First Federal Savings and Loan Association of Pascagoula - Moss Point Mortgage Lending & HMDA Data, 2024
In 2024, First Federal Savings and Loan Association of Pascagoula - Moss Point of Pascagoula, MS reported 257 mortgage applications totaling $49.4 million, down 18% from 2023. The average application was for $192,237, and applicants reported an average income of $124,595. 74% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Gulfport-Biloxi-Pascagoula, MS (195), Mobile, AL (7) 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 | 257 |
| Total Mortgage Loan Application Amount | $49,405,000 |
| Average Mortgage Loan Application Amount | $192,237 |
| Highest Mortgage Loan Application Amount | $655,000 |
| Average Applicant Income | $124,595 |
| Highest Applicant Income | $521,000 |
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Association of Pascagoula - Moss Point filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 195 | $ 35,525,000 | $ 182,179 | $ 120,000 |
| Outside any metro area | 45 | $ 8,915,000 | $ 198,111 | $ 122,888 |
| Mobile, AL | 7 | $ 2,295,000 | $ 327,857 | $ 138,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 1,235,000 | $ 411,666 | $ 190,000 |
| Hattiesburg, MS | 2 | $ 380,000 | $ 190,000 | $ 126,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 380,000 | $ 190,000 | $ 66,000 |
| Jackson, MS | 1 | $ 105,000 | $ 105,000 | $ 410,000 |
| Montgomery, AL | 1 | $ 365,000 | $ 365,000 | $ 433,000 |
| Tuscaloosa, AL | 1 | $ 205,000 | $ 205,000 | $ 377,000 |
Mortgage Loan Application Detail Totals for First Federal Savings and Loan Association of Pascagoula - Moss Point in 2024
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 | 172 | $40,980,000 | $238,000 | $655,000 | $129,000 | $521,000 |
| Home Improvement | 32 | $2,240,000 | $70,000 | $255,000 | $127,000 | $291,000 |
| Other Purpose | 32 | $2,650,000 | $82,000 | $505,000 | $111,000 | $239,000 |
| Cash-out Refinancing | 18 | $2,790,000 | $155,000 | $415,000 | $111,000 | $216,000 |
| Refinancing | 3 | $745,000 | $248,000 | $405,000 | $73,000 | $116,000 |
| 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 | 202 | $40,720,000 | $201,000 | $575,000 | $127,000 | $521,000 |
| Black or African American | 25 | $3,135,000 | $125,000 | $345,000 | $82,000 | $291,000 |
| Not Provided | 23 | $4,675,000 | $203,000 | $655,000 | $142,000 | $291,000 |
| Asian | 4 | $610,000 | $152,000 | $225,000 | $226,000 | $410,000 |
| Hispanic | 3 | $265,000 | $88,000 | $155,000 | $35,000 | $88,000 |
| 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 |
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) | 257 | $49,405,000 | $192,000 | $655,000 | $124,000 | $521,000 |
| 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 | 189 | $37,875,000 | $200,000 | $655,000 | $135,000 | $521,000 |
| Application Denied By Financial Institution | 25 | $3,045,000 | $121,000 | $455,000 | $82,000 | $253,000 |
| Application Withdrawn By Applicant | 19 | $3,425,000 | $180,000 | $445,000 | $103,000 | $216,000 |
| Preapproval Denied by Financial Institution | 10 | $2,060,000 | $206,000 | $385,000 | $84,000 | $291,000 |
| Preapproval Approved but not Accepted | 9 | $1,335,000 | $148,000 | $235,000 | $106,000 | $213,000 |
| Application Approved But Not Accepted | 5 | $1,665,000 | $333,000 | $495,000 | $134,000 | $216,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 231 | $45,395,000 | $196,000 | $655,000 | $128,000 | $521,000 |
| Credit History | 22 | $3,480,000 | $158,000 | $455,000 | $103,000 | $291,000 |
| Collateral | 2 | $230,000 | $115,000 | $155,000 | $68,000 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $175,000 | $175,000 | $175,000 | $112,000 | $112,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $43,000 | $43,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 2024 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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