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First, A National Banking Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Mobile, Alabama | 160 | $ 34,070,000 | $ 212,937 | $ 115,000 |
| Baldwin, Alabama | 139 | $ 47,465,000 | $ 341,474 | $ 202,000 |
| Lamar, Mississippi | 135 | $ 44,155,000 | $ 327,074 | $ 209,000 |
| Forrest, Mississippi | 124 | $ 27,910,000 | $ 225,080 | $ 145,000 |
| Lowndes, Georgia | 112 | $ 24,720,000 | $ 220,714 | $ 194,000 |
| Harrison, Mississippi | 111 | $ 27,305,000 | $ 245,990 | $ 168,000 |
| Tangipahoa, Louisiana | 96 | $ 18,530,000 | $ 193,020 | $ 85,000 |
| Leon, Florida | 95 | $ 22,375,000 | $ 235,526 | $ 132,000 |
| Jones, Mississippi | 75 | $ 12,435,000 | $ 165,800 | $ 101,000 |
| Rankin, Mississippi | 73 | $ 13,885,000 | $ 190,205 | $ 80,000 |
| St. Tammany, Louisiana | 68 | $ 21,430,000 | $ 315,147 | $ 186,000 |
| Colquitt, Georgia | 62 | $ 12,930,000 | $ 208,548 | $ 130,000 |
| Walton, Florida | 61 | $ 35,025,000 | $ 574,180 | $ 433,000 |
| Okaloosa, Florida | 59 | $ 28,345,000 | $ 480,423 | $ 225,000 |
| Thomas, Georgia | 58 | $ 12,690,000 | $ 218,793 | $ 182,000 |
| Escambia, Florida | 52 | $ 56,470,000 | $ 1,085,961 | $ 236,000 |
| Hancock, Mississippi | 51 | $ 10,415,000 | $ 204,215 | $ 176,000 |
| Madison, Mississippi | 50 | $ 15,260,000 | $ 305,200 | $ 131,000 |
| Orleans, Louisiana | 46 | $ 28,670,000 | $ 623,260 | $ 409,000 |
| Jefferson, Louisiana | 44 | $ 60,180,000 | $ 1,367,727 | $ 201,000 |
| Jackson, Mississippi | 42 | $ 8,370,000 | $ 199,285 | $ 157,000 |
| East Baton Rouge, Louisiana | 41 | $ 13,885,000 | $ 338,658 | $ 160,000 |
| Santa Rosa, Florida | 38 | $ 12,570,000 | $ 330,789 | $ 133,000 |
| Hinds, Mississippi | 34 | $ 6,020,000 | $ 177,058 | $ 73,000 |
| Livingston, Louisiana | 26 | $ 4,830,000 | $ 185,769 | $ 89,000 |
| Jefferson, Florida | 18 | $ 3,610,000 | $ 200,555 | $ 119,000 |
| Wakulla, Florida | 17 | $ 3,955,000 | $ 232,647 | $ 217,000 |
| Pearl River, Mississippi | 17 | $ 2,405,000 | $ 141,470 | $ 77,000 |
| Bay, Florida | 15 | $ 5,125,000 | $ 341,666 | $ 146,000 |
| Gadsden, Florida | 14 | $ 4,590,000 | $ 327,857 | $ 94,000 |
| Ascension, Louisiana | 14 | $ 3,130,000 | $ 223,571 | $ 106,000 |
| Stone, Mississippi | 13 | $ 2,325,000 | $ 178,846 | $ 85,000 |
| Washington, Alabama | 12 | $ 1,430,000 | $ 119,166 | $ 78,000 |
| Iberville, Louisiana | 12 | $ 1,530,000 | $ 127,500 | $ 86,000 |
| Tift, Georgia | 9 | $ 2,435,000 | $ 270,555 | $ 177,000 |
| West Baton Rouge, Louisiana | 8 | $ 950,000 | $ 118,750 | $ 81,000 |
| George, Mississippi | 7 | $ 1,155,000 | $ 165,000 | $ 72,000 |
| Brooks, Georgia | 6 | $ 970,000 | $ 161,666 | $ 124,000 |
| Perry, Mississippi | 6 | $ 950,000 | $ 158,333 | $ 78,000 |
| Madison, Florida | 5 | $ 835,000 | $ 167,000 | $ 79,000 |
| Cook, Georgia | 5 | $ 1,265,000 | $ 253,000 | $ 122,000 |
| Covington, Mississippi | 5 | $ 1,825,000 | $ 365,000 | $ 152,000 |
| Oktibbeha, Mississippi | 5 | $ 1,175,000 | $ 235,000 | $ 285,000 |
| Clinch, Georgia | 4 | $ 500,000 | $ 125,000 | $ 113,000 |
| Grady, Georgia | 4 | $ 1,580,000 | $ 395,000 | $ 204,000 |
| Assumption, Louisiana | 4 | $ 350,000 | $ 87,500 | $ 119,000 |
| St. Bernard, Louisiana | 4 | $ 730,000 | $ 182,500 | $ 158,000 |
| Jasper, Mississippi | 4 | $ 310,000 | $ 77,500 | $ 77,000 |
| Jefferson Davis, Mississippi | 4 | $ 580,000 | $ 145,000 | $ 67,000 |
| Houston, Alabama | 3 | $ 515,000 | $ 171,666 | $ 80,000 |
| Duval, Florida | 3 | $ 3,215,000 | $ 1,071,666 | $ 1,679,000 |
| Taylor, Florida | 3 | $ 835,000 | $ 278,333 | $ 305,000 |
| Lafayette, Louisiana | 3 | $ 845,000 | $ 281,666 | $ 90,000 |
| Washington, Louisiana | 3 | $ 845,000 | $ 281,666 | $ 120,000 |
| Lafayette, Mississippi | 3 | $ 635,000 | $ 211,666 | $ 233,000 |
| Marion, Mississippi | 3 | $ 415,000 | $ 138,333 | $ 414,000 |
| Tallapoosa, Alabama | 2 | $ 620,000 | $ 310,000 | $ 359,000 |
| Tuscaloosa, Alabama | 2 | $ 540,000 | $ 270,000 | $ 123,000 |
| Franklin, Florida | 2 | $ 740,000 | $ 370,000 | $ 68,000 |
| Gulf, Florida | 2 | $ 530,000 | $ 265,000 | $ 181,000 |
| Pinellas, Florida | 2 | $ 1,060,000 | $ 530,000 | $ 183,000 |
| Dougherty, Georgia | 2 | $ 100,000 | $ 50,000 | $ 41,000 |
| Lanier, Georgia | 2 | $ 210,000 | $ 105,000 | $ 41,000 |
| Mitchell, Georgia | 2 | $ 150,000 | $ 75,000 | $ 64,000 |
| Worth, Georgia | 2 | $ 130,000 | $ 65,000 | $ 45,000 |
| Ouachita, Louisiana | 2 | $ 200,000 | $ 100,000 | $ 152,000 |
| Clarke, Mississippi | 2 | $ 100,000 | $ 50,000 | $ 101,000 |
| Leake, Mississippi | 2 | $ 350,000 | $ 175,000 | $ 60,000 |
| Newton, Mississippi | 2 | $ 130,000 | $ 65,000 | $ 30,000 |
| Scott, Mississippi | 2 | $ 160,000 | $ 80,000 | $ 30,000 |
| Wayne, Mississippi | 2 | $ 150,000 | $ 75,000 | $ 105,000 |
| Beaufort, South Carolina | 2 | $ 430,000 | $ 215,000 | $ 363,000 |
| Barbour, Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Chilton, Alabama | 1 | $ 375,000 | $ 375,000 | $ 261,000 |
| Clarke, Alabama | 1 | $ 55,000 | $ 55,000 | $ 16,000 |
| Crenshaw, Alabama | 1 | $ 245,000 | $ 245,000 | $ 86,000 |
| Dale, Alabama | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Jefferson, Alabama | 1 | $ 235,000 | $ 235,000 | $ 740,000 |
| Limestone, Alabama | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Montgomery, Alabama | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Morgan, Alabama | 1 | $ 55,000 | $ 55,000 | $ 110,000 |
| Pike, Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Shelby, Alabama | 1 | $ 515,000 | $ 515,000 | $ 182,000 |
| Cleburne, Arkansas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Brevard, Florida | 1 | $ 165,000 | $ 165,000 | $ 104,000 |
| Broward, Florida | 1 | $ 425,000 | $ 425,000 | $ 147,000 |
| Jackson, Florida | 1 | $ 95,000 | $ 95,000 | $ 26,000 |
| Lake, Florida | 1 | $ 465,000 | $ 465,000 | $ 134,000 |
| Monroe, Florida | 1 | $ 995,000 | $ 995,000 | $ 0 |
| Orange, Florida | 1 | $ 545,000 | $ 545,000 | $ 280,000 |
| St. Johns, Florida | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Baker, Georgia | 1 | $ 75,000 | $ 75,000 | $ 34,000 |
| Bibb, Georgia | 1 | $ 3,605,000 | $ 3,605,000 | $ 0 |
| Clarke, Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Coffee, Georgia | 1 | $ 4,675,000 | $ 4,675,000 | $ 0 |
| Dodge, Georgia | 1 | $ 105,000 | $ 105,000 | $ 126,000 |
| Echols, Georgia | 1 | $ 95,000 | $ 95,000 | $ 105,000 |
| Fannin, Georgia | 1 | $ 465,000 | $ 465,000 | $ 182,000 |
| Gwinnett, Georgia | 1 | $ 105,000 | $ 105,000 | $ 87,000 |
| Houston, Georgia | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Muscogee, Georgia | 1 | $ 585,000 | $ 585,000 | $ 400,000 |
| Pickens, Georgia | 1 | $ 365,000 | $ 365,000 | $ 0 |
| White, Georgia | 1 | $ 225,000 | $ 225,000 | $ 122,000 |
| Caddo, Louisiana | 1 | $ 175,000 | $ 175,000 | $ 87,000 |
| Calcasieu, Louisiana | 1 | $ 275,000 | $ 275,000 | $ 68,000 |
| Plaquemines, Louisiana | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| Pointe Coupee, Louisiana | 1 | $ 225,000 | $ 225,000 | $ 133,000 |
| St. Charles, Louisiana | 1 | $ 595,000 | $ 595,000 | $ 122,000 |
| St. Helena, Louisiana | 1 | $ 255,000 | $ 255,000 | $ 143,000 |
| St. James, Louisiana | 1 | $ 315,000 | $ 315,000 | $ 143,000 |
| Terrebonne, Louisiana | 1 | $ 185,000 | $ 185,000 | $ 331,000 |
| Attala, Mississippi | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Copiah, Mississippi | 1 | $ 185,000 | $ 185,000 | $ 86,000 |
| Greene, Mississippi | 1 | $ 225,000 | $ 225,000 | $ 99,000 |
| Grenada, Mississippi | 1 | $ 245,000 | $ 245,000 | $ 47,000 |
| Jefferson, Mississippi | 1 | $ 205,000 | $ 205,000 | $ 41,000 |
| Lauderdale, Mississippi | 1 | $ 825,000 | $ 825,000 | $ 315,000 |
| Lawrence, Mississippi | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Pike, Mississippi | 1 | $ 85,000 | $ 85,000 | $ 22,000 |
| Smith, Mississippi | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Warren, Mississippi | 1 | $ 395,000 | $ 395,000 | $ 158,000 |
| Washington, Mississippi | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Wilkinson, Mississippi | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Flathead, Montana | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Queens, New York | 1 | $ 475,000 | $ 475,000 | $ 47,000 |
| Horry, South Carolina | 1 | $ 265,000 | $ 265,000 | $ 53,000 |
| Shelby, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 211,000 |
| Dallas, Texas | 1 | $ 765,000 | $ 765,000 | $ 295,000 |
| Teton, Wyoming | 1 | $ 5,225,000 | $ 5,225,000 | $ 0 |
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.
For a list of all lenders in Mississippi, download the full spreadsheet
with aggregated HMDA statistics today.
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