124

  11. Incorrect information on your report

    Account status incorrect

    101

  12. Applying for a mortgage or refinancing an existing mortgage

    Application denials

    98

  13. Struggling to pay mortgage

    Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

    72

  14. Applying for a mortgage or refinancing an existing mortgage

    Trying to communicate with the company to fix an issue with the application process

    59

  15. Closing on a mortgage

    Trying to communicate with the company to fix an issue with the loan closing

    52

  16. Incorrect information on your report

    Account information incorrect

    48

  17. Applying for a mortgage or refinancing an existing mortgage

    Delays in the application process

    46

  18. Trouble during payment process

    Loan sold or transferred to another company

    43

  19. Trouble during payment process

    Fees charged

    42

  20. Trouble during payment process

    Paying off the loan

    37

  21. Struggling to pay mortgage

    An existing modification, forbearance plan, short sale, or other loss mitigation relief

    34

  22. Closing on a mortgage

    Delays with the closing process

    31

  23. Closing on a mortgage

    Closing disclosure or other related disclosures

    30

  24. Trouble during payment process

    Lien release

    30

  25. Closing on a mortgage

    Changes in loan terms during or after closing

    29

  26. Applying for a mortgage or refinancing an existing mortgage

    Changes in loan terms during the application process

    28

  27. Problem with a credit reporting company's investigation into an existing problem

    Investigation took more than 30 days

    27

  28. Incorrect information on your report

    Information belongs to someone else

    26

  29. Applying for a mortgage or refinancing an existing mortgage

    Confusing or misleading advertising or marketing

    23

  30. Incorrect information on your report

    Information is missing that should be on the report

    21

  31. Incorrect information on your report

    Public record information inaccurate

    21

  32. Trouble during payment process

    Interest rate

    21

  33. Closing on a mortgage

    Fees or costs after closing

    14

  34. Improper use of your report

    Reporting company used your report improperly

    14

  35. Problem with a company's investigation into an existing problem

    Their investigation did not fix an error on your report

    13

  36. Applying for a mortgage or refinancing an existing mortgage

    Loan estimate or other related disclosures

    11

  37. Trouble during payment process

    Private mortgage insurance (PMI)

    11

  38. Incorrect information on your report

    Old information reappears or never goes away

    10

  39. Applying for a mortgage or refinancing an existing mortgage

    Negative impact of inaccurate appraisal

    9

  40. Problem with fraud alerts or security freezes

    None

    9

  41. Applying for a mortgage or refinancing an existing mortgage

    Fees or costs during the application process

    7

  42. Improper use of your report

    Credit inquiries on your report that you don't recognize

    5

  43. Unable to get your credit report or credit score

    Other problem getting your report or credit score

    5

  44. Problem with a company's investigation into an existing problem

    Problem with personal statement of dispute

    4

  45. Problem with a credit reporting company's investigation into an existing problem

    Their investigation did not fix an error on your report

    4

  46. Closing on a mortgage

    Setting up an escrow account for taxes and insurance

    3

  47. Problem with a company's investigation into an existing problem

    Difficulty submitting a dispute or getting information about a dispute over the phone

    3

  48. Problem with a company's investigation into an existing problem

    Was not notified of investigation status or results

    3

  49. Problem with a credit reporting company's investigation into an existing problem

    Difficulty submitting a dispute or getting information about a dispute over the phone

    2

  50. Problem with a credit reporting company's investigation into an existing problem

    Problem with personal statement of dispute

    2

  51. Credit monitoring or identity theft protection services

    Problem canceling credit monitoring or identify theft protection service

    1

  52. Improper use of your report

    Received unsolicited financial product or insurance offers after opting out

    1

  53. Incorrect information on your report

    Personal information incorrect

    1

  54. Problem with credit report or credit score

    Incorrect information on your report

    1

States

  1. California

    7,060

  2. Florida

    4,418

  3. Georgia

    2,109

  4. New York

    2,048

  5. Texas

    1,782

View all states (60)
  1. New Jersey

    1,650

  2. Maryland

    1,373

  3. North Carolina

    1,255

  4. Illinois

    1,190

  5. Virginia

    1,148

  6. Michigan

    1,013

  7. Pennsylvania

    991

  8. Arizona

    899

  9. Washington

    836

  10. Massachusetts

    796

  11. Ohio

    675

  12. Nevada

    549

  13. Colorado

    543

  14. Connecticut

    522

  15. Tennessee

    494

  16. Missouri

    489

  17. Oregon

    433

  18. None

    425

  19. South Carolina

    384

  20. Minnesota

    335

  21. Wisconsin

    313

  22. New Hampshire

    244

  23. Indiana

    238

  24. Alabama

    232

  25. Louisiana

    223

  26. District of Columbia

    203

  27. Utah

    199

  28. Hawaii

    189

  29. Delaware

    177

  30. Kentucky

    175

  31. Oklahoma

    155

  32. Kansas

    150

  33. Arkansas

    145

  34. New Mexico

    143

  35. Maine

    136

  36. Mississippi

    126

  37. Idaho

    98

  38. Rhode Island

    92

  39. Iowa

    80

  40. Montana

    51

  41. Vermont

    50

  42. Nebraska

    49

  43. Alaska

    46

  44. West Virginia

    37

  45. Wyoming

    27

  46. South Dakota

    15

  47. North Dakota

    13

  48. AE

    12

  49. AP

    11

  50. Puerto Rico

    8

  51. Guam

    3

  52. Federated States of Micronesia

    2

  53. Northern Mariana Islands

    2

  54. U.S. Virgin Islands

    2

  55. MH

    1

Company response

  1. Closed with explanation

    29,577

  2. Closed with non-monetary relief

    5,155

  3. Closed with monetary relief

    1,702

  4. Closed

    594

  5. In progress

    35

  6. Untimely response

    1

Timely response

Timely-response figures are a count distribution as reported to CFPB, not a score.

  1. Yes

    36,912

  2. No

    152

How to read these figures

Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing. CFPB complaint records are submissions received by the Consumer Financial Protection Bureau. Complaint volume does not establish misconduct or wrongdoing. Counts can be influenced by company size, mortgage servicing volume, time in operation, consumer awareness and reporting, and corporate reporting structure. U.S. Mortgage Index does not treat complaint allegations as independently verified facts.

Regulatory records

Regulatory & institutional records

Only records that apply to this institution are shown. Identifiers stay as published.

FFIEC NICAugust 19, 2026Observed date for the NIC institution record.

Ask about this regulatory record

Institution identity

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name
Bank of America, National Association
Display name
Bank of America, National Association
Institution status
Active
FDIC insured
Yes
FDIC insured since
January 1, 1934
Established date
October 17, 1904
Charter class
National bank, member of the Federal Reserve System (FRS)
Primary federal regulator
Office of the Comptroller of the Currency
Headquarters
Charlotte, NC, 28202, United States
FDIC certificate number
3510
Federal Reserve
480228
OCC charter number
13044
Domestic location count
3,610
Source observed
August 3, 2026

Regulatory information

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status
ACTIVE
Primary federal regulator
OCC
Institution type
National Bank
Primary activity
NAICS 52211
FDIC certificate
3510
Federal Reserve
480228
B4TYDEB6GKMZO031MB27
Headquarters
100 North Tryon Street, Suite 170, Charlotte, NC, 28202, United States
Primary deposit insurer
Deposit Insurance Fund (DIF)
Source observed
August 19, 2026

Community Reinvestment Act (CRA)

No published CRA result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

Formal hierarchy

FFIEC NIC hierarchy rows

1,018

Showing 1 through 25 of 1,018 relationship records

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type
FDIC-insured national bank

Locations

Branch and office locations

Start with the published count and primary location. Search stays paged so the first view stays readable.

FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.

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Branch locations

Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.

Branch network

Listed locations

3,612

Showing 1,001 through 1,050 of 3,612 listed locations

Scroll sideways to see every branch column.

Showing 1,001 through 1,050 of 3,612 FFIEC NIC branch locations
BranchAddressCityStatePostal code
CORAL GABLES OFFICE2308 Ponce DE Leon BlvdCoral GablesFL33134
DOUGLAS CENTRE BRANCH2600 S Douglas RD Ste 100Coral GablesFL33134
LAKEVIEW BRANCH1470 Coral Ridge DRCoral SpringsFL33071
NORTH CORAL SPRINGS BRANCH3200 North University DriveCoral SpringsFL33065
PARKLAND ISLES BRANCH6101 Coral Ridge DriveCoral SpringsFL33076
WILES ROAD BRANCH9140 Wiles RoadCoral SpringsFL33067
CRYSTAL RIVER OFFICE450 Southeast Highway 19Crystal RiverFL34429
WEST STIRLING ROAD BRANCH6300 Stirling RoadDavieFL33314
INTERNATIONAL SPEEDWAY BLVD BRANCH1025 W International Speedway BlvdDaytona BeachFL32114
DEERFIELD BEACH BRANCH1000 South Federal HighwayDeerfield BeachFL33441
HILLSBORO BOULEVARD BRANCH1701 West Hillsboro BlvdDeerfield BeachFL33442
DELAND BRANCH230 North Woodland BoulevardDelandFL32720
CENTRAL DELRAY BRANCH4650 West Atlantic AvenueDelray BeachFL33445
ORIOLE BRANCH7215 West Atlantic AvenueDelray BeachFL33446
SOUTH DELRAY BRANCH551 Southeast 8th StreetDelray BeachFL33483
ELKCAM BRANCH2745 Elkcam BlvdDeltonaFL32738
DESTIN OFFICE1014 East Highway 98DestinFL32541
DORAL CENTER BRANCH7250 NW 107th AvenueDoralFL33178
DORAL PLAZA BRANCH9705 NW 41st STDoralFL33178
DUNEDIN BRANCH1080 Keene RDDunedinFL34698
DUNNELLON BRANCH11682 North Williams STDunnellonFL34432
RIDGEWOOD OFFICE7008 Highway 301 NorthEllentonFL34222
MERCHANTS CROSSING OFFICE1785 S Mccall RoadEnglewoodFL34223
MIROMAR OUTLET BRANCH10840 Miromar Outlet DriveEsteroFL33928-9440
EIGHTH STREET BRANCH1822 South 8th STFernandina BeachFL32034
PWM AMELIA ISLAND BRANCH80 Amelia Village Circle, Suite 92Fernandina BeachFL32034
BROWARD & 441 BRANCH3800 West Broward BoulevardFort LauderdaleFL33312
CYPRESS CREEK OFFICE888 Northwest 62 StreetFort LauderdaleFL33309
EAST OAKLAND PARK BRANCH1601 East Oakland Park BlvdFort LauderdaleFL33334
EAST SUNRISE BOULEVARD BRANCH1745 East Sunrise BoulevardFort LauderdaleFL33304
GALLERIA BRANCH2300 East Sunrise BoulevardFort LauderdaleFL33304
LAS OLAS BRANCH401 E Las Olas Blvd Ste 110Fort LauderdaleFL33301
NORTH FORT LAUDERDALE BRANCH4901 North Federal HighwayFort LauderdaleFL33308
PORT EVERGLADES BRANCH941 SE 17th STFort LauderdaleFL33316
RIVERLAND OFFICE3030 Davie BoulevardFort LauderdaleFL33312
SISTRUNK BRANCH570 NW 7th AvenueFort LauderdaleFL33311
WEST COMMERCIAL BRANCH3833 West Commercial BlvdFort LauderdaleFL33309
BELL TOWER BRANCH13099 U S Highway 41 SoutheastFort MyersFL33907
DANIELS CROSSING BRANCH13650 Six Mile Cypress ParkwayFort MyersFL33912
EAST OFFICE BRANCH4301 Palm Beach BoulevardFort MyersFL33905
KELLY ROAD BRANCH16020 San Carlos BoulevardFort MyersFL33908
SIX MILE CYPRESS BRANCH8081 Dani DriveFort MyersFL33966
SUMMERLIN BRANCH1511 Matthew DriveFort MyersFL33907
SABAL PALM BRANCH2421 South US 1Fort PierceFL34982
FORT WALTON BEACH OFFICE189 Eglin Parkway NortheastFort Walton BeachFL32548
13TH STREET BRANCH2815 NW 13th Street, Suite 100GainesvilleFL32609
BUTLER PLAZA BRANCH3900 SW Archer RoadGainesvilleFL32608
MILLHOPPER OFFICE2627 Northwest 43rd StreetGainesvilleFL32606
NEWBERRY SQUARE BRANCH7606 W Newberry RoadGainesvilleFL32606
UNIVERSITY AVENUE BRANCH1116 West University AvenueGainesvilleFL32601

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

History

Institution history

Events are listed by date. The source event type is kept with the record.

HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.

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Institution history

History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.

Institutional history

FFIEC NIC history events

117

Showing 1 through 25 of 117 history events

FFIEC NIC institutional history events
Event dateEvent typeRelated institution
March 31, 2020Charter Discontinued (Merger or Purchase & Assumption)—
October 1, 2014Charter Discontinued (Merger or Purchase & Assumption)FIA CARD SERVICES, NATIONAL ASSOCIATION
April 1, 2013Charter Discontinued (Merger or Purchase & Assumption)BANK OF AMERICA RHODE ISLAND, NATIONAL ASSOCIATION
April 1, 2013Charter Discontinued (Merger or Purchase & Assumption)BANK OF AMERICA OREGON, NATIONAL ASSOCIATION
July 1, 2011Charter Discontinued (Merger or Purchase & Assumption)BAC HOME LOANS SERVICING, LP
July 1, 2011Charter Discontinued (Merger or Purchase & Assumption)MERRILL LYNCH CREDIT CORPORATION
October 1, 2010Charter Discontinued (Merger or Purchase & Assumption)MERRILL LYNCH COMMERCIAL FINANCE CORP.
November 2, 2009Charter Discontinued (Merger or Purchase & Assumption)—
July 1, 2009Charter Discontinued (Merger or Purchase & Assumption)MERRILL LYNCH BANK USA
April 27, 2009Charter Discontinued (Merger or Purchase & Assumption)—
October 17, 2008Charter Discontinued (Merger or Purchase & Assumption)—
October 17, 2008Charter Discontinued (Merger or Purchase & Assumption)—
June 30, 2008Charter Discontinued (Merger or Purchase & Assumption)BANK OF AMERICA GEORGIA, NATIONAL ASSOCIATION
May 30, 2008Charter Discontinued (Merger or Purchase & Assumption)USTRUST TECHNOLOGY AND SUPPORT SERVICES, INC.
February 22, 2008Charter Discontinued (Merger or Purchase & Assumption)—
September 22, 2006Charter Discontinued (Merger or Purchase & Assumption)—
June 13, 2005Charter Discontinued (Merger or Purchase & Assumption)—
June 30, 2004Charter Discontinued (Merger or Purchase & Assumption)BANK OF AMERICA TECHNOLOGY AND OPERATIONS, INC.
December 31, 2003Charter Discontinued (Merger or Purchase & Assumption)WINNEBAGO ACCEPTANCE CORPORATION
December 31, 2003Charter Discontinued (Merger or Purchase & Assumption)SEA RAY CREDIT CORPORATION
December 31, 2003Charter Discontinued (Merger or Purchase & Assumption)BANC OF AMERICA SPECIALITY FINANCE, INC.
December 31, 2003Charter Discontinued (Merger or Purchase & Assumption)FLEETWOOD CREDIT CORP.
April 15, 2003Charter Discontinued (Merger or Purchase & Assumption)BA MORTGAGE, LLC
May 31, 2001Charter Discontinued (Merger or Purchase & Assumption)NATIONSBANK TRUST COMPANY OF NEW YORK
December 2, 1999Charter Discontinued (Merger or Purchase & Assumption)—

These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

SourcesEach source keeps its own observed date. Dates are not combined into one profile date.

Ask about these sources

Sources & methodology

Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.

CFPB Consumer Complaint Database search

Consumer Financial Protection Bureau

Source reviewed2026-08-03

Limitation

Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.

Methodology

HMDA modified LAR

Consumer Financial Protection Bureau

Source reviewed2026-08-03

Limitation

HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.

Methodology

Cite this profile

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