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BankFirst Financial Services

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We analyzed every closed loan from BankFirst Financial Services 441 loans across 577 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Strong
4/5
Multi-Region · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA loans

Explore another lender or local market

Report Card

BankFirst Financial Services performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
315 loans
Strong
Top 40% of lenders
4/5
FHA
107 loans
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
316 loans
Strong
Top 40% of lenders
4/5
Refinance
125 loans
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Pull Through
Strong
Volume315
Mix71.4%
Spread
Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Pull Through
Strong
Volume107
Mix24.3%
Spread
Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Pull Through
Strong
Volume316
Mix71.7%
Spread
Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Pull Through
Strong
Volume125
Mix28.3%
Spread
Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
441
Applications
577
Volume
$110 million
Pricing & Closing
Pullthrough Rate
76.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$251,508
Avg Borrower Income
$133,546
Avg Property Value
$359,263

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

7Full-year 2024 · HMDA
7 states with loan originations
Loans originated
< 200200+None
Midwest1
IN
South5
ALFLLAMSTN
West1
CA

Top Metro Areas by Place Specialization Score

1© Dough4872 · Public domain
Tuscaloosa, ALMetro
Volume 94Mix 21.32% of portfolio
76/100
Strong
2© Patricia H. · CC BY 2.0
Hattiesburg, MSMetro
Volume 26Mix 5.90% of portfolio
64/100
Strong
Volume 33Mix 7.48% of portfolio
60/100
Strong
Volume 30Mix 6.80% of portfolio
56/100
Sound
5© Eric in SF · CC BY-SA 3.0
Birmingham, ALMetro
Volume 14Mix 3.17% of portfolio
47/100
Sound

Top States by Place Specialization Score

Mississippi
Mississippi
1
MississippiState
Volume 258Mix 58.50% of portfolio
81/100
Exceptional
Alabama
Alabama
2
AlabamaState
Volume 172Mix 39.00% of portfolio
76/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.