The First, A National Banking Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
The First, A National Banking Association 2021 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 | 2,174 |
| Total Mortgage Loan Application Amount | $684,430,000 |
| Average Mortgage Loan Application Amount | $263,800 |
| Highest Mortgage Loan Application Amount | $38,005,000 |
| Average Applicant Income | $175,400 |
| Highest Applicant Income | $5,530,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 160 | $ 34,070,000 | $ 212,000 | $ 115,000 |
| Baldwin County Alabama | 139 | $ 47,465,000 | $ 341,000 | $ 202,000 |
| Lamar County Mississippi | 135 | $ 44,155,000 | $ 327,000 | $ 209,000 |
| Forrest County Mississippi | 124 | $ 27,910,000 | $ 225,000 | $ 145,000 |
| Lowndes County Georgia | 112 | $ 24,720,000 | $ 220,000 | $ 194,000 |
| Harrison County Mississippi | 111 | $ 27,305,000 | $ 245,000 | $ 168,000 |
| Tangipahoa County Louisiana | 96 | $ 18,530,000 | $ 193,000 | $ 85,000 |
| Leon County Florida | 95 | $ 22,375,000 | $ 235,000 | $ 132,000 |
| Jones County Mississippi | 75 | $ 12,435,000 | $ 165,000 | $ 101,000 |
| Rankin County Mississippi | 73 | $ 13,885,000 | $ 190,000 | $ 80,000 |
| St. Tammany County Louisiana | 68 | $ 21,430,000 | $ 315,000 | $ 186,000 |
| Colquitt County Georgia | 62 | $ 12,930,000 | $ 208,000 | $ 130,000 |
| Walton County Florida | 61 | $ 35,025,000 | $ 574,000 | $ 433,000 |
| Okaloosa County Florida | 59 | $ 28,345,000 | $ 480,000 | $ 225,000 |
| Thomas County Georgia | 58 | $ 12,690,000 | $ 218,000 | $ 182,000 |
| Escambia County Florida | 52 | $ 56,470,000 | $ 1,085,000 | $ 236,000 |
| Hancock County Mississippi | 51 | $ 10,415,000 | $ 204,000 | $ 176,000 |
| Madison County Mississippi | 50 | $ 15,260,000 | $ 305,000 | $ 131,000 |
| Orleans County Louisiana | 46 | $ 28,670,000 | $ 623,000 | $ 409,000 |
| Jefferson County Louisiana | 44 | $ 60,180,000 | $ 1,367,000 | $ 201,000 |
| Jackson County Mississippi | 42 | $ 8,370,000 | $ 199,000 | $ 157,000 |
| East Baton Rouge County Louisiana | 41 | $ 13,885,000 | $ 338,000 | $ 160,000 |
| Santa Rosa County Florida | 38 | $ 12,570,000 | $ 330,000 | $ 133,000 |
| Hinds County Mississippi | 34 | $ 6,020,000 | $ 177,000 | $ 73,000 |
| Livingston County Louisiana | 26 | $ 4,830,000 | $ 185,000 | $ 89,000 |
| Jefferson County Florida | 18 | $ 3,610,000 | $ 200,000 | $ 119,000 |
| Wakulla County Florida | 17 | $ 3,955,000 | $ 232,000 | $ 217,000 |
| Pearl River County Mississippi | 17 | $ 2,405,000 | $ 141,000 | $ 77,000 |
| Bay County Florida | 15 | $ 5,125,000 | $ 341,000 | $ 146,000 |
| Gadsden County Florida | 14 | $ 4,590,000 | $ 327,000 | $ 94,000 |
| Ascension County Louisiana | 14 | $ 3,130,000 | $ 223,000 | $ 106,000 |
| Stone County Mississippi | 13 | $ 2,325,000 | $ 178,000 | $ 85,000 |
| Washington County Alabama | 12 | $ 1,430,000 | $ 119,000 | $ 78,000 |
| Iberville County Louisiana | 12 | $ 1,530,000 | $ 127,000 | $ 86,000 |
| Tift County Georgia | 9 | $ 2,435,000 | $ 270,000 | $ 177,000 |
| West Baton Rouge County Louisiana | 8 | $ 950,000 | $ 118,000 | $ 81,000 |
| George County Mississippi | 7 | $ 1,155,000 | $ 165,000 | $ 72,000 |
| Brooks County Georgia | 6 | $ 970,000 | $ 161,000 | $ 124,000 |
| Perry County Mississippi | 6 | $ 950,000 | $ 158,000 | $ 78,000 |
| Madison County Florida | 5 | $ 835,000 | $ 167,000 | $ 79,000 |
| Cook County Georgia | 5 | $ 1,265,000 | $ 253,000 | $ 122,000 |
| Covington County Mississippi | 5 | $ 1,825,000 | $ 365,000 | $ 152,000 |
| Oktibbeha County Mississippi | 5 | $ 1,175,000 | $ 235,000 | $ 285,000 |
| Clinch County Georgia | 4 | $ 500,000 | $ 125,000 | $ 113,000 |
| Grady County Georgia | 4 | $ 1,580,000 | $ 395,000 | $ 204,000 |
| Assumption County Louisiana | 4 | $ 350,000 | $ 87,000 | $ 119,000 |
| St. Bernard County Louisiana | 4 | $ 730,000 | $ 182,000 | $ 158,000 |
| Jasper County Mississippi | 4 | $ 310,000 | $ 77,000 | $ 77,000 |
| Jefferson Davis County Mississippi | 4 | $ 580,000 | $ 145,000 | $ 67,000 |
| Houston County Alabama | 3 | $ 515,000 | $ 171,000 | $ 80,000 |
| Duval County Florida | 3 | $ 3,215,000 | $ 1,071,000 | $ 1,679,000 |
| Taylor County Florida | 3 | $ 835,000 | $ 278,000 | $ 305,000 |
| Lafayette County Louisiana | 3 | $ 845,000 | $ 281,000 | $ 90,000 |
| Washington County Louisiana | 3 | $ 845,000 | $ 281,000 | $ 120,000 |
| Lafayette County Mississippi | 3 | $ 635,000 | $ 211,000 | $ 233,000 |
| Marion County Mississippi | 3 | $ 415,000 | $ 138,000 | $ 414,000 |
| Tallapoosa County Alabama | 2 | $ 620,000 | $ 310,000 | $ 359,000 |
| Tuscaloosa County Alabama | 2 | $ 540,000 | $ 270,000 | $ 123,000 |
| Franklin County Florida | 2 | $ 740,000 | $ 370,000 | $ 68,000 |
| Gulf County Florida | 2 | $ 530,000 | $ 265,000 | $ 181,000 |
| Pinellas County Florida | 2 | $ 1,060,000 | $ 530,000 | $ 183,000 |
| Dougherty County Georgia | 2 | $ 100,000 | $ 50,000 | $ 41,000 |
| Lanier County Georgia | 2 | $ 210,000 | $ 105,000 | $ 41,000 |
| Mitchell County Georgia | 2 | $ 150,000 | $ 75,000 | $ 64,000 |
| Worth County Georgia | 2 | $ 130,000 | $ 65,000 | $ 45,000 |
| Ouachita County Louisiana | 2 | $ 200,000 | $ 100,000 | $ 152,000 |
| Clarke County Mississippi | 2 | $ 100,000 | $ 50,000 | $ 101,000 |
| Leake County Mississippi | 2 | $ 350,000 | $ 175,000 | $ 60,000 |
| Newton County Mississippi | 2 | $ 130,000 | $ 65,000 | $ 30,000 |
| Scott County Mississippi | 2 | $ 160,000 | $ 80,000 | $ 30,000 |
| Wayne County Mississippi | 2 | $ 150,000 | $ 75,000 | $ 105,000 |
| Beaufort County South Carolina | 2 | $ 430,000 | $ 215,000 | $ 363,000 |
| Barbour County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Chilton County Alabama | 1 | $ 375,000 | $ 375,000 | $ 261,000 |
| Clarke County Alabama | 1 | $ 55,000 | $ 55,000 | $ 16,000 |
| Crenshaw County Alabama | 1 | $ 245,000 | $ 245,000 | $ 86,000 |
| Dale County Alabama | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Jefferson County Alabama | 1 | $ 235,000 | $ 235,000 | $ 740,000 |
| Limestone County Alabama | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Montgomery County Alabama | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Morgan County Alabama | 1 | $ 55,000 | $ 55,000 | $ 110,000 |
| Pike County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Shelby County Alabama | 1 | $ 515,000 | $ 515,000 | $ 182,000 |
| Cleburne County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Brevard County Florida | 1 | $ 165,000 | $ 165,000 | $ 104,000 |
| Broward County Florida | 1 | $ 425,000 | $ 425,000 | $ 147,000 |
| Jackson County Florida | 1 | $ 95,000 | $ 95,000 | $ 26,000 |
| Lake County Florida | 1 | $ 465,000 | $ 465,000 | $ 134,000 |
| Monroe County Florida | 1 | $ 995,000 | $ 995,000 | $ 0 |
| Orange County Florida | 1 | $ 545,000 | $ 545,000 | $ 280,000 |
| St. Johns County Florida | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Baker County Georgia | 1 | $ 75,000 | $ 75,000 | $ 34,000 |
| Bibb County Georgia | 1 | $ 3,605,000 | $ 3,605,000 | $ 0 |
| Clarke County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Coffee County Georgia | 1 | $ 4,675,000 | $ 4,675,000 | $ 0 |
| Dodge County Georgia | 1 | $ 105,000 | $ 105,000 | $ 126,000 |
| Echols County Georgia | 1 | $ 95,000 | $ 95,000 | $ 105,000 |
| Fannin County Georgia | 1 | $ 465,000 | $ 465,000 | $ 182,000 |
| Gwinnett County Georgia | 1 | $ 105,000 | $ 105,000 | $ 87,000 |
| Houston County Georgia | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Muscogee County Georgia | 1 | $ 585,000 | $ 585,000 | $ 400,000 |
| Pickens County Georgia | 1 | $ 365,000 | $ 365,000 | $ 0 |
| White County Georgia | 1 | $ 225,000 | $ 225,000 | $ 122,000 |
| Caddo County Louisiana | 1 | $ 175,000 | $ 175,000 | $ 87,000 |
| Calcasieu County Louisiana | 1 | $ 275,000 | $ 275,000 | $ 68,000 |
| Plaquemines County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| Pointe Coupee County Louisiana | 1 | $ 225,000 | $ 225,000 | $ 133,000 |
| St. Charles County Louisiana | 1 | $ 595,000 | $ 595,000 | $ 122,000 |
| St. Helena County Louisiana | 1 | $ 255,000 | $ 255,000 | $ 143,000 |
| St. James County Louisiana | 1 | $ 315,000 | $ 315,000 | $ 143,000 |
| Terrebonne County Louisiana | 1 | $ 185,000 | $ 185,000 | $ 331,000 |
| Attala County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Copiah County Mississippi | 1 | $ 185,000 | $ 185,000 | $ 86,000 |
| Greene County Mississippi | 1 | $ 225,000 | $ 225,000 | $ 99,000 |
| Grenada County Mississippi | 1 | $ 245,000 | $ 245,000 | $ 47,000 |
| Jefferson County Mississippi | 1 | $ 205,000 | $ 205,000 | $ 41,000 |
| Lauderdale County Mississippi | 1 | $ 825,000 | $ 825,000 | $ 315,000 |
| Lawrence County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Pike County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 22,000 |
| Smith County Mississippi | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Warren County Mississippi | 1 | $ 395,000 | $ 395,000 | $ 158,000 |
| Washington County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Wilkinson County Mississippi | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Flathead County Montana | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Queens County New York | 1 | $ 475,000 | $ 475,000 | $ 47,000 |
| Horry County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 53,000 |
| Shelby County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 211,000 |
| Dallas County Texas | 1 | $ 765,000 | $ 765,000 | $ 295,000 |
| Teton County Wyoming | 1 | $ 5,225,000 | $ 5,225,000 | $ 0 |
Mortgage Loan Application Detail Totals for The First, A National Banking Association in 2021
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 | 1,095 | $414,155,000 | $378,000 | $38,005,000 | $173,000 | $5,530,000 |
| Refinancing | 733 | $193,375,000 | $263,000 | $4,675,000 | $175,000 | $2,926,000 |
| Cash-out Refinancing | 285 | $62,245,000 | $218,000 | $545,000 | $105,000 | $600,000 |
| Other Purpose | 38 | $10,220,000 | $268,000 | $1,505,000 | $245,000 | $3,290,000 |
| Home Improvement | 23 | $4,435,000 | $192,000 | $855,000 | $179,000 | $406,000 |
| 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 | 1,539 | $424,935,000 | $276,000 | $3,135,000 | $168,000 | $5,530,000 |
| Not applicable | 308 | $173,320,000 | $562,000 | $38,005,000 | $0 | $0 |
| Black or African American | 134 | $22,080,000 | $164,000 | $1,075,000 | $86,000 | $478,000 |
| Not Provided | 113 | $42,245,000 | $373,000 | $3,145,000 | $221,000 | $3,290,000 |
| Hispanic | 39 | $11,585,000 | $297,000 | $1,765,000 | $179,000 | $2,189,000 |
| Asian | 33 | $8,785,000 | $266,000 | $805,000 | $164,000 | $711,000 |
| American Indian or Alaskan Native | 5 | $645,000 | $129,000 | $285,000 | $58,000 | $86,000 |
| 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) | 1,927 | $634,895,000 | $329,000 | $38,005,000 | $179,000 | $5,530,000 |
| FHA-insured (Federal Housing Administration) | 114 | $21,310,000 | $186,000 | $345,000 | $70,000 | $313,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 86 | $14,690,000 | $170,000 | $345,000 | $53,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 47 | $13,535,000 | $287,000 | $595,000 | $105,000 | $329,000 |
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 | 1,690 | $551,150,000 | $326,000 | $38,005,000 | $178,000 | $5,530,000 |
| Application Withdrawn By Applicant | 294 | $91,730,000 | $312,000 | $3,145,000 | $148,000 | $1,104,000 |
| Application Denied By Financial Institution | 165 | $34,155,000 | $207,000 | $695,000 | $84,000 | $600,000 |
| File Closed For Incompleteness | 18 | $4,660,000 | $258,000 | $485,000 | $111,000 | $297,000 |
| Application Approved But Not Accepted | 7 | $2,735,000 | $390,000 | $1,025,000 | $430,000 | $1,500,000 |
| 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 | 2,009 | $650,275,000 | $323,000 | $38,005,000 | $173,000 | $5,530,000 |
| Debt-To-Income Ratio | 59 | $14,845,000 | $251,000 | $695,000 | $72,000 | $190,000 |
| Credit History | 37 | $5,945,000 | $160,000 | $545,000 | $83,000 | $384,000 |
| Collateral | 27 | $5,725,000 | $212,000 | $575,000 | $103,000 | $600,000 |
| Other | 15 | $2,355,000 | $157,000 | $365,000 | $72,000 | $211,000 |
| Unverifiable Information | 14 | $2,770,000 | $197,000 | $365,000 | $94,000 | $417,000 |
| Employment History | 8 | $1,520,000 | $190,000 | $255,000 | $119,000 | $517,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $995,000 | $199,000 | $325,000 | $71,000 | $110,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First, A National Banking Association's 2021 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.