# PACIFIC SERVICE CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/pacific-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


PACIFIC SERVICE CREDIT UNION is a credit union, headquartered in Concord, CA, with 58 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 25% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 79% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300XR3B6372SESA46
- **Headquarters:** Concord, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.176%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $830
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 58
- **Dollar Volume:** $22 million
- **Applications Received:** 190
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $385,862
- **Average Borrower Income:** $197,741
- **Average Property Value:** $736,034

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 23/100 | 51 | +0.172% | $771 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 33 loans, Score: 22/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 24/100 | 40 | $18M | +0.203% | Acceptable 🙂 |
| Refinance | 25/100 | 18 | $5M | +0.096% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 58 | 0.02% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Oakland | CA | 14 | 53/100 |

## Frequently Asked Questions

### What loan types does PACIFIC SERVICE CREDIT UNION offer?

PACIFIC 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 PACIFIC SERVICE CREDIT UNION offer mortgages?

PACIFIC SERVICE CREDIT UNION offers mortgages in 1 states: CA.

### How competitive are PACIFIC SERVICE CREDIT UNION's mortgage rates?

PACIFIC SERVICE CREDIT UNION has a pricing score of 75/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.176% above market average.

### What type of lender is PACIFIC SERVICE CREDIT UNION?

PACIFIC SERVICE CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Concord, CA.

### What is PACIFIC SERVICE CREDIT UNION's loan approval success rate?

PACIFIC SERVICE CREDIT UNION has a pull-through score of 21/100 (Acceptable). 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/pacific-service-credit-union

### How to Cite

> "PACIFIC SERVICE CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/pacific-service-credit-union

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