Public Service Credit Union
Public Service Credit Union received 675 applications in 2025 and made 329 mortgages, in 29 counties across 9 states. The median rate its borrowers got was 7.500% on a median loan of $55,000. Of 546 decisions, 191 were denials — 35.0%, most often for other.
| Legal Entity Identifier | 254900MCB5QTUWUWQ396 |
|---|---|
| Applications received | 675 |
| Mortgages made | 329 |
| Denied | 191 |
| Approved, not taken up | 26 |
| Withdrawn or incomplete | 129 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.175 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 | 11 | 6.500% | $235,000 | 50.0% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 75.0% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Other purposes | 307 | 7.500% | $55,000 | 33.2% |
Where Public Service Credit Union lends most
The 29 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wayne County, MI | 267 | 7.500% | 32.8% |
| Oakland County, MI | 19 | 7.000% | 47.2% |
| Macomb County, MI | 12 | 7.250% | 41.7% |
| Monroe County, MI | 12 | 6.750% | 18.8% |
| Washtenaw County, MI | 5 | Under 10 loans | 37.5% |
| Livingston County, MI | 3 | Under 10 loans | 40.0% |
| Roscommon County, MI | 2 | Under 10 loans | 0.0% |
| St. Clair County, MI | 2 | Under 10 loans | 60.0% |
| Ingham County, MI | 1 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 1 | Under 10 loans | 0.0% |
| Kent County, MI | 1 | Under 10 loans | 0.0% |
| Lenawee County, MI | 1 | Under 10 loans | 0.0% |
| Mecosta County, MI | 1 | Under 10 loans | 50.0% |
| Schoolcraft County, MI | 1 | Under 10 loans | 0.0% |
| Philadelphia County, PA | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 0 | Under 10 loans | Not published |
| Sumter County, FL | 0 | Under 10 loans | 100.0% |
| Meriwether County, GA | 0 | Under 10 loans | 100.0% |
| Worcester County, MA | 0 | Under 10 loans | 100.0% |
| Bay County, MI | 0 | Under 10 loans | Not published |
| Emmet County, MI | 0 | Under 10 loans | 100.0% |
| Isabella County, MI | 0 | Under 10 loans | 100.0% |
| Ogemaw County, MI | 0 | Under 10 loans | Not published |
| Osceola County, MI | 0 | Under 10 loans | 100.0% |
| Sanilac County, MI | 0 | Under 10 loans | 100.0% |
| Hinds County, MS | 0 | Under 10 loans | 100.0% |
| Union County, NJ | 0 | Under 10 loans | 100.0% |
| Cuyahoga County, OH | 0 | Under 10 loans | 100.0% |
| Bexar County, TX | 0 | Under 10 loans | 100.0% |
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When Public Service 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.