The First, A National Banking Association Mortgage Lending & HMDA Data, 2013
In 2013, The First, A National Banking Association of Hattiesburg, MS reported 799 mortgage applications totaling $128.2 million, down 15% from 2012. The average application was for $160,486, and applicants reported an average income of $117,932. 65% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Hattiesburg, MS (338), Gulfport-Biloxi, MS (216) and Pascagoula, MS (63) (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 | 799 |
| Total Mortgage Loan Application Amount | $128,229,000 |
| Average Mortgage Loan Application Amount | $160,486 |
| Highest Mortgage Loan Application Amount | $2,525,000 |
| Average Applicant Income | $117,932 |
| Highest Applicant Income | $1,799,000 |
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First, A National Banking Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 218 | $ 36,847,000 | $ 169,022 | $ 128,000 |
| Forrest, Mississippi | 110 | $ 18,187,000 | $ 165,336 | $ 151,000 |
| Harrison, Mississippi | 105 | $ 14,777,000 | $ 140,733 | $ 88,000 |
| Hancock, Mississippi | 86 | $ 10,611,000 | $ 123,383 | $ 106,000 |
| Jackson, Mississippi | 62 | $ 11,010,000 | $ 177,580 | $ 102,000 |
| Jones, Mississippi | 55 | $ 9,217,000 | $ 167,581 | $ 143,000 |
| Pearl River, Mississippi | 50 | $ 6,101,000 | $ 122,020 | $ 80,000 |
| Stone, Mississippi | 25 | $ 2,642,000 | $ 105,680 | $ 89,000 |
| Covington, Mississippi | 12 | $ 1,323,000 | $ 110,250 | $ 53,000 |
| Perry, Mississippi | 10 | $ 1,194,000 | $ 119,400 | $ 68,000 |
| Marion, Mississippi | 9 | $ 1,078,000 | $ 119,777 | $ 124,000 |
| Washington, Louisiana | 5 | $ 343,000 | $ 68,600 | $ 86,000 |
| Jasper, Mississippi | 5 | $ 274,000 | $ 54,800 | $ 66,000 |
| Orleans, Louisiana | 4 | $ 2,353,000 | $ 588,250 | $ 455,000 |
| St. Tammany, Louisiana | 4 | $ 1,125,000 | $ 281,250 | $ 137,000 |
| Baldwin, Alabama | 3 | $ 916,000 | $ 305,333 | $ 43,000 |
| Lafayette, Mississippi | 3 | $ 436,000 | $ 145,333 | $ 481,000 |
| Smith, Mississippi | 3 | $ 232,000 | $ 77,333 | $ 27,000 |
| Walthall, Mississippi | 3 | $ 416,000 | $ 138,666 | $ 70,000 |
| Okaloosa, Florida | 2 | $ 499,000 | $ 249,500 | $ 169,000 |
| Clarke, Mississippi | 2 | $ 365,000 | $ 182,500 | $ 88,000 |
| Hinds, Mississippi | 2 | $ 209,000 | $ 104,500 | $ 43,000 |
| Jefferson Davis, Mississippi | 2 | $ 26,000 | $ 13,000 | $ 61,000 |
| Oktibbeha, Mississippi | 2 | $ 256,000 | $ 128,000 | $ 81,000 |
| Rankin, Mississippi | 2 | $ 194,000 | $ 97,000 | $ 270,000 |
| Wayne, Mississippi | 2 | $ 238,000 | $ 119,000 | $ 26,000 |
| Jefferson, Alabama | 1 | $ 314,000 | $ 314,000 | $ 405,000 |
| Bay, Florida | 1 | $ 267,000 | $ 267,000 | $ 548,000 |
| Escambia, Florida | 1 | $ 151,000 | $ 151,000 | $ 117,000 |
| Gulf, Florida | 1 | $ 727,000 | $ 727,000 | $ 405,000 |
| Leon, Florida | 1 | $ 2,525,000 | $ 2,525,000 | $ 0 |
| Ascension, Louisiana | 1 | $ 414,000 | $ 414,000 | $ 0 |
| Jefferson, Louisiana | 1 | $ 141,000 | $ 141,000 | $ 84,000 |
| George, Mississippi | 1 | $ 72,000 | $ 72,000 | $ 137,000 |
| Holmes, Mississippi | 1 | $ 120,000 | $ 120,000 | $ 225,000 |
| Jefferson, Mississippi | 1 | $ 47,000 | $ 47,000 | $ 24,000 |
| Madison, Mississippi | 1 | $ 202,000 | $ 202,000 | $ 73,000 |
| Simpson, Mississippi | 1 | $ 300,000 | $ 300,000 | $ 73,000 |
| Warren, Mississippi | 1 | $ 2,080,000 | $ 2,080,000 | $ 0 |
Mortgage Loan Application Detail Totals for The First, A National Banking Association in 2013
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 | 427 | $70,800,000 | $165,000 | $1,800,000 | $130,000 | $1,494,000 |
| Home Purchase | 354 | $56,517,000 | $159,000 | $2,525,000 | $102,000 | $1,799,000 |
| Home Improvement | 18 | $912,000 | $50,000 | $300,000 | $145,000 | $624,000 |
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 | 666 | $107,403,000 | $161,000 | $1,800,000 | $122,000 | $1,799,000 |
| Black or African American | 64 | $7,002,000 | $109,000 | $310,000 | $104,000 | $756,000 |
| Not applicable | 39 | $9,372,000 | $240,000 | $2,525,000 | $43,000 | $1,494,000 |
| Not Provided | 11 | $1,492,000 | $135,000 | $350,000 | $121,000 | $408,000 |
| Asian | 9 | $1,838,000 | $204,000 | $470,000 | $189,000 | $486,000 |
| Hispanic | 8 | $975,000 | $121,000 | $199,000 | $51,000 | $96,000 |
| American Indian or Alaskan Native | 2 | $147,000 | $73,000 | $90,000 | $618,000 | $1,032,000 |
| 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) | 640 | $106,746,000 | $166,000 | $2,525,000 | $133,000 | $1,799,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 70 | $7,927,000 | $113,000 | $247,000 | $44,000 | $78,000 |
| FHA-insured (Federal Housing Administration) | 69 | $10,121,000 | $146,000 | $276,000 | $64,000 | $212,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,435,000 | $171,000 | $276,000 | $85,000 | $220,000 |
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 | 518 | $83,841,000 | $161,000 | $2,525,000 | $131,000 | $1,494,000 |
| Application Denied By Financial Institution | 124 | $16,031,000 | $129,000 | $1,080,000 | $72,000 | $834,000 |
| Application Withdrawn By Applicant | 96 | $16,676,000 | $173,000 | $1,800,000 | $94,000 | $600,000 |
| File Closed For Incompleteness | 57 | $11,034,000 | $193,000 | $845,000 | $144,000 | $1,799,000 |
| Application Approved But Not Accepted | 4 | $647,000 | $161,000 | $268,000 | $54,000 | $69,000 |
| 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 | 51 | $6,869,000 | $134,000 | $1,080,000 | $79,000 | $834,000 |
| Debt-To-Income Ratio | 31 | $4,151,000 | $133,000 | $390,000 | $57,000 | $193,000 |
| Collateral | 27 | $3,410,000 | $126,000 | $352,000 | $79,000 | $365,000 |
| Other | 8 | $800,000 | $100,000 | $247,000 | $73,000 | $141,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $301,000 | $75,000 | $150,000 | $61,000 | $91,000 |
| Employment History | 2 | $242,000 | $121,000 | $147,000 | $64,000 | $80,000 |
| Unverifiable Information | 1 | $258,000 | $258,000 | $258,000 | $86,000 | $86,000 |
| 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 2013 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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