First Federal Savings and Loan Association of Pascagoula - Moss Point Mortgage Lending & HMDA Data, 2017
In 2017, First Federal Savings and Loan Association of Pascagoula - Moss Point of Pascagoula, MS reported 278 mortgage applications totaling $45.6 million, down 6% from 2016. The average application was for $164,107, and applicants reported an average income of $95,341. 77% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Gulfport-Biloxi-Pascagoula, MS (217), Mobile, AL (4) and Daphne-Fairhope-Foley, AL (1) (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 | 278 |
| Total Mortgage Loan Application Amount | $45,622,000 |
| Average Mortgage Loan Application Amount | $164,107 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $95,341 |
| Highest Applicant Income | $547,000 |
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Association of Pascagoula - Moss Point filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 198 | $ 31,642,000 | $ 159,808 | $ 94,000 |
| George, Mississippi | 34 | $ 5,965,000 | $ 175,441 | $ 103,000 |
| Harrison, Mississippi | 17 | $ 3,124,000 | $ 183,764 | $ 86,000 |
| Greene, Mississippi | 9 | $ 1,707,000 | $ 189,666 | $ 136,000 |
| Mobile, Alabama | 4 | $ 1,230,000 | $ 307,500 | $ 123,000 |
| Hancock, Mississippi | 2 | $ 370,000 | $ 185,000 | $ 97,000 |
| Stone, Mississippi | 2 | $ 351,000 | $ 175,500 | $ 131,000 |
| Baldwin, Alabama | 1 | $ 167,000 | $ 167,000 | $ 86,000 |
| Pearl River, Mississippi | 1 | $ 150,000 | $ 150,000 | $ 89,000 |
| Perry, Mississippi | 1 | $ 70,000 | $ 70,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for First Federal Savings and Loan Association of Pascagoula - Moss Point in 2017
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 | 187 | $32,996,000 | $176,000 | $750,000 | $100,000 | $547,000 |
| Refinancing | 63 | $9,716,000 | $154,000 | $600,000 | $87,000 | $525,000 |
| Home Improvement | 28 | $2,910,000 | $103,000 | $276,000 | $83,000 | $228,000 |
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 | 244 | $41,276,000 | $169,000 | $750,000 | $99,000 | $547,000 |
| Black or African American | 26 | $3,019,000 | $116,000 | $280,000 | $61,000 | $122,000 |
| Asian | 5 | $867,000 | $173,000 | $220,000 | $95,000 | $187,000 |
| Hispanic | 2 | $390,000 | $195,000 | $240,000 | $52,000 | $76,000 |
| American Indian or Alaskan Native | 1 | $70,000 | $70,000 | $70,000 | $48,000 | $48,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 278 | $45,622,000 | $164,000 | $750,000 | $95,000 | $547,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 214 | $36,426,000 | $170,000 | $750,000 | $98,000 | $547,000 |
| Application Denied By Financial Institution | 36 | $5,412,000 | $150,000 | $600,000 | $83,000 | $525,000 |
| Application Approved But Not Accepted | 14 | $1,963,000 | $140,000 | $365,000 | $102,000 | $254,000 |
| Application Withdrawn By Applicant | 8 | $1,287,000 | $160,000 | $300,000 | $98,000 | $205,000 |
| Preapproval Denied by Financial Institution | 5 | $510,000 | $102,000 | $200,000 | $48,000 | $90,000 |
| File Closed For Incompleteness | 1 | $24,000 | $24,000 | $24,000 | $16,000 | $16,000 |
| 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 | 30 | $4,799,000 | $159,000 | $600,000 | $88,000 | $525,000 |
| Debt-To-Income Ratio | 5 | $480,000 | $96,000 | $200,000 | $58,000 | $97,000 |
| Collateral | 4 | $423,000 | $105,000 | $145,000 | $57,000 | $117,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $70,000 | $70,000 | $70,000 | $26,000 | $26,000 |
| Other | 1 | $150,000 | $150,000 | $150,000 | $28,000 | $28,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2017 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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