At a glance
From its website, read 2 Nov 2026First Federal Savings & Loan Association of Pascagoula-Moss Point is a bank or thrift based in Pascagoula, Mississippi. Its website describes home mortgages. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (228) 762-4034 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.firstwithus.com |
| Office (official list) | 903 Jackson Ave, Pascagoula, MS 39567 |
What their website says about applying
In minutes, you can rate search, apply, and upload documents from your smartphone or computer.
sourcePrint a downloadable version of the mortgage application or apply below.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Term: see their wording | repayment terms up to 10 years, making monthly payments affordable. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 22 Jan 2021 |
| RSSD ID | 90177 |
| Address | 903 Jackson Ave, Pascagoula, MS 39567 Directions (Google Maps) |
| Website | www.firstwithus.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Loan amounts and a stated lending service area were not found on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home mortgages | — | We offer a variety of Fixed Rate and Adjustable Rate Mortgage Loans with various terms and down payment options. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- First-time homebuyers
to assist first-time homebuyers who meet income requirements with up to$20,000.00in down payment assistance and closing costs.
source - Low- and moderate-income / underserved
The funds are awarded on a first-come, first-served basis to qualifying households with income not exceeding 80% of the area median income.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Take the stress out of applying for a mortgage with our convenient and easy mobile and online application.
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$2.3 million in 4 awards from the U.S. Treasury's CDFI Fund, 2020–2023 (Bank Enterprise Award Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2023 | Bank Enterprise Award Program | $259,687 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $15,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $35 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as First Federal Savings and Loan Association (FDIC cert 30812). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $381.4 million (as of 30 Jun 2026) |
|---|---|
| Offices | 6 (as of 30 Oct 2026) |
Offices by state and county (6)
Mississippi (6 offices)
- Jackson County (6): 903 Jackson Ave, Pascagoula 39567 (main office); 1414 Highway 90, Gautier 39553; 21505 Highway 613, Hurley 39555; 4201 Bellview Ave, Moss Point 39563; 3905 Bienville Blvd, Ocean Springs 39564; 10900 Highway 57, Vancleave 39565
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by First Federal Savings and Loan Association (RSSD 90177, FDIC cert 30812). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $308 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Down 2.9% from $317.3 million on 30 Jun 2025 |
| Total assets | $381.4 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $292.6 million | 94.6% |
| Home equity lines of credit | $5.5 million | 1.8% |
| Commercial real estate, construction and multifamily | $9.6 million | 3.1% |
| Consumer loans (credit cards, auto, other) | $1.7 million | 0.6% |
None reported on the 30 Jun 2026 report: commercial and industrial (business) loans; farmland and farm production loans.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 1 loan $50,000 | none reported |
| $100,001 to $250,000 | 1 loan $220,000 | none reported |
| $250,001 to $1 million | none reported | none reported |
| All small business loans | 2 loans $270,000 | none reported |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025First Federal Savings & Loan Association of Pascagoula-Moss Point reported 124 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $22.9M (median loan about $155,000). 68 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 68 | 55% |
| Refinance (incl. 21 cash-out) | 24 | 19% |
| Home improvement | 16 | 13% |
| Other purpose | 16 | 13% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 124 | 100% |
Where the loans were made
Counties with the most 2025 originations, out of 11 counties with at least one; 97% of its 2025 loans were for properties in Mississippi:
- Jackson County, MS (83)
- George County, MS (17)
- Harrison County, MS (10)
- Greene County, MS (4)
- Hancock County, MS (3)
Filed under LEI 54930017IQ4KPG7QW263 as “First Federal Savings and Loan Association of Pascagoula - Moss Point”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $381.4 million | Larger than 45% of the 82 other certified banks and bank holding companies in Mississippi (median $427 million). |
| Loans as a share of assets | 81% | Median of the same 82 banks and bank holding companies: 62%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $317.3 million → $308 million (-3%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +9%. Rank by loans held among these 83: 36 → 36. |
| Home loans originated in 2025 (HMDA) | 124 | More than 52% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Mississippi | 82 | larger than 45% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 36 → 36 of 83 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 52% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Pascagoula and Mississippi
- Merchants & Marine Bancorp, Inc.Bank holding company · Pascagoula, MSOfficial list only
- Merchants & Marine BankBank or thrift · Pascagoula, MSAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
- Bank of AnguillaBank or thrift · Anguilla, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
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