Servu Federal 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 C 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%
38th12.8% deniedProcesswithdrawn + incomplete share, weight 15%
58th9.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 531 | 358 | 11.1% | 14.0% | — | $26M |
| 2024 | 477 | 351 | 13.4% | 15.3% | — | $25M |
| 2025 | 616 | 469 | 11.5% | 12.8% | — | $43M |
What Servu Federal 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: 0 home-equity lines, 0 reverse mortgages, 45 manufactured homes, 15 investment properties.
Who gets approved at Servu Federal 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 | 126 | 81 | 21.8% |
| $50k – $100k | 251 | 186 | 14.8% |
| $100k – $150k | 125 | 98 | 10.4% |
| $150k – $250k | 88 | 80 | 2.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 115 | 89 | 8.7% |
| 35–44 | 125 | 93 | 14.4% |
| 45–54 | 147 | 106 | 15.5% |
| 55–64 | 129 | 104 | 10.1% |
| 65–74 | 65 | 50 | 15.0% |
| Over 74 | 21 | 17 | 15.0% |
Where Servu Federal Credit Union lends
2 states and 19 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 603 | 460 | 11.4% | — | #121 |
| Pennsylvania | 13 | 9 | 15.4% | — | #659 |
Frequently asked questions
Servu Federal Credit Union denied 12.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 38th percentile of small mortgage lenders.
In 2025, 16% of its applications were for home purchases, 27% for refinancing (including cash-out), and 56% for home improvement or other purposes. By loan type: 100% conventional, 0% 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.