Looking for a different lender?
C
Community Bank of Mississippi
Bank|Flowood, MS|Multi-Region
Loans Originated
1,246
Applications
1,632
Volume
$302 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Exceptional
Safe Rate Awards⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.506%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,309
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
76.3%
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 and VA and USDA loans
Things to Think About
- Rates typically 51 basis points above market average
Report Card
Community Bank of Mississippi performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 11 metro areas · 9 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$243,090
Average Borrower Income
$166,715
Average Property Value
$351,629
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Mediocre | Strong | 982 | 78.8% | +0.598% | $2,407 |
FHA Loans | Strong | Strong | Strong | Strong | 177 | 14.2% | +0.250% | $2,031 |
VA Loans | Strong | Strong | N/A | Exceptional | 41 | 3.3% | -0.272% | $1,085 |
Jumbo Loans | Acceptable | Sound | N/A | Acceptable | 18 | 1.4% | +0.871% | $7,274 |
USDA Loans | Strong | Strong | N/A | Strong | 28 | 2.2% | +0.053% | $348 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 871 | 69.9% | +0.448% | $2,327 |
Refinance | Sound | Strong | Mediocre | Exceptional | 375 | 30.1% | +0.760% | $2,227 |
Geographic Coverage
Metro Areas
10
States Served
9
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARFLGALAMSOHTNTX
Top Metro Areas by Place Specialization Score
1
Jackson, MS, MSMSA
Volume: 284Mix: 22.79%
Place Specialization
Exceptional
2
Gulfport, MSMSA
Volume: 115Mix: 9.23%
Place Specialization
Exceptional
3
Hattiesburg, MS, MSMSA
Volume: 56Mix: 4.49%
Place Specialization
Strong
4
Daphne, ALMSA
Volume: 68Mix: 5.46%
Place Specialization
Strong
5
Crestview, FLMSA
Volume: 55Mix: 4.41%
Place Specialization
Strong
6
Mobile, AL, ALMSA
Volume: 44Mix: 3.53%
Place Specialization
Strong
7
Panama City, FLMSA
Volume: 43Mix: 3.45%
Place Specialization
Strong
8
Memphis, TNMSA
Volume: 57Mix: 4.57%
Place Specialization
Strong
9
Birmingham, AL, ALMSA
Volume: 16Mix: 1.28%
Place Specialization
Sound
10
Pensacola, FLMSA
Volume: 13Mix: 1.04%
Place Specialization
Sound
Top States by Place Specialization Score
1
MSState
Volume: 971Mix: 77.93%
Place Specialization
Exceptional
2
ALState
Volume: 135Mix: 10.83%
Place Specialization
Strong
3
FLState
Volume: 112Mix: 8.99%
Place Specialization
Sound
4
TNState
Volume: 18Mix: 1.44%
Place Specialization
Sound
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.
Ready to Get Started?
Compare Community Bank of Mississippi with other lenders or get personalized recommendations.