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First, A National Banking Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jackson, MS | 347 | $ 70,435,000 | $ 202,982 | $ 90,000 |
| Outside any metro area | 342 | $ 82,080,000 | $ 240,000 | $ 127,431 |
| Hattiesburg, MS | 304 | $ 80,120,000 | $ 263,552 | $ 175,000 |
| Gulfport-Biloxi-Pascagoula, MS | 255 | $ 58,475,000 | $ 229,313 | $ 167,000 |
| New Orleans-Metairie, LA | 210 | $ 74,850,000 | $ 356,428 | $ 169,000 |
| Tallahassee, FL | 188 | $ 41,660,000 | $ 221,595 | $ 140,000 |
| Mobile, AL | 181 | $ 33,805,000 | $ 186,767 | $ 123,000 |
| Daphne-Fairhope-Foley, AL | 158 | $ 54,410,000 | $ 344,367 | $ 172,000 |
| Baton Rouge, LA | 141 | $ 38,285,000 | $ 271,524 | $ 140,000 |
| Hammond, LA | 139 | $ 27,115,000 | $ 195,071 | $ 96,000 |
| Valdosta, GA | 104 | $ 30,450,000 | $ 292,788 | $ 246,000 |
| Crestview-Fort Walton Beach-Destin, FL | 96 | $ 40,920,000 | $ 426,250 | $ 369,000 |
| Pensacola-Ferry Pass-Brent, FL | 80 | $ 26,060,000 | $ 325,750 | $ 153,000 |
| Panama City, FL | 24 | $ 7,200,000 | $ 300,000 | $ 198,000 |
| Albany, GA | 7 | $ 395,000 | $ 56,428 | $ 83,000 |
| Jacksonville, FL | 5 | $ 5,005,000 | $ 1,001,000 | $ 558,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 1,555,000 | $ 518,333 | $ 177,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 1,575,000 | $ 525,000 | $ 346,000 |
| Birmingham-Hoover, AL | 2 | $ 450,000 | $ 225,000 | $ 74,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 1,260,000 | $ 630,000 | $ 735,000 |
| Knoxville, TN | 2 | $ 650,000 | $ 325,000 | $ 504,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 630,000 | $ 315,000 | $ 96,000 |
| Athens-Clarke County, GA | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 1,215,000 | $ 1,215,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 535,000 | $ 535,000 | $ 263,000 |
| Columbus, GA-AL | 1 | $ 505,000 | $ 505,000 | $ 1,683,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 195,000 | $ 195,000 | $ 98,000 |
| Dothan, AL | 1 | $ 345,000 | $ 345,000 | $ 116,000 |
| Gainesville, FL | 1 | $ 125,000 | $ 125,000 | $ 142,000 |
| Houma-Thibodaux, LA | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Lafayette, LA | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Memphis, TN-MS-AR | 1 | $ 295,000 | $ 295,000 | $ 116,000 |
| Warner Robins, GA | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
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.
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