The First A National Banking Association Mortgage Rates, Fees & Info
Hattiesburg, MSLEI: 5493008OE5JXNTGWD962
Tax ID: 64-0878155
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
The First A National Banking Association is a smaller bank specializing in Home Purchase and Refi loans. The First A National Banking Association has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: New Orleans, Gulfport, Hattiesburg, Crestview, and Pensacola among others. We have data for 57 markets. (Some data included below & more in-depth data is available with an active subscription.)The First A National Banking Association has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.88% | 4/5/25 |
| 30 Year Conventional Purchase | 5.72% | 4/5/25 |
| 30 Year Conventional Refi | 7.04% | 4/5/25 |
| 30 Year Cash-out Refi | 7.10% | 4/5/25 |
| 30 Year FHA Purchase | 6.95% | 4/5/25 |
| 30 Year FHA Refi | 6.84% | 4/5/25 |
| 30 Year VA Purchase | 6.65% | 4/5/25 |
| 30 Year VA Refi | 6.44% | 4/5/25 |
| 30 Year USDA Purchase | 6.65% | 4/5/25 |
| 15 Year Conventional Purchase | 5.24% | 4/5/25 |
| 15 Year Conventional Refi | 8.30% | 4/5/25 |
| 15 Year Cash-out Refi | 8.30% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
The First A National Banking Association Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,207Origination Dollar Volume (All Markets)
$324,785,000Relative Rate
The First A National Banking Association's average 30 year fixed mortgage rate was
6.18%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.37%.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 82 | $35,280,000 | $430,244 | $0 | 8.04% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 144 | $32,790,000 | $227,708 | $0 | 6.93% |
| HATTIESBURG, MS (FHA|USDA|VA) | 119 | $30,675,000 | $257,773 | $0 | 7.37% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 57 | $25,985,000 | $455,877 | $0 | 7.86% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 63 | $21,835,000 | $346,587 | $0 | 7.57% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 67 | $20,925,000 | $312,313 | $0 | 8.42% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 73 | $18,525,000 | $253,767 | $0 | 8.23% |
| MOBILE, AL (FHA|USDA|VA) | 100 | $15,680,000 | $156,800 | $0 | 7.65% |
| JACKSON, MS (FHA|USDA|VA) | 82 | $15,470,000 | $188,659 | $0 | 5.40% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 64 | $12,030,000 | $187,969 | $0 | 6.45% |
| BATON ROUGE, LA (FHA|USDA|VA) | 37 | $10,045,000 | $271,486 | $0 | 7.60% |
| VALDOSTA, GA (FHA|USDA|VA) | 33 | $8,155,000 | $247,121 | $0 | 8.26% |
| Outside of Metro Areas | 31 | $7,935,000 | $255,968 | $0 | 6.85% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $6,505,000 | $6,505,000 | $0 | 7.50% |
| PANAMA CITY, FL (FHA|USDA|VA) | 11 | $6,355,000 | $577,727 | $0 | 8.17% |
| HAMMOND, LA (FHA|USDA|VA) | 39 | $6,155,000 | $157,821 | $0 | 7.59% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $5,205,000 | $5,205,000 | $0 | 7.25% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 3 | $4,825,000 | $1,608,333 | $0 | 8.42% |
| Laurel, MS (FHA|USDA|VA) | 32 | $4,680,000 | $146,250 | $0 | 7.62% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $4,010,000 | $2,005,000 | $0 | 7.75% |
| Moultrie, GA (FHA|USDA|VA) | 21 | $3,705,000 | $176,429 | $0 | 8.35% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $2,670,000 | $333,750 | $0 | 8.00% |
| Thomasville, GA (FHA|USDA|VA) | 13 | $2,375,000 | $182,692 | $0 | 8.15% |
| Starkville, MS (FHA|USDA|VA) | 13 | $2,305,000 | $177,308 | $0 | 8.03% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $2,255,000 | $2,255,000 | $0 | 7.75% |
| BRUNSWICK, GA (FHA|USDA|VA) | 16 | $2,120,000 | $132,500 | $0 | 8.41% |
| Jesup, GA (FHA|USDA|VA) | 13 | $1,735,000 | $133,462 | $0 | 8.44% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $0 | 6.63% |
| Oxford, MS (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $0 | 7.87% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $1,065,000 | $1,065,000 | $0 | 8.00% |
| Picayune, MS (FHA|USDA|VA) | 9 | $935,000 | $103,889 | $0 | 5.58% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $935,000 | $935,000 | $0 | 8.25% |
| Bogalusa, LA (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $0 | 8.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $0 | 7.85% |
| Thomaston, GA (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $0 | 9.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 7 | $725,000 | $103,571 | $0 | 8.54% |
| OCALA, FL (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $0 | 8.50% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $0 | 6.19% |
| HINESVILLE, GA (FHA|USDA|VA) | 9 | $555,000 | $61,667 | $0 | 8.76% |
| Columbus, MS (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $0 | 8.50% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $0 | 7.94% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 8.63% |
| Tifton, GA (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $0 | 7.56% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 7.85% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 8.38% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 7.38% |
| Meridian, MS (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $0 | 5.01% |
| ALBANY, GA (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $0 | 8.33% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 8.13% |
| West Point, MS (FHA|USDA|VA) | 5 | $225,000 | $45,000 | $0 | 8.50% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 5.50% |
| Statesboro, GA (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 8.50% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 8.75% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.95% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.50% |
| Waycross, GA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.50% |
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Product Mix
For 2024, The First A National Banking Association's most frequently originated type of loan was Conventional, with 586 originations. Their 2nd most popular type was HELOC, with 426 originations.
Loan Reason
For 2024, The First A National Banking Association's most frequently cited loan purpose was Home Purchase, with 559 originations. The 2nd most popular reason was Refi, with 363 originations.
Loan Duration/Length
For 2024, The First A National Banking Association's most frequently cited loan duration was 5 Year, with 521 originations. The 2nd most popular length was 30 Year, with 418 originations.
Origination Fees/Closing Costs
The First A National Banking Association's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 365 originations.
Interest Rates
During 2024, The First A National Banking Association's average interest rate for loans was 6.18%, while their most frequently originated rate bucket for loans was Over 8%, with 615 originations.
Loan Sizing
2024 saw The First A National Banking Association place emphasis on $100,000 or less loans with 409 originations, totaling $19,065,000 in origination value.
Applicant Income
The First A National Banking Association lent most frequently to those with incomes in the $250k+ range, with 189 originations. The second most popular income band? $150k-250k, with 176 originations.
Applicant Debt to Income Ratio
The First A National Banking Association lent most frequently to those with DTI ratios of 20-30%, with 179 originations. The next most common DTI ratio? 30-36%, with 145 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications83.57%
The First A National Banking Association has a below average approval rate.
Pick Rate
Approvals leading to origination80.36%
The First A National Banking Association has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,207 | $324,785,000 | $269,085 |