First Service Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
26th11.0% deniedProcesswithdrawn + incomplete share, weight 15%
28th10.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 265 | 197 | 6.4% | 7.9% | — | $44M |
| 2024 | 238 | 184 | 9.2% | 10.1% | — | $58M |
| 2025 | 254 | 194 | 9.8% | 11.0% | — | $69M |
What First Service Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 12 manufactured homes, 168 investment properties.
Who gets approved at First Service Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 36 | 21 | 29.0% |
| $150k – $250k | 21 | 18 | 4.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 21 | 13 | 18.8% |
| 35–44 | 28 | 18 | 20.0% |
| 45–54 | 25 | 14 | 36.4% |
| 55–64 | 22 | 14 | 20.0% |
Where First Service Bank lends
2 states and 30 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Arkansas | 253 | 193 | 9.9% | — | #93 |
Frequently asked questions
First Service Bank denied 11.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 26th percentile of investment-property lenders.
In 2025, 65% of its applications were for home purchases, 24% for refinancing (including cash-out), and 11% for home improvement or other purposes. By loan type: 99% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.