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 score and performance metrics.

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 an overall pricing score of 88.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is FIRST SERVICE Credit Union?

FIRST SERVICE Credit Union is a Credit Union headquartered in Houston, TX.

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FIRST SERVICE Credit Union

Credit Union•Houston, TXHQ•Direct•Reviews near you on Google

FIRST SERVICE Credit Union has 193 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Single State · 1 mkts

Awards

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

FIRST SERVICE Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+24.0 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Exceptional	Sound	192	99.5%	+0.233%Above	$744Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume192

Mix99.5%

Spread

+0.233%Above

Fees

$744Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Sound	102	52.8%	+0.240%Above	$919Fees
Refinance	Strong	Sound	Exceptional	Sound	91	47.2%	+0.239%Above	$623Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Sound

Volume102

Mix52.8%

Spread

+0.240%Above

Fees

$919Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume91

Mix47.2%

Spread

+0.239%Above

Fees

$623Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

193

Applications

274

Volume

$38 million

Pricing & Closing

Avg Rate Spread

+0.240%

vs. market APOR

Avg Net Fees

$743

Origination − Credits

Pullthrough Rate

70.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$201,218

Avg Borrower Income

$153,933

Avg Property Value

$317,539

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

South1

Top Metro Areas by Place Specialization Score

Houston, TXMetro

Volume 150Mix 77.72% of portfolio

74/100

Strong

Top States by Place Specialization Score

TexasState

Volume 193Mix 100.00% of portfolio

71/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.