First Federal Savings and Loan Association of Pascagoula - Moss Point Mortgage Lending & HMDA Data, 2018
In 2018, First Federal Savings and Loan Association of Pascagoula - Moss Point of Pascagoula, MS reported 300 mortgage applications totaling $46.9 million, up 8% from 2017. The average application was for $156,266, and applicants reported an average income of $95,366. 72% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Gulfport-Biloxi-Pascagoula, MS (241), Mobile, AL (12) and Daphne-Fairhope-Foley, AL (3) (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 | 300 |
| Total Mortgage Loan Application Amount | $46,880,000 |
| Average Mortgage Loan Application Amount | $156,266 |
| Highest Mortgage Loan Application Amount | $525,000 |
| Average Applicant Income | $95,366 |
| Highest Applicant Income | $398,000 |
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Association of Pascagoula - Moss Point filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 215 | $ 30,945,000 | $ 143,930 | $ 95,000 |
| George, Mississippi | 31 | $ 5,235,000 | $ 168,870 | $ 98,000 |
| Harrison, Mississippi | 23 | $ 4,995,000 | $ 217,173 | $ 89,000 |
| Mobile, Alabama | 12 | $ 2,500,000 | $ 208,333 | $ 122,000 |
| Baldwin, Alabama | 3 | $ 835,000 | $ 278,333 | $ 93,000 |
| Hancock, Mississippi | 3 | $ 555,000 | $ 185,000 | $ 93,000 |
| Copiah, Mississippi | 1 | $ 175,000 | $ 175,000 | $ 98,000 |
| Forrest, Mississippi | 1 | $ 235,000 | $ 235,000 | $ 161,000 |
| Lincoln, Mississippi | 1 | $ 195,000 | $ 195,000 | $ 98,000 |
| Stone, Mississippi | 1 | $ 175,000 | $ 175,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for First Federal Savings and Loan Association of Pascagoula - Moss Point in 2018
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 | 201 | $35,635,000 | $177,000 | $465,000 | $99,000 | $398,000 |
| Cash-out Refinancing | 45 | $6,085,000 | $135,000 | $435,000 | $89,000 | $327,000 |
| Home Improvement | 31 | $3,005,000 | $96,000 | $525,000 | $77,000 | $201,000 |
| Refinancing | 18 | $1,910,000 | $106,000 | $345,000 | $88,000 | $207,000 |
| Other Purpose | 5 | $245,000 | $49,000 | $85,000 | $147,000 | $231,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 247 | $40,315,000 | $163,000 | $525,000 | $101,000 | $327,000 |
| Black or African American | 40 | $4,970,000 | $124,000 | $465,000 | $74,000 | $398,000 |
| American Indian or Alaskan Native | 3 | $175,000 | $58,000 | $125,000 | $41,000 | $54,000 |
| Asian | 2 | $190,000 | $95,000 | $125,000 | $58,000 | $77,000 |
| Hispanic | 2 | $200,000 | $100,000 | $135,000 | $38,000 | $46,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $22,000 | $22,000 |
| Not Provided | 1 | $355,000 | $355,000 | $355,000 | $94,000 | $94,000 |
| 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) | 300 | $46,880,000 | $156,000 | $525,000 | $95,000 | $398,000 |
| 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 | 215 | $35,625,000 | $165,000 | $525,000 | $104,000 | $398,000 |
| Application Denied By Financial Institution | 39 | $4,385,000 | $112,000 | $465,000 | $70,000 | $327,000 |
| Application Withdrawn By Applicant | 19 | $3,285,000 | $172,000 | $285,000 | $76,000 | $132,000 |
| Application Approved But Not Accepted | 10 | $1,280,000 | $128,000 | $205,000 | $77,000 | $134,000 |
| Preapproval Denied by Financial Institution | 9 | $1,015,000 | $112,000 | $195,000 | $66,000 | $124,000 |
| Preapproval Approved but not Accepted | 6 | $860,000 | $143,000 | $205,000 | $70,000 | $103,000 |
| File Closed For Incompleteness | 2 | $430,000 | $215,000 | $345,000 | $93,000 | $121,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 252 | $41,480,000 | $164,000 | $525,000 | $100,000 | $398,000 |
| Credit History | 38 | $4,030,000 | $106,000 | $465,000 | $64,000 | $152,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $690,000 | $172,000 | $415,000 | $125,000 | $327,000 |
| Other | 2 | $120,000 | $60,000 | $65,000 | $73,000 | $75,000 |
| Debt-To-Income Ratio | 2 | $390,000 | $195,000 | $235,000 | $72,000 | $102,000 |
| Collateral | 1 | $65,000 | $65,000 | $65,000 | $85,000 | $85,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $35,000 | $35,000 |
| 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 2018 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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