# ServisFirst Bank

> **Canonical URL:** https://saferate.com/lenders/servisfirst-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ServisFirst Bank is a bank, headquartered in Birmingham, AL, serving borrowers across 13 states, with 876 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 46% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300XSS1CPK8G7B851
- **Headquarters:** Birmingham, AL
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** AL, CA, FL, GA, KY, LA, MS, NC, NE, SC, TN, TX, VA
- **Markets (MSAs):** 15
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.165%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,657
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 876
- **Dollar Volume:** $398 million
- **Applications Received:** 1,095
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $454,703
- **Average Borrower Income:** $254,822
- **Average Property Value:** $601,678

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **VA Gold Superstar** (78%)
- ⭐ **Jumbo Gold Superstar** (69%)
- ⭐ **Purchase Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 74/100 | 676 | +0.178% | $1,751 | Strong 😀 |
| FHA | 64/100 | 59 | +0.206% | $1,640 | Strong 😀 |
| VA | 70/100 | 45 | -0.477% | $612 | Strong 😀 |
| Jumbo | 82/100 | 96 | +0.257% | $1,255 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 561 loans, Score: 74/100 (Strong)
- Refinance: 115 loans, Score: 66/100 (Strong)

**FHA:**
- Purchase: 57 loans, Score: 64/100 (Strong)

**VA:**
- Purchase: 44 loans, Score: 70/100 (Strong)

**Jumbo:**
- Purchase: 53 loans, Score: 76/100 (Strong)
- Refinance: 43 loans, Score: 83/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 73/100 | 715 | $293M | +0.162% | Strong 😀 |
| Refinance | 66/100 | 161 | $105M | +0.186% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 316 | 0.53% | 82/100 |
| FL | 269 | 0.09% | 69/100 |
| TN | 106 | 0.12% | 64/100 |
| GA | 73 | 0.05% | 58/100 |
| SC | 73 | 0.09% | 62/100 |
| NC | 26 | 0.02% | 45/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Tallahassee, FL | FL | 209 | 96/100 |
| Nashville | TN | 91 | 68/100 |
| Birmingham, AL | AL | 84 | 73/100 |
| Charleston | SC | 66 | 69/100 |
| Huntsville, AL | AL | 56 | 68/100 |
| Non |  | 55 | 42/100 |
| Daphne | AL | 36 | 62/100 |
| Auburn | AL | 33 | 64/100 |
| Atlanta | GA | 32 | 52/100 |
| Warner Robins, GA | GA | 26 | 61/100 |
| Dothan, AL | AL | 24 | 63/100 |
| Mobile, AL | AL | 24 | 58/100 |
| Pensacola | FL | 24 | 54/100 |
| Montgomery, AL | AL | 22 | 55/100 |
| Charlotte | NC-SC | 17 | 45/100 |

## Where This Lender Ranks

ServisFirst Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Tallahassee, FL for Jumbo Loans
  - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Tallahassee, FL for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Auburn for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/auburn/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Tallahassee, FL
  - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders)
- 🥈 **#2** in Tallahassee, FL Banks
  - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/banks)
- 🥈 **#2** in Tallahassee, FL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Tallahassee, FL for FHA Loans
  - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Tallahassee, FL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Tallahassee, FL for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Auburn Banks
  - [View Full Rankings](https://saferate.com/auburn/best-mortgage-lenders/banks)
- 🥈 **#2** in Warner Robins, GA for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/warner-robins-ga/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Alabama Banks
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/banks)
- 🥉 **#3** in Alabama for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Alabama for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Tallahassee, FL for VA Loans
  - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Huntsville, AL for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Auburn for FHA Loans
  - [View Full Rankings](https://saferate.com/auburn/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Warner Robins, GA Banks
  - [View Full Rankings](https://saferate.com/warner-robins-ga/best-mortgage-lenders/banks)
- 🥉 **#3** in Dothan, AL Banks
  - [View Full Rankings](https://saferate.com/dothan-al/best-mortgage-lenders/banks)
- 🥉 **#3** in Dothan, AL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/dothan-al/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does ServisFirst Bank offer?

ServisFirst Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ServisFirst Bank offer mortgages?

ServisFirst Bank offers mortgages in 13 states: AL, CA, FL, GA, KY, LA, MS, NC, NE, SC, TN, TX, VA.

### How competitive are ServisFirst Bank's mortgage rates?

ServisFirst Bank has a pricing score of 54/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.165% above market average.

### What type of lender is ServisFirst Bank?

ServisFirst Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Birmingham, AL.

### What is ServisFirst Bank's loan approval success rate?

ServisFirst Bank has a pull-through score of 82/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/servisfirst-bank

### How to Cite

> "ServisFirst Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/servisfirst-bank

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