The First, A National Banking Association Mortgage Lending & HMDA Data, 2007
In 2007, The First, A National Banking Association of Hattiesburg, MS reported 1,312 mortgage applications totaling $175.2 million, up 17% from 2006. The average application was for $133,569, and applicants reported an average income of $78,037. 71% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Hattiesburg, MS (603), Gulfport-Biloxi, MS (184) and Pascagoula, MS (159) (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 | 1,312 |
| Total Mortgage Loan Application Amount | $175,243,000 |
| Average Mortgage Loan Application Amount | $133,569 |
| Highest Mortgage Loan Application Amount | $3,202,000 |
| Average Applicant Income | $78,037 |
| Highest Applicant Income | $4,297,000 |
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First, A National Banking Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 390 | $ 57,158,000 | $ 146,558 | $ 80,000 |
| Forrest, Mississippi | 201 | $ 25,581,000 | $ 127,268 | $ 95,000 |
| Jackson, Mississippi | 154 | $ 18,275,000 | $ 118,668 | $ 61,000 |
| Jones, Mississippi | 152 | $ 15,752,000 | $ 103,631 | $ 77,000 |
| Pearl River, Mississippi | 117 | $ 16,463,000 | $ 140,709 | $ 59,000 |
| Hancock, Mississippi | 70 | $ 11,781,000 | $ 168,300 | $ 91,000 |
| Stone, Mississippi | 68 | $ 6,314,000 | $ 92,852 | $ 70,000 |
| Harrison, Mississippi | 46 | $ 6,546,000 | $ 142,304 | $ 85,000 |
| Covington, Mississippi | 13 | $ 1,476,000 | $ 113,538 | $ 70,000 |
| Marion, Mississippi | 12 | $ 1,174,000 | $ 97,833 | $ 41,000 |
| Perry, Mississippi | 12 | $ 991,000 | $ 82,583 | $ 59,000 |
| Jasper, Mississippi | 9 | $ 642,000 | $ 71,333 | $ 49,000 |
| George, Mississippi | 5 | $ 666,000 | $ 133,200 | $ 50,000 |
| Baldwin, Alabama | 3 | $ 897,000 | $ 299,000 | $ 165,000 |
| Jefferson, Louisiana | 3 | $ 594,000 | $ 198,000 | $ 93,000 |
| Orleans, Louisiana | 3 | $ 863,000 | $ 287,666 | $ 40,000 |
| Jefferson Davis, Mississippi | 3 | $ 187,000 | $ 62,333 | $ 51,000 |
| Lafayette, Mississippi | 3 | $ 451,000 | $ 150,333 | $ 71,000 |
| Rankin, Mississippi | 3 | $ 442,000 | $ 147,333 | $ 77,000 |
| Escambia, Florida | 2 | $ 472,000 | $ 236,000 | $ 230,000 |
| Livingston, Louisiana | 2 | $ 249,000 | $ 124,500 | $ 20,000 |
| St. Tammany, Louisiana | 2 | $ 353,000 | $ 176,500 | $ 70,000 |
| Hinds, Mississippi | 2 | $ 667,000 | $ 333,500 | $ 281,000 |
| Simpson, Mississippi | 2 | $ 242,000 | $ 121,000 | $ 43,000 |
| Smith, Mississippi | 2 | $ 89,000 | $ 44,500 | $ 81,000 |
| Wayne, Mississippi | 2 | $ 185,000 | $ 92,500 | $ 73,000 |
| Harris, Texas | 2 | $ 205,000 | $ 102,500 | $ 92,000 |
| Jefferson, Alabama | 1 | $ 200,000 | $ 200,000 | $ 84,000 |
| Shelby, Alabama | 1 | $ 246,000 | $ 246,000 | $ 43,000 |
| Hillsborough, Florida | 1 | $ 150,000 | $ 150,000 | $ 32,000 |
| Okaloosa, Florida | 1 | $ 482,000 | $ 482,000 | $ 348,000 |
| Walton, Florida | 1 | $ 1,800,000 | $ 1,800,000 | $ 0 |
| Fulton, Georgia | 1 | $ 165,000 | $ 165,000 | $ 43,000 |
| Hall, Georgia | 1 | $ 212,000 | $ 212,000 | $ 45,000 |
| East Baton Rouge, Louisiana | 1 | $ 382,000 | $ 382,000 | $ 0 |
| Lafayette, Louisiana | 1 | $ 430,000 | $ 430,000 | $ 207,000 |
| Ouachita, Louisiana | 1 | $ 91,000 | $ 91,000 | $ 120,000 |
| Tangipahoa, Louisiana | 1 | $ 214,000 | $ 214,000 | $ 151,000 |
| Adams, Mississippi | 1 | $ 79,000 | $ 79,000 | $ 76,000 |
| Amite, Mississippi | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Greene, Mississippi | 1 | $ 118,000 | $ 118,000 | $ 57,000 |
| Lincoln, Mississippi | 1 | $ 122,000 | $ 122,000 | $ 72,000 |
| Madison, Mississippi | 1 | $ 180,000 | $ 180,000 | $ 122,000 |
| Neshoba, Mississippi | 1 | $ 68,000 | $ 68,000 | $ 58,000 |
| Newton, Mississippi | 1 | $ 119,000 | $ 119,000 | $ 88,000 |
| Oktibbeha, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
| Walthall, Mississippi | 1 | $ 70,000 | $ 70,000 | $ 24,000 |
| Warren, Mississippi | 1 | $ 79,000 | $ 79,000 | $ 99,000 |
| Wilkinson, Mississippi | 1 | $ 17,000 | $ 17,000 | $ 85,000 |
| Queens, New York | 1 | $ 120,000 | $ 120,000 | $ 58,000 |
| Clackamas, Oregon | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Bradley, Tennessee | 1 | $ 182,000 | $ 182,000 | $ 96,000 |
| Davidson, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 34,000 |
| Williamson, Tennessee | 1 | $ 263,000 | $ 263,000 | $ 97,000 |
| Dallas, Texas | 1 | $ 175,000 | $ 175,000 | $ 107,000 |
| Fremont, Wyoming | 1 | $ 138,000 | $ 138,000 | $ 391,000 |
Mortgage Loan Application Detail Totals for The First, A National Banking Association in 2007
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 | 689 | $97,793,000 | $141,000 | $1,800,000 | $70,000 | $750,000 |
| Refinancing | 514 | $73,704,000 | $143,000 | $3,202,000 | $92,000 | $4,297,000 |
| Home Improvement | 109 | $3,746,000 | $34,000 | $302,000 | $63,000 | $512,000 |
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 | 1,095 | $142,709,000 | $130,000 | $800,000 | $86,000 | $4,297,000 |
| Black or African American | 119 | $11,858,000 | $99,000 | $329,000 | $43,000 | $151,000 |
| Not applicable | 55 | $14,472,000 | $263,000 | $3,202,000 | $0 | $0 |
| Not Provided | 19 | $2,198,000 | $115,000 | $250,000 | $79,000 | $422,000 |
| Hispanic | 16 | $2,633,000 | $164,000 | $482,000 | $92,000 | $461,000 |
| Asian | 7 | $1,188,000 | $169,000 | $466,000 | $68,000 | $150,000 |
| American Indian or Alaskan Native | 1 | $185,000 | $185,000 | $185,000 | $55,000 | $55,000 |
| 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) | 1,249 | $166,283,000 | $133,000 | $3,202,000 | $79,000 | $4,297,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $3,023,000 | $116,000 | $230,000 | $41,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 19 | $3,700,000 | $194,000 | $377,000 | $62,000 | $143,000 |
| FHA-insured (Federal Housing Administration) | 18 | $2,237,000 | $124,000 | $181,000 | $65,000 | $187,000 |
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 | 929 | $123,905,000 | $133,000 | $3,202,000 | $83,000 | $4,297,000 |
| Application Denied By Financial Institution | 208 | $24,488,000 | $117,000 | $482,000 | $54,000 | $422,000 |
| Application Approved But Not Accepted | 87 | $14,181,000 | $163,000 | $720,000 | $87,000 | $479,000 |
| Application Withdrawn By Applicant | 66 | $8,674,000 | $131,000 | $319,000 | $62,000 | $251,000 |
| File Closed For Incompleteness | 22 | $3,995,000 | $181,000 | $800,000 | $82,000 | $208,000 |
| 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 | 115 | $12,069,000 | $104,000 | $367,000 | $50,000 | $216,000 |
| Debt-To-Income Ratio | 56 | $7,078,000 | $126,000 | $310,000 | $42,000 | $146,000 |
| Collateral | 25 | $4,029,000 | $161,000 | $482,000 | $107,000 | $422,000 |
| Unverifiable Information | 5 | $613,000 | $122,000 | $165,000 | $36,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $444,000 | $111,000 | $141,000 | $40,000 | $56,000 |
| Employment History | 2 | $205,000 | $102,000 | $106,000 | $67,000 | $104,000 |
| Other | 1 | $50,000 | $50,000 | $50,000 | $59,000 | $59,000 |
| 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 2007 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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