Compare Mortgage Lenders
Select two lenders to compare side by side using 2023 HMDA federal data: approval rates, denial rates, loan sizes, loan types, and geographic reach.
Key Metrics
| Metric | Community Bank of | BankFirst Financial Services |
|---|---|---|
| Total Applications | 4,507 ▲ | 1,569 |
| Loans Originated | 3,490 | 1,270 |
| Approval Rate (higher is better) | 77.4% | 80.9% ✓ |
| Denial Rate (lower is better) | 7.3% ✓ | 7.9% |
| Avg Loan Amount | $183,853 | $213,419 |
| Avg Interest Rate (lower is better) | 7.957% | 7.492% ✓ |
| Avg Applicant Income | $34,000 | $35,000 |
| Applications Denied | 328 | 124 |
| Applications Withdrawn | 495 | 142 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Community Bank of | BankFirst Financial Services |
|---|---|---|
| Conventional | 4,173 (92.6%) | 1,392 (88.7%) |
| FHA | 240 (5.3%) | 144 (9.2%) |
| VA | 54 (1.2%) | 20 (1.3%) |
| USDA | 40 (0.9%) | 13 (0.8%) |
Loan Purpose Breakdown
| Purpose | Community Bank of | BankFirst Financial Services |
|---|---|---|
| Home Purchase | 1,919 | 699 |
| Refinancing | 1,479 | 521 |
| Other | 554 | 134 |
| Home Improvement | 499 | 189 |
| Cash-out Refinancing | 56 | 26 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Mississippi | 2,730 | #3 |
| State | Originated | Rank |
|---|---|---|
| Mississippi | 851 | #12 |
Summary
- 4,507 total applications · 3,490 originated
- Approval rate: 77.4%
- Denial rate: 7.3%
- Avg loan: $183,853
- Avg rate: 7.957%
- HQ: Flowood, MS
- 1,569 total applications · 1,270 originated
- Approval rate: 80.9%
- Denial rate: 7.9%
- Avg loan: $213,419
- Avg rate: 7.492%
- HQ: Macon, MS
Methodology
Comparisons are drawn from the CFPB 2024 HMDA Snapshot National Loan-Level Dataset, published by the Consumer Financial Protection Bureau and distributed via the FFIEC. Every figure on this page comes from lenders' mandatory HMDA filings — not voluntary marketing claims.
Approval (origination) rate = originated ÷ total applications. Denial rate = denied ÷ total applications. Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes. Denial rates reflect a lender's applicant mix as much as its underwriting stance; compare alongside loan-type mix and geography before drawing conclusions.
Side-by-side comparisons are informational only and do not constitute financial, legal, or mortgage advice. Always obtain and compare written Loan Estimates before applying.