# Service Federal Credit Union

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


Service Federal Credit Union is a credit union, headquartered in Portsmouth, NH, serving borrowers across 39 states, with 329 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 16% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900P7WLDQD9IUL038
- **Headquarters:** Portsmouth, NH
- **Geographic Reach:** Near-National
- **States Served:** 39
- **State List:** AL, AR, AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KY, LA, MA, MD, ME, MN, MO, MS, NC, ND, NE, NH, NJ, NY, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WA, WI, WV
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.420%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $498
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 329
- **Dollar Volume:** $143 million
- **Applications Received:** 677
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $433,541
- **Average Borrower Income:** $198,395
- **Average Property Value:** $611,413

## Safe Rate Awards 🏆

- ⭐ **Jumbo Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 247 | -0.379% | $561 | Sound ☺️ |
| VA | 45/100 | 42 | -0.456% | $-28 | Sound ☺️ |
| Jumbo | 73/100 | 38 | -0.727% | $680 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 175 loans, Score: 50/100 (Sound)
- Refinance: 72 loans, Score: 62/100 (Strong)

**VA:**
- Purchase: 36 loans, Score: 44/100 (Sound)

**Jumbo:**
- Purchase: 21 loans, Score: 46/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 234 | $96M | -0.416% | Sound ☺️ |
| Refinance | 63/100 | 95 | $47M | -0.430% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NH | 165 | 1.06% | 81/100 |
| ME | 32 | 0.21% | 57/100 |
| MA | 30 | 0.05% | 52/100 |
| FL | 11 | 0.00% | 36/100 |
| VT | 11 | 0.19% | 44/100 |
| CA | 10 | 0.00% | 37/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 94 | 55/100 |
| Rockingham County | NH | 79 | 78/100 |
| Portland | ME | 26 | 58/100 |
| Manchester | NH | 22 | 58/100 |
| Cambridge | MA | 19 | 50/100 |

## Where This Lender Ranks

Service Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in New Hampshire Credit Unions
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in New Hampshire for Jumbo Loans
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Rockingham County Credit Unions
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Rockingham County for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Maine Credit Unions
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Portland Credit Unions
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in New Hampshire
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders)
- 🏆 **#4** in New Hampshire for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Manchester Credit Unions
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Rockingham County
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders)
- 🏆 **#5** in Manchester for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Maine for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Portland for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#20** in Manchester
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Service Federal Credit Union offer?

Service Federal Credit Union offers the following mortgage loan types: Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Service Federal Credit Union offer mortgages?

Service Federal Credit Union offers mortgages in 39 states: AL, AR, AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KY, LA, MA, MD, ME, MN, MO, MS, NC, ND, NE, NH, NJ, NY, OH, OK, PA, RI, SC, SD, TN, TX, VA, VT, WA, WI, WV.

### How competitive are Service Federal Credit Union's mortgage rates?

Service Federal Credit Union has a pricing score of 84/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.420% below market average.

### What type of lender is Service Federal Credit Union?

Service Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Portsmouth, NH.

### What is Service Federal Credit Union's loan approval success rate?

Service Federal Credit Union has a pull-through score of 45/100 (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/service-federal-credit-union

### How to Cite

> "Service Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/service-federal-credit-union

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