We analyzed every closed loan from Community Bank of Mississippi — 1.2k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 10 mkts
Awards
FHA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Rates typically 51 basis points above market average
Explore another lender or local market
Report Card
Community Bank of Mississippi performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+50.6 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 11 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 982 | 78.8% | +0.598%Above | $2,407Fees | ||||
FHA Loans | 177 | 14.2% | +0.250%Above | $2,031Fees | ||||
VA Loans | — | 41 | 3.3% | -0.272%Below | $1,085Fees | |||
Jumbo Loans | — | 18 | 1.4% | +0.871%Above | $7,274Fees | |||
USDA Loans | — | 28 | 2.2% | +0.053%Above | $348Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume982
Mix78.8%
Spread
+0.598%Above
Fees
$2,407Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume177
Mix14.2%
Spread
+0.250%Above
Fees
$2,031Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughExceptional
Volume41
Mix3.3%
Spread
-0.272%Below
Fees
$1,085Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume18
Mix1.4%
Spread
+0.871%Above
Fees
$7,274Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume28
Mix2.2%
Spread
+0.053%Above
Fees
$348Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 871 | 69.9% | +0.448%Above | $2,327Fees | ||||
Refinance | 375 | 30.1% | +0.760%Above | $2,227Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume871
Mix69.9%
Spread
+0.448%Above
Fees
$2,327Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughExceptional
Volume375
Mix30.1%
Spread
+0.760%Above
Fees
$2,227Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,246
Applications
1,632
Volume
$302 million
Pricing & Closing
Avg Rate Spread
+0.506%
vs. market APOR
Avg Net Fees
$2,309
Origination − Credits
Pullthrough Rate
76.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$243,090
Avg Borrower Income
$166,715
Avg Property Value
$351,629
Geographic Coverage
Geographic Performance
Metro Areas
10
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
9Midwest1
OH
South8
ALARFLGALAMSTNTX
Top Metro Areas by Place Specialization Score
Volume 284Mix 22.79% of portfolio
90/100
Exceptional
Volume 115Mix 9.23% of portfolio
83/100
Exceptional
Volume 56Mix 4.49% of portfolio
78/100
Strong
Volume 68Mix 5.46% of portfolio
71/100
Strong
Volume 55Mix 4.41% of portfolio
70/100
Strong
Volume 44Mix 3.53% of portfolio
68/100
Strong
Volume 43Mix 3.45% of portfolio
66/100
Strong
Volume 57Mix 4.57% of portfolio
62/100
Strong
Volume 16Mix 1.28% of portfolio
47/100
Sound
Volume 13Mix 1.04% of portfolio
44/100
SoundTop States by Place Specialization Score
1
MississippiState
Volume 971Mix 77.93% of portfolio
95/100
Exceptional2
AlabamaState
Volume 135Mix 10.83% of portfolio
70/100
Strong3
FloridaState
Volume 112Mix 8.99% of portfolio
57/100
Sound4
TennesseeState
Volume 18Mix 1.44% of portfolio
42/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.