First Service Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
First Service Bank 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Service Bank Po Box 190 Greenbrier, AR 72058 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 265 |
| Total Mortgage Loan Application Amount | $58,545,000 |
| Average Mortgage Loan Application Amount | $152,200 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $118,800 |
| Highest Applicant Income | $982,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with First Service Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Service Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down First Service Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Service Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Service Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Service Bank's mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Faulkner County Arkansas | 80 | $ 18,710,000 | $ 233,000 | $ 186,000 |
| Pulaski County Arkansas | 61 | $ 15,255,000 | $ 250,000 | $ 216,000 |
| Van Buren County Arkansas | 31 | $ 2,795,000 | $ 90,000 | $ 76,000 |
| Saline County Arkansas | 18 | $ 4,350,000 | $ 241,000 | $ 113,000 |
| Garland County Arkansas | 11 | $ 5,455,000 | $ 495,000 | $ 260,000 |
| Marion County Arkansas | 8 | $ 560,000 | $ 70,000 | $ 69,000 |
| Cleburne County Arkansas | 6 | $ 1,810,000 | $ 301,000 | $ 92,000 |
| White County Arkansas | 6 | $ 1,010,000 | $ 168,000 | $ 150,000 |
| Chicot County Arkansas | 4 | $ 170,000 | $ 42,000 | $ 158,000 |
| Conway County Arkansas | 4 | $ 320,000 | $ 80,000 | $ 0 |
| Stone County Arkansas | 4 | $ 440,000 | $ 110,000 | $ 51,000 |
| Lonoke County Arkansas | 3 | $ 745,000 | $ 248,000 | $ 115,000 |
| Baxter County Arkansas | 2 | $ 270,000 | $ 135,000 | $ 138,000 |
| Independence County Arkansas | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Jackson County Arkansas | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Pope County Arkansas | 2 | $ 240,000 | $ 120,000 | $ 34,000 |
| Searcy County Arkansas | 2 | $ 190,000 | $ 95,000 | $ 27,000 |
| Arkansas County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Benton County Arkansas | 1 | $ 2,575,000 | $ 2,575,000 | $ 0 |
| Carroll County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Clark County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 203,000 |
| Desha County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Izard County Arkansas | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Johnson County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lawrence County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Little River County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 89,000 |
| Miller County Arkansas | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Montgomery County Arkansas | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Perry County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Poinsett County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Sebastian County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Washington County Arkansas | 1 | $ 645,000 | $ 645,000 | $ 517,000 |
| Yell County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Dickinson County Kansas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Deuel County South Dakota | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Shelby County Tennessee | 1 | $ 335,000 | $ 335,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Service Bank in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 198 | $47,400,000 | $239,000 | $3,005,000 | $152,000 | $982,000 |
| Refinancing | 29 | $7,895,000 | $272,000 | $1,485,000 | $101,000 | $300,000 |
| Cash-out Refinancing | 15 | $1,715,000 | $114,000 | $405,000 | $50,000 | $103,000 |
| Other Purpose | 13 | $735,000 | $56,000 | $205,000 | $90,000 | $205,000 |
| Home Improvement | 10 | $800,000 | $80,000 | $185,000 | $201,000 | $827,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 143 | $38,015,000 | $265,000 | $3,005,000 | $0 | $0 |
| White | 111 | $18,355,000 | $165,000 | $765,000 | $139,000 | $982,000 |
| Black or African American | 4 | $780,000 | $195,000 | $695,000 | $120,000 | $300,000 |
| Hispanic | 3 | $455,000 | $151,000 | $255,000 | $110,000 | $194,000 |
| Not Provided | 2 | $510,000 | $255,000 | $355,000 | $85,000 | $97,000 |
| American Indian or Alaskan Native | 1 | $5,000 | $5,000 | $5,000 | $12,000 | $12,000 |
| Asian | 1 | $425,000 | $425,000 | $425,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 260 | $57,460,000 | $221,000 | $3,005,000 | $137,000 | $982,000 |
| FHA-insured (Federal Housing Administration) | 4 | $910,000 | $227,000 | $335,000 | $117,000 | $147,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $175,000 | $175,000 | $175,000 | $38,000 | $38,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 197 | $44,435,000 | $225,000 | $3,005,000 | $134,000 | $578,000 |
| Application Withdrawn By Applicant | 50 | $12,720,000 | $254,000 | $1,505,000 | $185,000 | $982,000 |
| Application Denied By Financial Institution | 17 | $1,335,000 | $78,000 | $275,000 | $47,000 | $135,000 |
| Application Approved But Not Accepted | 1 | $55,000 | $55,000 | $55,000 | $158,000 | $158,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 265 | $58,545,000 | $220,000 | $3,005,000 | $135,000 | $982,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Service Bank's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Service Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Arkansas, download the full spreadsheet
with aggregated HMDA statistics today.