Service Federal Credit Union mortgage approval rate & lending review
Service Federal Credit Union decided 4,424 mortgage applications and funded 3,153 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Service Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Service Federal Credit Union at a glance
Approval is 4.7 points above the 70.1% 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 | 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 |
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 Service Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Rockingham County, NH | Home improvement loans | 76% | 632 | 469 |
| Rockingham County, NH | Cash-out refinance | 74% | 356 | 254 |
| Hillsborough County, NH | Home improvement loans | 80% | 263 | 200 |
| Strafford County, NH | Home improvement loans | 77% | 265 | 198 |
| Rockingham County, NH | Mortgage lenders | 77% | 163 | 115 |
| Hillsborough County, NH | Cash-out refinance | 74% | 149 | 105 |
| York County, ME | Home improvement loans | 84% | 125 | 103 |
| Merrimack County, NH | Home improvement loans | 79% | 139 | 103 |
| Strafford County, NH | Cash-out refinance | 74% | 137 | 100 |
| Hillsborough County, NH | Mortgage lenders | 85% | 81 | 68 |
| Strafford County, NH | Mortgage lenders | 81% | 83 | 65 |
| York County, ME | Cash-out refinance | 69% | 86 | 58 |
The county markets where Service Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Service Federal Credit Union
What is Service Federal Credit Union's mortgage approval rate?
Service Federal Credit Union approved 74.8% of the 4,424 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.7 points above the 70.1% national rate for the same mix of loan types.
How often do borrowers take the loan Service Federal Credit Union offers?
Borrowers accepted 95% of the loans Service Federal 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 Service Federal Credit Union make?
The typical home improvement loan loan Service Federal Credit Union made was $95K; across all loan types its typical loan ran from $65K to $455K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Service Federal Credit Union lend?
Service Federal Credit Union decided applications in 49 of the states Fat Boy Data covers, most of them in New Hampshire, Massachusetts and Maine.
Can I apply to Service Federal Credit Union directly?
Yes. Service Federal Credit Union is a bank or credit union with 52 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Service Federal 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 Service Federal Credit Union treats applications, then get a rate quote from the lender.