The First, A National Banking Association Mortgage Lending & HMDA Data, 2012
In 2012, The First, A National Banking Association of Hattiesburg, MS reported 945 mortgage applications totaling $155.6 million, up 19% from 2011. The average application was for $164,637, and applicants reported an average income of $115,209. 73% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Hattiesburg, MS (424), Gulfport-Biloxi, MS (249) and Pascagoula, MS (56) (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 | 945 |
| Total Mortgage Loan Application Amount | $155,582,000 |
| Average Mortgage Loan Application Amount | $164,637 |
| Highest Mortgage Loan Application Amount | $2,700,000 |
| Average Applicant Income | $115,209 |
| Highest Applicant Income | $5,480,000 |
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First, A National Banking Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 310 | $ 54,800,000 | $ 176,774 | $ 117,000 |
| Harrison, Mississippi | 134 | $ 18,415,000 | $ 137,425 | $ 106,000 |
| Forrest, Mississippi | 112 | $ 17,942,000 | $ 160,196 | $ 127,000 |
| Hancock, Mississippi | 89 | $ 14,639,000 | $ 164,483 | $ 75,000 |
| Jones, Mississippi | 71 | $ 8,318,000 | $ 117,154 | $ 98,000 |
| Pearl River, Mississippi | 68 | $ 8,494,000 | $ 124,911 | $ 67,000 |
| Jackson, Mississippi | 55 | $ 8,387,000 | $ 152,490 | $ 82,000 |
| Stone, Mississippi | 26 | $ 2,731,000 | $ 105,038 | $ 56,000 |
| Covington, Mississippi | 11 | $ 1,506,000 | $ 136,909 | $ 50,000 |
| Marion, Mississippi | 9 | $ 601,000 | $ 66,777 | $ 72,000 |
| Baldwin, Alabama | 7 | $ 2,334,000 | $ 333,428 | $ 96,000 |
| Washington, Louisiana | 6 | $ 322,000 | $ 53,666 | $ 80,000 |
| Lafayette, Mississippi | 5 | $ 4,950,000 | $ 990,000 | $ 883,000 |
| Jasper, Mississippi | 4 | $ 1,037,000 | $ 259,250 | $ 77,000 |
| Okaloosa, Florida | 3 | $ 1,497,000 | $ 499,000 | $ 304,000 |
| Orleans, Louisiana | 3 | $ 120,000 | $ 40,000 | $ 58,000 |
| Wayne, Mississippi | 3 | $ 585,000 | $ 195,000 | $ 138,000 |
| Lauderdale, Mississippi | 2 | $ 381,000 | $ 190,500 | $ 103,000 |
| Perry, Mississippi | 2 | $ 369,000 | $ 184,500 | $ 191,000 |
| Rankin, Mississippi | 2 | $ 977,000 | $ 488,500 | $ 438,000 |
| Smith, Mississippi | 2 | $ 242,000 | $ 121,000 | $ 84,000 |
| Calhoun, Alabama | 1 | $ 2,700,000 | $ 2,700,000 | $ 0 |
| Mobile, Alabama | 1 | $ 786,000 | $ 786,000 | $ 861,000 |
| Washington, Alabama | 1 | $ 676,000 | $ 676,000 | $ 0 |
| Escambia, Florida | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Walton, Florida | 1 | $ 162,000 | $ 162,000 | $ 5,480,000 |
| Jefferson, Louisiana | 1 | $ 287,000 | $ 287,000 | $ 110,000 |
| Plaquemines, Louisiana | 1 | $ 84,000 | $ 84,000 | $ 79,000 |
| St. Tammany, Louisiana | 1 | $ 90,000 | $ 90,000 | $ 70,000 |
| Tangipahoa, Louisiana | 1 | $ 96,000 | $ 96,000 | $ 46,000 |
| Adams, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 86,000 |
| George, Mississippi | 1 | $ 200,000 | $ 200,000 | $ 317,000 |
| Greene, Mississippi | 1 | $ 211,000 | $ 211,000 | $ 132,000 |
| Jefferson Davis, Mississippi | 1 | $ 59,000 | $ 59,000 | $ 35,000 |
| Madison, Mississippi | 1 | $ 122,000 | $ 122,000 | $ 139,000 |
| Marshall, Mississippi | 1 | $ 109,000 | $ 109,000 | $ 106,000 |
| Neshoba, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 83,000 |
| Oktibbeha, Mississippi | 1 | $ 185,000 | $ 185,000 | $ 67,000 |
| Pike, Mississippi | 1 | $ 178,000 | $ 178,000 | $ 59,000 |
| Simpson, Mississippi | 1 | $ 212,000 | $ 212,000 | $ 157,000 |
| Walthall, Mississippi | 1 | $ 266,000 | $ 266,000 | $ 1,903,000 |
| Clark, Nevada | 1 | $ 142,000 | $ 142,000 | $ 0 |
Mortgage Loan Application Detail Totals for The First, A National Banking Association in 2012
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 | 576 | $98,889,000 | $171,000 | $2,563,000 | $132,000 | $5,480,000 |
| Home Purchase | 344 | $56,173,000 | $163,000 | $2,700,000 | $89,000 | $1,903,000 |
| Home Improvement | 25 | $520,000 | $20,000 | $140,000 | $89,000 | $471,000 |
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 | 781 | $122,493,000 | $156,000 | $2,000,000 | $120,000 | $5,480,000 |
| Not applicable | 69 | $19,786,000 | $286,000 | $2,700,000 | $12,000 | $861,000 |
| Black or African American | 56 | $8,084,000 | $144,000 | $880,000 | $107,000 | $914,000 |
| Asian | 15 | $2,500,000 | $166,000 | $825,000 | $285,000 | $742,000 |
| Not Provided | 12 | $1,343,000 | $111,000 | $262,000 | $134,000 | $850,000 |
| Hispanic | 9 | $1,154,000 | $128,000 | $301,000 | $273,000 | $1,987,000 |
| American Indian or Alaskan Native | 3 | $222,000 | $74,000 | $125,000 | $36,000 | $48,000 |
| 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) | 750 | $128,698,000 | $171,000 | $2,700,000 | $130,000 | $5,480,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 87 | $10,791,000 | $124,000 | $197,000 | $42,000 | $79,000 |
| FHA-insured (Federal Housing Administration) | 78 | $10,843,000 | $139,000 | $272,000 | $64,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 30 | $5,250,000 | $175,000 | $301,000 | $76,000 | $226,000 |
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 | 689 | $115,439,000 | $167,000 | $2,700,000 | $120,000 | $5,480,000 |
| Application Denied By Financial Institution | 130 | $16,703,000 | $128,000 | $417,000 | $70,000 | $333,000 |
| Application Withdrawn By Applicant | 109 | $18,904,000 | $173,000 | $2,000,000 | $129,000 | $1,987,000 |
| File Closed For Incompleteness | 17 | $4,536,000 | $266,000 | $2,000,000 | $156,000 | $1,437,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 45 | $5,581,000 | $124,000 | $310,000 | $57,000 | $171,000 |
| Credit History | 44 | $4,075,000 | $92,000 | $236,000 | $66,000 | $317,000 |
| Collateral | 23 | $4,299,000 | $186,000 | $417,000 | $97,000 | $333,000 |
| Other | 12 | $2,084,000 | $173,000 | $405,000 | $95,000 | $197,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $366,000 | $122,000 | $130,000 | $44,000 | $51,000 |
| Unverifiable Information | 2 | $163,000 | $81,000 | $86,000 | $47,000 | $60,000 |
| Employment History | 1 | $135,000 | $135,000 | $135,000 | $61,000 | $61,000 |
| 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 2012 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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