# Community Bank of Mississippi

> **Canonical URL:** https://saferate.com/lenders/community-bank-of-mississippi


> **📋 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


Community Bank of Mississippi is a bank, headquartered in Flowood, MS, serving borrowers across 9 states, with 1,246 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 76% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493005QK4NV0ZZ5EM64
- **Headquarters:** Flowood, MS
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** AL, AR, FL, GA, LA, MS, OH, TN, TX
- **Markets (MSAs):** 11
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.506%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,309
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,246
- **Dollar Volume:** $303 million
- **Applications Received:** 1,632
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $243,090
- **Average Borrower Income:** $166,715
- **Average Property Value:** $351,629

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 982 | +0.598% | $2,407 | Strong 😀 |
| FHA | 73/100 | 177 | +0.250% | $2,031 | Strong 😀 |
| VA | 68/100 | 41 | -0.272% | $1,085 | Strong 😀 |
| Jumbo | 45/100 | 18 | +0.871% | $7,274 | Sound ☺️ |
| USDA | 78/100 | 28 | +0.053% | $348 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 619 loans, Score: 72/100 (Strong)
- Refinance: 363 loans, Score: 79/100 (Strong)

**FHA:**
- Purchase: 168 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 39 loans, Score: 68/100 (Strong)

**USDA:**
- Purchase: 28 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 74/100 | 871 | $248M | +0.448% | Strong 😀 |
| Refinance | 78/100 | 375 | $55M | +0.760% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MS | 971 | 3.89% | 95/100 |
| AL | 135 | 0.23% | 70/100 |
| FL | 112 | 0.04% | 57/100 |
| TN | 18 | 0.02% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 478 | 73/100 |
| Jackson, MS | MS | 284 | 90/100 |
| Gulfport | MS | 115 | 83/100 |
| Daphne | AL | 68 | 71/100 |
| Memphis, TN |  | 57 | 62/100 |
| Hattiesburg, MS | MS | 56 | 78/100 |
| Crestview | FL | 55 | 70/100 |
| Mobile, AL | AL | 44 | 68/100 |
| Panama City | FL | 43 | 66/100 |
| Birmingham, AL | AL | 16 | 47/100 |
| Pensacola | FL | 13 | 44/100 |

## Where This Lender Ranks

Community Bank of Mississippi appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Mississippi for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/mississippi/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Jackson, MS for FHA Loans
  - [View Full Rankings](https://saferate.com/jackson-ms/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Jackson, MS for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/jackson-ms/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Gulfport for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/gulfport/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Hattiesburg, MS for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Mississippi for FHA Loans
  - [View Full Rankings](https://saferate.com/mississippi/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in Gulfport Banks
  - [View Full Rankings](https://saferate.com/gulfport/best-mortgage-lenders/banks)
- 🏆 **#5** in Jackson, MS Banks
  - [View Full Rankings](https://saferate.com/jackson-ms/best-mortgage-lenders/banks)
- 🏆 **#5** in Gulfport for FHA Loans
  - [View Full Rankings](https://saferate.com/gulfport/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Mobile, AL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/mobile-al/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Jackson, MS for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/jackson-ms/best-mortgage-lenders/banks/va-loans)
- 🏆 **#6** in Jackson, MS for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/jackson-ms/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#6** in Hattiesburg, MS Banks
  - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/banks)
- 🏆 **#6** in Hattiesburg, MS for FHA Loans
  - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Mississippi for Jumbo Loans
  - [View Full Rankings](https://saferate.com/mississippi/best-mortgage-lenders/jumbo-loans)
- 🏆 **#7** in Mississippi for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/mississippi/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#7** in Daphne Banks
  - [View Full Rankings](https://saferate.com/daphne/best-mortgage-lenders/banks)
- 🏆 **#7** in Memphis, TN for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#7** in Panama City Banks
  - [View Full Rankings](https://saferate.com/panama-city/best-mortgage-lenders/banks)
- 🏆 **#9** in Mississippi Banks
  - [View Full Rankings](https://saferate.com/mississippi/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does Community Bank of Mississippi offer?

Community Bank of Mississippi offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Community Bank of Mississippi offer mortgages?

Community Bank of Mississippi offers mortgages in 9 states: AL, AR, FL, GA, LA, MS, OH, TN, TX.

### How competitive are Community Bank of Mississippi's mortgage rates?

Community Bank of Mississippi has a pricing score of 24/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.506% above market average.

### What type of lender is Community Bank of Mississippi?

Community Bank of Mississippi is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Flowood, MS.

### What is Community Bank of Mississippi's loan approval success rate?

Community Bank of Mississippi has a pull-through score of 82/100 (Exceptional). 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/community-bank-of-mississippi

### How to Cite

> "Community Bank of Mississippi Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/community-bank-of-mississippi

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