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BankFirst Financial Services
Bank|Columbus, MS|Multi-Region
Loans Originated
441
Applications
577
Volume
$110 million
Offers loans directly to consumers
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Pullthrough Rate
76.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA loans
Report Card
BankFirst Financial Services performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 6 metro areas · 7 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$251,508
Average Borrower Income
$133,546
Average Property Value
$359,263
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | N/A | Strong | 315 | 71.4% | — | — |
FHA Loans | Strong | Strong | N/A | Strong | 107 | 24.3% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | N/A | Strong | 316 | 71.7% | — | — |
Refinance | Sound | Sound | N/A | Strong | 125 | 28.3% | — | — |
Geographic Coverage
Metro Areas
5
States Served
7
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALCAFLINLAMSTN
Top Metro Areas by Place Specialization Score
1
Tuscaloosa, AL, ALMSA
Volume: 94Mix: 21.32%
Place Specialization
Strong
2
Hattiesburg, MS, MSMSA
Volume: 26Mix: 5.90%
Place Specialization
Strong
3
Jackson, MS, MSMSA
Volume: 33Mix: 7.48%
Place Specialization
Strong
4
Memphis, TNMSA
Volume: 30Mix: 6.80%
Place Specialization
Sound
5
Birmingham, AL, ALMSA
Volume: 14Mix: 3.17%
Place Specialization
Sound
Top States by Place Specialization Score
1
MSState
Volume: 258Mix: 58.50%
Place Specialization
Exceptional
2
ALState
Volume: 172Mix: 39.00%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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