The First, A National Banking Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
The First, A National Banking Association 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | $298,800 |
| Highest Mortgage Loan Application Amount | $9,155,000 |
| Average Applicant Income | $143,600 |
| Highest Applicant Income | $6,310,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with The First, A National Banking Association. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing The First, A National Banking Association's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down The First, A National Banking Association's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how The First, A National Banking Association serves its applicants.
Each category highlights the total number of mortgage applications processed by The First, A National Banking Association, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at The First, A National Banking Association's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Mobile County Alabama | 166 | $ 31,930,000 | $ 192,000 | $ 118,000 |
| Baldwin County Alabama | 158 | $ 54,410,000 | $ 344,000 | $ 172,000 |
| Lamar County Mississippi | 150 | $ 45,950,000 | $ 306,000 | $ 164,000 |
| Forrest County Mississippi | 143 | $ 32,725,000 | $ 228,000 | $ 197,000 |
| Tangipahoa County Louisiana | 139 | $ 27,115,000 | $ 195,000 | $ 96,000 |
| Leon County Florida | 137 | $ 29,835,000 | $ 217,000 | $ 149,000 |
| Rankin County Mississippi | 128 | $ 25,530,000 | $ 199,000 | $ 81,000 |
| Madison County Mississippi | 126 | $ 32,880,000 | $ 260,000 | $ 122,000 |
| Harrison County Mississippi | 124 | $ 33,330,000 | $ 268,000 | $ 171,000 |
| St. Tammany County Louisiana | 97 | $ 27,105,000 | $ 279,000 | $ 148,000 |
| Colquitt County Georgia | 95 | $ 15,705,000 | $ 165,000 | $ 135,000 |
| Lowndes County Georgia | 91 | $ 27,615,000 | $ 303,000 | $ 237,000 |
| Hinds County Mississippi | 77 | $ 9,525,000 | $ 123,000 | $ 54,000 |
| East Baton Rouge County Louisiana | 70 | $ 23,260,000 | $ 332,000 | $ 168,000 |
| Jackson County Mississippi | 66 | $ 12,860,000 | $ 194,000 | $ 153,000 |
| Thomas County Georgia | 61 | $ 10,235,000 | $ 167,000 | $ 104,000 |
| Jones County Mississippi | 56 | $ 11,090,000 | $ 198,000 | $ 125,000 |
| Orleans County Louisiana | 55 | $ 25,655,000 | $ 466,000 | $ 255,000 |
| Hancock County Mississippi | 55 | $ 10,755,000 | $ 195,000 | $ 171,000 |
| Okaloosa County Florida | 54 | $ 18,050,000 | $ 334,000 | $ 212,000 |
| Escambia County Florida | 53 | $ 17,805,000 | $ 335,000 | $ 181,000 |
| Jefferson County Louisiana | 53 | $ 20,085,000 | $ 378,000 | $ 136,000 |
| Walton County Florida | 42 | $ 22,870,000 | $ 544,000 | $ 539,000 |
| Santa Rosa County Florida | 27 | $ 8,255,000 | $ 305,000 | $ 104,000 |
| Jefferson County Florida | 25 | $ 5,105,000 | $ 204,000 | $ 88,000 |
| Bay County Florida | 24 | $ 7,200,000 | $ 300,000 | $ 198,000 |
| Livingston County Louisiana | 22 | $ 5,210,000 | $ 236,000 | $ 106,000 |
| Wakulla County Florida | 16 | $ 3,410,000 | $ 213,000 | $ 191,000 |
| Iberville County Louisiana | 16 | $ 3,000,000 | $ 187,000 | $ 108,000 |
| Washington County Alabama | 15 | $ 1,875,000 | $ 125,000 | $ 172,000 |
| Ascension County Louisiana | 14 | $ 2,820,000 | $ 201,000 | $ 102,000 |
| Gadsden County Florida | 10 | $ 3,310,000 | $ 331,000 | $ 88,000 |
| Stone County Mississippi | 10 | $ 1,530,000 | $ 153,000 | $ 191,000 |
| Brooks County Georgia | 9 | $ 2,355,000 | $ 261,000 | $ 331,000 |
| Pearl River County Mississippi | 9 | $ 1,565,000 | $ 173,000 | $ 76,000 |
| Assumption County Louisiana | 8 | $ 1,830,000 | $ 228,000 | $ 132,000 |
| Worth County Georgia | 7 | $ 395,000 | $ 56,000 | $ 83,000 |
| West Baton Rouge County Louisiana | 7 | $ 805,000 | $ 115,000 | $ 104,000 |
| Perry County Mississippi | 7 | $ 955,000 | $ 136,000 | $ 79,000 |
| Scott County Mississippi | 7 | $ 385,000 | $ 55,000 | $ 42,000 |
| Simpson County Mississippi | 7 | $ 1,505,000 | $ 215,000 | $ 102,000 |
| Tift County Georgia | 6 | $ 4,760,000 | $ 793,000 | $ 454,000 |
| Copiah County Mississippi | 6 | $ 570,000 | $ 95,000 | $ 38,000 |
| Lafayette County Mississippi | 6 | $ 760,000 | $ 126,000 | $ 332,000 |
| Grady County Georgia | 5 | $ 815,000 | $ 163,000 | $ 65,000 |
| Leake County Mississippi | 5 | $ 815,000 | $ 163,000 | $ 53,000 |
| Wayne County Mississippi | 5 | $ 465,000 | $ 93,000 | $ 68,000 |
| Franklin County Florida | 4 | $ 990,000 | $ 247,000 | $ 185,000 |
| Lanier County Georgia | 4 | $ 480,000 | $ 120,000 | $ 140,000 |
| Washington County Louisiana | 4 | $ 970,000 | $ 242,000 | $ 152,000 |
| Covington County Mississippi | 4 | $ 490,000 | $ 122,000 | $ 40,000 |
| Smith County Mississippi | 4 | $ 490,000 | $ 122,000 | $ 73,000 |
| Duval County Florida | 3 | $ 1,415,000 | $ 471,000 | $ 200,000 |
| Cook County Georgia | 3 | $ 145,000 | $ 48,000 | $ 107,000 |
| Randolph County Georgia | 3 | $ 10,575,000 | $ 3,525,000 | $ 0 |
| St. Charles County Louisiana | 3 | $ 1,105,000 | $ 368,000 | $ 286,000 |
| St. Helena County Louisiana | 3 | $ 685,000 | $ 228,000 | $ 129,000 |
| George County Mississippi | 3 | $ 565,000 | $ 188,000 | $ 76,000 |
| Jasper County Mississippi | 3 | $ 525,000 | $ 175,000 | $ 152,000 |
| Jefferson Davis County Mississippi | 3 | $ 335,000 | $ 111,000 | $ 51,000 |
| Lauderdale County Mississippi | 3 | $ 335,000 | $ 111,000 | $ 61,000 |
| Marion County Mississippi | 3 | $ 125,000 | $ 41,000 | $ 25,000 |
| Warren County Mississippi | 3 | $ 375,000 | $ 125,000 | $ 105,000 |
| Yazoo County Mississippi | 3 | $ 425,000 | $ 141,000 | $ 36,000 |
| Broward County Florida | 2 | $ 1,260,000 | $ 630,000 | $ 735,000 |
| Jackson County Florida | 2 | $ 420,000 | $ 210,000 | $ 100,000 |
| Lafayette County Florida | 2 | $ 310,000 | $ 155,000 | $ 399,000 |
| Pinellas County Florida | 2 | $ 1,310,000 | $ 655,000 | $ 489,000 |
| St. Johns County Florida | 2 | $ 3,590,000 | $ 1,795,000 | $ 1,096,000 |
| Baker County Georgia | 2 | $ 80,000 | $ 40,000 | $ 23,000 |
| Berrien County Georgia | 2 | $ 170,000 | $ 85,000 | $ 46,000 |
| Camden County Georgia | 2 | $ 240,000 | $ 120,000 | $ 305,000 |
| Cobb County Georgia | 2 | $ 900,000 | $ 450,000 | $ 124,000 |
| Mitchell County Georgia | 2 | $ 80,000 | $ 40,000 | $ 157,000 |
| St. Bernard County Louisiana | 2 | $ 900,000 | $ 450,000 | $ 78,000 |
| St. Landry County Louisiana | 2 | $ 260,000 | $ 130,000 | $ 69,000 |
| Coahoma County Mississippi | 2 | $ 70,000 | $ 35,000 | $ 36,000 |
| Lincoln County Mississippi | 2 | $ 360,000 | $ 180,000 | $ 42,000 |
| Lowndes County Mississippi | 2 | $ 710,000 | $ 355,000 | $ 118,000 |
| Neshoba County Mississippi | 2 | $ 130,000 | $ 65,000 | $ 25,000 |
| Oktibbeha County Mississippi | 2 | $ 2,280,000 | $ 1,140,000 | $ 589,000 |
| Knox County Tennessee | 2 | $ 650,000 | $ 325,000 | $ 504,000 |
| Choctaw County Alabama | 1 | $ 25,000 | $ 25,000 | $ 26,000 |
| Clarke County Alabama | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Conecuh County Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Escambia County Alabama | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Henry County Alabama | 1 | $ 345,000 | $ 345,000 | $ 116,000 |
| Lee County Alabama | 1 | $ 1,215,000 | $ 1,215,000 | $ 0 |
| Shelby County Alabama | 1 | $ 235,000 | $ 235,000 | $ 42,000 |
| St. Clair County Alabama | 1 | $ 215,000 | $ 215,000 | $ 107,000 |
| Tallapoosa County Alabama | 1 | $ 1,845,000 | $ 1,845,000 | $ 318,000 |
| Summit County Colorado | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Alachua County Florida | 1 | $ 125,000 | $ 125,000 | $ 142,000 |
| Holmes County Florida | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Lake County Florida | 1 | $ 275,000 | $ 275,000 | $ 127,000 |
| Madison County Florida | 1 | $ 1,115,000 | $ 1,115,000 | $ 1,295,000 |
| Orange County Florida | 1 | $ 355,000 | $ 355,000 | $ 66,000 |
| Pasco County Florida | 1 | $ 265,000 | $ 265,000 | $ 60,000 |
| Taylor County Florida | 1 | $ 145,000 | $ 145,000 | $ 238,000 |
| Volusia County Florida | 1 | $ 195,000 | $ 195,000 | $ 98,000 |
| Washington County Florida | 1 | $ 245,000 | $ 245,000 | $ 184,000 |
| Clarke County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Dodge County Georgia | 1 | $ 95,000 | $ 95,000 | $ 122,000 |
| Fannin County Georgia | 1 | $ 405,000 | $ 405,000 | $ 155,000 |
| Fulton County Georgia | 1 | $ 655,000 | $ 655,000 | $ 284,000 |
| Harris County Georgia | 1 | $ 505,000 | $ 505,000 | $ 1,683,000 |
| Houston County Georgia | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| Putnam County Georgia | 1 | $ 335,000 | $ 335,000 | $ 213,000 |
| Telfair County Georgia | 1 | $ 1,535,000 | $ 1,535,000 | $ 0 |
| Towns County Georgia | 1 | $ 265,000 | $ 265,000 | $ 135,000 |
| Troup County Georgia | 1 | $ 6,505,000 | $ 6,505,000 | $ 0 |
| Avoyelles County Louisiana | 1 | $ 335,000 | $ 335,000 | $ 124,000 |
| Concordia County Louisiana | 1 | $ 265,000 | $ 265,000 | $ 374,000 |
| Lafayette County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Lafourche County Louisiana | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| West Feliciana County Louisiana | 1 | $ 675,000 | $ 675,000 | $ 313,000 |
| Alcorn County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
| Attala County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Carroll County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Greene County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 61,000 |
| Humphreys County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 115,000 |
| Newton County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 28,000 |
| Pike County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 35,000 |
| Walthall County Mississippi | 1 | $ 35,000 | $ 35,000 | $ 83,000 |
| Washington County Mississippi | 1 | $ 5,000 | $ 5,000 | $ 12,000 |
| Charleston County South Carolina | 1 | $ 535,000 | $ 535,000 | $ 263,000 |
| Shelby County 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.
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with aggregated HMDA statistics today.