The First, A National Banking Association Mortgage Lending & HMDA Data, 2016
In 2016, The First, A National Banking Association of Hattiesburg, MS reported 1,062 mortgage applications totaling $207.6 million, up 49% from 2015. The average application was for $195,519, and applicants reported an average income of $116,145. 73% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Jackson, MS (291), Gulfport-Biloxi-Pascagoula, MS (270) and Hattiesburg, MS (180) (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 | 1,062 |
| Total Mortgage Loan Application Amount | $207,642,000 |
| Average Mortgage Loan Application Amount | $195,519 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $116,145 |
| Highest Applicant Income | $2,561,000 |
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First, A National Banking Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Rankin, Mississippi | 160 | $ 28,878,000 | $ 180,487 | $ 83,000 |
| Baldwin, Alabama | 134 | $ 37,263,000 | $ 278,082 | $ 141,000 |
| Harrison, Mississippi | 112 | $ 17,354,000 | $ 154,946 | $ 101,000 |
| Lamar, Mississippi | 102 | $ 22,831,000 | $ 223,833 | $ 131,000 |
| Madison, Mississippi | 85 | $ 19,995,000 | $ 235,235 | $ 104,000 |
| Jackson, Mississippi | 84 | $ 16,310,000 | $ 194,166 | $ 162,000 |
| Hancock, Mississippi | 74 | $ 10,249,000 | $ 138,500 | $ 96,000 |
| Forrest, Mississippi | 73 | $ 11,870,000 | $ 162,602 | $ 144,000 |
| Mobile, Alabama | 37 | $ 5,503,000 | $ 148,729 | $ 70,000 |
| Jones, Mississippi | 36 | $ 5,176,000 | $ 143,777 | $ 205,000 |
| Hinds, Mississippi | 31 | $ 5,396,000 | $ 174,064 | $ 87,000 |
| Pearl River, Mississippi | 22 | $ 2,825,000 | $ 128,409 | $ 85,000 |
| Warren, Mississippi | 15 | $ 2,684,000 | $ 178,933 | $ 73,000 |
| Simpson, Mississippi | 9 | $ 1,163,000 | $ 129,222 | $ 45,000 |
| Stone, Mississippi | 8 | $ 636,000 | $ 79,500 | $ 77,000 |
| Scott, Mississippi | 7 | $ 903,000 | $ 129,000 | $ 50,000 |
| East Baton Rouge, Louisiana | 5 | $ 1,190,000 | $ 238,000 | $ 222,000 |
| St. Tammany, Louisiana | 5 | $ 1,024,000 | $ 204,800 | $ 87,000 |
| Copiah, Mississippi | 5 | $ 580,000 | $ 116,000 | $ 51,000 |
| Lafayette, Mississippi | 5 | $ 713,000 | $ 142,600 | $ 177,000 |
| Perry, Mississippi | 5 | $ 738,000 | $ 147,600 | $ 153,000 |
| Jasper, Mississippi | 4 | $ 290,000 | $ 72,500 | $ 59,000 |
| Walton, Florida | 3 | $ 324,000 | $ 108,000 | $ 428,000 |
| Washington, Louisiana | 3 | $ 228,000 | $ 76,000 | $ 172,000 |
| Leake, Mississippi | 3 | $ 559,000 | $ 186,333 | $ 89,000 |
| Marion, Mississippi | 3 | $ 354,000 | $ 118,000 | $ 97,000 |
| Escambia, Alabama | 2 | $ 324,000 | $ 162,000 | $ 80,000 |
| Escambia, Florida | 2 | $ 229,000 | $ 114,500 | $ 94,000 |
| Orleans, Louisiana | 2 | $ 1,050,000 | $ 525,000 | $ 0 |
| George, Mississippi | 2 | $ 234,000 | $ 117,000 | $ 36,000 |
| Cullman, Alabama | 1 | $ 2,400,000 | $ 2,400,000 | $ 0 |
| Dale, Alabama | 1 | $ 210,000 | $ 210,000 | $ 97,000 |
| Pike, Alabama | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Manatee, Florida | 1 | $ 104,000 | $ 104,000 | $ 99,000 |
| Okaloosa, Florida | 1 | $ 166,000 | $ 166,000 | $ 42,000 |
| Santa Rosa, Florida | 1 | $ 224,000 | $ 224,000 | $ 96,000 |
| Camden, Georgia | 1 | $ 1,535,000 | $ 1,535,000 | $ 0 |
| Liberty, Georgia | 1 | $ 1,828,000 | $ 1,828,000 | $ 0 |
| Attala, Mississippi | 1 | $ 132,000 | $ 132,000 | $ 37,000 |
| Choctaw, Mississippi | 1 | $ 93,000 | $ 93,000 | $ 44,000 |
| Clarke, Mississippi | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Covington, Mississippi | 1 | $ 1,152,000 | $ 1,152,000 | $ 332,000 |
| DeSoto, Mississippi | 1 | $ 103,000 | $ 103,000 | $ 32,000 |
| Montgomery, Mississippi | 1 | $ 131,000 | $ 131,000 | $ 97,000 |
| Neshoba, Mississippi | 1 | $ 123,000 | $ 123,000 | $ 75,000 |
| Oktibbeha, Mississippi | 1 | $ 770,000 | $ 770,000 | $ 461,000 |
| Union, Mississippi | 1 | $ 142,000 | $ 142,000 | $ 65,000 |
| Walthall, Mississippi | 1 | $ 684,000 | $ 684,000 | $ 760,000 |
| Washington, Mississippi | 1 | $ 16,000 | $ 16,000 | $ 134,000 |
| Wayne, Mississippi | 1 | $ 26,000 | $ 26,000 | $ 46,000 |
| Yazoo, Mississippi | 1 | $ 157,000 | $ 157,000 | $ 49,000 |
| Stone, Missouri | 1 | $ 274,000 | $ 274,000 | $ 221,000 |
| Clark, Nevada | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 345,000 | $ 345,000 | $ 505,000 |
Mortgage Loan Application Detail Totals for The First, A National Banking Association in 2016
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 | 601 | $124,885,000 | $207,000 | $2,400,000 | $105,000 | $2,561,000 |
| Refinancing | 439 | $81,220,000 | $185,000 | $2,306,000 | $126,000 | $1,245,000 |
| Home Improvement | 22 | $1,537,000 | $69,000 | $675,000 | $224,000 | $897,000 |
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 | 867 | $160,314,000 | $184,000 | $1,232,000 | $127,000 | $2,561,000 |
| Black or African American | 78 | $11,552,000 | $148,000 | $450,000 | $68,000 | $255,000 |
| Not applicable | 76 | $26,394,000 | $347,000 | $2,400,000 | $0 | $33,000 |
| Asian | 14 | $2,806,000 | $200,000 | $414,000 | $244,000 | $954,000 |
| Not Provided | 12 | $2,851,000 | $237,000 | $786,000 | $124,000 | $661,000 |
| Hispanic | 10 | $2,427,000 | $242,000 | $575,000 | $118,000 | $387,000 |
| American Indian or Alaskan Native | 4 | $948,000 | $237,000 | $371,000 | $95,000 | $123,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $350,000 | $350,000 | $350,000 | $1,245,000 | $1,245,000 |
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) | 807 | $165,260,000 | $204,000 | $2,400,000 | $134,000 | $2,561,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 113 | $16,188,000 | $143,000 | $331,000 | $49,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 87 | $18,075,000 | $207,000 | $513,000 | $72,000 | $215,000 |
| FHA-insured (Federal Housing Administration) | 55 | $8,119,000 | $147,000 | $283,000 | $55,000 | $221,000 |
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 | 773 | $157,235,000 | $203,000 | $2,400,000 | $127,000 | $2,561,000 |
| Application Denied By Financial Institution | 120 | $18,736,000 | $156,000 | $700,000 | $64,000 | $347,000 |
| Application Withdrawn By Applicant | 115 | $20,748,000 | $180,000 | $750,000 | $99,000 | $897,000 |
| File Closed For Incompleteness | 49 | $9,808,000 | $200,000 | $785,000 | $117,000 | $774,000 |
| Application Approved But Not Accepted | 5 | $1,115,000 | $223,000 | $272,000 | $86,000 | $150,000 |
| 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 | 45 | $7,984,000 | $177,000 | $445,000 | $56,000 | $335,000 |
| Credit History | 42 | $5,871,000 | $139,000 | $700,000 | $69,000 | $347,000 |
| Collateral | 13 | $1,716,000 | $132,000 | $312,000 | $76,000 | $166,000 |
| Other | 12 | $2,188,000 | $182,000 | $510,000 | $68,000 | $180,000 |
| Employment History | 3 | $342,000 | $114,000 | $146,000 | $73,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $284,000 | $94,000 | $123,000 | $39,000 | $59,000 |
| Unverifiable Information | 2 | $351,000 | $175,000 | $189,000 | $75,000 | $120,000 |
| 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 2016 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.
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