Applications / Mortgage Analytics / Lenders / Mississippi / First Federal Savings and Loan Association of Pascagoula - Moss Point
Pascagoula, MS · Savings institution · OCC · $379 million assets · 124 loans in 2025
First Federal Savings and Loan Association of Pascagoula - Moss Point's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
124
loans originated, 2025
158
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Savings and Loan Association of Pascagoula - Moss Point, a small Mississippi lender centered on Gulfport-Biloxi, made a third fewer loans in 2025 while similar lenders grew.
It made 124 loans, down 34%. Similar lenders (savings institutions making between half and twice as many loans) grew 7%, and its fall was among the largest in the group. Its share in Gulfport-Biloxi, where it has lent since at least 1990, fell 0.7 points to 0.8%, ranking it 28 of 319. A fall this size at a small lender can come from a few counties or from a change in what it offers; the figures for one year do not show which.
All its loans were conventional and none was jumbo. Purchases were 54.8%, refinances 19.4%, and home improvement and other purposes 12.9% each. Its typical loan, $155,000, was smaller than at more than four in five similar lenders, where it was $245,000.
Poorer neighborhoods (low- and moderate-income, or LMI, areas) took 4.1% of its loans, against 17.2% at similar lenders, among the lowest in the group. LMI borrowers took 18.6%, against 24.7%. The make-up of the 11 counties where it lends may be one reason. Neighborhoods where most residents belong to minorities took 8.1%, against 5.3%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Federal Savings and Loan Association of Pascagoula - Moss Point took 158 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.8% · Refinance 19.4% · Home improvement 12.9% · Other 12.9%
Conventional 100.0% · of 124 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Mississippi | 120 | 96.8% |
| Alabama | 3 | 2.4% |
| Georgia | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Gulfport-Biloxi | 97 |
| Mobile | 2 |
| Columbus | 1 |
| Hattiesburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930017IQ4KPG7QW263 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 90177 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 45957 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1705957 | 2011–2017 |
Established 28 October 1955. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Federal Savings and Loan Association of Pascagoula - Moss Point's data.
First Federal Savings and Loan Association of Pascagoula - Moss Point's data
$215
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