A small gain in its biggest market
In Little Rock-North Little Rock-Conway it ranked 22 of 423 lenders. Its share rose to 1.1% from 1.0%. It has lent there since 2000, and Arvest Bank and First Security Bank lead the market.
Applications / Mortgage Analytics / Lenders / Arkansas / First Service Bank
First Service Bank
Greenbrier, AR · State non-member bank · FDIC · $921 million assets · 194 loans in 2025
First Service Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
194
loans originated, 2025
254
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Service Bank makes fewer but bigger loans than it once did, and is edging up in Little Rock-North Little Rock-Conway, its largest market.
Bigger loans than its peers
Similar lenders are state non-member banks making between half and twice as many loans. First Service Bank lent $69.0 million, more than about three-quarters of them; the typical one lent $43.7 million. Its typical loan was $195,000, against $175,000 at its peers. Purchases made up 69.1% of its lending.
Dollars up, loan count flat
It made 194 loans in 2025, up 5%. Similar lenders and the whole market grew by 10%. In 2020 it made 282. Its dollar volume rose faster than its loan count, to $69.0 million from $58.3 million, so larger loans may explain more of its growth than new borrowers.
Fewer poorer borrowers
Borrowers with low and moderate incomes (LMI) took 16.2% of its loans, against 27.9% at similar lenders, lower than nearly nine in ten of them. Yet its share in poorer neighborhoods, 19.1%, was close to peers' 17.6%, and majority-minority neighborhoods took 13.9%. Its larger loans, and incomes in the Arkansas markets it serves, could account for the lower borrower share.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
194 loans in 2025, against a peak of 282 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Service Bank took 254 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
69.1% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 69.1% · Refinance 23.7% · Home improvement 5.2% · Other 2.1%
Conventional 100.0% · of 194 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
2 states, 5 metros, 25 counties
| State | Loans | Share |
|---|---|---|
| Arkansas | 193 | 99.5% |
| Oklahoma | 1 | 0.5% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Little Rock-North Little Rock-Conway | 131 |
| Hot Springs | 6 |
| Jonesboro | 5 |
| Fayetteville-Springdale-Rogers | 2 |
| Fort Smith | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300W2LKZKSX67ZU02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 458544 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318519 | 2000–2017 |
Established 7 May 1962. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: First Service Bank's data.
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