First Service Bank mortgage approval rate & lending review
First Service Bank decided 391 mortgage applications and funded 371 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Service Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Service Bank at a glance
Approval is 12.6 points above the 84.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 27 / 30 | 93% | $195K | 25 |
| Investment property purchase | 99% | 285 / 287 | 99% | $185K | 281 |
| Investment refinance | 100% | 34 / 34 | 97% | $205K | 33 |
First Service Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arkansas | 97% | $185K | 390 | 370 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Service Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Pulaski County, AR | Investment property purchase | 99% | 137 | 131 |
| Faulkner County, AR | Investment property purchase | 100% | 102 | 102 |
| Saline County, AR | Investment property purchase | 100% | 24 | 24 |
The county markets where First Service Bank made the most loans. Each link opens that market with every lender ranked.
Questions about First Service Bank
What is First Service Bank's mortgage approval rate?
First Service Bank approved 97.2% of the 391 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.6 points above the 84.6% national rate for the same mix of loan types.
How often do borrowers take the loan First Service Bank offers?
Borrowers accepted 98% of the loans First Service Bank approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Service Bank make?
The typical investment property mortgage loan First Service Bank made was $185K; across all loan types its typical loan ran from $185K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Service Bank lend?
First Service Bank decided applications in 2 of the states Fat Boy Data covers, most of them in Arkansas and Tennessee.
Can I apply to First Service Bank directly?
Yes. First Service Bank is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Service Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Service Bank treats applications, then get a rate quote from the lender.