Service First Federal Credit Union mortgage approval rate & lending review
Service First Federal Credit Union decided 331 mortgage applications and funded 302 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Service First Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Service First Federal Credit Union at a glance
Approval is 7.5 points above the 83.7% 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 | 98% | 234 / 240 | 100% | $275K | 234 |
| Refinance | 72% | 36 / 50 | 100% | $225K | 36 |
Service First Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| South Dakota | 91% | $275K | 323 | 295 |
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 First Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Minnehaha County, SD | Mortgage lenders | 97% | 233 | 227 |
| Minnehaha County, SD | Refinance | 72% | 50 | 36 |
| Minnehaha County, SD | Home improvement loans | 60% | 20 | 12 |
The county markets where Service First Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Service First Federal Credit Union
What is Service First Federal Credit Union's mortgage approval rate?
Service First Federal Credit Union approved 91.2% of the 331 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.5 points above the 83.7% national rate for the same mix of loan types.
How often do borrowers take the loan Service First Federal Credit Union offers?
Borrowers accepted 100% of the loans Service First Federal Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Service First Federal Credit Union make?
The typical home purchase mortgage loan Service First Federal Credit Union made was $275K; across all loan types its typical loan ran from $225K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Service First Federal Credit Union lend?
Service First Federal Credit Union decided applications in 8 of the states Fat Boy Data covers, most of them in South Dakota, Texas and Arizona.
Can I apply to Service First Federal Credit Union directly?
Yes. Service First Federal Credit Union is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Service First 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 First Federal Credit Union treats applications, then get a rate quote from the lender.