# FIRST SERVICE Credit Union

> **Canonical URL:** https://saferate.com/lenders/first-service-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


FIRST SERVICE Credit Union is a credit union, headquartered in Houston, TX, with 193 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 11% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 43% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300IH3DF6NS2IYJ30
- **Headquarters:** Houston, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 89/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.240%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $743
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 193
- **Dollar Volume:** $39 million
- **Applications Received:** 274
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $201,218
- **Average Borrower Income:** $153,933
- **Average Property Value:** $317,539

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 192 | +0.233% | $744 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 101 loans, Score: 33/100 (Acceptable)
- Refinance: 91 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 32/100 | 102 | $25M | +0.240% | Acceptable 🙂 |
| Refinance | 57/100 | 91 | $14M | +0.239% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 193 | 0.06% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 150 | 74/100 |
| Non |  | 32 | 40/100 |

## Frequently Asked Questions

### What loan types does FIRST SERVICE Credit Union offer?

FIRST SERVICE Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FIRST SERVICE Credit Union offer mortgages?

FIRST SERVICE Credit Union offers mortgages in 1 states: TX.

### How competitive are FIRST SERVICE Credit Union's mortgage rates?

FIRST SERVICE Credit Union has a pricing score of 89/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.240% above market average.

### What type of lender is FIRST SERVICE Credit Union?

FIRST SERVICE Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Houston, TX.

### What is FIRST SERVICE Credit Union's loan approval success rate?

FIRST SERVICE Credit Union has a pull-through score of 57/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-service-credit-union

### How to Cite

> "FIRST SERVICE Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-service-credit-union

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