1ST UNITED SERVICES CREDIT UNION
1ST UNITED SERVICES CREDIT UNION received 798 applications in 2025 and made 415 mortgages, in 37 counties across 4 states. The median rate its borrowers got was 5.500% on a median loan of $145,000. Of 738 decisions, 279 were denials — 37.8%, most often for debt-to-income ratio. 34 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300YPSRX7HBRJSR08 |
|---|---|
| Applications received | 798 |
| Mortgages made | 415 |
| Denied | 279 |
| Approved, not taken up | 44 |
| Withdrawn or incomplete | 60 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -1.7 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 6 | Under 10 loans | Under 10 loans | 68.2% |
| Refinancing | 53 | 5.500% | $205,000 | 37.4% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Other purposes | 356 | 5.500% | $125,000 | 35.6% |
Where 1ST UNITED SERVICES CREDIT UNION lends most
The 37 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Alameda County, CA | 221 | 5.500% | 34.2% |
| Contra Costa County, CA | 95 | 5.500% | 40.3% |
| San Joaquin County, CA | 26 | 5.500% | 38.3% |
| Sacramento County, CA | 9 | Under 10 loans | 35.7% |
| Solano County, CA | 9 | Under 10 loans | 50.0% |
| Stanislaus County, CA | 9 | Under 10 loans | 43.8% |
| Santa Clara County, CA | 5 | Under 10 loans | 16.7% |
| Riverside County, CA | 4 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 4 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 3 | Under 10 loans | 57.1% |
| Placer County, CA | 3 | Under 10 loans | 25.0% |
| San Mateo County, CA | 3 | Under 10 loans | 0.0% |
| Sonoma County, CA | 3 | Under 10 loans | 25.0% |
| Butte County, CA | 2 | Under 10 loans | 0.0% |
| Calaveras County, CA | 2 | Under 10 loans | 0.0% |
| Monterey County, CA | 2 | Under 10 loans | 0.0% |
| Napa County, CA | 2 | Under 10 loans | 0.0% |
| Orange County, CA | 2 | Under 10 loans | 50.0% |
| San Diego County, CA | 2 | Under 10 loans | 66.7% |
| Fresno County, CA | 1 | Under 10 loans | 50.0% |
| Kings County, CA | 1 | Under 10 loans | 0.0% |
| Nevada County, CA | 1 | Under 10 loans | 0.0% |
| Plumas County, CA | 1 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 0.0% |
| San Francisco County, CA | 1 | Under 10 loans | 50.0% |
| Sutter County, CA | 1 | Under 10 loans | 0.0% |
| Tuolumne County, CA | 1 | Under 10 loans | 0.0% |
| Yolo County, CA | 1 | Under 10 loans | 0.0% |
| El Dorado County, CA | 0 | Under 10 loans | 100.0% |
| Humboldt County, CA | 0 | Under 10 loans | 100.0% |
| Kern County, CA | 0 | Under 10 loans | 100.0% |
| Lassen County, CA | 0 | Under 10 loans | 100.0% |
| Marin County, CA | 0 | Under 10 loans | 100.0% |
| Mendocino County, CA | 0 | Under 10 loans | 50.0% |
| Orange County, FL | 0 | Under 10 loans | 100.0% |
| Morris County, NJ | 0 | Under 10 loans | 100.0% |
| Sumner County, TN | 0 | Under 10 loans | 100.0% |
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When 1ST UNITED SERVICES CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.