The First, A National Banking Association Mortgage Lending & HMDA Data, 2020
In 2020, The First, A National Banking Association of Hattiesburg, MS reported 2,606 mortgage applications totaling $681.1 million, up 28% from 2019. The average application was for $261,339, and applicants reported an average income of $153,683. 75% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Jackson, MS (347), Hattiesburg, MS (304) and Gulfport-Biloxi-Pascagoula, MS (255) (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 | 2,606 |
| Total Mortgage Loan Application Amount | $681,050,000 |
| Average Mortgage Loan Application Amount | $261,339 |
| Highest Mortgage Loan Application Amount | $9,155,000 |
| Average Applicant Income | $153,683 |
| Highest Applicant Income | $6,310,000 |
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First, A National Banking Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 166 | $ 31,930,000 | $ 192,349 | $ 118,000 |
| Baldwin, Alabama | 158 | $ 54,410,000 | $ 344,367 | $ 172,000 |
| Lamar, Mississippi | 150 | $ 45,950,000 | $ 306,333 | $ 164,000 |
| Forrest, Mississippi | 143 | $ 32,725,000 | $ 228,846 | $ 197,000 |
| Tangipahoa, Louisiana | 139 | $ 27,115,000 | $ 195,071 | $ 96,000 |
| Leon, Florida | 137 | $ 29,835,000 | $ 217,773 | $ 149,000 |
| Rankin, Mississippi | 128 | $ 25,530,000 | $ 199,453 | $ 81,000 |
| Madison, Mississippi | 126 | $ 32,880,000 | $ 260,952 | $ 122,000 |
| Harrison, Mississippi | 124 | $ 33,330,000 | $ 268,790 | $ 171,000 |
| St. Tammany, Louisiana | 97 | $ 27,105,000 | $ 279,432 | $ 148,000 |
| Colquitt, Georgia | 95 | $ 15,705,000 | $ 165,315 | $ 135,000 |
| Lowndes, Georgia | 91 | $ 27,615,000 | $ 303,461 | $ 237,000 |
| Hinds, Mississippi | 77 | $ 9,525,000 | $ 123,701 | $ 54,000 |
| East Baton Rouge, Louisiana | 70 | $ 23,260,000 | $ 332,285 | $ 168,000 |
| Jackson, Mississippi | 66 | $ 12,860,000 | $ 194,848 | $ 153,000 |
| Thomas, Georgia | 61 | $ 10,235,000 | $ 167,786 | $ 104,000 |
| Jones, Mississippi | 56 | $ 11,090,000 | $ 198,035 | $ 125,000 |
| Orleans, Louisiana | 55 | $ 25,655,000 | $ 466,454 | $ 255,000 |
| Hancock, Mississippi | 55 | $ 10,755,000 | $ 195,545 | $ 171,000 |
| Okaloosa, Florida | 54 | $ 18,050,000 | $ 334,259 | $ 212,000 |
| Escambia, Florida | 53 | $ 17,805,000 | $ 335,943 | $ 181,000 |
| Jefferson, Louisiana | 53 | $ 20,085,000 | $ 378,962 | $ 136,000 |
| Walton, Florida | 42 | $ 22,870,000 | $ 544,523 | $ 539,000 |
| Santa Rosa, Florida | 27 | $ 8,255,000 | $ 305,740 | $ 104,000 |
| Jefferson, Florida | 25 | $ 5,105,000 | $ 204,200 | $ 88,000 |
| Bay, Florida | 24 | $ 7,200,000 | $ 300,000 | $ 198,000 |
| Livingston, Louisiana | 22 | $ 5,210,000 | $ 236,818 | $ 106,000 |
| Wakulla, Florida | 16 | $ 3,410,000 | $ 213,125 | $ 191,000 |
| Iberville, Louisiana | 16 | $ 3,000,000 | $ 187,500 | $ 108,000 |
| Washington, Alabama | 15 | $ 1,875,000 | $ 125,000 | $ 172,000 |
| Ascension, Louisiana | 14 | $ 2,820,000 | $ 201,428 | $ 102,000 |
| Gadsden, Florida | 10 | $ 3,310,000 | $ 331,000 | $ 88,000 |
| Stone, Mississippi | 10 | $ 1,530,000 | $ 153,000 | $ 191,000 |
| Brooks, Georgia | 9 | $ 2,355,000 | $ 261,666 | $ 331,000 |
| Pearl River, Mississippi | 9 | $ 1,565,000 | $ 173,888 | $ 76,000 |
| Assumption, Louisiana | 8 | $ 1,830,000 | $ 228,750 | $ 132,000 |
| Worth, Georgia | 7 | $ 395,000 | $ 56,428 | $ 83,000 |
| West Baton Rouge, Louisiana | 7 | $ 805,000 | $ 115,000 | $ 104,000 |
| Perry, Mississippi | 7 | $ 955,000 | $ 136,428 | $ 79,000 |
| Scott, Mississippi | 7 | $ 385,000 | $ 55,000 | $ 42,000 |
| Simpson, Mississippi | 7 | $ 1,505,000 | $ 215,000 | $ 102,000 |
| Tift, Georgia | 6 | $ 4,760,000 | $ 793,333 | $ 454,000 |
| Copiah, Mississippi | 6 | $ 570,000 | $ 95,000 | $ 38,000 |
| Lafayette, Mississippi | 6 | $ 760,000 | $ 126,666 | $ 332,000 |
| Grady, Georgia | 5 | $ 815,000 | $ 163,000 | $ 65,000 |
| Leake, Mississippi | 5 | $ 815,000 | $ 163,000 | $ 53,000 |
| Wayne, Mississippi | 5 | $ 465,000 | $ 93,000 | $ 68,000 |
| Franklin, Florida | 4 | $ 990,000 | $ 247,500 | $ 185,000 |
| Lanier, Georgia | 4 | $ 480,000 | $ 120,000 | $ 140,000 |
| Washington, Louisiana | 4 | $ 970,000 | $ 242,500 | $ 152,000 |
| Covington, Mississippi | 4 | $ 490,000 | $ 122,500 | $ 40,000 |
| Smith, Mississippi | 4 | $ 490,000 | $ 122,500 | $ 73,000 |
| Duval, Florida | 3 | $ 1,415,000 | $ 471,666 | $ 200,000 |
| Cook, Georgia | 3 | $ 145,000 | $ 48,333 | $ 107,000 |
| Randolph, Georgia | 3 | $ 10,575,000 | $ 3,525,000 | $ 0 |
| St. Charles, Louisiana | 3 | $ 1,105,000 | $ 368,333 | $ 286,000 |
| St. Helena, Louisiana | 3 | $ 685,000 | $ 228,333 | $ 129,000 |
| George, Mississippi | 3 | $ 565,000 | $ 188,333 | $ 76,000 |
| Jasper, Mississippi | 3 | $ 525,000 | $ 175,000 | $ 152,000 |
| Jefferson Davis, Mississippi | 3 | $ 335,000 | $ 111,666 | $ 51,000 |
| Lauderdale, Mississippi | 3 | $ 335,000 | $ 111,666 | $ 61,000 |
| Marion, Mississippi | 3 | $ 125,000 | $ 41,666 | $ 25,000 |
| Warren, Mississippi | 3 | $ 375,000 | $ 125,000 | $ 105,000 |
| Yazoo, Mississippi | 3 | $ 425,000 | $ 141,666 | $ 36,000 |
| Broward, Florida | 2 | $ 1,260,000 | $ 630,000 | $ 735,000 |
| Jackson, Florida | 2 | $ 420,000 | $ 210,000 | $ 100,000 |
| Lafayette, Florida | 2 | $ 310,000 | $ 155,000 | $ 399,000 |
| Pinellas, Florida | 2 | $ 1,310,000 | $ 655,000 | $ 489,000 |
| St. Johns, Florida | 2 | $ 3,590,000 | $ 1,795,000 | $ 1,096,000 |
| Baker, Georgia | 2 | $ 80,000 | $ 40,000 | $ 23,000 |
| Berrien, Georgia | 2 | $ 170,000 | $ 85,000 | $ 46,000 |
| Camden, Georgia | 2 | $ 240,000 | $ 120,000 | $ 305,000 |
| Cobb, Georgia | 2 | $ 900,000 | $ 450,000 | $ 124,000 |
| Mitchell, Georgia | 2 | $ 80,000 | $ 40,000 | $ 157,000 |
| St. Bernard, Louisiana | 2 | $ 900,000 | $ 450,000 | $ 78,000 |
| St. Landry, Louisiana | 2 | $ 260,000 | $ 130,000 | $ 69,000 |
| Coahoma, Mississippi | 2 | $ 70,000 | $ 35,000 | $ 36,000 |
| Lincoln, Mississippi | 2 | $ 360,000 | $ 180,000 | $ 42,000 |
| Lowndes, Mississippi | 2 | $ 710,000 | $ 355,000 | $ 118,000 |
| Neshoba, Mississippi | 2 | $ 130,000 | $ 65,000 | $ 25,000 |
| Oktibbeha, Mississippi | 2 | $ 2,280,000 | $ 1,140,000 | $ 589,000 |
| Knox, Tennessee | 2 | $ 650,000 | $ 325,000 | $ 504,000 |
| Choctaw, Alabama | 1 | $ 25,000 | $ 25,000 | $ 26,000 |
| Clarke, Alabama | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Conecuh, Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Escambia, Alabama | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Henry, Alabama | 1 | $ 345,000 | $ 345,000 | $ 116,000 |
| Lee, Alabama | 1 | $ 1,215,000 | $ 1,215,000 | $ 0 |
| Shelby, Alabama | 1 | $ 235,000 | $ 235,000 | $ 42,000 |
| St. Clair, Alabama | 1 | $ 215,000 | $ 215,000 | $ 107,000 |
| Tallapoosa, Alabama | 1 | $ 1,845,000 | $ 1,845,000 | $ 318,000 |
| Summit, Colorado | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Alachua, Florida | 1 | $ 125,000 | $ 125,000 | $ 142,000 |
| Holmes, Florida | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Lake, Florida | 1 | $ 275,000 | $ 275,000 | $ 127,000 |
| Madison, Florida | 1 | $ 1,115,000 | $ 1,115,000 | $ 1,295,000 |
| Orange, Florida | 1 | $ 355,000 | $ 355,000 | $ 66,000 |
| Pasco, Florida | 1 | $ 265,000 | $ 265,000 | $ 60,000 |
| Taylor, Florida | 1 | $ 145,000 | $ 145,000 | $ 238,000 |
| Volusia, Florida | 1 | $ 195,000 | $ 195,000 | $ 98,000 |
| Washington, Florida | 1 | $ 245,000 | $ 245,000 | $ 184,000 |
| Clarke, Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Dodge, Georgia | 1 | $ 95,000 | $ 95,000 | $ 122,000 |
| Fannin, Georgia | 1 | $ 405,000 | $ 405,000 | $ 155,000 |
| Fulton, Georgia | 1 | $ 655,000 | $ 655,000 | $ 284,000 |
| Harris, Georgia | 1 | $ 505,000 | $ 505,000 | $ 1,683,000 |
| Houston, Georgia | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| Putnam, Georgia | 1 | $ 335,000 | $ 335,000 | $ 213,000 |
| Telfair, Georgia | 1 | $ 1,535,000 | $ 1,535,000 | $ 0 |
| Towns, Georgia | 1 | $ 265,000 | $ 265,000 | $ 135,000 |
| Troup, Georgia | 1 | $ 6,505,000 | $ 6,505,000 | $ 0 |
| Avoyelles, Louisiana | 1 | $ 335,000 | $ 335,000 | $ 124,000 |
| Concordia, Louisiana | 1 | $ 265,000 | $ 265,000 | $ 374,000 |
| Lafayette, Louisiana | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Lafourche, Louisiana | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| West Feliciana, Louisiana | 1 | $ 675,000 | $ 675,000 | $ 313,000 |
| Alcorn, Mississippi | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
| Attala, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Carroll, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Greene, Mississippi | 1 | $ 125,000 | $ 125,000 | $ 61,000 |
| Humphreys, Mississippi | 1 | $ 85,000 | $ 85,000 | $ 115,000 |
| Newton, Mississippi | 1 | $ 115,000 | $ 115,000 | $ 28,000 |
| Pike, Mississippi | 1 | $ 155,000 | $ 155,000 | $ 35,000 |
| Walthall, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 83,000 |
| Washington, Mississippi | 1 | $ 5,000 | $ 5,000 | $ 12,000 |
| Charleston, South Carolina | 1 | $ 535,000 | $ 535,000 | $ 263,000 |
| Shelby, Tennessee | 1 | $ 295,000 | $ 295,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for The First, A National Banking Association in 2020
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 | 1,172 | $308,290,000 | $263,000 | $8,375,000 | $166,000 | $6,310,000 |
| Home Purchase | 1,128 | $299,410,000 | $265,000 | $9,155,000 | $150,000 | $3,211,000 |
| Cash-out Refinancing | 234 | $51,510,000 | $220,000 | $515,000 | $110,000 | $796,000 |
| Other Purpose | 49 | $8,795,000 | $179,000 | $595,000 | $165,000 | $1,203,000 |
| Home Improvement | 23 | $13,045,000 | $567,000 | $6,505,000 | $127,000 | $265,000 |
| 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 | 1,852 | $454,730,000 | $245,000 | $2,515,000 | $159,000 | $6,310,000 |
| Not applicable | 316 | $120,780,000 | $382,000 | $9,155,000 | $0 | $0 |
| Black or African American | 217 | $34,615,000 | $159,000 | $1,305,000 | $77,000 | $528,000 |
| Not Provided | 129 | $51,855,000 | $401,000 | $3,325,000 | $219,000 | $3,211,000 |
| Hispanic | 44 | $6,800,000 | $154,000 | $695,000 | $82,000 | $408,000 |
| Asian | 40 | $9,090,000 | $227,000 | $495,000 | $154,000 | $998,000 |
| American Indian or Alaskan Native | 6 | $2,490,000 | $415,000 | $1,205,000 | $187,000 | $439,000 |
| 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) | 2,317 | $623,785,000 | $269,000 | $9,155,000 | $165,000 | $6,310,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 141 | $24,675,000 | $175,000 | $405,000 | $54,000 | $107,000 |
| FHA-insured (Federal Housing Administration) | 80 | $12,700,000 | $158,000 | $365,000 | $63,000 | $208,000 |
| VA-guaranteed (Veterans Administration) | 68 | $19,890,000 | $292,000 | $735,000 | $108,000 | $402,000 |
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 | 1,963 | $536,905,000 | $273,000 | $9,155,000 | $164,000 | $6,310,000 |
| Application Withdrawn By Applicant | 424 | $103,240,000 | $243,000 | $2,505,000 | $146,000 | $3,211,000 |
| Application Denied By Financial Institution | 210 | $39,610,000 | $188,000 | $1,765,000 | $88,000 | $1,125,000 |
| File Closed For Incompleteness | 7 | $1,065,000 | $152,000 | $245,000 | $160,000 | $360,000 |
| Application Approved But Not Accepted | 2 | $230,000 | $115,000 | $195,000 | $65,000 | $98,000 |
| 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 | 2,396 | $641,440,000 | $267,000 | $9,155,000 | $160,000 | $6,310,000 |
| Debt-To-Income Ratio | 72 | $12,570,000 | $174,000 | $515,000 | $59,000 | $228,000 |
| Credit History | 60 | $10,230,000 | $170,000 | $1,055,000 | $102,000 | $1,125,000 |
| Collateral | 31 | $8,005,000 | $258,000 | $1,765,000 | $114,000 | $348,000 |
| Other | 18 | $2,570,000 | $142,000 | $815,000 | $73,000 | $220,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $3,180,000 | $227,000 | $475,000 | $96,000 | $350,000 |
| Employment History | 9 | $1,065,000 | $118,000 | $175,000 | $48,000 | $115,000 |
| Unverifiable Information | 5 | $1,495,000 | $299,000 | $515,000 | $98,000 | $228,000 |
| Credit Application Incomplete | 1 | $495,000 | $495,000 | $495,000 | $998,000 | $998,000 |
| 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 2020 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About