# BankFirst Financial Services

> **Canonical URL:** https://saferate.com/lenders/bankfirst-financial-services


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


BankFirst Financial Services is a bank, headquartered in Columbus, MS, serving borrowers across 7 states, with 441 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300BR7OTD25RTS027
- **Headquarters:** Columbus, MS
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** AL, CA, FL, IN, LA, MS, TN
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)


### Lending Volume
- **Total Loans:** 441
- **Dollar Volume:** $111 million
- **Applications Received:** 577
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $251,508
- **Average Borrower Income:** $133,546
- **Average Property Value:** $359,263

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 64/100 | 315 | - | - | Strong 😀 |
| FHA | 69/100 | 107 | - | - | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 198 loans, Score: 61/100 (Strong)
- Refinance: 117 loans, Score: 62/100 (Strong)

**FHA:**
- Purchase: 100 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 316 | $94M | - | Strong 😀 |
| Refinance | 59/100 | 125 | $17M | - | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MS | 258 | 1.03% | 81/100 |
| AL | 172 | 0.29% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 221 | 67/100 |
| Tuscaloosa, AL | AL | 94 | 76/100 |
| Jackson, MS | MS | 33 | 60/100 |
| Memphis, TN |  | 30 | 56/100 |
| Hattiesburg, MS | MS | 26 | 64/100 |
| Birmingham, AL | AL | 14 | 47/100 |

## Where This Lender Ranks

BankFirst Financial Services appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#8** in Hattiesburg, MS Banks
  - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/banks)
- 🏆 **#9** in Tuscaloosa, AL Banks
  - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders/banks)
- 🏆 **#9** in Tuscaloosa, AL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#11** in Hattiesburg, MS for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#12** in Hattiesburg, MS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Tuscaloosa, AL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#15** in Jackson, MS for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/jackson-ms/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#17** in Mississippi for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/mississippi/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#17** in Tuscaloosa, AL
  - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders)
- 🏆 **#18** in Jackson, MS Banks
  - [View Full Rankings](https://saferate.com/jackson-ms/best-mortgage-lenders/banks)
- 🏆 **#19** in Jackson, MS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/jackson-ms/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#19** in Hattiesburg, MS
  - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders)
- 🏆 **#20** in Tuscaloosa, AL for FHA Loans
  - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does BankFirst Financial Services offer?

BankFirst Financial Services offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does BankFirst Financial Services offer mortgages?

BankFirst Financial Services offers mortgages in 7 states: AL, CA, FL, IN, LA, MS, TN.

### What type of lender is BankFirst Financial Services?

BankFirst Financial Services is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Columbus, MS.

### What is BankFirst Financial Services's loan approval success rate?

BankFirst Financial Services has a pull-through score of 70/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/bankfirst-financial-services

### How to Cite

> "BankFirst Financial Services Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bankfirst-financial-services

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