The First, A National Banking Association Mortgage Lending & HMDA Data, 2006
In 2006, The First, A National Banking Association of Hattiesburg, MS reported 1,124 mortgage applications totaling $134.2 million, up 31% from 2005. The average application was for $119,369, and applicants reported an average income of $70,780. 73% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Hattiesburg, MS (583), Pascagoula, MS (112) and Gulfport-Biloxi, MS (97) (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 | 1,124 |
| Total Mortgage Loan Application Amount | $134,171,000 |
| Average Mortgage Loan Application Amount | $119,369 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $70,780 |
| Highest Applicant Income | $3,075,000 |
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First, A National Banking Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lamar, Mississippi | 355 | $ 45,490,000 | $ 128,140 | $ 65,000 |
| Forrest, Mississippi | 214 | $ 22,923,000 | $ 107,116 | $ 68,000 |
| Jackson, Mississippi | 108 | $ 11,336,000 | $ 104,962 | $ 67,000 |
| Pearl River, Mississippi | 107 | $ 12,702,000 | $ 118,710 | $ 60,000 |
| Jones, Mississippi | 106 | $ 10,703,000 | $ 100,971 | $ 65,000 |
| Hancock, Mississippi | 44 | $ 5,995,000 | $ 136,250 | $ 58,000 |
| Stone, Mississippi | 38 | $ 1,763,000 | $ 46,394 | $ 38,000 |
| Marion, Mississippi | 18 | $ 1,544,000 | $ 85,777 | $ 54,000 |
| Harrison, Mississippi | 15 | $ 2,042,000 | $ 136,133 | $ 259,000 |
| Perry, Mississippi | 14 | $ 994,000 | $ 71,000 | $ 37,000 |
| Covington, Mississippi | 13 | $ 849,000 | $ 65,307 | $ 80,000 |
| Mobile, Alabama | 10 | $ 2,113,000 | $ 211,300 | $ 144,000 |
| Jasper, Mississippi | 6 | $ 612,000 | $ 102,000 | $ 56,000 |
| Smith, Mississippi | 5 | $ 594,000 | $ 118,800 | $ 83,000 |
| Baldwin, Alabama | 4 | $ 1,343,000 | $ 335,750 | $ 230,000 |
| Clarke, Mississippi | 4 | $ 410,000 | $ 102,500 | $ 112,000 |
| George, Mississippi | 4 | $ 382,000 | $ 95,500 | $ 46,000 |
| Jefferson Davis, Mississippi | 4 | $ 203,000 | $ 50,750 | $ 47,000 |
| Lafayette, Mississippi | 4 | $ 688,000 | $ 172,000 | $ 391,000 |
| Jefferson, Louisiana | 3 | $ 641,000 | $ 213,666 | $ 178,000 |
| Orleans, Louisiana | 3 | $ 847,000 | $ 282,333 | $ 50,000 |
| St. Tammany, Louisiana | 3 | $ 263,000 | $ 87,666 | $ 65,000 |
| Greene, Mississippi | 3 | $ 300,000 | $ 100,000 | $ 59,000 |
| Lauderdale, Mississippi | 3 | $ 329,000 | $ 109,666 | $ 57,000 |
| Rankin, Mississippi | 3 | $ 356,000 | $ 118,666 | $ 95,000 |
| Okaloosa, Florida | 2 | $ 2,039,000 | $ 1,019,500 | $ 0 |
| Lee, Mississippi | 2 | $ 116,000 | $ 58,000 | $ 94,000 |
| Madison, Mississippi | 2 | $ 515,000 | $ 257,500 | $ 114,000 |
| Newton, Mississippi | 2 | $ 374,000 | $ 187,000 | $ 68,000 |
| Oktibbeha, Mississippi | 2 | $ 535,000 | $ 267,500 | $ 266,000 |
| Scott, Mississippi | 2 | $ 17,000 | $ 8,500 | $ 26,000 |
| Wayne, Mississippi | 2 | $ 237,000 | $ 118,500 | $ 58,000 |
| Harris, Texas | 2 | $ 154,000 | $ 77,000 | $ 444,000 |
| Jefferson, Alabama | 1 | $ 169,000 | $ 169,000 | $ 156,000 |
| Shelby, Alabama | 1 | $ 88,000 | $ 88,000 | $ 30,000 |
| Escambia, Florida | 1 | $ 302,000 | $ 302,000 | $ 462,000 |
| Flagler, Florida | 1 | $ 29,000 | $ 29,000 | $ 100,000 |
| Walton, Florida | 1 | $ 246,000 | $ 246,000 | $ 0 |
| Cherokee, Georgia | 1 | $ 2,400,000 | $ 2,400,000 | $ 0 |
| Glynn, Georgia | 1 | $ 10,000 | $ 10,000 | $ 75,000 |
| Ascension, Louisiana | 1 | $ 150,000 | $ 150,000 | $ 54,000 |
| Tangipahoa, Louisiana | 1 | $ 84,000 | $ 84,000 | $ 24,000 |
| Adams, Mississippi | 1 | $ 99,000 | $ 99,000 | $ 44,000 |
| Coahoma, Mississippi | 1 | $ 137,000 | $ 137,000 | $ 252,000 |
| Lawrence, Mississippi | 1 | $ 139,000 | $ 139,000 | $ 50,000 |
| Noxubee, Mississippi | 1 | $ 475,000 | $ 475,000 | $ 518,000 |
| Warren, Mississippi | 1 | $ 80,000 | $ 80,000 | $ 41,000 |
| Panola, Texas | 1 | $ 48,000 | $ 48,000 | $ 25,000 |
| Parker, Texas | 1 | $ 31,000 | $ 31,000 | $ 0 |
Mortgage Loan Application Detail Totals for The First, A National Banking Association in 2006
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 | 565 | $71,811,000 | $127,000 | $2,400,000 | $75,000 | $3,075,000 |
| Refinancing | 476 | $60,170,000 | $126,000 | $663,000 | $68,000 | $1,085,000 |
| Home Improvement | 83 | $2,190,000 | $26,000 | $259,000 | $58,000 | $400,000 |
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 | 978 | $115,619,000 | $118,000 | $670,000 | $76,000 | $3,075,000 |
| Black or African American | 65 | $5,045,000 | $77,000 | $300,000 | $42,000 | $120,000 |
| Not applicable | 44 | $9,301,000 | $211,000 | $2,400,000 | $0 | $0 |
| Not Provided | 12 | $1,504,000 | $125,000 | $340,000 | $78,000 | $300,000 |
| Asian | 11 | $1,200,000 | $109,000 | $170,000 | $64,000 | $150,000 |
| Hispanic | 10 | $1,010,000 | $101,000 | $263,000 | $67,000 | $162,000 |
| American Indian or Alaskan Native | 4 | $492,000 | $123,000 | $160,000 | $57,000 | $97,000 |
| 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) | 1,088 | $130,267,000 | $119,000 | $2,400,000 | $71,000 | $3,075,000 |
| FHA-insured (Federal Housing Administration) | 23 | $2,341,000 | $101,000 | $153,000 | $47,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,446,000 | $120,000 | $210,000 | $51,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $117,000 | $117,000 | $117,000 | $91,000 | $91,000 |
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 | 817 | $96,971,000 | $118,000 | $2,400,000 | $71,000 | $3,075,000 |
| Application Denied By Financial Institution | 128 | $13,325,000 | $104,000 | $530,000 | $51,000 | $444,000 |
| Application Approved But Not Accepted | 122 | $16,409,000 | $134,000 | $472,000 | $74,000 | $442,000 |
| Application Withdrawn By Applicant | 51 | $6,350,000 | $124,000 | $475,000 | $88,000 | $518,000 |
| File Closed For Incompleteness | 6 | $1,116,000 | $186,000 | $432,000 | $248,000 | $1,085,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 71 | $5,838,000 | $82,000 | $275,000 | $45,000 | $165,000 |
| Debt-To-Income Ratio | 36 | $4,179,000 | $116,000 | $300,000 | $43,000 | $86,000 |
| Collateral | 13 | $2,247,000 | $172,000 | $530,000 | $43,000 | $86,000 |
| Unverifiable Information | 3 | $345,000 | $115,000 | $148,000 | $64,000 | $70,000 |
| Other | 2 | $154,000 | $77,000 | $77,000 | $444,000 | $444,000 |
| Employment History | 2 | $226,000 | $113,000 | $129,000 | $20,000 | $41,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $336,000 | $336,000 | $336,000 | $150,000 | $150,000 |
| 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 2006 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About