The First, A National Banking Association Mortgage Lending & HMDA Data, 2011
In 2011, The First, A National Banking Association of Hattiesburg, MS reported 793 mortgage applications totaling $107.8 million, down 10% from 2010. The average application was for $136,000, and applicants reported an average income of $87,868. 67% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Hattiesburg, MS (402), Gulfport-Biloxi, MS (137) and Pascagoula, MS (57) (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 | 793 |
| Total Mortgage Loan Application Amount | $107,848,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $3,250,000 |
| Average Applicant Income | $87,868 |
| Highest Applicant Income | $1,349,000 |
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First, A National Banking Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 283 | $ 45,222,000 | $ 159,795 | $ 77,000 |
| Forrest, Mississippi | 115 | $ 14,889,000 | $ 129,469 | $ 103,000 |
| Jones, Mississippi | 74 | $ 10,202,000 | $ 137,864 | $ 72,000 |
| Pearl River, Mississippi | 66 | $ 7,825,000 | $ 118,560 | $ 144,000 |
| Harrison, Mississippi | 63 | $ 7,979,000 | $ 126,650 | $ 93,000 |
| Jackson, Mississippi | 55 | $ 7,095,000 | $ 129,000 | $ 114,000 |
| Hancock, Mississippi | 37 | $ 3,825,000 | $ 103,378 | $ 69,000 |
| Stone, Mississippi | 37 | $ 2,511,000 | $ 67,864 | $ 40,000 |
| Marion, Mississippi | 11 | $ 1,092,000 | $ 99,272 | $ 47,000 |
| Covington, Mississippi | 10 | $ 1,265,000 | $ 126,500 | $ 53,000 |
| St. Tammany, Louisiana | 5 | $ 999,000 | $ 199,800 | $ 105,000 |
| Jasper, Mississippi | 5 | $ 352,000 | $ 70,400 | $ 41,000 |
| Perry, Mississippi | 4 | $ 161,000 | $ 40,250 | $ 25,000 |
| Wayne, Mississippi | 4 | $ 531,000 | $ 132,750 | $ 84,000 |
| Baldwin, Alabama | 2 | $ 608,000 | $ 304,000 | $ 252,000 |
| Jefferson, Alabama | 2 | $ 249,000 | $ 124,500 | $ 119,000 |
| Washington, Louisiana | 2 | $ 431,000 | $ 215,500 | $ 100,000 |
| George, Mississippi | 2 | $ 64,000 | $ 32,000 | $ 70,000 |
| Walthall, Mississippi | 2 | $ 359,000 | $ 179,500 | $ 96,000 |
| Mobile, Alabama | 1 | $ 1,026,000 | $ 1,026,000 | $ 135,000 |
| Santa Rosa, Florida | 1 | $ 83,000 | $ 83,000 | $ 77,000 |
| East Baton Rouge, Louisiana | 1 | $ 176,000 | $ 176,000 | $ 250,000 |
| Lafourche, Louisiana | 1 | $ 20,000 | $ 20,000 | $ 117,000 |
| Amite, Mississippi | 1 | $ 100,000 | $ 100,000 | $ 55,000 |
| Bolivar, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 67,000 |
| Jefferson Davis, Mississippi | 1 | $ 45,000 | $ 45,000 | $ 22,000 |
| Lauderdale, Mississippi | 1 | $ 191,000 | $ 191,000 | $ 72,000 |
| Newton, Mississippi | 1 | $ 21,000 | $ 21,000 | $ 144,000 |
| Oktibbeha, Mississippi | 1 | $ 212,000 | $ 212,000 | $ 74,000 |
| Pike, Mississippi | 1 | $ 50,000 | $ 50,000 | $ 11,000 |
| Rankin, Mississippi | 1 | $ 140,000 | $ 140,000 | $ 96,000 |
| Washington, Mississippi | 1 | $ 23,000 | $ 23,000 | $ 70,000 |
| Yazoo, Mississippi | 1 | $ 27,000 | $ 27,000 | $ 131,000 |
Mortgage Loan Application Detail Totals for The First, A National Banking Association in 2011
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 | 377 | $50,594,000 | $134,000 | $3,250,000 | $69,000 | $1,160,000 |
| Refinancing | 373 | $56,827,000 | $152,000 | $1,947,000 | $109,000 | $1,349,000 |
| Home Improvement | 43 | $427,000 | $9,000 | $40,000 | $70,000 | $710,000 |
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 | 676 | $89,136,000 | $131,000 | $1,026,000 | $97,000 | $1,349,000 |
| Black or African American | 54 | $5,408,000 | $100,000 | $334,000 | $48,000 | $230,000 |
| Not applicable | 42 | $11,380,000 | $270,000 | $3,250,000 | $0 | $0 |
| Hispanic | 10 | $1,078,000 | $107,000 | $332,000 | $52,000 | $115,000 |
| Not Provided | 6 | $351,000 | $58,000 | $126,000 | $61,000 | $119,000 |
| Asian | 3 | $353,000 | $117,000 | $170,000 | $81,000 | $131,000 |
| American Indian or Alaskan Native | 2 | $142,000 | $71,000 | $122,000 | $23,000 | $30,000 |
| 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) | 573 | $79,458,000 | $138,000 | $3,250,000 | $101,000 | $1,349,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 107 | $11,976,000 | $111,000 | $335,000 | $40,000 | $106,000 |
| FHA-insured (Federal Housing Administration) | 89 | $12,225,000 | $137,000 | $253,000 | $61,000 | $130,000 |
| VA-guaranteed (Veterans Administration) | 24 | $4,189,000 | $174,000 | $342,000 | $73,000 | $130,000 |
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 | 533 | $73,858,000 | $138,000 | $3,250,000 | $95,000 | $1,349,000 |
| Application Denied By Financial Institution | 121 | $13,024,000 | $107,000 | $425,000 | $56,000 | $311,000 |
| Application Withdrawn By Applicant | 105 | $15,327,000 | $145,000 | $417,000 | $82,000 | $506,000 |
| File Closed For Incompleteness | 17 | $3,153,000 | $185,000 | $669,000 | $114,000 | $696,000 |
| Loan Purchased By The Institution | 17 | $2,486,000 | $146,000 | $373,000 | $91,000 | $250,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 58 | $4,725,000 | $81,000 | $425,000 | $48,000 | $131,000 |
| Debt-To-Income Ratio | 35 | $4,520,000 | $129,000 | $358,000 | $55,000 | $136,000 |
| Collateral | 16 | $2,483,000 | $155,000 | $272,000 | $87,000 | $311,000 |
| Other | 7 | $860,000 | $122,000 | $242,000 | $82,000 | $210,000 |
| Unverifiable Information | 2 | $252,000 | $126,000 | $140,000 | $19,000 | $39,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $179,000 | $89,000 | $91,000 | $45,000 | $70,000 |
| Employment History | 1 | $5,000 | $5,000 | $5,000 | $30,000 | $30,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2011 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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