PACIFIC SERVICE CREDIT UNION
PACIFIC SERVICE CREDIT UNION received 1,210 applications in 2025 and made 657 mortgages, in 66 counties across 13 states. The median rate its borrowers got was 7.500% on a median loan of $105,000. Of 924 decisions, 175 were denials — 18.9%, most often for collateral.
| Legal Entity Identifier | 549300XR3B6372SESA46 |
|---|---|
| Applications received | 1,210 |
| Mortgages made | 657 |
| Denied | 175 |
| Approved, not taken up | 92 |
| Withdrawn or incomplete | 286 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.78 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 | 40 | 6.563% | $435,000 | 3.9% |
| Refinancing | 24 | 6.750% | $200,000 | 14.3% |
| Cash-out refinancing | 21 | 6.500% | $225,000 | 38.9% |
| Other purposes | 572 | 7.990% | $85,000 | 20.8% |
Where PACIFIC SERVICE CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Contra Costa County, CA | 149 | 7.500% | 18.5% |
| Fresno County, CA | 101 | 7.990% | 26.2% |
| Alameda County, CA | 59 | 7.500% | 16.1% |
| Solano County, CA | 38 | 7.500% | 8.7% |
| Sacramento County, CA | 37 | 7.750% | 14.9% |
| San Joaquin County, CA | 37 | 7.990% | 10.4% |
| Madera County, CA | 27 | 7.990% | 12.5% |
| Placer County, CA | 23 | 7.500% | 16.1% |
| San Luis Obispo County, CA | 17 | 7.500% | 9.5% |
| San Mateo County, CA | 14 | 7.625% | 15.8% |
| Sonoma County, CA | 12 | 7.500% | 12.5% |
| Stanislaus County, CA | 9 | Under 10 loans | 9.1% |
| Kern County, CA | 8 | Under 10 loans | 11.1% |
| Santa Cruz County, CA | 8 | Under 10 loans | 10.0% |
| Shasta County, CA | 8 | Under 10 loans | 0.0% |
| Napa County, CA | 7 | Under 10 loans | 0.0% |
| Nevada County, CA | 7 | Under 10 loans | 12.5% |
| San Francisco County, CA | 7 | Under 10 loans | 12.5% |
| Butte County, CA | 6 | Under 10 loans | 25.0% |
| Humboldt County, CA | 6 | Under 10 loans | 20.0% |
| Marin County, CA | 6 | Under 10 loans | 25.0% |
| Santa Clara County, CA | 6 | Under 10 loans | 27.3% |
| Los Angeles County, CA | 5 | Under 10 loans | 18.2% |
| Merced County, CA | 5 | Under 10 loans | 0.0% |
| Yolo County, CA | 5 | Under 10 loans | 0.0% |
| El Dorado County, CA | 4 | Under 10 loans | 14.3% |
| Monterey County, CA | 4 | Under 10 loans | 0.0% |
| San Benito County, CA | 4 | Under 10 loans | 25.0% |
| Tulare County, CA | 4 | Under 10 loans | 11.1% |
| Tuolumne County, CA | 4 | Under 10 loans | 0.0% |
| Riverside County, CA | 3 | Under 10 loans | 25.0% |
| Amador County, CA | 2 | Under 10 loans | 60.0% |
| Calaveras County, CA | 2 | Under 10 loans | 33.3% |
| Lake County, CA | 2 | Under 10 loans | 50.0% |
| Mariposa County, CA | 2 | Under 10 loans | 50.0% |
| Orange County, CA | 2 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 2 | Under 10 loans | 0.0% |
| San Diego County, CA | 2 | Under 10 loans | 50.0% |
| Santa Barbara County, CA | 2 | Under 10 loans | 0.0% |
| Tehama County, CA | 2 | Under 10 loans | 0.0% |
| Ventura County, CA | 2 | Under 10 loans | 0.0% |
| Colusa County, CA | 1 | Under 10 loans | 0.0% |
| Glenn County, CA | 1 | Under 10 loans | 50.0% |
| Kings County, CA | 1 | Under 10 loans | 66.7% |
| Sutter County, CA | 1 | Under 10 loans | 0.0% |
| Yuba County, CA | 1 | Under 10 loans | 50.0% |
| Clark County, NV | 1 | Under 10 loans | 0.0% |
| Carson City, NV | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 0 | Under 10 loans | 100.0% |
| Navajo County, AZ | 0 | Under 10 loans | 100.0% |
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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.