First Federal Savings and Loan Association of Pascagoula - Moss Point Mortgage Lending & HMDA Data, 2022
In 2022, First Federal Savings and Loan Association of Pascagoula - Moss Point of Pascagoula, MS reported 386 mortgage applications totaling $84.9 million, down 9% from 2021. The average application was for $219,922, and applicants reported an average income of $113,510. 73% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Gulfport-Biloxi-Pascagoula, MS (297), Mobile, AL (16) and Daphne-Fairhope-Foley, AL (8) (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 | 386 |
| Total Mortgage Loan Application Amount | $84,890,000 |
| Average Mortgage Loan Application Amount | $219,922 |
| Highest Mortgage Loan Application Amount | $705,000 |
| Average Applicant Income | $113,510 |
| Highest Applicant Income | $1,173,000 |
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Association of Pascagoula - Moss Point filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for First Federal Savings and Loan Association of Pascagoula - Moss Point in 2022
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 | 266 | $68,340,000 | $256,000 | $705,000 | $120,000 | $1,173,000 |
| Cash-out Refinancing | 84 | $11,270,000 | $134,000 | $395,000 | $96,000 | $329,000 |
| Home Improvement | 23 | $3,365,000 | $146,000 | $455,000 | $114,000 | $273,000 |
| Refinancing | 13 | $1,915,000 | $147,000 | $295,000 | $93,000 | $179,000 |
| 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 | 321 | $72,355,000 | $225,000 | $705,000 | $117,000 | $1,173,000 |
| Black or African American | 36 | $5,730,000 | $159,000 | $595,000 | $77,000 | $322,000 |
| Not Provided | 8 | $2,110,000 | $263,000 | $455,000 | $201,000 | $364,000 |
| American Indian or Alaskan Native | 6 | $1,090,000 | $181,000 | $315,000 | $78,000 | $157,000 |
| Asian | 5 | $1,295,000 | $259,000 | $525,000 | $140,000 | $376,000 |
| Hispanic | 4 | $750,000 | $187,000 | $305,000 | $84,000 | $197,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $65,000 | $65,000 |
| 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) | 386 | $84,890,000 | $219,000 | $705,000 | $114,000 | $1,173,000 |
| 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 | 280 | $65,290,000 | $233,000 | $705,000 | $126,000 | $1,173,000 |
| Application Withdrawn By Applicant | 38 | $7,520,000 | $197,000 | $705,000 | $97,000 | $346,000 |
| Application Denied By Financial Institution | 30 | $4,830,000 | $161,000 | $355,000 | $71,000 | $180,000 |
| Preapproval Denied by Financial Institution | 18 | $3,260,000 | $181,000 | $405,000 | $73,000 | $135,000 |
| Preapproval Approved but not Accepted | 10 | $2,140,000 | $214,000 | $455,000 | $77,000 | $152,000 |
| Application Approved But Not Accepted | 10 | $1,850,000 | $185,000 | $375,000 | $86,000 | $161,000 |
| 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 | 345 | $77,505,000 | $224,000 | $705,000 | $118,000 | $1,173,000 |
| Credit History | 39 | $6,835,000 | $175,000 | $405,000 | $76,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $550,000 | $275,000 | $325,000 | $109,000 | $115,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 2022 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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