# The First Bank > **Canonical URL:** https://saferate.com/lenders/the-first-bank > **πŸ“‹ Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible The First Bank is a bank, headquartered in Hattiesburg, MS, serving borrowers across 6 states, with 409 loans originated in the most recent reporting period. **At a Glance:** - **Approval Rate:** Ranks in the top 41% for loan approval success ## Overview - **Institution Type:** Bank - **LEI (Legal Entity Identifier):** 5493008OE5JXNTGWD962 - **Headquarters:** Hattiesburg, MS - **Geographic Reach:** Multi-Region - **States Served:** 6 - **State List:** AL, FL, GA, LA, MS, NC - **Markets (MSAs):** 11 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pull Through: Sound ☺️ - Score: 59/100 - Rating: ●●●○○ (3/5) ### Lending Volume - **Total Loans:** 409 - **Dollar Volume:** $133 million - **Applications Received:** 604 - **Market Share:** 1.00% ## Typical Borrower Profile - **Average Loan Amount:** $324,120 - **Average Borrower Income:** $242,606 - **Average Property Value:** $432,164 ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 57/100 | 190 | - | - | Sound ☺️ | | FHA | 70/100 | 131 | - | - | Strong πŸ˜€ | | VA | 64/100 | 38 | - | - | Strong πŸ˜€ | | Jumbo | 72/100 | 25 | - | - | Strong πŸ˜€ | | USDA | 77/100 | 25 | - | - | Strong πŸ˜€ | ### Product Performance by Purpose **Conventional:** - Purchase: 146 loans, Score: 55/100 (Sound) - Refinance: 44 loans, Score: 45/100 (Sound) **FHA:** - Purchase: 124 loans, Score: 69/100 (Strong) **VA:** - Purchase: 37 loans, Score: 64/100 (Strong) **Jumbo:** - Purchase: 25 loans, Score: 73/100 (Strong) **USDA:** - Purchase: 25 loans, Score: 76/100 (Strong) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 64/100 | 357 | $120M | - | Strong πŸ˜€ | | Refinance | 46/100 | 52 | $13M | - | Sound ☺️ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | MS | 192 | 0.77% | 78/100 | | FL | 105 | 0.04% | 60/100 | | AL | 56 | 0.09% | 62/100 | | LA | 41 | 0.12% | 57/100 | | GA | 14 | 0.01% | 42/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Gulfport | MS | 60 | 74/100 | | Hattiesburg, MS | MS | 51 | 79/100 | | Non | | 50 | 44/100 | | Jackson, MS | MS | 49 | 67/100 | | Pensacola | FL | 36 | 63/100 | | Tallahassee, FL | FL | 31 | 63/100 | | Mobile, AL | AL | 29 | 63/100 | | Crestview | FL | 26 | 60/100 | | Daphne | AL | 16 | 51/100 | | Baton Rouge, LA | LA | 13 | 45/100 | | Hammond, LA | LA | 12 | 50/100 | ## Where This Lender Ranks The First Bank appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯‡ **#1** in Hattiesburg, MS for Jumbo Loans - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/jumbo-loans) - πŸ₯‡ **#1** in Hattiesburg, MS for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/banks/jumbo-loans) - πŸ₯‰ **#3** in Hattiesburg, MS for VA Loans (Banks) - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/banks/va-loans) - πŸ₯‰ **#3** in Hattiesburg, MS for USDA Loans (Banks) - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/banks/usda-loans) - πŸ† **#4** in Hammond, LA for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/hammond-la/best-mortgage-lenders/banks/fha-loans) - πŸ† **#5** in Hattiesburg, MS for USDA Loans - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/usda-loans) - πŸ† **#8** in Mississippi for Jumbo Loans - [View Full Rankings](https://saferate.com/mississippi/best-mortgage-lenders/jumbo-loans) - πŸ† **#8** in Mississippi for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/mississippi/best-mortgage-lenders/banks/jumbo-loans) - πŸ† **#8** in Gulfport for VA Loans (Banks) - [View Full Rankings](https://saferate.com/gulfport/best-mortgage-lenders/banks/va-loans) - πŸ† **#8** in Jackson, MS for USDA Loans (Banks) - [View Full Rankings](https://saferate.com/jackson-ms/best-mortgage-lenders/banks/usda-loans) - πŸ† **#9** in Gulfport for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/gulfport/best-mortgage-lenders/banks/fha-loans) - πŸ† **#9** in Tallahassee, FL Banks - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/banks) - πŸ† **#9** in Tallahassee, FL for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/banks/fha-loans) - πŸ† **#10** in Hattiesburg, MS for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/banks/fha-loans) - πŸ† **#10** in Hattiesburg, MS for VA Loans - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/va-loans) - πŸ† **#12** in Gulfport Banks - [View Full Rankings](https://saferate.com/gulfport/best-mortgage-lenders/banks) - πŸ† **#12** in Hattiesburg, MS Banks - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/banks) - πŸ† **#12** in Jackson, MS for USDA Loans - [View Full Rankings](https://saferate.com/jackson-ms/best-mortgage-lenders/usda-loans) - πŸ† **#12** in Pensacola for VA Loans (Banks) - [View Full Rankings](https://saferate.com/pensacola/best-mortgage-lenders/banks/va-loans) - πŸ† **#12** in Crestview for VA Loans (Banks) - [View Full Rankings](https://saferate.com/crestview/best-mortgage-lenders/banks/va-loans) ## Frequently Asked Questions ### What loan types does The First Bank offer? The First Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does The First Bank offer mortgages? The First Bank offers mortgages in 6 states: AL, FL, GA, LA, MS, NC. ### What type of lender is The First Bank? The First Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Hattiesburg, MS. ### What is The First Bank's loan approval success rate? The First Bank has a pull-through score of 59/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/the-first-bank ### How to Cite > "The First Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-first-bank --- **[View Interactive Profile β†’](https://saferate.com/lenders/the-first-bank)**