The First Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
The First Bank 2023 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 | 1,786 |
| Total Mortgage Loan Application Amount | $442,400,000 |
| Average Mortgage Loan Application Amount | $203,600 |
| Highest Mortgage Loan Application Amount | $31,005,000 |
| Average Applicant Income | $171,200 |
| Highest Applicant Income | $8,263,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Baldwin County Alabama | 111 | $ 33,065,000 | $ 297,000 | $ 246,000 |
| Mobile County Alabama | 100 | $ 16,130,000 | $ 161,000 | $ 124,000 |
| Harrison County Mississippi | 95 | $ 19,555,000 | $ 205,000 | $ 161,000 |
| Lamar County Mississippi | 85 | $ 22,635,000 | $ 266,000 | $ 239,000 |
| Hinds County Mississippi | 77 | $ 7,685,000 | $ 99,000 | $ 76,000 |
| Forrest County Mississippi | 69 | $ 9,915,000 | $ 143,000 | $ 169,000 |
| Jackson County Mississippi | 68 | $ 11,720,000 | $ 172,000 | $ 128,000 |
| Okaloosa County Florida | 65 | $ 54,235,000 | $ 834,000 | $ 249,000 |
| Escambia County Florida | 60 | $ 12,380,000 | $ 206,000 | $ 203,000 |
| Hancock County Mississippi | 49 | $ 9,375,000 | $ 191,000 | $ 126,000 |
| Rankin County Mississippi | 48 | $ 8,500,000 | $ 177,000 | $ 99,000 |
| Jones County Mississippi | 47 | $ 5,605,000 | $ 119,000 | $ 123,000 |
| Santa Rosa County Florida | 44 | $ 11,530,000 | $ 262,000 | $ 172,000 |
| Lowndes County Georgia | 43 | $ 8,835,000 | $ 205,000 | $ 267,000 |
| Tangipahoa County Louisiana | 43 | $ 6,335,000 | $ 147,000 | $ 125,000 |
| Madison County Mississippi | 42 | $ 18,580,000 | $ 442,000 | $ 245,000 |
| Leon County Florida | 39 | $ 7,435,000 | $ 190,000 | $ 200,000 |
| East Baton Rouge County Louisiana | 38 | $ 6,830,000 | $ 179,000 | $ 174,000 |
| Walton County Florida | 37 | $ 23,945,000 | $ 647,000 | $ 565,000 |
| Colquitt County Georgia | 37 | $ 9,945,000 | $ 268,000 | $ 231,000 |
| Jefferson County Louisiana | 34 | $ 15,120,000 | $ 444,000 | $ 326,000 |
| Orleans County Louisiana | 33 | $ 9,395,000 | $ 284,000 | $ 213,000 |
| Thomas County Georgia | 24 | $ 2,530,000 | $ 105,000 | $ 102,000 |
| St. Tammany County Louisiana | 23 | $ 5,675,000 | $ 246,000 | $ 191,000 |
| Livingston County Louisiana | 21 | $ 5,165,000 | $ 245,000 | $ 131,000 |
| Liberty County Georgia | 17 | $ 2,805,000 | $ 165,000 | $ 127,000 |
| Wayne County Georgia | 17 | $ 1,725,000 | $ 101,000 | $ 184,000 |
| Iberville County Louisiana | 16 | $ 1,390,000 | $ 86,000 | $ 126,000 |
| Stone County Mississippi | 16 | $ 2,500,000 | $ 156,000 | $ 97,000 |
| Webster County Mississippi | 16 | $ 3,160,000 | $ 197,000 | $ 84,000 |
| Fulton County Georgia | 14 | $ 3,950,000 | $ 282,000 | $ 333,000 |
| Ascension County Louisiana | 13 | $ 2,085,000 | $ 160,000 | $ 200,000 |
| Assumption County Louisiana | 13 | $ 1,535,000 | $ 118,000 | $ 88,000 |
| Pearl River County Mississippi | 13 | $ 1,365,000 | $ 105,000 | $ 128,000 |
| Jefferson County Florida | 12 | $ 2,210,000 | $ 184,000 | $ 151,000 |
| Washington County Alabama | 11 | $ 955,000 | $ 86,000 | $ 74,000 |
| Bay County Florida | 10 | $ 3,290,000 | $ 329,000 | $ 230,000 |
| Clayton County Georgia | 10 | $ 2,230,000 | $ 223,000 | $ 110,000 |
| Oktibbeha County Mississippi | 9 | $ 1,815,000 | $ 201,000 | $ 167,000 |
| Perry County Mississippi | 9 | $ 1,425,000 | $ 158,000 | $ 133,000 |
| Henry County Georgia | 8 | $ 1,020,000 | $ 127,000 | $ 101,000 |
| Lawrence County Mississippi | 8 | $ 600,000 | $ 75,000 | $ 64,000 |
| Lowndes County Mississippi | 8 | $ 1,040,000 | $ 130,000 | $ 92,000 |
| Forsyth County Georgia | 7 | $ 895,000 | $ 127,000 | $ 147,000 |
| Tift County Georgia | 7 | $ 1,665,000 | $ 237,000 | $ 207,000 |
| Covington County Mississippi | 7 | $ 1,885,000 | $ 269,000 | $ 145,000 |
| Hillsborough County Florida | 6 | $ 4,510,000 | $ 751,000 | $ 285,000 |
| Camden County Georgia | 6 | $ 890,000 | $ 148,000 | $ 71,000 |
| Glynn County Georgia | 6 | $ 1,930,000 | $ 321,000 | $ 1,767,000 |
| Bryan County Georgia | 5 | $ 445,000 | $ 89,000 | $ 79,000 |
| Chatham County Georgia | 5 | $ 995,000 | $ 199,000 | $ 320,000 |
| McIntosh County Georgia | 5 | $ 205,000 | $ 41,000 | $ 47,000 |
| West Baton Rouge County Louisiana | 5 | $ 585,000 | $ 117,000 | $ 85,000 |
| Copiah County Mississippi | 5 | $ 505,000 | $ 101,000 | $ 107,000 |
| Jasper County Mississippi | 5 | $ 1,015,000 | $ 203,000 | $ 122,000 |
| Winston County Mississippi | 5 | $ 355,000 | $ 71,000 | $ 47,000 |
| Duval County Florida | 4 | $ 3,640,000 | $ 910,000 | $ 148,000 |
| Pinellas County Florida | 4 | $ 2,420,000 | $ 605,000 | $ 458,000 |
| St. Johns County Florida | 4 | $ 3,810,000 | $ 952,000 | $ 2,182,000 |
| Wakulla County Florida | 4 | $ 520,000 | $ 130,000 | $ 154,000 |
| Bulloch County Georgia | 4 | $ 140,000 | $ 35,000 | $ 46,000 |
| Butts County Georgia | 4 | $ 660,000 | $ 165,000 | $ 145,000 |
| Carroll County Georgia | 4 | $ 1,360,000 | $ 340,000 | $ 184,000 |
| Cherokee County Georgia | 4 | $ 890,000 | $ 222,000 | $ 131,000 |
| Cook County Georgia | 4 | $ 330,000 | $ 82,000 | $ 44,000 |
| Fayette County Georgia | 4 | $ 660,000 | $ 165,000 | $ 102,000 |
| Grady County Georgia | 4 | $ 2,350,000 | $ 587,000 | $ 816,000 |
| Leflore County Mississippi | 4 | $ 360,000 | $ 90,000 | $ 62,000 |
| Simpson County Mississippi | 4 | $ 740,000 | $ 185,000 | $ 69,000 |
| Montgomery County Alabama | 3 | $ 545,000 | $ 181,000 | $ 84,000 |
| Brooks County Georgia | 3 | $ 285,000 | $ 95,000 | $ 87,000 |
| Cobb County Georgia | 3 | $ 1,325,000 | $ 441,000 | $ 142,000 |
| DeKalb County Georgia | 3 | $ 1,375,000 | $ 458,000 | $ 160,000 |
| Long County Georgia | 3 | $ 245,000 | $ 81,000 | $ 108,000 |
| Spalding County Georgia | 3 | $ 335,000 | $ 111,000 | $ 0 |
| Ware County Georgia | 3 | $ 95,000 | $ 31,000 | $ 47,000 |
| Worth County Georgia | 3 | $ 805,000 | $ 268,000 | $ 155,000 |
| Clay County Mississippi | 3 | $ 415,000 | $ 138,000 | $ 74,000 |
| Lafayette County Mississippi | 3 | $ 745,000 | $ 248,000 | $ 91,000 |
| Monroe County Mississippi | 3 | $ 335,000 | $ 111,000 | $ 129,000 |
| Jefferson County Alabama | 2 | $ 550,000 | $ 275,000 | $ 158,000 |
| Franklin County Florida | 2 | $ 970,000 | $ 485,000 | $ 285,000 |
| Martin County Florida | 2 | $ 1,100,000 | $ 550,000 | $ 401,000 |
| Polk County Florida | 2 | $ 420,000 | $ 210,000 | $ 84,000 |
| Brantley County Georgia | 2 | $ 60,000 | $ 30,000 | $ 63,000 |
| Effingham County Georgia | 2 | $ 230,000 | $ 115,000 | $ 411,000 |
| Haralson County Georgia | 2 | $ 1,140,000 | $ 570,000 | $ 216,000 |
| Jasper County Georgia | 2 | $ 360,000 | $ 180,000 | $ 55,000 |
| Lanier County Georgia | 2 | $ 160,000 | $ 80,000 | $ 208,000 |
| Pierce County Georgia | 2 | $ 50,000 | $ 25,000 | $ 37,000 |
| St. Bernard County Louisiana | 2 | $ 380,000 | $ 190,000 | $ 198,000 |
| Lauderdale County Mississippi | 2 | $ 100,000 | $ 50,000 | $ 48,000 |
| Marion County Mississippi | 2 | $ 590,000 | $ 295,000 | $ 375,000 |
| Walthall County Mississippi | 2 | $ 230,000 | $ 115,000 | $ 52,000 |
| Yazoo County Mississippi | 2 | $ 70,000 | $ 35,000 | $ 80,000 |
| Autauga County Alabama | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Choctaw County Alabama | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
| Escambia County Alabama | 1 | $ 205,000 | $ 205,000 | $ 88,000 |
| Lee County Alabama | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Clay County Florida | 1 | $ 255,000 | $ 255,000 | $ 99,000 |
| Gulf County Florida | 1 | $ 355,000 | $ 355,000 | $ 309,000 |
| Lake County Florida | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Madison County Florida | 1 | $ 405,000 | $ 405,000 | $ 1,110,000 |
| Putnam County Florida | 1 | $ 415,000 | $ 415,000 | $ 484,000 |
| Berrien County Georgia | 1 | $ 275,000 | $ 275,000 | $ 67,000 |
| Catoosa County Georgia | 1 | $ 95,000 | $ 95,000 | $ 71,000 |
| Clinch County Georgia | 1 | $ 35,000 | $ 35,000 | $ 63,000 |
| Coweta County Georgia | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Dawson County Georgia | 1 | $ 55,000 | $ 55,000 | $ 152,000 |
| Decatur County Georgia | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Echols County Georgia | 1 | $ 15,000 | $ 15,000 | $ 70,000 |
| Franklin County Georgia | 1 | $ 6,005,000 | $ 6,005,000 | $ 0 |
| Greene County Georgia | 1 | $ 75,000 | $ 75,000 | $ 71,000 |
| Hall County Georgia | 1 | $ 155,000 | $ 155,000 | $ 116,000 |
| Mitchell County Georgia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Newton County Georgia | 1 | $ 195,000 | $ 195,000 | $ 129,000 |
| Screven County Georgia | 1 | $ 15,000 | $ 15,000 | $ 61,000 |
| Sumter County Georgia | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| Towns County Georgia | 1 | $ 255,000 | $ 255,000 | $ 1,259,000 |
| Beauregard County Louisiana | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Lafayette County Louisiana | 1 | $ 1,645,000 | $ 1,645,000 | $ 252,000 |
| Lafourche County Louisiana | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| St. Charles County Louisiana | 1 | $ 585,000 | $ 585,000 | $ 0 |
| St. John the Baptist County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 85,000 |
| Attala County Mississippi | 1 | $ 385,000 | $ 385,000 | $ 155,000 |
| Chickasaw County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 100,000 |
| Choctaw County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Claiborne County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 246,000 |
| Jefferson Davis County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 109,000 |
| Lincoln County Mississippi | 1 | $ 195,000 | $ 195,000 | $ 114,000 |
| Montgomery County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 67,000 |
| Newton County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Pike County Mississippi | 1 | $ 215,000 | $ 215,000 | $ 85,000 |
| Pontotoc County Mississippi | 1 | $ 215,000 | $ 215,000 | $ 126,000 |
| Scott County Mississippi | 1 | $ 205,000 | $ 205,000 | $ 99,000 |
| Smith County Mississippi | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Wayne County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| Beaufort County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Collin County Texas | 1 | $ 505,000 | $ 505,000 | $ 1,417,000 |
| Summit County Utah | 1 | $ 2,025,000 | $ 2,025,000 | $ 1,015,000 |
Mortgage Loan Application Detail Totals for The First Bank in 2023
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 | 848 | $279,980,000 | $330,000 | $31,005,000 | $194,000 | $8,263,000 |
| Refinancing | 397 | $85,555,000 | $215,000 | $6,005,000 | $207,000 | $5,817,000 |
| Home Improvement | 260 | $35,930,000 | $138,000 | $2,505,000 | $164,000 | $1,399,000 |
| Other Purpose | 240 | $32,750,000 | $136,000 | $2,505,000 | $194,000 | $7,584,000 |
| Cash-out Refinancing | 41 | $8,185,000 | $199,000 | $545,000 | $97,000 | $368,000 |
| 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 | 1,119 | $249,925,000 | $223,000 | $2,505,000 | $210,000 | $7,584,000 |
| Not applicable | 227 | $112,285,000 | $494,000 | $31,005,000 | $0 | $0 |
| Black or African American | 225 | $34,165,000 | $151,000 | $1,285,000 | $130,000 | $8,263,000 |
| Not Provided | 144 | $29,760,000 | $206,000 | $1,475,000 | $129,000 | $1,284,000 |
| Hispanic | 34 | $6,540,000 | $192,000 | $735,000 | $122,000 | $800,000 |
| Asian | 31 | $7,475,000 | $241,000 | $1,495,000 | $263,000 | $964,000 |
| American Indian or Alaskan Native | 5 | $2,075,000 | $415,000 | $1,155,000 | $87,000 | $206,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $175,000 | $175,000 | $175,000 | $58,000 | $58,000 |
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) | 1,503 | $377,955,000 | $251,000 | $31,005,000 | $213,000 | $8,263,000 |
| FHA-insured (Federal Housing Administration) | 212 | $41,240,000 | $194,000 | $465,000 | $70,000 | $247,000 |
| VA-guaranteed (Veterans Administration) | 44 | $17,640,000 | $400,000 | $1,155,000 | $142,000 | $445,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $5,565,000 | $206,000 | $1,155,000 | $75,000 | $109,000 |
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 | 1,350 | $354,450,000 | $262,000 | $31,005,000 | $202,000 | $8,263,000 |
| Application Withdrawn By Applicant | 228 | $58,570,000 | $256,000 | $2,505,000 | $213,000 | $7,584,000 |
| Application Denied By Financial Institution | 191 | $26,065,000 | $136,000 | $1,205,000 | $91,000 | $626,000 |
| Application Approved But Not Accepted | 9 | $2,085,000 | $231,000 | $515,000 | $127,000 | $225,000 |
| File Closed For Incompleteness | 7 | $935,000 | $133,000 | $275,000 | $59,000 | $124,000 |
| Loan Purchased By The Institution | 1 | $295,000 | $295,000 | $295,000 | $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 | 1,595 | $416,335,000 | $261,000 | $31,005,000 | $203,000 | $8,263,000 |
| Debt-To-Income Ratio | 99 | $14,075,000 | $142,000 | $1,205,000 | $76,000 | $610,000 |
| Credit History | 45 | $3,385,000 | $75,000 | $275,000 | $74,000 | $370,000 |
| Collateral | 21 | $2,505,000 | $119,000 | $275,000 | $126,000 | $603,000 |
| Other | 12 | $2,080,000 | $173,000 | $525,000 | $155,000 | $416,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,725,000 | $345,000 | $725,000 | $147,000 | $261,000 |
| Unverifiable Information | 4 | $890,000 | $222,000 | $555,000 | $99,000 | $156,000 |
| Credit Application Incomplete | 3 | $765,000 | $255,000 | $505,000 | $263,000 | $626,000 |
| Employment History | 2 | $640,000 | $320,000 | $325,000 | $110,000 | $151,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First Bank's 2023 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.
For a list of all lenders in Mississippi, download the full spreadsheet
with aggregated HMDA statistics today.