Name of the lender

Servisfirst BankMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2018 to 2025

Head office: Birmingham, AL
Reporting agency: Federal Deposit Insurance Corporation (FDIC)
Legal Entity Identifier (LEI)

Figures by state (CSV)

Servisfirst Bank reported 1,792 mortgage applications in the HMDA data of 2025.

It originated 1,464 loans in 2025, for $889 million in total.

The median interest rate of its loans in 2025 was 6.500%, and the national median was 6.375%.

The median total loan costs of its loans in 2025 were $4,516, and the national median was $6,413.

It denied 3.8% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Servisfirst Bank, 2025
Figure	This lender	United States
Applications	1,792Under 0.1% of the US total	11,766,671
Loans originated	1,464$889 million	6,827,891
Median interest rate	6.500%	6.375%
Median total loan costs	$4,516	$6,413
Denial rate	3.8%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Interest rate and total loan costs of Servisfirst Bank by loan type, 2025Medians. Each value has the national median of the same loan type under it.
Loan type	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
All loans	960	6.500%US 6.375%	$4,516US $6,413	0.146US 0.161
Conventional	829	6.625%US 6.500%	$4,229US $5,393	0.148US 0.175
FHA-insured	87	6.125%US 6.250%	$9,551US $11,084	0.265US 0.432
VA-guaranteed	44	6.125%US 6.000%	$6,498US $6,088	−0.363US −0.422

Interest rate and total loan costs of Servisfirst Bank by loan purpose, 2025Medians, with the national median under each value.
Loan purpose	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
Home purchase	764	6.500%US 6.500%	$4,310US $6,632	0.095US 0.169
Refinancing	123	6.875%US 5.999%	$6,942US $4,883	0.419US −0.069
Cash-out refinancing	66	6.990%US 6.500%	$4,799US $8,095	0.416US 0.376

Parts of the total loan costs of Servisfirst Bank by loan type, 2025Medians, with the national median under each value.
Loan type	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits
All loans	$1,075US $2,062	$1,819US $2,823	$63US $567
Conventional	$1,075US $1,981	$1,873US $2,588	$78US $604
FHA-insured	$1,075US $2,831	$1,211US $3,270	$27US $567
VA-guaranteed	$1,075US $1,729	n/aUS $3,300	$87US $472

The median rate spread of these loans was 0.146 percentage points above the average prime offer rate (APOR). On a loan of $300,000, that is about $438 more a year, or $37 more a month. The national median spread was 0.161 points.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different. What a rate spread is.

Median interest rate by year: Servisfirst Bank and the United States

Servisfirst BankUnited States

Action takenHMDA codes and labels

Records of Servisfirst Bank by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	1,464	80.8%	50.4%
2Application approved but not accepted	11	0.6%	3.1%
3Application denied	58	3.2%	15.6%
4Application withdrawn by applicant	257	14.2%	12.6%
5File closed for incompleteness	2	0.1%	5.1%
6Purchased loan	20	1.1%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

Denials of Servisfirst Bank by the first reason that it coded, 2025
Denial reason	Denials	Share	US share
1Debt-to-income ratio	28	48.3%	32.7%
2Employment history	2	3.4%	0.9%
3Credit history	17	29.3%	25.6%
4Collateral	7	12.1%	13.8%
5Insufficient cash (downpayment, closing costs)	0	0.0%	2.3%
6Unverifiable information	1	1.7%	4.2%
7Credit application incomplete	0	0.0%	12.0%
8Mortgage insurance denied	0	0.0%	0.0%
9Other	3	5.2%	8.5%

A lender can code up to four reasons for a denial. This table counts the first reason only.

Loan types and purposesLoans of 2025

Applications of Servisfirst Bank by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	1,623	1,333	3.5%US 23.4%
FHA-insured	112	87	5.4%US 21.8%
VA-guaranteed	56	44	8.3%US 16.2%
USDA Rural Housing Service or Farm Service Agency guaranteed	1	0	n/aUS 12.9%

Applications of Servisfirst Bank by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	1,079	890	60.8%
Home improvement	165	149	10.2%
Refinancing	277	222	15.2%
Cash-out refinancing	108	66	4.5%
Other purpose	163	137	9.4%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends6 states with 25 applications or more

Servisfirst Bank by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
Alabama	716	596	6.625%	$3,731	4.3%
Florida	537	426	6.500%	$5,043	2.7%
Georgia	94	75	6.375%	$4,332	6.2%
North Carolina	65	54	7.188%	$4,697	5.1%
South Carolina	139	115	6.625%	$4,552	2.5%
Tennessee	185	153	6.500%	$5,456	3.8%

Counties of Servisfirst Bank with 50 applications or more, 2025In order of the names. The list has the 9 counties with the most loans of the lender.
County	Applications	Loans originated	Amount	Denial rate
Baldwin County, AL	58	52	$27.0 million	1.9%
Charleston County, SC	92	77	$61.5 million	2.5%
Davidson County, TN	68	52	$32.5 million	3.7%
Escambia County, FL	57	41	$18.5 million	6.7%
Houston County, AL	50	41	$9.8 million	0.0%
Jefferson County, AL	157	124	$35.3 million	8.0%
Lee County, AL	115	97	$34.8 million	3.0%
Leon County, FL	266	207	$77.6 million	1.4%
Madison County, AL	85	74	$30.8 million	2.6%

Figures by yearHMDA 2022 to 2025

Servisfirst Bank by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	1,792	1,464	6.500%	$4,516	3.8%	1,812
2024	1,610	1,325	6.625%	$4,534	3.5%	1,635
2023	1,183	924	6.875%	$4,375	4.9%	1,233
2022	1,463	1,254	5.000%	$4,342	2.9%	1,481
2021	n/a	n/a	n/a	n/a	n/a	1,553
2020	n/a	n/a	n/a	n/a	n/a	1,490
2019	n/a	n/a	n/a	n/a	n/a	907
2018	n/a	n/a	n/a	n/a	n/a	694

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: Servisfirst Bank and the United States

Servisfirst BankUnited States

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

Achieva Credit UnionDunedin, FL
All In Credit UnionDothan, AL
America's First Federal CUBirmingham, AL
City National Bank of FloridaMiami, FL
Community First Credit Union of FLoridaJacksonville, FL
Fairwinds Credit UnionOrlando, FL
First Federal BankTuscaloosa, AL
Raymond James BankSaint Petersburg, FL
River Bank & TrustGadsden, AL
RMC Home Mortgage, LLCWexford, PA
Seacoast National BankMiami, FL
TJC Mortgage IncBirmingham, AL

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.
BankFind Suite (Federal Deposit Insurance Corporation)The FDIC search for an insured bank: its status, its offices and its regulator.

Cite this page

Page: Lender Register, "Servisfirst Bank mortgage rates, costs and denial rate, 2025", https://lenderregister.com/lender/549300xss1cpk8g7b851-servisfirst-bank/
Lender: Servisfirst Bank, LEI 549300XSS1CPK8G7B851
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2018 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did Servisfirst Bank buy from other lenders in 2025?: It reported 20 purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
Which denial reasons did Servisfirst Bank code most often in 2025?: The first reasons that it coded most often were debt-to-income ratio (28), credit history (17) and collateral (7).
In which states did Servisfirst Bank originate the most loans in 2025?: The three states with the most loans were Alabama (596), Florida (426) and Tennessee (153). It had 25 applications or more in 6 states.
Which loan types did Servisfirst Bank originate in 2025?: 1,333 conventional, 87 FHA and 44 VA.