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Service Federal Credit Union

Credit Union•Portsmouth, NHHQ•Direct•Reviews near you on Google

Service Federal Credit Union has 329 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · VA · Jumbo
Place
Strong
4/5
Near-National · 4 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 42.00 basis points below market average
  • Lower than average lender fees
  • Nationwide availability with consistent service

Explore another lender or local market

Report Card

Service Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 42.0 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
VA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Exceptional
Pull Through
Acceptable
Volume247
Mix75.1%
Spread
-0.379%Below
Fees
$561Fees
VA Loans
Overall
Sound
Product
Sound
Pricing
Exceptional
Pull Through
Mediocre
Volume42
Mix12.8%
Spread
-0.456%Below
Fees
$28Credit
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume38
Mix11.6%
Spread
-0.727%Below
Fees
$680Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Exceptional
Pull Through
Acceptable
Volume234
Mix71.1%
Spread
-0.416%Below
Fees
$363Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume95
Mix28.9%
Spread
-0.430%Below
Fees
$870Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
329
Applications
677
Volume
$142 million
Pricing & Closing
Avg Rate Spread
-0.420%
vs. market APOR
Avg Net Fees
$498
Origination − Credits
Pullthrough Rate
48.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$433,541
Avg Borrower Income
$198,395
Avg Property Value
$611,413

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
39
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

39
39 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast9
CTMEMANHNJNYPARIVT
Midwest10
IAILINMNMONDNEOHSDWI
South15
ALARFLGAKYLAMDMSNCOKSCTNTXVAWV
West5
AZCACOIDWA

Top Metro Areas by Place Specialization Score

1© John Phelan · CC BY-SA 3.0
Rockingham County, NHMetro
Volume 79Mix 24.01% of portfolio
78/100
Strong
2© Quintin Soloviev · CC BY 4.0
Manchester, NHMetro
Volume 22Mix 6.69% of portfolio
58/100
Sound
3© Seasider53 · CC BY 4.0
Portland, MEMetro
Volume 26Mix 7.90% of portfolio
58/100
Sound
4© Percival Kestreltail · CC BY-SA 3.0
Cambridge, MAMetro
Volume 19Mix 5.78% of portfolio
50/100
Sound

Top States by Place Specialization Score

New Hampshire
New Hampshire
1
New HampshireState
Volume 165Mix 50.15% of portfolio
81/100
Exceptional
Maine
Maine
2
MaineState
Volume 32Mix 9.73% of portfolio
57/100
Sound
Massachusetts
Massachusetts
3
MassachusettsState
Volume 30Mix 9.12% of portfolio
52/100
Sound
Vermont
Vermont
4
VermontState
Volume 11Mix 3.34% of portfolio
44/100
Sound
California
California
5
CaliforniaState
Volume 10Mix 3.04% of portfolio
37/100
Acceptable
Florida
Florida
6
FloridaState
Volume 11Mix 3.34% of portfolio
36/100
Acceptable

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.