The First, A National Banking Association Mortgage Lending & HMDA Data, 2014
In 2014, The First, A National Banking Association of Hattiesburg, MS reported 829 mortgage applications totaling $149.1 million, up 4% from 2013. The average application was for $179,816, and applicants reported an average income of $120,987. 73% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Hattiesburg, MS (273), Gulfport-Biloxi-Pascagoula, MS (200) and Daphne-Fairhope-Foley, AL (153) (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 | 829 |
| Total Mortgage Loan Application Amount | $149,068,000 |
| Average Mortgage Loan Application Amount | $179,816 |
| Highest Mortgage Loan Application Amount | $1,928,000 |
| Average Applicant Income | $120,987 |
| Highest Applicant Income | $1,823,000 |
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First, A National Banking Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 173 | $ 31,555,000 | $ 182,398 | $ 110,000 |
| Baldwin, Alabama | 153 | $ 33,524,000 | $ 219,111 | $ 133,000 |
| Forrest, Mississippi | 95 | $ 10,848,000 | $ 114,189 | $ 110,000 |
| Harrison, Mississippi | 80 | $ 11,347,000 | $ 141,837 | $ 75,000 |
| Hancock, Mississippi | 64 | $ 8,745,000 | $ 136,640 | $ 115,000 |
| Jones, Mississippi | 60 | $ 8,823,000 | $ 147,050 | $ 115,000 |
| Jackson, Mississippi | 56 | $ 14,348,000 | $ 256,214 | $ 163,000 |
| Mobile, Alabama | 27 | $ 4,318,000 | $ 159,925 | $ 84,000 |
| Pearl River, Mississippi | 26 | $ 3,916,000 | $ 150,615 | $ 124,000 |
| Stone, Mississippi | 14 | $ 1,545,000 | $ 110,357 | $ 58,000 |
| East Baton Rouge, Louisiana | 10 | $ 4,035,000 | $ 403,500 | $ 329,000 |
| Escambia, Florida | 8 | $ 2,147,000 | $ 268,375 | $ 164,000 |
| Covington, Mississippi | 8 | $ 3,824,000 | $ 478,000 | $ 79,000 |
| Oktibbeha, Mississippi | 7 | $ 794,000 | $ 113,428 | $ 68,000 |
| Orleans, Louisiana | 6 | $ 1,740,000 | $ 290,000 | $ 224,000 |
| Washington, Louisiana | 6 | $ 474,000 | $ 79,000 | $ 77,000 |
| Madison, Mississippi | 6 | $ 1,166,000 | $ 194,333 | $ 91,000 |
| Perry, Mississippi | 5 | $ 395,000 | $ 79,000 | $ 116,000 |
| Jasper, Mississippi | 3 | $ 231,000 | $ 77,000 | $ 31,000 |
| Jefferson, Louisiana | 2 | $ 525,000 | $ 262,500 | $ 374,000 |
| St. Tammany, Louisiana | 2 | $ 119,000 | $ 59,500 | $ 44,000 |
| DeKalb, Alabama | 1 | $ 173,000 | $ 173,000 | $ 235,000 |
| Jefferson, Alabama | 1 | $ 221,000 | $ 221,000 | $ 581,000 |
| Montgomery, Alabama | 1 | $ 184,000 | $ 184,000 | $ 85,000 |
| Shelby, Alabama | 1 | $ 218,000 | $ 218,000 | $ 132,000 |
| St. Clair, Alabama | 1 | $ 185,000 | $ 185,000 | $ 47,000 |
| Okaloosa, Florida | 1 | $ 775,000 | $ 775,000 | $ 480,000 |
| Santa Rosa, Florida | 1 | $ 593,000 | $ 593,000 | $ 570,000 |
| Walton, Florida | 1 | $ 800,000 | $ 800,000 | $ 987,000 |
| Ascension, Louisiana | 1 | $ 121,000 | $ 121,000 | $ 382,000 |
| George, Mississippi | 1 | $ 42,000 | $ 42,000 | $ 281,000 |
| Greene, Mississippi | 1 | $ 128,000 | $ 128,000 | $ 58,000 |
| Jefferson Davis, Mississippi | 1 | $ 160,000 | $ 160,000 | $ 273,000 |
| Lafayette, Mississippi | 1 | $ 174,000 | $ 174,000 | $ 437,000 |
| Marion, Mississippi | 1 | $ 128,000 | $ 128,000 | $ 70,000 |
| Smith, Mississippi | 1 | $ 136,000 | $ 136,000 | $ 96,000 |
| Walthall, Mississippi | 1 | $ 116,000 | $ 116,000 | $ 100,000 |
| Wayne, Mississippi | 1 | $ 78,000 | $ 78,000 | $ 48,000 |
| Davidson, Tennessee | 1 | $ 417,000 | $ 417,000 | $ 171,000 |
Mortgage Loan Application Detail Totals for The First, A National Banking Association in 2014
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 | 488 | $88,709,000 | $181,000 | $1,844,000 | $116,000 | $1,245,000 |
| Refinancing | 315 | $59,819,000 | $189,000 | $1,928,000 | $125,000 | $1,823,000 |
| Home Improvement | 26 | $540,000 | $20,000 | $150,000 | $166,000 | $820,000 |
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 | 663 | $112,703,000 | $169,000 | $1,844,000 | $133,000 | $1,823,000 |
| Not applicable | 70 | $21,282,000 | $304,000 | $1,928,000 | $8,000 | $455,000 |
| Black or African American | 52 | $5,830,000 | $112,000 | $417,000 | $69,000 | $550,000 |
| Not Provided | 21 | $5,105,000 | $243,000 | $950,000 | $168,000 | $528,000 |
| Hispanic | 10 | $1,421,000 | $142,000 | $425,000 | $157,000 | $626,000 |
| Asian | 9 | $2,184,000 | $242,000 | $690,000 | $200,000 | $650,000 |
| American Indian or Alaskan Native | 2 | $295,000 | $147,000 | $157,000 | $123,000 | $174,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $248,000 | $124,000 | $242,000 | $158,000 | $200,000 |
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) | 696 | $130,924,000 | $188,000 | $1,928,000 | $132,000 | $1,823,000 |
| FHA-insured (Federal Housing Administration) | 53 | $6,583,000 | $124,000 | $236,000 | $59,000 | $124,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 45 | $5,140,000 | $114,000 | $264,000 | $43,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 35 | $6,421,000 | $183,000 | $775,000 | $85,000 | $480,000 |
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 | 608 | $115,048,000 | $189,000 | $1,928,000 | $136,000 | $1,823,000 |
| Application Denied By Financial Institution | 107 | $14,985,000 | $140,000 | $892,000 | $58,000 | $298,000 |
| Application Withdrawn By Applicant | 70 | $12,459,000 | $177,000 | $1,190,000 | $107,000 | $650,000 |
| File Closed For Incompleteness | 40 | $5,890,000 | $147,000 | $425,000 | $86,000 | $580,000 |
| Application Approved But Not Accepted | 4 | $686,000 | $171,000 | $311,000 | $77,000 | $112,000 |
| 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 | 42 | $8,151,000 | $194,000 | $892,000 | $52,000 | $202,000 |
| Credit History | 35 | $2,988,000 | $85,000 | $225,000 | $55,000 | $182,000 |
| Collateral | 15 | $2,303,000 | $153,000 | $590,000 | $72,000 | $233,000 |
| Employment History | 4 | $246,000 | $61,000 | $89,000 | $54,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $353,000 | $88,000 | $120,000 | $39,000 | $74,000 |
| Unverifiable Information | 4 | $590,000 | $147,000 | $250,000 | $120,000 | $298,000 |
| Other | 3 | $354,000 | $118,000 | $185,000 | $44,000 | $47,000 |
| 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 2014 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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