Service Federal Credit Union
Service Federal Credit Union received 3,882 applications in 2025 and made 2,074 mortgages, in 437 counties across 49 states. The median rate its borrowers got was 6.490% on a median loan of $145,000. Of 3,130 decisions, 954 were denials — 30.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900P7WLDQD9IUL038 |
|---|---|
| Applications received | 3,882 |
| Mortgages made | 2,074 |
| Denied | 954 |
| Approved, not taken up | 102 |
| Withdrawn or incomplete | 752 |
| Loans bought from other lenders | 190 |
| Median rate spread over the prime offer rate | -0.5965 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 | 424 | 5.750% | $385,000 | 23.5% |
| Refinancing | 142 | 5.500% | $625,000 | 19.9% |
| Cash-out refinancing | 148 | 6.000% | $255,000 | 38.6% |
| Other purposes | 1,360 | 6.490% | $105,000 | 32.4% |
Where Service Federal 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 |
|---|---|---|---|
| Rockingham County, NH | 423 | 6.490% | 30.9% |
| Hillsborough County, NH | 222 | 6.490% | 27.7% |
| Strafford County, NH | 199 | 6.490% | 25.4% |
| Cheshire County, NH | 127 | 6.490% | 27.5% |
| Merrimack County, NH | 118 | 6.490% | 26.6% |
| York County, ME | 101 | 6.490% | 24.6% |
| Belknap County, NH | 72 | 6.490% | 33.3% |
| Grafton County, NH | 65 | 6.490% | 36.3% |
| Middlesex County, MA | 51 | 6.490% | 23.9% |
| Essex County, MA | 49 | 6.490% | 30.6% |
| Barnstable County, MA | 39 | 6.490% | 29.8% |
| Carroll County, NH | 36 | 6.490% | 33.9% |
| Coos County, NH | 35 | 6.490% | 40.3% |
| Sullivan County, NH | 24 | 6.490% | 35.1% |
| Windsor County, VT | 20 | 6.433% | 28.6% |
| Forsyth County, GA | 17 | 5.375% | 18.2% |
| Worcester County, MA | 17 | 5.625% | 18.2% |
| King County, WA | 11 | 5.250% | 31.3% |
| Maricopa County, AZ | 9 | Under 10 loans | 8.3% |
| Cumberland County, ME | 8 | Under 10 loans | 18.2% |
| Plymouth County, MA | 8 | Under 10 loans | 28.6% |
| Wake County, NC | 8 | Under 10 loans | 20.0% |
| Hillsborough County, FL | 7 | Under 10 loans | 12.5% |
| Norfolk County, MA | 7 | Under 10 loans | 41.7% |
| Orange County, VT | 7 | Under 10 loans | 36.4% |
| Loudoun County, VA | 7 | Under 10 loans | 12.5% |
| Santa Clara County, CA | 6 | Under 10 loans | 33.3% |
| Marion County, FL | 6 | Under 10 loans | 25.0% |
| Howard County, MD | 6 | Under 10 loans | 14.3% |
| Suffolk County, MA | 6 | Under 10 loans | 33.3% |
| Horry County, SC | 6 | Under 10 loans | 0.0% |
| Jefferson County, CO | 5 | Under 10 loans | 0.0% |
| Clark County, NV | 5 | Under 10 loans | 0.0% |
| Travis County, TX | 5 | Under 10 loans | 16.7% |
| Snohomish County, WA | 5 | Under 10 loans | 16.7% |
| Contra Costa County, CA | 4 | Under 10 loans | 20.0% |
| San Diego County, CA | 4 | Under 10 loans | 50.0% |
| Okaloosa County, FL | 4 | Under 10 loans | 16.7% |
| Cobb County, GA | 4 | Under 10 loans | 33.3% |
| Kennebec County, ME | 4 | Under 10 loans | 0.0% |
| Somerset County, ME | 4 | Under 10 loans | 0.0% |
| Bristol County, MA | 4 | Under 10 loans | 50.0% |
| Moore County, NC | 4 | Under 10 loans | 33.3% |
| Richland County, SC | 4 | Under 10 loans | 0.0% |
| Pierce County, WA | 4 | Under 10 loans | 0.0% |
| Thurston County, WA | 4 | Under 10 loans | 20.0% |
| Pima County, AZ | 3 | Under 10 loans | 40.0% |
| Pulaski County, AR | 3 | Under 10 loans | 0.0% |
| Alameda County, CA | 3 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 3 | Under 10 loans | 25.0% |
Get told when this changes
When Service Federal Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.