Service Federal Credit Union Mortgage Rates, Fees & Info
Portsmouth, NHLEI: 254900P7WLDQD9IUL038
Tax ID: 02-0240752
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Mortgage Data
Review & Overview
Service Federal Credit Union is a smaller credit union specializing in Home Improvement, Other, and Home Purchase loans. Service Federal Credit Union has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Boston, Lebanon, Manchester, Concord, and Portland among others. We have data for 168 markets. (Some data included below & more in-depth data is available with an active subscription.)Service Federal Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Service Federal Credit Union is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 3.72% | 12/17/24 |
| 30 Year Conventional Purchase | 6.41% | 12/17/24 |
| 30 Year Conventional Refi | 6.46% | 12/17/24 |
| 30 Year Cash-out Refi | 6.62% | 12/17/24 |
| 30 Year VA Purchase | 5.80% | 12/17/24 |
| 30 Year USDA Purchase | 6.26% | 12/17/24 |
| 15 Year Conventional Purchase | 5.89% | 12/17/24 |
| 15 Year Conventional Refi | 5.71% | 12/17/24 |
| 15 Year Cash-out Refi | 5.71% | 12/17/24 |
| 15 Year VA Purchase | 5.55% | 12/17/24 |
| 15 Year VA Refi | 5.58% | 12/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Service Federal Credit Union Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,576Origination Dollar Volume (All Markets)
$530,790,000Awards
Service Federal Credit Union - 2022
Service Federal Credit Union is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 962 | $180,850,000 | $187,994 | $2,101 | 3.30% |
| Lebanon, NH-VT (FHA|USDA|VA) | 155 | $51,035,000 | $329,258 | $2,805 | 3.32% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 262 | $36,730,000 | $140,191 | $2,014 | 3.38% |
| Concord, NH (FHA|USDA|VA) | 132 | $26,330,000 | $199,470 | $2,259 | 3.40% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 134 | $25,170,000 | $187,836 | $3,423 | 3.50% |
| Outside of Metro Areas | 100 | $20,480,000 | $204,800 | $2,805 | 3.46% |
| Keene, NH (FHA|USDA|VA) | 156 | $18,950,000 | $121,474 | $2,506 | 3.72% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $12,705,000 | $12,705,000 | $0 | 4.50% |
| Laconia, NH (FHA|USDA|VA) | 82 | $12,300,000 | $150,000 | $2,079 | 3.07% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $10,255,000 | $10,255,000 | $0 | 4.50% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $9,005,000 | $9,005,000 | $0 | 4.50% |
| GOLDSBORO, NC (FHA|USDA|VA) | 3 | $8,545,000 | $2,848,333 | $0 | 3.58% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $8,005,000 | $8,005,000 | $0 | 4.50% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 60 | $7,800,000 | $130,000 | $1,757 | 3.21% |
| Berlin, NH (FHA|USDA|VA) | 48 | $6,710,000 | $139,792 | $1,879 | 3.42% |
| Sanford, NC (FHA|USDA|VA) | 1 | $6,505,000 | $6,505,000 | $0 | 4.50% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 22 | $5,130,000 | $233,182 | $3,342 | 4.39% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 23 | $4,065,000 | $176,739 | $3,568 | 3.32% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 14 | $3,690,000 | $263,571 | $4,441 | 3.51% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 9 | $3,255,000 | $361,667 | $3,770 | 3.62% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 21 | $3,005,000 | $143,095 | $1,277 | 3.11% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 13 | $2,795,000 | $215,000 | $4,395 | 3.52% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 11 | $2,635,000 | $239,545 | $2,927 | 3.98% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 13 | $2,065,000 | $158,846 | $1,894 | 4.57% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 4 | $1,920,000 | $480,000 | $0 | 2.50% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 9 | $1,735,000 | $192,778 | $8,794 | 3.79% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 7 | $1,705,000 | $243,571 | $5,499 | 2.84% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 6 | $1,610,000 | $268,333 | $6,579 | 3.77% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 8 | $1,470,000 | $183,750 | $4,968 | 3.97% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $7,991 | 4.54% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $3,047 | 2.66% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 10 | $1,330,000 | $133,000 | $4,366 | 4.47% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 7 | $1,175,000 | $167,857 | $1,673 | 3.27% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 10 | $1,170,000 | $117,000 | $3,786 | 3.08% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 6 | $1,160,000 | $193,333 | $3,867 | 3.39% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $1,140,000 | $570,000 | $9,053 | 4.19% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 7 | $1,115,000 | $159,286 | $3,209 | 3.84% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $7,116 | 4.59% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $0 | 3.08% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 6 | $1,040,000 | $173,333 | $1,768 | 4.00% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $3,732 | 3.40% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $7,606 | 4.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $2,647 | 3.81% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $2,533 | 3.85% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $2,511 | 4.10% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $5,713 | 4.38% |
| PITTSBURGH, PA (FHA|USDA|VA) | 5 | $985,000 | $197,000 | $4,855 | 4.28% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $4,889 | 3.96% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $2,048 | 4.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $4,349 | 4.02% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $3,656 | 3.50% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $10,332 | 3.31% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $5,164 | 3.12% |
| KINGSTON, NY (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,904 | 3.12% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $6,019 | 3.54% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $5,675 | 3.37% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $5,699 | 3.78% |
| SUMTER, SC (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $3,934 | 4.08% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $7,485 | 2.94% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $19,897 | 3.88% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,008 | 4.44% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 5 | $535,000 | $107,000 | $4,504 | 3.47% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $5,417 | 3.18% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $3,565 | 4.03% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 6 | $510,000 | $85,000 | $496 | 4.18% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 5 | $505,000 | $101,000 | $507 | 3.27% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $12,128 | 3.33% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 2.75% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $7,452 | 3.20% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,147 | 3.31% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $3,088 | 4.50% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $6,170 | 3.71% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,956 | 3.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $860 | 3.78% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $87 | 6.13% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $4,283 | 2.74% |
| MANHATTAN, KS (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,230 | 4.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $490 | 3.94% |
| CHEYENNE, WY (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,717 | 5.25% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $868 | 4.38% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $16,068 | 4.06% |
| VALDOSTA, GA (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $3,470 | 4.50% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $2,248 | 3.59% |
| Gillette, WY (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,128 | 3.25% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,073 | 4.25% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,748 | 4.50% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $15,644 | 4.38% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $511 | 3.93% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $0 | 4.25% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,121 | 4.63% |
| WICHITA, KS (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $2,652 | 5.58% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,083 | 3.25% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 2.50% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $1,628 | 4.75% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 4 | $290,000 | $72,500 | $2,427 | 2.62% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,003 | 4.38% |
| Vineyard Haven, MA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 4.13% |
| Washington, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,824 | 3.75% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $388 | 6.13% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,773 | 3.38% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,383 | 6.13% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,053 | 5.75% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $2,765 | 4.54% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,893 | 6.38% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,828 | 4.25% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 2.50% |
| Fort Polk South, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,235 | 4.00% |
| OCALA, FL (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $519 | 3.21% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,118 | 4.75% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,047 | 3.88% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,233 | 4.63% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 1.99% |
| Columbus, MS (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,350 | 4.25% |
| Torrington, CT (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 3.58% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 2.62% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,303 | 4.38% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $200,000 | $50,000 | $562 | 3.69% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 6.13% |
| Rutland, VT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,686 | 4.38% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 1.99% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,812 | 4.88% |
| RENO, NV (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 3.25% |
| Fairmont, WV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 5.88% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,358 | 5.38% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,960 | 2.13% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.75% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,678 | 5.00% |
| Danville, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,835 | 4.63% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $507 | 5.38% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $486 | 3.68% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,470 | 2.13% |
| Altus, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,209 | 5.63% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $125,000 | $41,667 | $908 | 4.08% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,628 | 3.88% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.00% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 2.50% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 2.50% |
| HATTIESBURG, MS (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $2,932 | 3.19% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $519 | 5.38% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.00% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $827 | 6.25% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.00% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,342 | 5.00% |
| TULSA, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,904 | 4.63% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,126 | 5.13% |
| SALEM, OR (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 2.25% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.00% |
| McAlester, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.25% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.00% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.50% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.00% |
| Sedalia, MO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 2.50% |
| Crossville, TN (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $726 | 6.38% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.25% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $834 | 5.13% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 2.50% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.75% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 1.99% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 2.50% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 1.99% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $520 | 5.13% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $507 | 4.88% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.50% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $486 | 4.88% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $507 | 6.00% |
| Duncan, OK (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 2.50% |
| Gloversville, NY (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $3,024 | 4.00% |
| ERIE, PA (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 1.99% |
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We use machine learning to identify the top lenders compared against Service Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2022, Service Federal Credit Union's most frequently originated type of loan was HELOC, with 1,544 originations. Their 2nd most popular type was Conventional, with 939 originations.
Loan Reason
For 2022, Service Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 1,389 originations. The 2nd most popular reason was Other, with 488 originations.
Loan Duration/Length
For 2022, Service Federal Credit Union's most frequently cited loan duration was Other, with 1,553 originations. The 2nd most popular length was 30 Year, with 410 originations.
Origination Fees/Closing Costs
Service Federal Credit Union's average total fees were $4,781, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 744 originations.
Interest Rates
During 2022, Service Federal Credit Union's average interest rate for loans was 4.36%, while their most frequently originated rate bucket for loans was <2.5%, with 1,176 originations.
Loan Sizing
2022 saw Service Federal Credit Union place emphasis on $100,000 or less loans with 1,172 originations, totaling $64,670,000 in origination value.
Applicant Income
Service Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 760 originations. The second most popular income band? $150k-250k, with 539 originations.
Applicant Debt to Income Ratio
Service Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 502 originations. The next most common DTI ratio? 30-36%, with 491 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.07%
Service Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination85.05%
Service Federal Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,576 | $530,790,000 | $206,052 |