The First Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
The First Bank 2022 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 Bank P.O. Box 15549 Hattiesburg, MS 39404 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 |
| Total Number of Mortgage Applications | 2,586 |
| Total Mortgage Loan Application Amount | $796,510,000 |
| Average Mortgage Loan Application Amount | $239,600 |
| Highest Mortgage Loan Application Amount | $30,005,000 |
| Average Applicant Income | $178,800 |
| Highest Applicant Income | $8,659,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with The First Bank. 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 Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down The First Bank'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 Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by The First Bank, 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 Bank's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Okaloosa County Florida | 220 | $ 110,460,000 | $ 502,000 | $ 161,000 |
| Mobile County Alabama | 154 | $ 52,810,000 | $ 342,000 | $ 117,000 |
| Baldwin County Alabama | 143 | $ 49,355,000 | $ 345,000 | $ 245,000 |
| Harrison County Mississippi | 143 | $ 40,955,000 | $ 286,000 | $ 188,000 |
| Santa Rosa County Florida | 108 | $ 35,280,000 | $ 326,000 | $ 187,000 |
| Bay County Florida | 99 | $ 42,295,000 | $ 427,000 | $ 233,000 |
| Tangipahoa County Louisiana | 97 | $ 18,505,000 | $ 190,000 | $ 121,000 |
| Forrest County Mississippi | 96 | $ 23,860,000 | $ 248,000 | $ 247,000 |
| Lowndes County Georgia | 94 | $ 24,020,000 | $ 255,000 | $ 226,000 |
| Jackson County Mississippi | 94 | $ 22,720,000 | $ 241,000 | $ 134,000 |
| Lamar County Mississippi | 92 | $ 27,260,000 | $ 296,000 | $ 221,000 |
| Escambia County Florida | 85 | $ 24,225,000 | $ 285,000 | $ 168,000 |
| Walton County Florida | 79 | $ 53,355,000 | $ 675,000 | $ 423,000 |
| Hancock County Mississippi | 76 | $ 14,600,000 | $ 192,000 | $ 140,000 |
| Leon County Florida | 71 | $ 18,745,000 | $ 264,000 | $ 152,000 |
| Jones County Mississippi | 71 | $ 10,945,000 | $ 154,000 | $ 272,000 |
| Colquitt County Georgia | 70 | $ 12,410,000 | $ 177,000 | $ 137,000 |
| East Baton Rouge County Louisiana | 65 | $ 14,255,000 | $ 219,000 | $ 158,000 |
| Rankin County Mississippi | 56 | $ 12,290,000 | $ 219,000 | $ 86,000 |
| St. Tammany County Louisiana | 54 | $ 21,740,000 | $ 402,000 | $ 182,000 |
| Madison County Mississippi | 51 | $ 18,205,000 | $ 356,000 | $ 182,000 |
| Orleans County Louisiana | 50 | $ 19,520,000 | $ 390,000 | $ 451,000 |
| Hinds County Mississippi | 45 | $ 5,435,000 | $ 120,000 | $ 66,000 |
| Thomas County Georgia | 42 | $ 6,140,000 | $ 146,000 | $ 101,000 |
| Jefferson County Louisiana | 31 | $ 18,495,000 | $ 596,000 | $ 254,000 |
| Livingston County Louisiana | 29 | $ 8,705,000 | $ 300,000 | $ 127,000 |
| Pearl River County Mississippi | 22 | $ 3,410,000 | $ 155,000 | $ 112,000 |
| Washington County Alabama | 19 | $ 2,135,000 | $ 112,000 | $ 134,000 |
| Ascension County Louisiana | 18 | $ 3,820,000 | $ 212,000 | $ 170,000 |
| Stone County Mississippi | 16 | $ 2,490,000 | $ 155,000 | $ 75,000 |
| Oktibbeha County Mississippi | 15 | $ 3,175,000 | $ 211,000 | $ 253,000 |
| Wakulla County Florida | 13 | $ 2,615,000 | $ 201,000 | $ 91,000 |
| Iberville County Louisiana | 12 | $ 1,370,000 | $ 114,000 | $ 62,000 |
| Jefferson County Florida | 11 | $ 1,215,000 | $ 110,000 | $ 67,000 |
| Perry County Mississippi | 11 | $ 1,125,000 | $ 102,000 | $ 98,000 |
| Assumption County Louisiana | 9 | $ 705,000 | $ 78,000 | $ 118,000 |
| West Baton Rouge County Louisiana | 9 | $ 1,045,000 | $ 116,000 | $ 109,000 |
| Hillsborough County Florida | 8 | $ 3,980,000 | $ 497,000 | $ 214,000 |
| Pinellas County Florida | 8 | $ 3,530,000 | $ 441,000 | $ 211,000 |
| Brooks County Georgia | 8 | $ 1,450,000 | $ 181,000 | $ 164,000 |
| Cook County Georgia | 7 | $ 1,465,000 | $ 209,000 | $ 119,000 |
| Tift County Georgia | 7 | $ 1,675,000 | $ 239,000 | $ 178,000 |
| Clay County Mississippi | 7 | $ 905,000 | $ 129,000 | $ 58,000 |
| Gadsden County Florida | 6 | $ 1,080,000 | $ 180,000 | $ 99,000 |
| Worth County Georgia | 6 | $ 860,000 | $ 143,000 | $ 107,000 |
| Monroe County Mississippi | 6 | $ 260,000 | $ 43,000 | $ 53,000 |
| Franklin County Florida | 5 | $ 2,495,000 | $ 499,000 | $ 244,000 |
| Lafourche County Louisiana | 5 | $ 855,000 | $ 171,000 | $ 101,000 |
| St. Helena County Louisiana | 5 | $ 705,000 | $ 141,000 | $ 96,000 |
| Washington County Louisiana | 5 | $ 895,000 | $ 179,000 | $ 80,000 |
| Greene County Mississippi | 5 | $ 995,000 | $ 199,000 | $ 93,000 |
| Marion County Mississippi | 5 | $ 845,000 | $ 169,000 | $ 101,000 |
| Monroe County Alabama | 4 | $ 450,000 | $ 112,000 | $ 287,000 |
| Marion County Florida | 4 | $ 680,000 | $ 170,000 | $ 176,000 |
| Jasper County Mississippi | 4 | $ 300,000 | $ 75,000 | $ 376,000 |
| Simpson County Mississippi | 4 | $ 720,000 | $ 180,000 | $ 48,000 |
| Lee County Alabama | 3 | $ 825,000 | $ 275,000 | $ 429,000 |
| Berrien County Georgia | 3 | $ 635,000 | $ 211,000 | $ 574,000 |
| Clinch County Georgia | 3 | $ 355,000 | $ 118,000 | $ 68,000 |
| Grady County Georgia | 3 | $ 905,000 | $ 301,000 | $ 220,000 |
| Lanier County Georgia | 3 | $ 685,000 | $ 228,000 | $ 106,000 |
| East Feliciana County Louisiana | 3 | $ 885,000 | $ 295,000 | $ 436,000 |
| St. Bernard County Louisiana | 3 | $ 595,000 | $ 198,000 | $ 130,000 |
| George County Mississippi | 3 | $ 235,000 | $ 78,000 | $ 84,000 |
| Grenada County Mississippi | 3 | $ 325,000 | $ 108,000 | $ 163,000 |
| Neshoba County Mississippi | 3 | $ 215,000 | $ 71,000 | $ 49,000 |
| Newton County Mississippi | 3 | $ 335,000 | $ 111,000 | $ 77,000 |
| Yazoo County Mississippi | 3 | $ 335,000 | $ 111,000 | $ 60,000 |
| Tallapoosa County Alabama | 2 | $ 640,000 | $ 320,000 | $ 1,328,000 |
| Brevard County Florida | 2 | $ 1,190,000 | $ 595,000 | $ 262,000 |
| Lake County Florida | 2 | $ 520,000 | $ 260,000 | $ 144,000 |
| Manatee County Florida | 2 | $ 1,660,000 | $ 830,000 | $ 683,000 |
| Baker County Georgia | 2 | $ 70,000 | $ 35,000 | $ 153,000 |
| Baldwin County Georgia | 2 | $ 14,720,000 | $ 7,360,000 | $ 628,000 |
| Cobb County Georgia | 2 | $ 500,000 | $ 250,000 | $ 244,000 |
| Decatur County Georgia | 2 | $ 610,000 | $ 305,000 | $ 184,000 |
| Fulton County Georgia | 2 | $ 720,000 | $ 360,000 | $ 300,000 |
| Muscogee County Georgia | 2 | $ 740,000 | $ 370,000 | $ 681,000 |
| St. John the Baptist County Louisiana | 2 | $ 880,000 | $ 440,000 | $ 119,000 |
| Bolivar County Mississippi | 2 | $ 420,000 | $ 210,000 | $ 344,000 |
| Wayne County Mississippi | 2 | $ 140,000 | $ 70,000 | $ 59,000 |
| Butler County Alabama | 1 | $ 485,000 | $ 485,000 | $ 515,000 |
| Chilton County Alabama | 1 | $ 575,000 | $ 575,000 | $ 186,000 |
| Clarke County Alabama | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
| Cleburne County Alabama | 1 | $ 455,000 | $ 455,000 | $ 178,000 |
| Conecuh County Alabama | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
| Escambia County Alabama | 1 | $ 25,000 | $ 25,000 | $ 440,000 |
| Montgomery County Alabama | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Wilcox County Alabama | 1 | $ 305,000 | $ 305,000 | $ 307,000 |
| Charlotte County Florida | 1 | $ 425,000 | $ 425,000 | $ 94,000 |
| Gulf County Florida | 1 | $ 135,000 | $ 135,000 | $ 382,000 |
| Lee County Florida | 1 | $ 675,000 | $ 675,000 | $ 526,000 |
| Madison County Florida | 1 | $ 335,000 | $ 335,000 | $ 102,000 |
| Nassau County Florida | 1 | $ 935,000 | $ 935,000 | $ 260,000 |
| Pasco County Florida | 1 | $ 635,000 | $ 635,000 | $ 468,000 |
| Sarasota County Florida | 1 | $ 645,000 | $ 645,000 | $ 2,159,000 |
| St. Johns County Florida | 1 | $ 375,000 | $ 375,000 | $ 205,000 |
| Bibb County Georgia | 1 | $ 625,000 | $ 625,000 | $ 500,000 |
| Dawson County Georgia | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Echols County Georgia | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Forsyth County Georgia | 1 | $ 335,000 | $ 335,000 | $ 126,000 |
| Gilmer County Georgia | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Irwin County Georgia | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Mitchell County Georgia | 1 | $ 215,000 | $ 215,000 | $ 66,000 |
| Polk County Georgia | 1 | $ 195,000 | $ 195,000 | $ 86,000 |
| Randolph County Georgia | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Terrell County Georgia | 1 | $ 225,000 | $ 225,000 | $ 150,000 |
| Avoyelles County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 130,000 |
| Lafayette County Louisiana | 1 | $ 1,005,000 | $ 1,005,000 | $ 377,000 |
| Plaquemines County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| St. Charles County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| St. Landry County Louisiana | 1 | $ 35,000 | $ 35,000 | $ 31,000 |
| West Feliciana County Louisiana | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Attala County Mississippi | 1 | $ 415,000 | $ 415,000 | $ 209,000 |
| Claiborne County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 247,000 |
| Copiah County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Covington County Mississippi | 1 | $ 515,000 | $ 515,000 | $ 83,000 |
| Holmes County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 84,000 |
| Kemper County Mississippi | 1 | $ 215,000 | $ 215,000 | $ 503,000 |
| Lafayette County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Noxubee County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 91,000 |
| Tippah County Mississippi | 1 | $ 185,000 | $ 185,000 | $ 456,000 |
| Walthall County Mississippi | 1 | $ 175,000 | $ 175,000 | $ 99,000 |
| Webster County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 175,000 |
| Jackson County North Carolina | 1 | $ 605,000 | $ 605,000 | $ 633,000 |
| Lorain County Ohio | 1 | $ 255,000 | $ 255,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for The First Bank in 2022
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 | 1,348 | $511,180,000 | $379,000 | $30,005,000 | $182,000 | $4,683,000 |
| Refinancing | 579 | $179,095,000 | $309,000 | $14,565,000 | $226,000 | $8,659,000 |
| Other Purpose | 319 | $44,165,000 | $138,000 | $1,005,000 | $191,000 | $2,392,000 |
| Home Improvement | 192 | $29,860,000 | $155,000 | $5,335,000 | $184,000 | $1,706,000 |
| Cash-out Refinancing | 148 | $32,210,000 | $217,000 | $825,000 | $111,000 | $472,000 |
| 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 | 1,648 | $460,290,000 | $279,000 | $3,655,000 | $198,000 | $8,246,000 |
| Not applicable | 318 | $181,320,000 | $570,000 | $30,005,000 | $0 | $0 |
| Not Provided | 265 | $83,925,000 | $316,000 | $1,405,000 | $181,000 | $948,000 |
| Black or African American | 254 | $44,470,000 | $175,000 | $2,005,000 | $95,000 | $884,000 |
| Asian | 45 | $13,545,000 | $301,000 | $885,000 | $212,000 | $711,000 |
| Hispanic | 37 | $8,365,000 | $226,000 | $625,000 | $123,000 | $603,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $2,325,000 | $332,000 | $575,000 | $109,000 | $182,000 |
| American Indian or Alaskan Native | 4 | $870,000 | $217,000 | $335,000 | $136,000 | $238,000 |
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) | 2,227 | $696,815,000 | $312,000 | $30,005,000 | $206,000 | $8,659,000 |
| FHA-insured (Federal Housing Administration) | 179 | $37,265,000 | $208,000 | $475,000 | $76,000 | $413,000 |
| VA-guaranteed (Veterans Administration) | 130 | $53,430,000 | $411,000 | $905,000 | $118,000 | $369,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 50 | $9,000,000 | $180,000 | $305,000 | $59,000 | $130,000 |
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 | 1,947 | $638,195,000 | $327,000 | $30,005,000 | $207,000 | $8,659,000 |
| Application Withdrawn By Applicant | 368 | $102,330,000 | $278,000 | $3,655,000 | $150,000 | $3,439,000 |
| Application Denied By Financial Institution | 204 | $34,510,000 | $169,000 | $825,000 | $85,000 | $598,000 |
| Application Approved But Not Accepted | 43 | $16,245,000 | $377,000 | $2,245,000 | $248,000 | $1,138,000 |
| File Closed For Incompleteness | 24 | $5,230,000 | $217,000 | $745,000 | $108,000 | $768,000 |
| 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 | 2,382 | $762,000,000 | $319,000 | $30,005,000 | $197,000 | $8,659,000 |
| Debt-To-Income Ratio | 100 | $17,130,000 | $171,000 | $825,000 | $73,000 | $331,000 |
| Credit History | 42 | $5,730,000 | $136,000 | $715,000 | $96,000 | $598,000 |
| Other | 25 | $4,445,000 | $177,000 | $825,000 | $113,000 | $511,000 |
| Collateral | 22 | $3,990,000 | $181,000 | $545,000 | $94,000 | $281,000 |
| Unverifiable Information | 7 | $1,685,000 | $240,000 | $505,000 | $68,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,145,000 | $229,000 | $395,000 | $104,000 | $193,000 |
| Employment History | 3 | $385,000 | $128,000 | $215,000 | $60,000 | $73,000 |
| 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 Bank's 2022 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 Bank'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.