The First, A National Banking Association Mortgage Lending & HMDA Data, 2021
In 2021, The First, A National Banking Association of Hattiesburg, MS reported 2,174 mortgage applications totaling $684.4 million, down 17% from 2020. The average application was for $314,825, and applicants reported an average income of $166,081. 78% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Hattiesburg, MS (270), Gulfport-Biloxi-Pascagoula, MS (217) and Mobile, AL (172) (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 | 2,174 |
| Total Mortgage Loan Application Amount | $684,430,000 |
| Average Mortgage Loan Application Amount | $314,825 |
| Highest Mortgage Loan Application Amount | $38,005,000 |
| Average Applicant Income | $166,081 |
| Highest Applicant Income | $5,530,000 |
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First, A National Banking Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 315 | $ 71,645,000 | $ 227,444 | $ 131,987 |
| Hattiesburg, MS | 270 | $ 74,840,000 | $ 277,185 | $ 176,000 |
| Gulfport-Biloxi-Pascagoula, MS | 217 | $ 48,415,000 | $ 223,110 | $ 162,000 |
| Mobile, AL | 172 | $ 35,500,000 | $ 206,395 | $ 112,000 |
| New Orleans-Metairie, LA | 165 | $ 112,055,000 | $ 679,121 | $ 238,000 |
| Jackson, MS | 158 | $ 35,350,000 | $ 223,734 | $ 94,000 |
| Tallahassee, FL | 144 | $ 34,530,000 | $ 239,791 | $ 137,000 |
| Daphne-Fairhope-Foley, AL | 139 | $ 47,465,000 | $ 341,474 | $ 202,000 |
| Valdosta, GA | 121 | $ 25,995,000 | $ 214,834 | $ 187,000 |
| Crestview-Fort Walton Beach-Destin, FL | 120 | $ 63,370,000 | $ 528,083 | $ 341,000 |
| Baton Rouge, LA | 107 | $ 25,155,000 | $ 235,093 | $ 117,000 |
| Hammond, LA | 96 | $ 18,530,000 | $ 193,020 | $ 85,000 |
| Pensacola-Ferry Pass-Brent, FL | 90 | $ 69,040,000 | $ 767,111 | $ 190,000 |
| Panama City, FL | 15 | $ 5,125,000 | $ 341,666 | $ 146,000 |
| Albany, GA | 4 | $ 230,000 | $ 57,500 | $ 44,000 |
| Jacksonville, FL | 4 | $ 3,270,000 | $ 817,500 | $ 1,272,000 |
| Birmingham-Hoover, AL | 3 | $ 1,125,000 | $ 375,000 | $ 394,000 |
| Dothan, AL | 3 | $ 515,000 | $ 171,666 | $ 80,000 |
| Lafayette, LA | 3 | $ 845,000 | $ 281,666 | $ 90,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 470,000 | $ 235,000 | $ 87,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 430,000 | $ 215,000 | $ 363,000 |
| Monroe, LA | 2 | $ 200,000 | $ 100,000 | $ 152,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 1,010,000 | $ 505,000 | $ 207,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 1,060,000 | $ 530,000 | $ 183,000 |
| Tuscaloosa, AL | 2 | $ 540,000 | $ 270,000 | $ 123,000 |
| Athens-Clarke County, GA | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 585,000 | $ 585,000 | $ 400,000 |
| Dallas-Plano-Irving, TX | 1 | $ 765,000 | $ 765,000 | $ 295,000 |
| Decatur, AL | 1 | $ 55,000 | $ 55,000 | $ 110,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 425,000 | $ 425,000 | $ 147,000 |
| Houma-Thibodaux, LA | 1 | $ 185,000 | $ 185,000 | $ 331,000 |
| Huntsville, AL | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Lake Charles, LA | 1 | $ 275,000 | $ 275,000 | $ 68,000 |
| Macon-Bibb County, GA | 1 | $ 3,605,000 | $ 3,605,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 135,000 | $ 135,000 | $ 211,000 |
| Montgomery, AL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 265,000 | $ 265,000 | $ 53,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 475,000 | $ 475,000 | $ 47,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 165,000 | $ 165,000 | $ 104,000 |
| Shreveport-Bossier City, LA | 1 | $ 175,000 | $ 175,000 | $ 87,000 |
| Warner Robins, GA | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
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.
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