Public Service Credit Union mortgage approval rate & lending review
Public Service Credit Union decided 774 mortgage applications and funded 418 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Public Service Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Public Service Credit Union at a glance
Approval is 0.3 points below the 65.6% 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 | 64% | 37 / 58 | 97% | $135K | 36 |
| Home improvement loans | 68% | 431 / 631 | 81% | $55K | 351 |
| Refinance | 43% | 19 / 44 | 79% | $65K | 15 |
Public Service Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 66% | $55K | 763 | 415 |
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 Public Service Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Wayne County, MI | Home improvement loans | 67% | 517 | 283 |
| Oakland County, MI | Home improvement loans | 75% | 48 | 31 |
| Macomb County, MI | Home improvement loans | 72% | 29 | 11 |
| Wayne County, MI | Refinance | 34% | 35 | 10 |
The county markets where Public Service Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Public Service Credit Union
What is Public Service Credit Union's mortgage approval rate?
Public Service Credit Union approved 65.2% of the 774 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.3 points below the 65.6% national rate for the same mix of loan types.
How often do borrowers take the loan Public Service Credit Union offers?
Borrowers accepted 83% of the loans Public 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 Public Service Credit Union make?
The typical home improvement loan loan Public Service Credit Union made was $55K; across all loan types its typical loan ran from $55K to $135K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Public Service Credit Union lend?
Public Service Credit Union decided applications in 10 of the states Fat Boy Data covers, most of them in Michigan, Florida and Georgia.
Can I apply to Public Service Credit Union directly?
Yes. Public Service Credit Union is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Public 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 Public Service Credit Union treats applications, then get a rate quote from the lender.