Purchase Originations
770
Ranked #471 nationally
Median Total Costs
$4,674
−30.0% vs national ($6,680)
↑ $133 vs prior year
Median Rate
6.795%
+4.7% vs national (6.490%)
↓ 0.080% vs prior year
Median Origination
$1,400
Median Lender Credits
$50
Cost Rank (500+ vol.)
#163
among lenders with 500+ originations
Denial Rate
6.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 568 | 7.000% | $4,127 | $1,400 |
| fha | 147 | 6.125% | $8,205 | $1,795 |
| usda | 34 | 6.125% | $5,968 | $1,400 |
| va | 21 | 6.250% | $4,500 | $0 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,526 | 8.000% | — | 18 | −$1,148 | |
| 2 | $3,575 | 7.300% | — | 13 | −$1,099 | |
| 3 | $3,669 | 7.000% | — | 11 | −$1,005 | |
| 4 | $3,956 | 7.513% | — | 14 | −$718 | |
| 5 | $4,028 | 6.875% | — | 85 | −$646 | |
| 6 | $4,183 | 6.750% | — | 14 | −$491 | |
| 7 | $4,354 | 6.750% | — | 31 | −$320 | |
| 8 | $4,420 | 7.000% | — | 20 | −$254 | |
| 9 | $4,512 | 7.500% | — | 39 | −$162 | |
| 10 | $4,621 | 7.000% | — | 55 | −$53 | |
| 11 | $4,702 | 6.658% | — | 16 | +$28 | |
| 12 | $4,729 | 6.312% | — | 20 | +$55 | |
| 13 | $4,876 | 6.438% | — | 12 | +$202 | |
| 14 | $5,233 | 6.500% | — | 27 | +$559 | |
| 15 | $5,342 | 6.375% | — | 115 | +$668 | |
| 16 | $5,679 | 7.000% | — | 13 | +$1,005 | |
| 17 | $5,723 | 6.375% | — | 27 | +$1,049 | |
| 18 | $6,241 | 6.125% | — | 15 | +$1,567 | |
| 19 | $6,573 | 6.850% | — | 17 | +$1,899 | |
| 20 | $6,733 | 6.250% | — | 29 | +$2,059 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Community Bank of Mississippi | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $4,674 | $7,127 | −$2,453 (−34.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.