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 score and performance metrics.

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 Bank headquartered in Hattiesburg, MS.

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The First Bank

Bank•Hattiesburg, MSHQ•Direct•Reviews near you on Google

We analyzed every closed loan from The First Bank — 409 loans across 604 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

Multi-Region · 10 mkts

Summary

What They Do Well

Particularly strong in FHA and VA and Jumbo and USDA loans

Explore another lender or local market

Report Card

The First Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

No peer data

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 11 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	—	Strong	190	46.5%	—	—
FHA Loans	Strong	Strong	—	Strong	131	32.0%	—	—
VA Loans	Strong	Strong	—	Strong	38	9.3%	—	—
Jumbo Loans	Strong	Strong	—	Sound	25	6.1%	—	—
USDA Loans	Strong	Strong	—	Strong	25	6.1%	—	—

Conventional

Overall

Sound

Product

Sound

Pricing—

Pull Through

Strong

Volume190

Mix46.5%

Spread—

Fees—

FHA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume131

Mix32.0%

Spread—

Fees—

VA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume38

Mix9.3%

Spread—

Fees—

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Sound

Volume25

Mix6.1%

Spread—

Fees—

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume25

Mix6.1%

Spread—

Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	—	Strong	357	87.3%	—	—
Refinance	Sound	Sound	—	Sound	52	12.7%	—	—

Purchase

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume357

Mix87.3%

Spread—

Fees—

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume52

Mix12.7%

Spread—

Fees—

At a Glance

Lender Overview

Lending Activity

Loans Originated

409

Applications

604

Volume

$132 million

Pricing & Closing

Pullthrough Rate

67.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$324,120

Avg Borrower Income

$242,606

Avg Property Value

$432,164

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

South6

ALFLGALAMSNC

Top Metro Areas by Place Specialization Score

1© Patricia H. · CC BY 2.0

Hattiesburg, MSMetro

Volume 51Mix 12.47% of portfolio

79/100

Strong

2© Infrogmation · CC BY-SA 4.0

Gulfport, MSMetro

Volume 60Mix 14.67% of portfolio

74/100

Strong

3© Michael Barera · CC BY-SA 4.0

Jackson, MSMetro

Volume 49Mix 11.98% of portfolio

67/100

Strong

Mobile, ALMetro

Volume 29Mix 7.09% of portfolio

63/100

Strong

Tallahassee, FLMetro

Volume 31Mix 7.58% of portfolio

63/100

Strong

Pensacola, FLMetro

Volume 36Mix 8.80% of portfolio

63/100

Strong

Crestview, FLMetro

Volume 26Mix 6.36% of portfolio

60/100

Sound

Daphne, ALMetro

Volume 16Mix 3.91% of portfolio

51/100

Sound

Hammond, LAMetro

Volume 12Mix 2.93% of portfolio

50/100

Sound

Baton Rouge, LAMetro

Volume 13Mix 3.18% of portfolio

45/100

Sound

Top States by Place Specialization Score

MississippiState

Volume 192Mix 46.94% of portfolio

78/100

Strong

AlabamaState

Volume 56Mix 13.69% of portfolio

62/100

Strong

FloridaState

Volume 105Mix 25.67% of portfolio

60/100

Strong

LouisianaState

Volume 41Mix 10.02% of portfolio

57/100

Sound

GeorgiaState

Volume 14Mix 3.42% of portfolio

42/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.