SERVICE 1ST
SERVICE 1ST received 832 applications in 2025 and made 754 mortgages, in 31 counties across 5 states. The median rate its borrowers got was 7.500% on a median loan of $75,000. Of 821 decisions, 57 were denials — 6.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300DQW5P73YGBL063 |
|---|---|
| Applications received | 832 |
| Mortgages made | 754 |
| Denied | 57 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 11 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.24 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 | 64 | 7.000% | $200,000 | 4.4% |
| Refinancing | 104 | 6.933% | $100,000 | 4.6% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Other purposes | 578 | 7.500% | $65,000 | 7.3% |
Where SERVICE 1ST lends most
The 31 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Northumberland County, PA | 199 | 7.500% | 6.9% |
| Union County, PA | 111 | 7.500% | 5.9% |
| Columbia County, PA | 105 | 7.500% | 10.2% |
| Montour County, PA | 82 | 7.500% | 5.7% |
| Lycoming County, PA | 75 | 7.500% | 9.3% |
| Snyder County, PA | 64 | 7.500% | 7.2% |
| Luzerne County, PA | 61 | 7.500% | 1.6% |
| Schuylkill County, PA | 14 | 7.000% | 6.3% |
| Lackawanna County, PA | 9 | Under 10 loans | 0.0% |
| Juniata County, PA | 5 | Under 10 loans | 0.0% |
| Bucks County, PA | 3 | Under 10 loans | 0.0% |
| Centre County, PA | 3 | Under 10 loans | 0.0% |
| Clinton County, PA | 3 | Under 10 loans | 0.0% |
| Montgomery County, PA | 3 | Under 10 loans | 0.0% |
| Cumberland County, PA | 2 | Under 10 loans | 0.0% |
| Philadelphia County, PA | 2 | Under 10 loans | 0.0% |
| Sullivan County, PA | 2 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Montmorency County, MI | 1 | Under 10 loans | 0.0% |
| Bergen County, NJ | 1 | Under 10 loans | 0.0% |
| Hunterdon County, NJ | 1 | Under 10 loans | 0.0% |
| Cameron County, PA | 1 | Under 10 loans | 0.0% |
| Chester County, PA | 1 | Under 10 loans | 0.0% |
| Lehigh County, PA | 1 | Under 10 loans | 50.0% |
| Mifflin County, PA | 1 | Under 10 loans | 0.0% |
| Monroe County, PA | 1 | Under 10 loans | 0.0% |
| Northampton County, PA | 1 | Under 10 loans | 0.0% |
| York County, PA | 1 | Under 10 loans | 0.0% |
| Wicomico County, MD | 0 | Under 10 loans | 100.0% |
| Somerset County, PA | 0 | Under 10 loans | Not published |
| Venango County, PA | 0 | Under 10 loans | 100.0% |
Get told when this changes
When SERVICE 1ST’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.