Lender profile · HMDA 2023–2025
Service Federal Credit Union mortgage approval rates & lending data
Service Federal Credit Union decided 4,424 mortgage applications and funded 3,153 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 79% | 647 / 824 | 92% | $385K | 593 |
| Home improvement loans | 77% | 1,526 / 1,991 | 96% | $95K | 1,469 |
| Cash-out refinance | 70% | 841 / 1,204 | 96% | $105K | 809 |
| Refinance | 80% | 201 / 251 | 96% | $455K | 192 |
| Investment property purchase | 69% | 55 / 80 | 95% | $275K | 52 |
| Investment cash-out refinance | 55% | 18 / 33 | 89% | $105K | 16 |
| Investment home improvement | 45% | 13 / 29 | 100% | $65K | 13 |
Service Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Hampshire | 76% | $95K | 2,559 | 1,863 |
| Massachusetts | 73% | $105K | 499 | 343 |
| Maine | 77% | $105K | 329 | 246 |
| Florida | 69% | $105K | 148 | 96 |
| California | 72% | $255K | 111 | 73 |
| Georgia | 77% | $155K | 64 | 46 |
| North Carolina | 77% | $105K | 61 | 46 |
| Virginia | 78% | $125K | 54 | 42 |
| Washington | 68% | $205K | 53 | 35 |
| Arizona | 73% | $135K | 52 | 34 |
| Colorado | 79% | $105K | 47 | 34 |
| South Carolina | 87% | $75K | 45 | 36 |
| Maryland | 70% | $75K | 44 | 29 |
| Ohio | 72% | $75K | 29 | 20 |
| New Jersey | 81% | $105K | 27 | 20 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.