The First, A National Banking Association Mortgage Lending & HMDA Data, 2010
In 2010, The First, A National Banking Association of Hattiesburg, MS reported 882 mortgage applications totaling $127.7 million, down 26% from 2009. The average application was for $144,809, and applicants reported an average income of $91,520. 75% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Hattiesburg, MS (440), Gulfport-Biloxi, MS (155) and Pascagoula, MS (61) (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 | 882 |
| Total Mortgage Loan Application Amount | $127,722,000 |
| Average Mortgage Loan Application Amount | $144,809 |
| Highest Mortgage Loan Application Amount | $1,943,000 |
| Average Applicant Income | $91,520 |
| Highest Applicant Income | $2,979,000 |
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First, A National Banking Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 303 | $ 49,239,000 | $ 162,504 | $ 92,000 |
| Forrest, Mississippi | 132 | $ 18,970,000 | $ 143,712 | $ 87,000 |
| Pearl River, Mississippi | 86 | $ 11,522,000 | $ 133,976 | $ 73,000 |
| Jones, Mississippi | 75 | $ 9,415,000 | $ 125,533 | $ 85,000 |
| Stone, Mississippi | 61 | $ 4,683,000 | $ 76,770 | $ 69,000 |
| Jackson, Mississippi | 60 | $ 8,412,000 | $ 140,200 | $ 90,000 |
| Harrison, Mississippi | 51 | $ 6,399,000 | $ 125,470 | $ 97,000 |
| Hancock, Mississippi | 43 | $ 5,323,000 | $ 123,790 | $ 164,000 |
| Covington, Mississippi | 15 | $ 2,323,000 | $ 154,866 | $ 60,000 |
| Jasper, Mississippi | 8 | $ 831,000 | $ 103,875 | $ 44,000 |
| Marion, Mississippi | 5 | $ 479,000 | $ 95,800 | $ 45,000 |
| Perry, Mississippi | 5 | $ 254,000 | $ 50,800 | $ 29,000 |
| Mobile, Alabama | 4 | $ 573,000 | $ 143,250 | $ 55,000 |
| Wayne, Mississippi | 4 | $ 170,000 | $ 42,500 | $ 51,000 |
| St. Tammany, Louisiana | 3 | $ 378,000 | $ 126,000 | $ 62,000 |
| Simpson, Mississippi | 3 | $ 438,000 | $ 146,000 | $ 74,000 |
| Baldwin, Alabama | 2 | $ 690,000 | $ 345,000 | $ 0 |
| Okaloosa, Florida | 2 | $ 1,577,000 | $ 788,500 | $ 1,284,000 |
| Greene, Mississippi | 2 | $ 213,000 | $ 106,500 | $ 54,000 |
| Lawrence, Mississippi | 2 | $ 312,000 | $ 156,000 | $ 49,000 |
| Madison, Mississippi | 2 | $ 333,000 | $ 166,500 | $ 139,000 |
| Smith, Mississippi | 2 | $ 232,000 | $ 116,000 | $ 114,000 |
| Walton, Florida | 1 | $ 1,943,000 | $ 1,943,000 | $ 0 |
| Fayette, Kentucky | 1 | $ 508,000 | $ 508,000 | $ 0 |
| East Baton Rouge, Louisiana | 1 | $ 255,000 | $ 255,000 | $ 127,000 |
| Orleans, Louisiana | 1 | $ 1,117,000 | $ 1,117,000 | $ 0 |
| Amite, Mississippi | 1 | $ 93,000 | $ 93,000 | $ 67,000 |
| Clarke, Mississippi | 1 | $ 171,000 | $ 171,000 | $ 101,000 |
| George, Mississippi | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Hinds, Mississippi | 1 | $ 155,000 | $ 155,000 | $ 216,000 |
| Lafayette, Mississippi | 1 | $ 139,000 | $ 139,000 | $ 341,000 |
| Lauderdale, Mississippi | 1 | $ 230,000 | $ 230,000 | $ 100,000 |
| Oktibbeha, Mississippi | 1 | $ 232,000 | $ 232,000 | $ 276,000 |
| Webster, Mississippi | 1 | $ 59,000 | $ 59,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for The First, A National Banking Association in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 461 | $70,200,000 | $152,000 | $1,550,000 | $109,000 | $2,979,000 |
| Home Purchase | 381 | $56,513,000 | $148,000 | $1,943,000 | $72,000 | $1,054,000 |
| Home Improvement | 40 | $1,009,000 | $25,000 | $150,000 | $76,000 | $464,000 |
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 | 765 | $106,717,000 | $139,000 | $1,157,000 | $99,000 | $2,979,000 |
| Black or African American | 55 | $5,509,000 | $100,000 | $354,000 | $60,000 | $268,000 |
| Not applicable | 43 | $12,981,000 | $301,000 | $1,943,000 | $0 | $0 |
| Hispanic | 6 | $856,000 | $142,000 | $377,000 | $70,000 | $182,000 |
| Asian | 6 | $721,000 | $120,000 | $165,000 | $31,000 | $65,000 |
| Not Provided | 4 | $348,000 | $87,000 | $155,000 | $63,000 | $107,000 |
| American Indian or Alaskan Native | 2 | $398,000 | $199,000 | $330,000 | $222,000 | $430,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $192,000 | $192,000 | $192,000 | $69,000 | $69,000 |
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) | 638 | $93,527,000 | $146,000 | $1,943,000 | $106,000 | $2,979,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 113 | $14,008,000 | $123,000 | $330,000 | $41,000 | $88,000 |
| FHA-insured (Federal Housing Administration) | 107 | $15,541,000 | $145,000 | $275,000 | $63,000 | $276,000 |
| VA-guaranteed (Veterans Administration) | 24 | $4,646,000 | $193,000 | $369,000 | $73,000 | $153,000 |
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 | 662 | $96,622,000 | $145,000 | $1,943,000 | $93,000 | $2,979,000 |
| Application Withdrawn By Applicant | 114 | $18,458,000 | $161,000 | $557,000 | $108,000 | $1,292,000 |
| Application Denied By Financial Institution | 105 | $12,509,000 | $119,000 | $417,000 | $64,000 | $368,000 |
| Application Approved But Not Accepted | 1 | $133,000 | $133,000 | $133,000 | $32,000 | $32,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 37 | $2,226,000 | $60,000 | $227,000 | $60,000 | $212,000 |
| Debt-To-Income Ratio | 37 | $5,294,000 | $143,000 | $417,000 | $53,000 | $300,000 |
| Collateral | 21 | $3,648,000 | $173,000 | $415,000 | $92,000 | $368,000 |
| Other | 7 | $1,016,000 | $145,000 | $235,000 | $65,000 | $117,000 |
| Unverifiable Information | 2 | $233,000 | $116,000 | $151,000 | $67,000 | $102,000 |
| Employment History | 1 | $92,000 | $92,000 | $92,000 | $16,000 | $16,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2010 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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