First Federal Savings and Loan Association of Pascagoula - Moss Point Mortgage Lending & HMDA Data, 2021
In 2021, First Federal Savings and Loan Association of Pascagoula - Moss Point of Pascagoula, MS reported 422 mortgage applications totaling $82.5 million, down 6% from 2020. The average application was for $195,450, and applicants reported an average income of $119,924. 75% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Gulfport-Biloxi-Pascagoula, MS (340), Mobile, AL (10) 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 | 422 |
| Total Mortgage Loan Application Amount | $82,480,000 |
| Average Mortgage Loan Application Amount | $195,450 |
| Highest Mortgage Loan Application Amount | $655,000 |
| Average Applicant Income | $119,924 |
| Highest Applicant Income | $3,643,000 |
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Association of Pascagoula - Moss Point filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 300 | $ 56,680,000 | $ 188,933 | $ 121,000 |
| Harrison, Mississippi | 37 | $ 9,105,000 | $ 246,081 | $ 144,000 |
| George, Mississippi | 33 | $ 6,995,000 | $ 211,969 | $ 117,000 |
| Mobile, Alabama | 10 | $ 2,220,000 | $ 222,000 | $ 101,000 |
| Greene, Mississippi | 5 | $ 855,000 | $ 171,000 | $ 102,000 |
| Baldwin, Alabama | 3 | $ 905,000 | $ 301,666 | $ 334,000 |
| Oktibbeha, Mississippi | 2 | $ 350,000 | $ 175,000 | $ 82,000 |
| Stone, Mississippi | 2 | $ 480,000 | $ 240,000 | $ 109,000 |
| Escambia, Alabama | 1 | $ 135,000 | $ 135,000 | $ 105,000 |
| Monroe, Alabama | 1 | $ 245,000 | $ 245,000 | $ 159,000 |
| Walton, Florida | 1 | $ 255,000 | $ 255,000 | $ 69,000 |
| Hancock, Mississippi | 1 | $ 285,000 | $ 285,000 | $ 123,000 |
| Lafayette, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 91,000 |
| Lamar, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 111,000 |
| Lincoln, Mississippi | 1 | $ 185,000 | $ 185,000 | $ 108,000 |
| Rankin, Mississippi | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Shelby, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for First Federal Savings and Loan Association of Pascagoula - Moss Point in 2021
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 | 245 | $52,225,000 | $213,000 | $655,000 | $128,000 | $3,643,000 |
| Cash-out Refinancing | 120 | $20,810,000 | $173,000 | $645,000 | $110,000 | $809,000 |
| Refinancing | 37 | $6,125,000 | $165,000 | $555,000 | $104,000 | $508,000 |
| Home Improvement | 20 | $3,320,000 | $166,000 | $555,000 | $110,000 | $225,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 362 | $73,600,000 | $203,000 | $655,000 | $124,000 | $3,643,000 |
| Black or African American | 39 | $5,455,000 | $139,000 | $515,000 | $81,000 | $441,000 |
| Not Provided | 11 | $1,955,000 | $177,000 | $385,000 | $183,000 | $809,000 |
| Hispanic | 5 | $575,000 | $115,000 | $205,000 | $65,000 | $166,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $136,000 | $136,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 422 | $82,480,000 | $195,000 | $655,000 | $120,000 | $3,643,000 |
| 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 | 317 | $63,515,000 | $200,000 | $655,000 | $133,000 | $3,643,000 |
| Application Withdrawn By Applicant | 34 | $6,260,000 | $184,000 | $425,000 | $83,000 | $192,000 |
| Application Denied By Financial Institution | 29 | $5,895,000 | $203,000 | $605,000 | $89,000 | $217,000 |
| Preapproval Denied by Financial Institution | 23 | $3,335,000 | $145,000 | $315,000 | $72,000 | $234,000 |
| Application Approved But Not Accepted | 10 | $1,890,000 | $189,000 | $495,000 | $88,000 | $140,000 |
| Preapproval Approved but not Accepted | 9 | $1,585,000 | $176,000 | $455,000 | $68,000 | $112,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 372 | $74,080,000 | $199,000 | $655,000 | $125,000 | $3,643,000 |
| Credit History | 46 | $7,970,000 | $173,000 | $605,000 | $85,000 | $234,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $200,000 | $100,000 | $115,000 | $55,000 | $98,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $46,000 | $46,000 |
| Collateral | 1 | $165,000 | $165,000 | $165,000 | $36,000 | $36,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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 2021 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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