First Service Bank in Arkansas vs the state
9.9%Denial rate-8.31 pts vs state
11.1%Decision denial rate-12.07 pts vs state
76.3%Origination rate+19.45 pts vs state
—Median rate
—Rate spread (pts)
$100kMedian applicant income
193Loans originated
25Denied
Trend in Arkansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 262 | 195 | 6.5% | — | #79 |
| 2024 | 237 | 183 | 9.3% | — | #88 |
| 2025 | 253 | 193 | 9.9% | — | #93 |
What First Service Bank lends in Arkansas
By loan purpose
By loan type
Where in Arkansas
Counties with the most First Service Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 66 | 55 | 2 | 3.0% |
| Faulkner County | 64 | 52 | 3 | 4.7% |
| Van Buren County | 30 | 13 | 9 | 30.0% |
| Saline County | 17 | 16 | 0 | 0.0% |
| Conway County | 14 | 12 | 1 | 7.1% |
| Marion County | 10 | 8 | 1 | 10.0% |
| Garland County | 9 | 6 | 0 | 0.0% |
| Lonoke County | 8 | 7 | 0 | 0.0% |
| Chicot County | 6 | 2 | 4 | 66.7% |
| Cleburne County | 5 | 4 | 1 | 20.0% |
Other large lenders in Arkansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Arvest Bank | C | 9,748 | 14.4% | 7.00% |
| Rocket Mortgage | C | 5,854 | 20.1% | 6.63% |
| ARKANSAS Federal Credit Union | F | 4,439 | 23.6% | 7.50% |
| Vanderbilt Mortgage and Finance | F | 3,491 | 38.4% | 10.25% |
| 21st Mortgage | F | 3,250 | 46.6% | 9.69% |
| Mortgage Research Center | C | 2,767 | 18.3% | 6.25% |
| Regions Bank | C | 2,646 | 40.0% | 6.13% |
| Firsttrust Home Loans | B | 2,590 | 0.5% | 6.49% |
| United Shore Financial Services | B | 2,456 | 13.3% | 6.12% |
| Triad Financial Services | D | 2,133 | 54.2% | 8.68% |
Frequently asked questions
Arkansas: 253 applications in 2025, of which 193 were originated and 25 denied.
9.9% of all applications, or 11.1% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Service Bank's own HMDA filing for properties located in Arkansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology