First Federal Savings and Loan Association of Pascagoula - Moss Point Mortgage Lending & HMDA Data, 2019
In 2019, First Federal Savings and Loan Association of Pascagoula - Moss Point of Pascagoula, MS reported 354 mortgage applications totaling $59.3 million, up 18% from 2018. The average application was for $167,429, and applicants reported an average income of $101,994. 73% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Gulfport-Biloxi-Pascagoula, MS (293), Mobile, AL (8) 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 | 354 |
| Total Mortgage Loan Application Amount | $59,270,000 |
| Average Mortgage Loan Application Amount | $167,429 |
| Highest Mortgage Loan Application Amount | $655,000 |
| Average Applicant Income | $101,994 |
| Highest Applicant Income | $451,000 |
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Association of Pascagoula - Moss Point filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 293 | $ 48,745,000 | $ 166,365 | $ 102,000 |
| Outside any metro area | 41 | $ 7,335,000 | $ 178,902 | $ 114,000 |
| Mobile, AL | 8 | $ 1,410,000 | $ 176,250 | $ 92,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 695,000 | $ 231,666 | $ 114,000 |
Mortgage Loan Application Detail Totals for First Federal Savings and Loan Association of Pascagoula - Moss Point in 2019
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 | 203 | $38,615,000 | $190,000 | $655,000 | $106,000 | $451,000 |
| Cash-out Refinancing | 102 | $14,440,000 | $141,000 | $585,000 | $97,000 | $370,000 |
| Home Improvement | 33 | $4,265,000 | $129,000 | $505,000 | $102,000 | $320,000 |
| Refinancing | 16 | $1,950,000 | $121,000 | $355,000 | $83,000 | $182,000 |
| 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 | 295 | $52,175,000 | $176,000 | $655,000 | $106,000 | $451,000 |
| Black or African American | 44 | $4,640,000 | $105,000 | $315,000 | $64,000 | $320,000 |
| Not Provided | 7 | $1,395,000 | $199,000 | $355,000 | $129,000 | $229,000 |
| Hispanic | 3 | $345,000 | $115,000 | $165,000 | $65,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 354 | $59,270,000 | $167,000 | $655,000 | $102,000 | $451,000 |
| 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 | 259 | $43,585,000 | $168,000 | $535,000 | $111,000 | $451,000 |
| Application Denied By Financial Institution | 41 | $6,495,000 | $158,000 | $585,000 | $80,000 | $436,000 |
| Application Withdrawn By Applicant | 40 | $7,070,000 | $176,000 | $655,000 | $80,000 | $273,000 |
| Application Approved But Not Accepted | 7 | $925,000 | $132,000 | $525,000 | $59,000 | $138,000 |
| Preapproval Denied by Financial Institution | 6 | $740,000 | $123,000 | $165,000 | $55,000 | $79,000 |
| File Closed For Incompleteness | 1 | $455,000 | $455,000 | $455,000 | $175,000 | $175,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 307 | $52,035,000 | $169,000 | $655,000 | $106,000 | $451,000 |
| Credit History | 27 | $3,405,000 | $126,000 | $315,000 | $69,000 | $236,000 |
| Debt-To-Income Ratio | 11 | $2,325,000 | $211,000 | $515,000 | $61,000 | $109,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $365,000 | $121,000 | $155,000 | $73,000 | $104,000 |
| Other | 2 | $260,000 | $130,000 | $155,000 | $250,000 | $436,000 |
| Collateral | 2 | $190,000 | $95,000 | $105,000 | $63,000 | $76,000 |
| Employment History | 1 | $585,000 | $585,000 | $585,000 | $165,000 | $165,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $59,000 | $59,000 |
| Mortgage Insurance Denied | 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 2019 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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