Pacific Service Credit Union mortgage approval rate & lending review
Pacific Service Credit Union decided 1,530 mortgage applications and funded 1,061 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Pacific Service Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Pacific Service Credit Union at a glance
Approval is 17.1 points above the 68.7% 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 | 96% | 310 / 324 | 30% | $395K | 94 |
| Home improvement loans | 85% | 802 / 943 | 98% | $105K | 788 |
| Cash-out refinance | 78% | 60 / 77 | 92% | $205K | 55 |
| Refinance | 77% | 43 / 56 | 98% | $145K | 42 |
| Investment property purchase | 96% | 27 / 28 | 52% | $255K | 14 |
| Investment home improvement | 70% | 57 / 82 | 96% | $105K | 55 |
Pacific Service Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 87% | $105K | 1,509 | 1,059 |
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 Pacific Service Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Contra Costa County, CA | Home improvement loans | 81% | 236 | 187 |
| Fresno County, CA | Home improvement loans | 85% | 143 | 120 |
| Alameda County, CA | Home improvement loans | 89% | 88 | 76 |
| Sacramento County, CA | Home improvement loans | 87% | 61 | 53 |
| Solano County, CA | Home improvement loans | 88% | 43 | 37 |
| San Joaquin County, CA | Home improvement loans | 86% | 42 | 35 |
| Placer County, CA | Home improvement loans | 88% | 32 | 28 |
| Santa Clara County, CA | Home improvement loans | 83% | 30 | 25 |
| San Luis Obispo County, CA | Home improvement loans | 96% | 23 | 22 |
| San Mateo County, CA | Home improvement loans | 87% | 23 | 20 |
| Madera County, CA | Home improvement loans | 73% | 26 | 18 |
| Sonoma County, CA | Home improvement loans | 90% | 20 | 17 |
The county markets where Pacific Service Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Pacific Service Credit Union
What is Pacific Service Credit Union's mortgage approval rate?
Pacific Service Credit Union approved 85.9% of the 1,530 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.1 points above the 68.7% national rate for the same mix of loan types.
How often do borrowers take the loan Pacific Service Credit Union offers?
Borrowers accepted 81% of the loans Pacific Service 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 Pacific Service Credit Union make?
The typical home improvement loan loan Pacific Service Credit Union made was $105K; across all loan types its typical loan ran from $105K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Pacific Service Credit Union lend?
Pacific Service Credit Union decided applications in 12 of the states Fat Boy Data covers, most of them in California, Nevada and Arizona.
Can I apply to Pacific Service Credit Union directly?
Yes. Pacific Service Credit Union is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Pacific 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 Pacific Service Credit Union treats applications, then get a rate quote from the lender.