The First, A National Banking Association Mortgage Lending & HMDA Data, 2018
In 2018, The First, A National Banking Association of Hattiesburg, MS reported 1,434 mortgage applications totaling $268.0 million, up 17% from 2017. The average application was for $186,875, and applicants reported an average income of $122,148. 71% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Gulfport-Biloxi-Pascagoula, MS (344), Hattiesburg, MS (197) and Jackson, MS (150) (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 | 1,434 |
| Total Mortgage Loan Application Amount | $267,980,000 |
| Average Mortgage Loan Application Amount | $186,875 |
| Highest Mortgage Loan Application Amount | $3,805,000 |
| Average Applicant Income | $122,148 |
| Highest Applicant Income | $1,368,000 |
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First, A National Banking Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Mobile, Alabama | 134 | $ 21,930,000 | $ 163,656 | $ 88,000 |
| Jackson, Mississippi | 134 | $ 20,980,000 | $ 156,567 | $ 89,000 |
| Harrison, Mississippi | 129 | $ 17,315,000 | $ 134,224 | $ 85,000 |
| Baldwin, Alabama | 114 | $ 29,080,000 | $ 255,087 | $ 133,000 |
| Forrest, Mississippi | 101 | $ 22,155,000 | $ 219,356 | $ 220,000 |
| Lamar, Mississippi | 91 | $ 19,805,000 | $ 217,637 | $ 190,000 |
| Leon, Florida | 88 | $ 21,150,000 | $ 240,340 | $ 156,000 |
| Hancock, Mississippi | 81 | $ 13,555,000 | $ 167,345 | $ 123,000 |
| Rankin, Mississippi | 78 | $ 14,950,000 | $ 191,666 | $ 73,000 |
| Jones, Mississippi | 43 | $ 7,155,000 | $ 166,395 | $ 145,000 |
| Madison, Mississippi | 39 | $ 9,665,000 | $ 247,820 | $ 163,000 |
| Escambia, Florida | 38 | $ 7,750,000 | $ 203,947 | $ 115,000 |
| Pearl River, Mississippi | 35 | $ 5,065,000 | $ 144,714 | $ 94,000 |
| Thomas, Georgia | 33 | $ 3,825,000 | $ 115,909 | $ 76,000 |
| Santa Rosa, Florida | 29 | $ 6,345,000 | $ 218,793 | $ 97,000 |
| Hinds, Mississippi | 29 | $ 4,735,000 | $ 163,275 | $ 81,000 |
| East Baton Rouge, Louisiana | 24 | $ 4,240,000 | $ 176,666 | $ 154,000 |
| Stone, Mississippi | 21 | $ 2,765,000 | $ 131,666 | $ 53,000 |
| Ascension, Louisiana | 20 | $ 3,860,000 | $ 193,000 | $ 91,000 |
| Livingston, Louisiana | 15 | $ 3,225,000 | $ 215,000 | $ 69,000 |
| Jefferson, Florida | 14 | $ 1,660,000 | $ 118,571 | $ 82,000 |
| Iberville, Louisiana | 14 | $ 1,280,000 | $ 91,428 | $ 68,000 |
| Wakulla, Florida | 10 | $ 2,010,000 | $ 201,000 | $ 112,000 |
| Washington, Alabama | 7 | $ 765,000 | $ 109,285 | $ 76,000 |
| Assumption, Louisiana | 7 | $ 815,000 | $ 116,428 | $ 106,000 |
| St. Tammany, Louisiana | 7 | $ 1,655,000 | $ 236,428 | $ 107,000 |
| West Baton Rouge, Louisiana | 5 | $ 765,000 | $ 153,000 | $ 119,000 |
| Perry, Mississippi | 5 | $ 475,000 | $ 95,000 | $ 65,000 |
| Lafayette, Louisiana | 4 | $ 980,000 | $ 245,000 | $ 142,000 |
| George, Mississippi | 4 | $ 370,000 | $ 92,500 | $ 82,000 |
| Warren, Mississippi | 4 | $ 930,000 | $ 232,500 | $ 96,000 |
| Gadsden, Florida | 3 | $ 575,000 | $ 191,666 | $ 68,000 |
| Caddo, Louisiana | 3 | $ 475,000 | $ 158,333 | $ 82,000 |
| West Feliciana, Louisiana | 3 | $ 575,000 | $ 191,666 | $ 192,000 |
| Covington, Mississippi | 3 | $ 325,000 | $ 108,333 | $ 66,000 |
| Jasper, Mississippi | 3 | $ 285,000 | $ 95,000 | $ 78,000 |
| Newton, Mississippi | 3 | $ 335,000 | $ 111,666 | $ 53,000 |
| Simpson, Mississippi | 3 | $ 475,000 | $ 158,333 | $ 78,000 |
| Escambia, Alabama | 2 | $ 180,000 | $ 90,000 | $ 240,000 |
| Tuscaloosa, Alabama | 2 | $ 450,000 | $ 225,000 | $ 436,000 |
| Franklin, Florida | 2 | $ 230,000 | $ 115,000 | $ 112,000 |
| Hillsborough, Florida | 2 | $ 490,000 | $ 245,000 | $ 240,000 |
| Madison, Florida | 2 | $ 340,000 | $ 170,000 | $ 102,000 |
| Grady, Georgia | 2 | $ 380,000 | $ 190,000 | $ 155,000 |
| Jefferson, Louisiana | 2 | $ 540,000 | $ 270,000 | $ 53,000 |
| Orleans, Louisiana | 2 | $ 960,000 | $ 480,000 | $ 0 |
| Washington, Louisiana | 2 | $ 380,000 | $ 190,000 | $ 69,000 |
| Lee, Mississippi | 2 | $ 320,000 | $ 160,000 | $ 130,000 |
| Scott, Mississippi | 2 | $ 310,000 | $ 155,000 | $ 67,000 |
| Choctaw, Alabama | 1 | $ 35,000 | $ 35,000 | $ 99,000 |
| Clarke, Alabama | 1 | $ 75,000 | $ 75,000 | $ 351,000 |
| Jefferson, Alabama | 1 | $ 805,000 | $ 805,000 | $ 529,000 |
| Lee, Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Monroe, Alabama | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Pike, Alabama | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| Shelby, Alabama | 1 | $ 255,000 | $ 255,000 | $ 88,000 |
| Tallapoosa, Alabama | 1 | $ 1,005,000 | $ 1,005,000 | $ 357,000 |
| Clay, Florida | 1 | $ 375,000 | $ 375,000 | $ 172,000 |
| Columbia, Florida | 1 | $ 305,000 | $ 305,000 | $ 75,000 |
| Dixie, Florida | 1 | $ 95,000 | $ 95,000 | $ 125,000 |
| Pasco, Florida | 1 | $ 365,000 | $ 365,000 | $ 220,000 |
| Walton, Florida | 1 | $ 1,805,000 | $ 1,805,000 | $ 568,000 |
| Colquitt, Georgia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Decatur, Georgia | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Pointe Coupee, Louisiana | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Tangipahoa, Louisiana | 1 | $ 425,000 | $ 425,000 | $ 154,000 |
| Wayne, Michigan | 1 | $ 205,000 | $ 205,000 | $ 54,000 |
| Clarke, Mississippi | 1 | $ 15,000 | $ 15,000 | $ 17,000 |
| Lafayette, Mississippi | 1 | $ 195,000 | $ 195,000 | $ 74,000 |
| Marion, Mississippi | 1 | $ 255,000 | $ 255,000 | $ 47,000 |
| Oktibbeha, Mississippi | 1 | $ 175,000 | $ 175,000 | $ 250,000 |
| Pike, Mississippi | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Tate, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 46,000 |
| Wayne, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 23,000 |
| Yalobusha, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 94,000 |
| Yazoo, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for The First, A National Banking Association in 2018
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 | 927 | $185,645,000 | $200,000 | $3,805,000 | $112,000 | $1,367,000 |
| Refinancing | 371 | $63,145,000 | $170,000 | $1,375,000 | $157,000 | $1,368,000 |
| Cash-out Refinancing | 123 | $17,645,000 | $143,000 | $645,000 | $94,000 | $1,178,000 |
| Home Improvement | 8 | $910,000 | $113,000 | $385,000 | $101,000 | $242,000 |
| Other Purpose | 5 | $635,000 | $127,000 | $255,000 | $144,000 | $235,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,056 | $202,000,000 | $191,000 | $1,805,000 | $123,000 | $1,368,000 |
| Not applicable | 175 | $33,675,000 | $192,000 | $3,805,000 | $0 | $0 |
| Black or African American | 102 | $15,740,000 | $154,000 | $625,000 | $85,000 | $561,000 |
| Asian | 39 | $6,185,000 | $158,000 | $595,000 | $166,000 | $594,000 |
| Hispanic | 29 | $5,575,000 | $192,000 | $935,000 | $127,000 | $878,000 |
| Not Provided | 25 | $3,925,000 | $157,000 | $365,000 | $101,000 | $258,000 |
| American Indian or Alaskan Native | 7 | $815,000 | $116,000 | $145,000 | $48,000 | $75,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $263,000 | $263,000 |
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) | 1,143 | $220,885,000 | $193,000 | $3,805,000 | $138,000 | $1,368,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 150 | $20,690,000 | $137,000 | $255,000 | $50,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 72 | $16,150,000 | $224,000 | $645,000 | $95,000 | $502,000 |
| FHA-insured (Federal Housing Administration) | 69 | $10,255,000 | $148,000 | $295,000 | $57,000 | $219,000 |
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 | 1,014 | $195,250,000 | $192,000 | $3,805,000 | $136,000 | $1,368,000 |
| Application Withdrawn By Applicant | 248 | $45,200,000 | $182,000 | $625,000 | $101,000 | $695,000 |
| Application Denied By Financial Institution | 150 | $24,250,000 | $161,000 | $605,000 | $68,000 | $293,000 |
| File Closed For Incompleteness | 12 | $2,320,000 | $193,000 | $765,000 | $104,000 | $432,000 |
| Application Approved But Not Accepted | 10 | $960,000 | $96,000 | $215,000 | $71,000 | $132,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,284 | $243,730,000 | $189,000 | $3,805,000 | $128,000 | $1,368,000 |
| Debt-To-Income Ratio | 58 | $10,010,000 | $172,000 | $605,000 | $56,000 | $263,000 |
| Credit History | 48 | $6,920,000 | $144,000 | $355,000 | $79,000 | $258,000 |
| Collateral | 19 | $2,815,000 | $148,000 | $455,000 | $69,000 | $293,000 |
| Mortgage Insurance Denied | 9 | $1,705,000 | $189,000 | $275,000 | $75,000 | $113,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,095,000 | $156,000 | $295,000 | $63,000 | $140,000 |
| Other | 6 | $1,280,000 | $213,000 | $345,000 | $104,000 | $167,000 |
| Unverifiable Information | 2 | $270,000 | $135,000 | $165,000 | $49,000 | $54,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $39,000 | $39,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First, A National Banking Association's 2018 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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