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First Federal Savings and Loan Association of Pascagoula - Moss Point

Pascagoula, MS

First Federal Savings and Loan Association of Pascagoula - Moss Point processed 257 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 189 loans with a 9.7% denial rate. Home Purchase was the primary loan purpose. Based in Pascagoula, MS. The approval rate of 73.5% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. First Federal Savings and Loan Association of Pascagoula - Moss Point processed 257 HMDA-reported mortgage applications in 2024, originating 189 loans and denying 25 for a denial rate of 9.7% (applicants themselves withdrew 19 files before a decision). The average loan amount was $192,237. The lender reports under LEI 54930017IQ4KPG7QW263 from Pascagoula, MS.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. First Federal Savings and Loan Association of Pascagoula - Moss Point's 73.5% origination rate tells you how often an application turned into funded money; the 9.7% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (257 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

257
Applications
189
Originated
9.7%
Denial Rate
$192,237
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 257 189 25 $192,237

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for First Federal Savings and Loan Association of Pascagoula - Moss Point (LEI: 54930017IQ4KPG7QW263) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
15
Debt-to-income ratio
5
Collateral
2
Insufficient cash
1
Unverifiable information
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 172 126 $238,256
Home Improvement 32 28 $70,000
Other 32 24 $82,813
Cash-out Refinancing 18 11 $155,000
Refinancing 3 0 $248,333

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 201 80.1% 7.5%
Black or African American 26 23.1% 30.8%
Asian 4 100.0% 0.0%
Joint 1 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 221 74.2% 9.9%
Hispanic or Latino 2 50.0% 0.0%
Joint 1 0.0% 100.0%

Nearby Lenders in MS

Other HMDA-reporting lenders in MS with similar activity. Compare any two side-by-side.

Cadence Bank

Tupelo, MS

19,150 apps 12,823 originated 18.2% denied

TRUSTMARK NATIONAL BANK

JACKSON, MS

11,550 apps 8,088 originated 12.3% denied

HANCOCK WHITNEY BANK

GULFPORT, MS

5,857 apps 3,192 originated 20.9% denied

Community Bank of Mississippi

Flowood, MS

4,507 apps 3,490 originated 7.3% denied

BANKPLUS

RIDGELAND, MS

3,698 apps 2,745 originated 10.7% denied
Compare First Federal Savings and Loan Association of Pascagoula - Moss Point vs Cadence Bank →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did First Federal Savings and Loan Association of Pascagoula - Moss Point process?
First Federal Savings and Loan Association of Pascagoula - Moss Point processed 257 mortgage applications in the 2023 HMDA reporting year. Of these, 189 were originated (approved and funded), 19 were withdrawn by the applicant, and 25 were denied.
What is First Federal Savings and Loan Association of Pascagoula - Moss Point's mortgage approval rate?
First Federal Savings and Loan Association of Pascagoula - Moss Point has an approval (origination) rate of 73.5%, meaning 73.5% of all applications resulted in a funded mortgage. The denial rate is 9.7%.
What is the average loan amount at First Federal Savings and Loan Association of Pascagoula - Moss Point?
The average mortgage loan amount at First Federal Savings and Loan Association of Pascagoula - Moss Point is $192,237.
What are the most common reasons for mortgage denial at First Federal Savings and Loan Association of Pascagoula - Moss Point?
The most common reasons for mortgage denial at First Federal Savings and Loan Association of Pascagoula - Moss Point are: Credit history, Debt-to-income ratio, Collateral. In total, 25 applications were denied out of 257 total applications.
What types of mortgage loans does First Federal Savings and Loan Association of Pascagoula - Moss Point offer?
First Federal Savings and Loan Association of Pascagoula - Moss Point processes Conventional loans. The most common type is Conventional with 257 applications and an average loan amount of $192,237.
What loan purposes does First Federal Savings and Loan Association of Pascagoula - Moss Point serve?
First Federal Savings and Loan Association of Pascagoula - Moss Point serves the following loan purposes: Home Purchase (172 applications), Home Improvement (32 applications), Other (32 applications), Cash-out Refinancing (18 applications), Refinancing (3 applications). Home Purchase is the most common purpose.
Where is First Federal Savings and Loan Association of Pascagoula - Moss Point located?
First Federal Savings and Loan Association of Pascagoula - Moss Point is headquartered in Pascagoula, MS. The lender is identified by LEI 54930017IQ4KPG7QW263 in HMDA data.
How does First Federal Savings and Loan Association of Pascagoula - Moss Point compare in lending across racial demographics?
First Federal Savings and Loan Association of Pascagoula - Moss Point reports demographic lending data under HMDA requirements. White applicants have an approval rate of 80.1% and denial rate of 7.5%; Black or African American applicants have an approval rate of 23.1% and denial rate of 30.8%; Asian applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.