The First, A National Banking Association Mortgage Lending & HMDA Data, 2019
In 2019, The First, A National Banking Association of Hattiesburg, MS reported 2,032 mortgage applications totaling $456.9 million, up 42% from 2018. The average application was for $224,842, and applicants reported an average income of $139,926. 74% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Gulfport-Biloxi-Pascagoula, MS (288), Hattiesburg, MS (241) and Crestview-Fort Walton Beach-Destin, FL (232) (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 | 2,032 |
| Total Mortgage Loan Application Amount | $456,880,000 |
| Average Mortgage Loan Application Amount | $224,842 |
| Highest Mortgage Loan Application Amount | $2,945,000 |
| Average Applicant Income | $139,926 |
| Highest Applicant Income | $4,648,000 |
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First, A National Banking Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 131 | $ 20,745,000 | $ 158,358 | $ 92,000 |
| Baldwin, Alabama | 125 | $ 31,255,000 | $ 250,040 | $ 152,000 |
| Forrest, Mississippi | 125 | $ 19,295,000 | $ 154,360 | $ 145,000 |
| Okaloosa, Florida | 120 | $ 41,780,000 | $ 348,166 | $ 157,000 |
| Jackson, Mississippi | 114 | $ 21,830,000 | $ 191,491 | $ 119,000 |
| Walton, Florida | 112 | $ 41,770,000 | $ 372,946 | $ 220,000 |
| Leon, Florida | 106 | $ 23,020,000 | $ 217,169 | $ 121,000 |
| Harrison, Mississippi | 101 | $ 18,925,000 | $ 187,376 | $ 122,000 |
| Rankin, Mississippi | 101 | $ 20,585,000 | $ 203,811 | $ 83,000 |
| Lamar, Mississippi | 99 | $ 23,755,000 | $ 239,949 | $ 151,000 |
| Tangipahoa, Louisiana | 86 | $ 10,770,000 | $ 125,232 | $ 87,000 |
| St. Tammany, Louisiana | 77 | $ 21,125,000 | $ 274,350 | $ 173,000 |
| Bay, Florida | 68 | $ 19,850,000 | $ 291,911 | $ 180,000 |
| Hancock, Mississippi | 58 | $ 10,170,000 | $ 175,344 | $ 157,000 |
| Madison, Mississippi | 56 | $ 14,590,000 | $ 260,535 | $ 105,000 |
| Hinds, Mississippi | 55 | $ 8,465,000 | $ 153,909 | $ 81,000 |
| Jones, Mississippi | 52 | $ 8,790,000 | $ 169,038 | $ 119,000 |
| Santa Rosa, Florida | 36 | $ 10,380,000 | $ 288,333 | $ 126,000 |
| Escambia, Florida | 34 | $ 7,300,000 | $ 214,705 | $ 188,000 |
| Orleans, Louisiana | 30 | $ 15,910,000 | $ 530,333 | $ 223,000 |
| East Baton Rouge, Louisiana | 28 | $ 8,420,000 | $ 300,714 | $ 182,000 |
| Thomas, Georgia | 25 | $ 3,515,000 | $ 140,600 | $ 121,000 |
| Pearl River, Mississippi | 25 | $ 4,225,000 | $ 169,000 | $ 114,000 |
| Livingston, Louisiana | 23 | $ 3,975,000 | $ 172,826 | $ 80,000 |
| Jefferson, Louisiana | 20 | $ 6,050,000 | $ 302,500 | $ 156,000 |
| Washington, Alabama | 17 | $ 1,335,000 | $ 78,529 | $ 82,000 |
| Ascension, Louisiana | 17 | $ 4,305,000 | $ 253,235 | $ 124,000 |
| Stone, Mississippi | 15 | $ 1,165,000 | $ 77,666 | $ 54,000 |
| Jefferson, Florida | 13 | $ 2,415,000 | $ 185,769 | $ 135,000 |
| Gadsden, Florida | 12 | $ 1,880,000 | $ 156,666 | $ 77,000 |
| Iberville, Louisiana | 12 | $ 2,020,000 | $ 168,333 | $ 432,000 |
| Perry, Mississippi | 9 | $ 995,000 | $ 110,555 | $ 70,000 |
| Wakulla, Florida | 8 | $ 1,840,000 | $ 230,000 | $ 84,000 |
| Grady, Georgia | 8 | $ 1,450,000 | $ 181,250 | $ 82,000 |
| Covington, Mississippi | 8 | $ 1,270,000 | $ 158,750 | $ 134,000 |
| Washington, Louisiana | 6 | $ 1,270,000 | $ 211,666 | $ 170,000 |
| George, Mississippi | 6 | $ 730,000 | $ 121,666 | $ 58,000 |
| Scott, Mississippi | 6 | $ 380,000 | $ 63,333 | $ 28,000 |
| Warren, Mississippi | 6 | $ 1,350,000 | $ 225,000 | $ 101,000 |
| West Baton Rouge, Louisiana | 5 | $ 645,000 | $ 129,000 | $ 81,000 |
| Jackson, Florida | 4 | $ 670,000 | $ 167,500 | $ 42,000 |
| Assumption, Louisiana | 4 | $ 410,000 | $ 102,500 | $ 48,000 |
| Lafayette, Louisiana | 4 | $ 1,360,000 | $ 340,000 | $ 227,000 |
| Oktibbeha, Mississippi | 4 | $ 660,000 | $ 165,000 | $ 224,000 |
| Washington, Florida | 3 | $ 835,000 | $ 278,333 | $ 150,000 |
| Marion, Mississippi | 3 | $ 535,000 | $ 178,333 | $ 113,000 |
| Panola, Mississippi | 3 | $ 265,000 | $ 88,333 | $ 45,000 |
| Lowndes, Georgia | 2 | $ 290,000 | $ 145,000 | $ 134,000 |
| St. Bernard, Louisiana | 2 | $ 270,000 | $ 135,000 | $ 56,000 |
| St. Charles, Louisiana | 2 | $ 610,000 | $ 305,000 | $ 101,000 |
| St. Helena, Louisiana | 2 | $ 220,000 | $ 110,000 | $ 63,000 |
| DeSoto, Mississippi | 2 | $ 350,000 | $ 175,000 | $ 82,000 |
| Jasper, Mississippi | 2 | $ 290,000 | $ 145,000 | $ 98,000 |
| Jefferson Davis, Mississippi | 2 | $ 330,000 | $ 165,000 | $ 71,000 |
| Lafayette, Mississippi | 2 | $ 210,000 | $ 105,000 | $ 327,000 |
| Leake, Mississippi | 2 | $ 250,000 | $ 125,000 | $ 35,000 |
| Simpson, Mississippi | 2 | $ 100,000 | $ 50,000 | $ 19,000 |
| Smith, Mississippi | 2 | $ 400,000 | $ 200,000 | $ 66,000 |
| Butler, Alabama | 1 | $ 245,000 | $ 245,000 | $ 500,000 |
| Dale, Alabama | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Houston, Alabama | 1 | $ 2,405,000 | $ 2,405,000 | $ 0 |
| Jefferson, Alabama | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Lee, Alabama | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Madison, Alabama | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| Talladega, Alabama | 1 | $ 75,000 | $ 75,000 | $ 262,000 |
| Tallapoosa, Alabama | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Alachua, Florida | 1 | $ 195,000 | $ 195,000 | $ 467,000 |
| Clay, Florida | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Franklin, Florida | 1 | $ 115,000 | $ 115,000 | $ 89,000 |
| Holmes, Florida | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Madison, Florida | 1 | $ 185,000 | $ 185,000 | $ 140,000 |
| Nassau, Florida | 1 | $ 185,000 | $ 185,000 | $ 502,000 |
| Pinellas, Florida | 1 | $ 175,000 | $ 175,000 | $ 39,000 |
| Brooks, Georgia | 1 | $ 65,000 | $ 65,000 | $ 69,000 |
| Cherokee, Georgia | 1 | $ 215,000 | $ 215,000 | $ 82,000 |
| Cobb, Georgia | 1 | $ 395,000 | $ 395,000 | $ 352,000 |
| Fulton, Georgia | 1 | $ 2,235,000 | $ 2,235,000 | $ 4,648,000 |
| Tift, Georgia | 1 | $ 145,000 | $ 145,000 | $ 165,000 |
| Lafourche, Louisiana | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Pointe Coupee, Louisiana | 1 | $ 135,000 | $ 135,000 | $ 281,000 |
| St. Landry, Louisiana | 1 | $ 235,000 | $ 235,000 | $ 109,000 |
| Choctaw, Mississippi | 1 | $ 65,000 | $ 65,000 | $ 64,000 |
| Franklin, Mississippi | 1 | $ 145,000 | $ 145,000 | $ 82,000 |
| Humphreys, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Newton, Mississippi | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Pike, Mississippi | 1 | $ 155,000 | $ 155,000 | $ 31,000 |
| Yazoo, Mississippi | 1 | $ 265,000 | $ 265,000 | $ 162,000 |
| Davidson, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 0 |
Mortgage Loan Application Detail Totals for The First, A National Banking Association in 2019
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 | 1,249 | $288,195,000 | $230,000 | $2,405,000 | $125,000 | $4,296,000 |
| Refinancing | 548 | $128,540,000 | $234,000 | $2,945,000 | $185,000 | $4,648,000 |
| Cash-out Refinancing | 159 | $29,265,000 | $184,000 | $815,000 | $96,000 | $493,000 |
| Other Purpose | 55 | $7,885,000 | $143,000 | $485,000 | $156,000 | $1,728,000 |
| Home Improvement | 21 | $2,995,000 | $142,000 | $855,000 | $142,000 | $407,000 |
| 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 | 1,462 | $335,880,000 | $229,000 | $2,235,000 | $139,000 | $4,648,000 |
| Not applicable | 219 | $50,535,000 | $230,000 | $2,945,000 | $0 | $0 |
| Black or African American | 177 | $28,245,000 | $159,000 | $775,000 | $84,000 | $600,000 |
| Not Provided | 104 | $25,360,000 | $243,000 | $1,205,000 | $126,000 | $1,002,000 |
| Hispanic | 37 | $7,925,000 | $214,000 | $665,000 | $188,000 | $1,856,000 |
| Asian | 24 | $5,270,000 | $219,000 | $555,000 | $182,000 | $680,000 |
| American Indian or Alaskan Native | 6 | $2,590,000 | $431,000 | $1,755,000 | $835,000 | $4,296,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $365,000 | $365,000 | $365,000 | $123,000 | $123,000 |
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) | 1,596 | $359,540,000 | $225,000 | $2,945,000 | $155,000 | $4,648,000 |
| VA-guaranteed (Veterans Administration) | 176 | $54,540,000 | $309,000 | $805,000 | $111,000 | $338,000 |
| FHA-insured (Federal Housing Administration) | 134 | $23,320,000 | $174,000 | $365,000 | $66,000 | $238,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 126 | $19,480,000 | $154,000 | $335,000 | $55,000 | $101,000 |
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 | 1,497 | $348,865,000 | $233,000 | $2,945,000 | $147,000 | $4,648,000 |
| Application Withdrawn By Applicant | 310 | $67,790,000 | $218,000 | $1,755,000 | $135,000 | $4,296,000 |
| Application Denied By Financial Institution | 191 | $32,135,000 | $168,000 | $775,000 | $75,000 | $400,000 |
| File Closed For Incompleteness | 19 | $4,025,000 | $211,000 | $485,000 | $143,000 | $861,000 |
| Application Approved But Not Accepted | 15 | $4,065,000 | $271,000 | $655,000 | $132,000 | $305,000 |
| 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 | 1,841 | $424,745,000 | $230,000 | $2,945,000 | $145,000 | $4,648,000 |
| Credit History | 61 | $9,625,000 | $157,000 | $705,000 | $76,000 | $400,000 |
| Debt-To-Income Ratio | 58 | $10,110,000 | $174,000 | $485,000 | $56,000 | $150,000 |
| Collateral | 39 | $7,995,000 | $205,000 | $775,000 | $103,000 | $300,000 |
| Other | 16 | $1,940,000 | $121,000 | $305,000 | $73,000 | $246,000 |
| Unverifiable Information | 6 | $800,000 | $133,000 | $375,000 | $78,000 | $240,000 |
| Employment History | 5 | $765,000 | $153,000 | $225,000 | $76,000 | $178,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $565,000 | $188,000 | $245,000 | $49,000 | $65,000 |
| Credit Application Incomplete | 2 | $230,000 | $115,000 | $165,000 | $70,000 | $112,000 |
| Mortgage Insurance Denied | 1 | $105,000 | $105,000 | $105,000 | $63,000 | $63,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First, A National Banking Association's 2019 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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