The First, A National Banking Association Mortgage Lending & HMDA Data, 2021
In 2021, The First, A National Banking Association of Hattiesburg, MS reported 2,174 mortgage applications totaling $684.4 million, down 17% from 2020. The average application was for $314,825, and applicants reported an average income of $166,081. 78% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Hattiesburg, MS (270), Gulfport-Biloxi-Pascagoula, MS (217) and Mobile, AL (172) (applications in parentheses).
| Mortgage Company & Address | The First, A National Banking Association P.O. Box 15549 Hattiesburg, MS 39404 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,174 |
| Total Mortgage Loan Application Amount | $684,430,000 |
| Average Mortgage Loan Application Amount | $314,825 |
| Highest Mortgage Loan Application Amount | $38,005,000 |
| Average Applicant Income | $166,081 |
| Highest Applicant Income | $5,530,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The First, A National Banking Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for The First, A National Banking Association in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,095 | $414,155,000 | $378,000 | $38,005,000 | $173,000 | $5,530,000 |
| Refinancing | 733 | $193,375,000 | $263,000 | $4,675,000 | $175,000 | $2,926,000 |
| Cash-out Refinancing | 285 | $62,245,000 | $218,000 | $545,000 | $105,000 | $600,000 |
| Other Purpose | 38 | $10,220,000 | $268,000 | $1,505,000 | $245,000 | $3,290,000 |
| Home Improvement | 23 | $4,435,000 | $192,000 | $855,000 | $179,000 | $406,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,539 | $424,935,000 | $276,000 | $3,135,000 | $168,000 | $5,530,000 |
| Not applicable | 308 | $173,320,000 | $562,000 | $38,005,000 | $0 | $0 |
| Black or African American | 134 | $22,080,000 | $164,000 | $1,075,000 | $86,000 | $478,000 |
| Not Provided | 113 | $42,245,000 | $373,000 | $3,145,000 | $221,000 | $3,290,000 |
| Hispanic | 39 | $11,585,000 | $297,000 | $1,765,000 | $179,000 | $2,189,000 |
| Asian | 33 | $8,785,000 | $266,000 | $805,000 | $164,000 | $711,000 |
| American Indian or Alaskan Native | 5 | $645,000 | $129,000 | $285,000 | $58,000 | $86,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,927 | $634,895,000 | $329,000 | $38,005,000 | $179,000 | $5,530,000 |
| FHA-insured (Federal Housing Administration) | 114 | $21,310,000 | $186,000 | $345,000 | $70,000 | $313,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 86 | $14,690,000 | $170,000 | $345,000 | $53,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 47 | $13,535,000 | $287,000 | $595,000 | $105,000 | $329,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,690 | $551,150,000 | $326,000 | $38,005,000 | $178,000 | $5,530,000 |
| Application Withdrawn By Applicant | 294 | $91,730,000 | $312,000 | $3,145,000 | $148,000 | $1,104,000 |
| Application Denied By Financial Institution | 165 | $34,155,000 | $207,000 | $695,000 | $84,000 | $600,000 |
| File Closed For Incompleteness | 18 | $4,660,000 | $258,000 | $485,000 | $111,000 | $297,000 |
| Application Approved But Not Accepted | 7 | $2,735,000 | $390,000 | $1,025,000 | $430,000 | $1,500,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,009 | $650,275,000 | $323,000 | $38,005,000 | $173,000 | $5,530,000 |
| Debt-To-Income Ratio | 59 | $14,845,000 | $251,000 | $695,000 | $72,000 | $190,000 |
| Credit History | 37 | $5,945,000 | $160,000 | $545,000 | $83,000 | $384,000 |
| Collateral | 27 | $5,725,000 | $212,000 | $575,000 | $103,000 | $600,000 |
| Other | 15 | $2,355,000 | $157,000 | $365,000 | $72,000 | $211,000 |
| Unverifiable Information | 14 | $2,770,000 | $197,000 | $365,000 | $94,000 | $417,000 |
| Employment History | 8 | $1,520,000 | $190,000 | $255,000 | $119,000 | $517,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $995,000 | $199,000 | $325,000 | $71,000 | $110,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First, A National Banking Association's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess The First, A National Banking Association's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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