FIRST SERVICE Credit Union mortgage approval rate & lending review
FIRST SERVICE Credit Union decided 1,148 mortgage applications and funded 978 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions FIRST SERVICE Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
FIRST SERVICE Credit Union at a glance
Approval is 13.7 points above the 72.6% 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 | 97% | 199 / 206 | 99% | $305K | 197 |
| Cash-out refinance | 84% | 726 / 862 | 98% | $85K | 715 |
| Investment property purchase | 90% | 35 / 39 | 100% | $125K | 35 |
FIRST SERVICE Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 86% | $85K | 1,148 | 978 |
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 FIRST SERVICE Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harris County, TX | Cash-out refinance | 83% | 562 | 458 |
| Montgomery County, TX | Cash-out refinance | 89% | 107 | 94 |
| Fort Bend County, TX | Cash-out refinance | 89% | 95 | 84 |
| Brazoria County, TX | Cash-out refinance | 79% | 29 | 22 |
The county markets where FIRST SERVICE Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about FIRST SERVICE Credit Union
What is FIRST SERVICE Credit Union's mortgage approval rate?
FIRST SERVICE Credit Union approved 86.3% of the 1,148 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.7 points above the 72.6% national rate for the same mix of loan types.
How often do borrowers take the loan FIRST SERVICE Credit Union offers?
Borrowers accepted 99% of the loans FIRST SERVICE Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does FIRST SERVICE Credit Union make?
The typical cash-out refinance loan FIRST SERVICE Credit Union made was $85K; across all loan types its typical loan ran from $85K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does FIRST SERVICE Credit Union lend?
FIRST SERVICE Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to FIRST SERVICE Credit Union directly?
Yes. FIRST SERVICE Credit Union is a bank or credit union with 18 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show FIRST SERVICE 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 FIRST SERVICE Credit Union treats applications, then get a rate quote from the lender.