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 score and performance metrics.

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 an overall pricing score of 24.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Community Bank of Mississippi?

Community Bank of Mississippi is a Bank headquartered in Flowood, MS.

Unclaimed

Community Bank of Mississippi

Bank•Flowood, MS•Direct to Consumer

We analyzed every closed loan from Community Bank of Mississippi — 1.2k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Acceptable

vs. all lenders

Pull Through

Exceptional

closing strength

Products

Strong

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

Multi-Region · 10 mkts

Safe Rate Awards⭐FHA Superstar

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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

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Report Card

Community Bank of Mississippi performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Acceptable	Near industry average +50.6 bps above market avg
Pull Through Closing strength	Exceptional	Market Leader Top 20% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Sound	Industry Standard Top 60% of lenders
USDA	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Strong	Highly Competitive Top 40% of lenders Multi-Regional11 markets

Loan Product Performance

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%Above	$2,407Fees
FHA Loans	Strong	Strong	Strong	Strong	177	14.2%	+0.250%Above	$2,031Fees
VA Loans	Strong	Strong	—	Exceptional	41	3.3%	-0.272%Below	$1,085Fees
Jumbo Loans	Acceptable	Sound	—	Acceptable	18	1.4%	+0.871%Above	$7,274Fees
USDA Loans	Strong	Strong	—	Strong	28	2.2%	+0.053%Above	$348Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Strong	871	69.9%	+0.448%Above	$2,327Fees
Refinance	Sound	Strong	Mediocre	Exceptional	375	30.1%	+0.760%Above	$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

States Served

We count Washington DC as a state

Avg Place Specialization

Strong

States with Loan Originations

ALARFLGALAMSOHTNTX

Top Metro Areas by Place Specialization Score

Jackson, MS, MSMSA

Volume: 284Mix: 22.79%of portfolio

Place

Exceptional

Gulfport, MSMSA

Volume: 115Mix: 9.23%of portfolio

Place

Exceptional

Hattiesburg, MS, MSMSA

Volume: 56Mix: 4.49%of portfolio

Place

Strong

Daphne, ALMSA

Volume: 68Mix: 5.46%of portfolio

Place

Strong

Crestview, FLMSA

Volume: 55Mix: 4.41%of portfolio

Place

Strong

Mobile, AL, ALMSA

Volume: 44Mix: 3.53%of portfolio

Place

Strong

Panama City, FLMSA

Volume: 43Mix: 3.45%of portfolio

Place

Strong

Memphis, TNMSA

Volume: 57Mix: 4.57%of portfolio

Place

Strong

Birmingham, AL, ALMSA

Volume: 16Mix: 1.28%of portfolio

Place

Sound

Pensacola, FLMSA

Volume: 13Mix: 1.04%of portfolio

Place

Sound

Top States by Place Specialization Score

MSState

Volume: 971Mix: 77.93%of portfolio

Place

Exceptional

ALState

Volume: 135Mix: 10.83%of portfolio

Place

Strong

FLState

Volume: 112Mix: 8.99%of portfolio

Place

Sound

TNState

Volume: 18Mix: 1.44%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.