The First, A National Banking Association Mortgage Lending & HMDA Data, 2008
In 2008, The First, A National Banking Association of Hattiesburg, MS reported 1,432 mortgage applications totaling $203.6 million, up 9% from 2007. The average application was for $142,188, and applicants reported an average income of $83,905. 64% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Hattiesburg, MS (637), Gulfport-Biloxi, MS (259) and Pascagoula, MS (158) (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 | 1,432 |
| Total Mortgage Loan Application Amount | $203,614,000 |
| Average Mortgage Loan Application Amount | $142,188 |
| Highest Mortgage Loan Application Amount | $3,202,000 |
| Average Applicant Income | $83,905 |
| Highest Applicant Income | $1,202,000 |
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First, A National Banking Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 429 | $ 70,362,000 | $ 164,013 | $ 85,000 |
| Forrest, Mississippi | 202 | $ 27,640,000 | $ 136,831 | $ 83,000 |
| Jones, Mississippi | 150 | $ 15,331,000 | $ 102,206 | $ 56,000 |
| Jackson, Mississippi | 149 | $ 19,623,000 | $ 131,697 | $ 95,000 |
| Pearl River, Mississippi | 110 | $ 15,725,000 | $ 142,954 | $ 62,000 |
| Stone, Mississippi | 105 | $ 10,827,000 | $ 103,114 | $ 64,000 |
| Hancock, Mississippi | 93 | $ 16,127,000 | $ 173,408 | $ 121,000 |
| Harrison, Mississippi | 61 | $ 7,966,000 | $ 130,590 | $ 120,000 |
| Covington, Mississippi | 23 | $ 2,355,000 | $ 102,391 | $ 44,000 |
| Jasper, Mississippi | 17 | $ 2,327,000 | $ 136,882 | $ 81,000 |
| Marion, Mississippi | 15 | $ 1,697,000 | $ 113,133 | $ 76,000 |
| George, Mississippi | 9 | $ 1,080,000 | $ 120,000 | $ 60,000 |
| Wayne, Mississippi | 7 | $ 901,000 | $ 128,714 | $ 78,000 |
| Perry, Mississippi | 6 | $ 801,000 | $ 133,500 | $ 63,000 |
| Baldwin, Alabama | 5 | $ 2,104,000 | $ 420,800 | $ 179,000 |
| Mobile, Alabama | 5 | $ 953,000 | $ 190,600 | $ 82,000 |
| Rankin, Mississippi | 4 | $ 658,000 | $ 164,500 | $ 114,000 |
| Fulton, Georgia | 3 | $ 270,000 | $ 90,000 | $ 43,000 |
| St. Tammany, Louisiana | 3 | $ 511,000 | $ 170,333 | $ 76,000 |
| Clarke, Mississippi | 3 | $ 276,000 | $ 92,000 | $ 62,000 |
| Lafayette, Mississippi | 3 | $ 780,000 | $ 260,000 | $ 428,000 |
| Escambia, Florida | 2 | $ 1,035,000 | $ 517,500 | $ 642,000 |
| Orleans, Louisiana | 2 | $ 503,000 | $ 251,500 | $ 117,000 |
| Greene, Mississippi | 2 | $ 244,000 | $ 122,000 | $ 59,000 |
| Hinds, Mississippi | 2 | $ 352,000 | $ 176,000 | $ 49,000 |
| Madison, Mississippi | 2 | $ 326,000 | $ 163,000 | $ 215,000 |
| Scott, Mississippi | 2 | $ 79,000 | $ 39,500 | $ 53,000 |
| Harris, Texas | 2 | $ 172,000 | $ 86,000 | $ 65,000 |
| Shelby, Alabama | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Washington, Alabama | 1 | $ 11,000 | $ 11,000 | $ 22,000 |
| Forsyth, Georgia | 1 | $ 227,000 | $ 227,000 | $ 150,000 |
| East Baton Rouge, Louisiana | 1 | $ 172,000 | $ 172,000 | $ 52,000 |
| Jefferson Davis, Mississippi | 1 | $ 71,000 | $ 71,000 | $ 21,000 |
| Lawrence, Mississippi | 1 | $ 156,000 | $ 156,000 | $ 66,000 |
| Oktibbeha, Mississippi | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Simpson, Mississippi | 1 | $ 200,000 | $ 200,000 | $ 173,000 |
| Smith, Mississippi | 1 | $ 350,000 | $ 350,000 | $ 163,000 |
| Walthall, Mississippi | 1 | $ 102,000 | $ 102,000 | $ 136,000 |
| Warren, Mississippi | 1 | $ 125,000 | $ 125,000 | $ 104,000 |
| Washington, Mississippi | 1 | $ 26,000 | $ 26,000 | $ 88,000 |
| Gallatin, Montana | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Clark, Nevada | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Dallas, Texas | 1 | $ 155,000 | $ 155,000 | $ 59,000 |
| Virginia Beach, Virginia | 1 | $ 207,000 | $ 207,000 | $ 200,000 |
Mortgage Loan Application Detail Totals for The First, A National Banking Association in 2008
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 | 691 | $103,114,000 | $149,000 | $1,526,000 | $78,000 | $1,058,000 |
| Refinancing | 654 | $98,052,000 | $149,000 | $3,202,000 | $90,000 | $1,202,000 |
| Home Improvement | 87 | $2,448,000 | $28,000 | $200,000 | $85,000 | $817,000 |
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 | 1,216 | $169,492,000 | $139,000 | $1,526,000 | $91,000 | $1,202,000 |
| Black or African American | 91 | $11,189,000 | $122,000 | $467,000 | $65,000 | $285,000 |
| Not applicable | 78 | $15,788,000 | $202,000 | $3,202,000 | $0 | $0 |
| Not Provided | 22 | $3,823,000 | $173,000 | $400,000 | $68,000 | $210,000 |
| Hispanic | 12 | $1,298,000 | $108,000 | $219,000 | $63,000 | $104,000 |
| Asian | 9 | $1,746,000 | $194,000 | $370,000 | $81,000 | $220,000 |
| American Indian or Alaskan Native | 4 | $278,000 | $69,000 | $149,000 | $38,000 | $58,000 |
| 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) | 1,208 | $174,421,000 | $144,000 | $3,202,000 | $90,000 | $1,202,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 127 | $15,207,000 | $119,000 | $257,000 | $43,000 | $90,000 |
| FHA-insured (Federal Housing Administration) | 73 | $10,180,000 | $139,000 | $275,000 | $68,000 | $312,000 |
| VA-guaranteed (Veterans Administration) | 24 | $3,806,000 | $158,000 | $256,000 | $59,000 | $120,000 |
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 | 910 | $126,667,000 | $139,000 | $3,202,000 | $89,000 | $1,202,000 |
| Application Denied By Financial Institution | 310 | $43,988,000 | $141,000 | $541,000 | $73,000 | $1,138,000 |
| Application Withdrawn By Applicant | 115 | $17,959,000 | $156,000 | $561,000 | $88,000 | $480,000 |
| Application Approved But Not Accepted | 59 | $9,256,000 | $156,000 | $389,000 | $71,000 | $180,000 |
| File Closed For Incompleteness | 38 | $5,744,000 | $151,000 | $540,000 | $60,000 | $200,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 123 | $18,035,000 | $146,000 | $417,000 | $49,000 | $253,000 |
| Credit History | 97 | $11,410,000 | $117,000 | $467,000 | $62,000 | $312,000 |
| Collateral | 37 | $6,575,000 | $177,000 | $417,000 | $160,000 | $1,138,000 |
| Other | 19 | $3,236,000 | $170,000 | $541,000 | $69,000 | $204,000 |
| Unverifiable Information | 17 | $2,222,000 | $130,000 | $240,000 | $57,000 | $160,000 |
| Credit Application Incomplete | 10 | $1,281,000 | $128,000 | $185,000 | $173,000 | $306,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $766,000 | $191,000 | $385,000 | $87,000 | $154,000 |
| Employment History | 3 | $463,000 | $154,000 | $309,000 | $131,000 | $313,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First, A National Banking Association's 2008 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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