Community Bank of Mississippi in Alabama vs the state
9.6%Denial rate-10.28 pts vs state
10.4%Decision denial rate-14.64 pts vs state
76.7%Origination rate+21.29 pts vs state
7.25%Median rate+0.75 pts vs state
0.41Rate spread (pts)+0.13 pts vs state
$148kMedian applicant income
513Loans originated
64Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 517 | 389 | 5.6% | 7.05% | #69 |
| 2024 | 562 | 431 | 6.9% | 8.00% | #68 |
| 2025 | 669 | 513 | 9.6% | 7.25% | #70 |
What Community Bank of Mississippi lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Community Bank of Mississippi applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 250 | 200 | 21 | 8.4% |
| Mobile County | 225 | 170 | 22 | 9.8% |
| Jefferson County | 86 | 59 | 9 | 10.5% |
| Shelby County | 28 | 18 | 4 | 14.3% |
| St. Clair County | 26 | 21 | 3 | 11.5% |
| Montgomery County | 5 | 4 | 0 | 0.0% |
| Tuscaloosa County | 5 | 3 | 1 | 20.0% |
| Lee County | 5 | 4 | 0 | 0.0% |
| Washington County | 4 | 3 | 0 | 0.0% |
| Winston County | 4 | 4 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 669 applications in 2025, of which 513 were originated and 64 denied.
9.6% of all applications, or 10.4% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Community Bank of Mississippi originated in Alabama in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Community Bank of Mississippi's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology