First Federal Savings and Loan Association of Pascagoula - Moss Point Mortgage Lending & HMDA Data, 2015
In 2015, First Federal Savings and Loan Association of Pascagoula - Moss Point of Pascagoula, MS reported 305 mortgage applications totaling $45.6 million, up 6% from 2014. The average application was for $149,590, and applicants reported an average income of $93,927. 71% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Gulfport-Biloxi-Pascagoula, MS (238), Mobile, AL (12) and Daphne-Fairhope-Foley, AL (2) (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 | 305 |
| Total Mortgage Loan Application Amount | $45,625,000 |
| Average Mortgage Loan Application Amount | $149,590 |
| Highest Mortgage Loan Application Amount | $850,000 |
| Average Applicant Income | $93,927 |
| Highest Applicant Income | $426,000 |
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Association of Pascagoula - Moss Point filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Gulfport-Biloxi-Pascagoula, MS | 238 | $ 35,264,000 | $ 148,168 | $ 90,000 |
| Mobile, AL | 12 | $ 1,790,000 | $ 149,166 | $ 150,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 503,000 | $ 251,500 | $ 69,000 |
| Hattiesburg, MS | 1 | $ 220,000 | $ 220,000 | $ 106,000 |
Mortgage Loan Application Detail Totals for First Federal Savings and Loan Association of Pascagoula - Moss Point in 2015
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 | 206 | $32,665,000 | $158,000 | $534,000 | $95,000 | $426,000 |
| Refinancing | 73 | $10,354,000 | $141,000 | $850,000 | $98,000 | $359,000 |
| Home Improvement | 26 | $2,606,000 | $100,000 | $245,000 | $74,000 | $156,000 |
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 | 266 | $41,555,000 | $156,000 | $850,000 | $99,000 | $426,000 |
| Black or African American | 32 | $3,081,000 | $96,000 | $350,000 | $58,000 | $158,000 |
| Hispanic | 3 | $361,000 | $120,000 | $222,000 | $79,000 | $115,000 |
| Asian | 3 | $538,000 | $179,000 | $280,000 | $58,000 | $66,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $90,000 | $90,000 | $90,000 | $23,000 | $23,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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 | $45,141,000 | $150,000 | $850,000 | $94,000 | $426,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $484,000 | $96,000 | $140,000 | $58,000 | $69,000 |
| 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 | 217 | $33,270,000 | $153,000 | $850,000 | $98,000 | $426,000 |
| Application Denied By Financial Institution | 42 | $5,351,000 | $127,000 | $376,000 | $70,000 | $227,000 |
| Application Approved But Not Accepted | 23 | $3,798,000 | $165,000 | $493,000 | $105,000 | $350,000 |
| Application Withdrawn By Applicant | 15 | $2,066,000 | $137,000 | $251,000 | $92,000 | $206,000 |
| Preapproval Denied by Financial Institution | 6 | $921,000 | $153,000 | $350,000 | $83,000 | $158,000 |
| File Closed For Incompleteness | 2 | $219,000 | $109,000 | $150,000 | $85,000 | $110,000 |
| 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 | 32 | $4,467,000 | $139,000 | $376,000 | $74,000 | $227,000 |
| Debt-To-Income Ratio | 11 | $1,257,000 | $114,000 | $255,000 | $52,000 | $134,000 |
| Other | 3 | $280,000 | $93,000 | $165,000 | $88,000 | $167,000 |
| Collateral | 2 | $268,000 | $134,000 | $168,000 | $126,000 | $140,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2015 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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