Community Bank of Mississippi in Florida vs the state
7.9%Denial rate-13.20 pts vs state
8.7%Decision denial rate-18.56 pts vs state
78.9%Origination rate+26.24 pts vs state
7.00%Median rate+0.38 pts vs state
0.70Rate spread (pts)+0.43 pts vs state
$175kMedian applicant income
251Loans originated
25Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 280 | 209 | 8.2% | 7.13% | #328 |
| 2024 | 294 | 214 | 7.5% | 7.50% | #319 |
| 2025 | 318 | 251 | 7.9% | 7.00% | #296 |
What Community Bank of Mississippi lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Community Bank of Mississippi applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Walton County | 85 | 71 | 5 | 5.9% |
| Bay County | 85 | 69 | 4 | 4.7% |
| Okaloosa County | 83 | 70 | 2 | 2.4% |
| Escambia County | 40 | 27 | 7 | 17.5% |
| Santa Rosa County | 16 | 6 | 6 | 37.5% |
| Hillsborough County | 2 | 1 | 1 | 50.0% |
| Wakulla County | 2 | 2 | 0 | 0.0% |
| Gadsden County | 1 | 1 | 0 | 0.0% |
| Holmes County | 1 | 1 | 0 | 0.0% |
| Pinellas County | 1 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 318 applications in 2025, of which 251 were originated and 25 denied.
7.9% of all applications, or 8.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Community Bank of Mississippi originated in Florida in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Community Bank of Mississippi's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology