1St United Services Credit Union mortgage approval rate & lending review
1St United Services Credit Union decided 1,457 mortgage applications and funded 832 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions 1St United Services Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
1St United Services Credit Union at a glance
Approval is 0.9 points above the 65.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 39% | 27 / 70 | 81% | $495K | 22 |
| Home improvement loans | 72% | 704 / 979 | 88% | $105K | 620 |
| Refinance | 63% | 131 / 208 | 78% | $205K | 102 |
| Investment refinance | 47% | 22 / 47 | 82% | $165K | 18 |
| Investment home improvement | 56% | 78 / 139 | 86% | $125K | 67 |
1St United Services Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 67% | $105K | 1,449 | 832 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where 1St United Services Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Alameda County, CA | Home improvement loans | 72% | 588 | 379 |
| Contra Costa County, CA | Home improvement loans | 73% | 233 | 147 |
| Alameda County, CA | Refinance | 70% | 120 | 65 |
| San Joaquin County, CA | Home improvement loans | 70% | 53 | 32 |
| Alameda County, CA | Investment home improvement | 55% | 49 | 24 |
| Contra Costa County, CA | Refinance | 57% | 49 | 21 |
| Contra Costa County, CA | Investment home improvement | 64% | 33 | 16 |
| Solano County, CA | Home improvement loans | 71% | 24 | 15 |
The county markets where 1St United Services Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about 1St United Services Credit Union
What is 1St United Services Credit Union's mortgage approval rate?
1St United Services Credit Union approved 66.4% of the 1,457 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.9 points above the 65.5% national rate for the same mix of loan types.
How often do borrowers take the loan 1St United Services Credit Union offers?
Borrowers accepted 86% of the loans 1St United Services Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does 1St United Services Credit Union make?
The typical home improvement loan loan 1St United Services Credit Union made was $105K; across all loan types its typical loan ran from $105K to $495K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does 1St United Services Credit Union lend?
1St United Services Credit Union decided applications in 8 of the states Fat Boy Data covers, most of them in California, Arizona and Florida.
Can I apply to 1St United Services Credit Union directly?
Yes. 1St United Services Credit Union reports as a direct lender that takes applications from borrowers.
Does this page show 1St United Services Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how 1St United Services Credit Union treats applications, then get a rate quote from the lender.