The First, A National Banking Association Mortgage Lending & HMDA Data, 2015
In 2015, The First, A National Banking Association of Hattiesburg, MS reported 712 mortgage applications totaling $145.7 million, down 14% from 2014. The average application was for $204,682, and applicants reported an average income of $121,158. 71% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Gulfport-Biloxi-Pascagoula, MS (215), Hattiesburg, MS (203) and Daphne-Fairhope-Foley, AL (117) (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 | 712 |
| Total Mortgage Loan Application Amount | $145,734,000 |
| Average Mortgage Loan Application Amount | $204,682 |
| Highest Mortgage Loan Application Amount | $4,800,000 |
| Average Applicant Income | $121,158 |
| Highest Applicant Income | $1,484,000 |
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First, A National Banking Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for The First, A National Banking Association in 2015
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 | 388 | $85,300,000 | $219,000 | $4,800,000 | $123,000 | $1,146,000 |
| Refinancing | 303 | $59,158,000 | $195,000 | $4,576,000 | $115,000 | $1,484,000 |
| Home Improvement | 21 | $1,276,000 | $60,000 | $400,000 | $176,000 | $1,000,000 |
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 | 552 | $100,821,000 | $182,000 | $2,893,000 | $138,000 | $1,484,000 |
| Not applicable | 66 | $28,145,000 | $426,000 | $4,800,000 | $0 | $0 |
| Black or African American | 44 | $5,139,000 | $116,000 | $352,000 | $70,000 | $668,000 |
| Not Provided | 27 | $5,488,000 | $203,000 | $417,000 | $112,000 | $354,000 |
| Asian | 12 | $3,278,000 | $273,000 | $635,000 | $241,000 | $1,146,000 |
| Hispanic | 10 | $1,679,000 | $167,000 | $440,000 | $99,000 | $200,000 |
| American Indian or Alaskan Native | 1 | $1,184,000 | $1,184,000 | $1,184,000 | $368,000 | $368,000 |
| 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) | 612 | $131,322,000 | $214,000 | $4,800,000 | $132,000 | $1,484,000 |
| FHA-insured (Federal Housing Administration) | 38 | $4,523,000 | $119,000 | $228,000 | $57,000 | $123,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $4,123,000 | $117,000 | $202,000 | $45,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 27 | $5,766,000 | $213,000 | $409,000 | $80,000 | $171,000 |
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 | 508 | $110,718,000 | $217,000 | $4,800,000 | $127,000 | $1,094,000 |
| Application Denied By Financial Institution | 80 | $12,234,000 | $152,000 | $440,000 | $67,000 | $275,000 |
| File Closed For Incompleteness | 62 | $11,433,000 | $184,000 | $417,000 | $97,000 | $613,000 |
| Application Withdrawn By Applicant | 54 | $9,891,000 | $183,000 | $625,000 | $182,000 | $1,484,000 |
| Application Approved But Not Accepted | 8 | $1,458,000 | $182,000 | $310,000 | $78,000 | $131,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 30 | $4,398,000 | $146,000 | $417,000 | $48,000 | $128,000 |
| Credit History | 22 | $3,222,000 | $146,000 | $440,000 | $67,000 | $200,000 |
| Collateral | 18 | $3,611,000 | $200,000 | $416,000 | $111,000 | $275,000 |
| Other | 6 | $451,000 | $75,000 | $128,000 | $41,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $253,000 | $126,000 | $160,000 | $56,000 | $59,000 |
| Unverifiable Information | 1 | $196,000 | $196,000 | $196,000 | $68,000 | $68,000 |
| Employment History | 1 | $103,000 | $103,000 | $103,000 | $31,000 | $31,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2015 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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