ServisFirst Bank mortgage approval rate & lending review
ServisFirst Bank decided 2,953 mortgage applications and funded 2,819 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions ServisFirst Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
ServisFirst Bank at a glance
Approval is 14.9 points above the 81.4% 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 | 97% | 1,587 / 1,630 | 100% | $325K | 1,580 |
| Home improvement loans | 95% | 376 / 397 | 98% | $155K | 368 |
| Cash-out refinance | 86% | 108 / 126 | 99% | $405K | 107 |
| Refinance | 96% | 284 / 297 | 99% | $505K | 281 |
| Investment property purchase | 98% | 351 / 358 | 99% | $245K | 348 |
| Investment refinance | 97% | 83 / 86 | 95% | $295K | 79 |
| Investment home improvement | 98% | 39 / 40 | 100% | $345K | 39 |
ServisFirst Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Alabama | 96% | $295K | 1,248 | 1,189 |
| Florida | 97% | $325K | 806 | 776 |
| South Carolina | 97% | $505K | 274 | 265 |
| Tennessee | 97% | $365K | 271 | 256 |
| Georgia | 95% | $325K | 212 | 199 |
| North Carolina | 97% | $335K | 90 | 84 |
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 ServisFirst Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Leon County, FL | Mortgage lenders | 100% | 434 | 432 |
| Jefferson County, AL | Mortgage lenders | 89% | 147 | 128 |
| Madison County, AL | Mortgage lenders | 100% | 96 | 96 |
| Lee County, AL | Mortgage lenders | 99% | 78 | 77 |
| Charleston County, SC | Mortgage lenders | 96% | 79 | 76 |
| Baldwin County, AL | Mortgage lenders | 100% | 67 | 67 |
| Jefferson County, AL | Home improvement loans | 96% | 70 | 65 |
| Houston County, GA | Mortgage lenders | 97% | 66 | 64 |
| Mobile County, AL | Mortgage lenders | 98% | 58 | 56 |
| Houston County, AL | Mortgage lenders | 98% | 53 | 51 |
| Shelby County, AL | Mortgage lenders | 93% | 56 | 51 |
| Leon County, FL | Investment property purchase | 98% | 44 | 43 |
The county markets where ServisFirst Bank made the most loans. Each link opens that market with every lender ranked.
Questions about ServisFirst Bank
What is ServisFirst Bank's mortgage approval rate?
ServisFirst Bank approved 96.3% of the 2,953 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.9 points above the 81.4% national rate for the same mix of loan types.
How often do borrowers take the loan ServisFirst Bank offers?
Borrowers accepted 99% of the loans ServisFirst Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does ServisFirst Bank make?
The typical home purchase mortgage loan ServisFirst Bank made was $325K; across all loan types its typical loan ran from $155K to $505K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does ServisFirst Bank lend?
ServisFirst Bank decided applications in 19 of the states Fat Boy Data covers, most of them in Alabama, Florida and South Carolina.
Can I apply to ServisFirst Bank directly?
Yes. ServisFirst Bank is a bank or credit union with 33 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show ServisFirst 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 ServisFirst Bank treats applications, then get a rate quote from the lender.