First Federal Savings and Loan Association of Pascagoula - Moss Point Mortgage Lending & HMDA Data, 2013
In 2013, First Federal Savings and Loan Association of Pascagoula - Moss Point of Pascagoula, MS reported 333 mortgage applications totaling $45.8 million, down 22% from 2012. The average application was for $137,438, and applicants reported an average income of $89,759. 77% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Pascagoula, MS (285), Gulfport-Biloxi, MS (27) and Mobile, AL (11) (applications in parentheses).
| Mortgage Company & Address | First Federal Savings and Loan Association of Pascagoula - Moss Point 903 Jackson Avenue Pascagoula, MS 39567 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 333 |
| Total Mortgage Loan Application Amount | $45,767,000 |
| Average Mortgage Loan Application Amount | $137,438 |
| Highest Mortgage Loan Application Amount | $659,000 |
| Average Applicant Income | $89,759 |
| Highest Applicant Income | $1,091,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Federal Savings and Loan Association of Pascagoula - Moss Point filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jackson, Mississippi | 257 | $ 32,637,000 | $ 126,992 | $ 87,000 |
| George, Mississippi | 28 | $ 4,888,000 | $ 174,571 | $ 125,000 |
| Harrison, Mississippi | 24 | $ 4,155,000 | $ 173,125 | $ 87,000 |
| Mobile, Alabama | 11 | $ 2,158,000 | $ 196,181 | $ 89,000 |
| Baldwin, Alabama | 2 | $ 524,000 | $ 262,000 | $ 139,000 |
| Stone, Mississippi | 2 | $ 425,000 | $ 212,500 | $ 52,000 |
| Claiborne, Mississippi | 1 | $ 185,000 | $ 185,000 | $ 115,000 |
| Hancock, Mississippi | 1 | $ 69,000 | $ 69,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for First Federal Savings and Loan Association of Pascagoula - Moss Point in 2013
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 | 163 | $25,445,000 | $156,000 | $659,000 | $90,000 | $1,091,000 |
| Refinancing | 160 | $19,580,000 | $122,000 | $420,000 | $91,000 | $992,000 |
| Home Improvement | 10 | $742,000 | $74,000 | $160,000 | $66,000 | $99,000 |
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 | 270 | $38,374,000 | $142,000 | $629,000 | $90,000 | $1,091,000 |
| Black or African American | 48 | $5,565,000 | $115,000 | $659,000 | $92,000 | $992,000 |
| Hispanic | 8 | $978,000 | $122,000 | $191,000 | $66,000 | $125,000 |
| Asian | 5 | $625,000 | $125,000 | $260,000 | $89,000 | $230,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $75,000 | $75,000 |
| Not Provided | 1 | $150,000 | $150,000 | $150,000 | $117,000 | $117,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 329 | $45,178,000 | $137,000 | $659,000 | $90,000 | $1,091,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $589,000 | $147,000 | $216,000 | $62,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 258 | $35,978,000 | $139,000 | $659,000 | $95,000 | $1,091,000 |
| Application Denied By Financial Institution | 48 | $6,128,000 | $127,000 | $420,000 | $71,000 | $237,000 |
| Application Withdrawn By Applicant | 20 | $2,845,000 | $142,000 | $290,000 | $70,000 | $152,000 |
| Application Approved But Not Accepted | 4 | $590,000 | $147,000 | $291,000 | $103,000 | $250,000 |
| File Closed For Incompleteness | 2 | $164,000 | $82,000 | $100,000 | $42,000 | $50,000 |
| Preapproval Denied by Financial Institution | 1 | $62,000 | $62,000 | $62,000 | $24,000 | $24,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 29 | $3,719,000 | $128,000 | $420,000 | $73,000 | $155,000 |
| Debt-To-Income Ratio | 8 | $719,000 | $89,000 | $174,000 | $21,000 | $39,000 |
| Collateral | 6 | $1,026,000 | $171,000 | $224,000 | $124,000 | $216,000 |
| Other | 3 | $373,000 | $124,000 | $140,000 | $57,000 | $75,000 |
| Employment History | 2 | $191,000 | $95,000 | $129,000 | $12,000 | $24,000 |
| Mortgage Insurance Denied | 1 | $162,000 | $162,000 | $162,000 | $237,000 | $237,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Savings and Loan Association of Pascagoula - Moss Point's 2013 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 First Federal Savings and Loan Association of Pascagoula - Moss Point'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.
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