BankFirst Financial Services: 2025 mortgage rates, costs & approvals
How BankFirst Financial Services priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: BankFirst Financial Services · LEI 549300BR7OTD25RTS027
In 2025, BankFirst Financial Services originated 441 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 9 states — 787th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was in line with the national median.
It denied 4.1% of completed home-purchase applications (all lenders: 8.5%).
How BankFirst Financial Services priced home-purchase loans
| Purchase loans, 2025 | BankFirst Financial Services | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.124% | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.17 pts | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where BankFirst Financial Services lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Mississippi | 268 | 290 | 5.8% | 6.625% | — |
| Alabama | 163 | 173 | 2.2% | 6.625% | — |
| North Carolina | 2 | 2 | — | — | — |
| Tennessee | 2 | 2 | — | — | — |
| Texas | 2 | 2 | — | — | — |
| California | 1 | 1 | — | — | — |
| Illinois | 1 | 1 | — | — | — |
| Indiana | 1 | 1 | — | — | — |
| Louisiana | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open BankFirst Financial Services's page for that state.
Counties where BankFirst Financial Services is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Yalobusha County, MS | 1 | 28 | 25.4% |
| Noxubee County, MS | 1 | 3 | 18.8% |
| Pickens County, AL | 1 | 17 | 12.7% |
| Sharkey County, MS | 4 | 1 | 12.5% |
| Winston County, AL | 1 | 20 | 11.1% |
| Newton County, MS | 4 | 14 | 9.7% |
| Jasper County, MS | 4 | 6 | 7.7% |
| Fayette County, AL | 3 | 11 | 6.7% |
| Webster County, MS | 3 | 4 | 6.0% |
| Tate County, MS | 5 | 15 | 4.8% |
| Oktibbeha County, MS | 4 | 16 | 4.2% |
| Kemper County, MS | 9 | 1 | 4.0% |
| Smith County, MS | 7 | 4 | 3.7% |
| Lafayette County, MS | 7 | 23 | 3.5% |
| Lowndes County, MS | 8 | 20 | 3.4% |
Check BankFirst Financial Services yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300BR7OTD25RTS027.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from BankFirst Financial Services with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology