Pacific Service Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
22nd18.9% deniedPricingmedian rate spread over APOR, weight 30%
3rd1.78 ptsProcesswithdrawn + incomplete share, weight 15%
12th23.6%Closing coststotal loan costs ÷ loan amount, weight 10%
8th4.35% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,015 | 571 | 14.2% | 17.4% | 7.49% | $78M |
| 2024 | 1,061 | 614 | 13.2% | 16.8% | 8.24% | $88M |
| 2025 | 1,210 | 657 | 14.5% | 18.9% | 7.50% | $91M |
What Pacific Service Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 366 home-equity lines, 0 reverse mortgages, 6 manufactured homes, 97 investment properties.
Why Pacific Service Credit Union denies applications
Primary reason reported for each of the 175 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Pacific Service Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 37 | 10 | 54.2% |
| $50k – $100k | 191 | 101 | 26.8% |
| $100k – $150k | 256 | 140 | 17.6% |
| $150k – $250k | 432 | 252 | 13.8% |
| Over $250k | 294 | 154 | 18.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 85 | 29 | 26.7% |
| 35–44 | 327 | 169 | 21.6% |
| 45–54 | 302 | 172 | 19.9% |
| 55–64 | 229 | 135 | 14.4% |
| 65–74 | 178 | 103 | 11.8% |
| Over 74 | 81 | 48 | 24.2% |
Where Pacific Service Credit Union lends
13 states and 66 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 1,190 | 655 | 13.5% | 7.50% | #155 |
| Nevada | 5 | 2 | 20.0% | 6.63% | #377 |
Frequently asked questions
Pacific Service Credit Union denied 18.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 22nd percentile of small mortgage lenders.
The most common reason Pacific Service Credit Union gave in 2025 was "collateral", cited on 48.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Pacific Service Credit Union originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 1.78 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 12% of its applications were for home purchases, 9% for refinancing (including cash-out), and 79% for home improvement or other purposes. By loan type: 98% conventional, 2% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.