FIRST SERVICE Credit Union
FIRST SERVICE Credit Union received 495 applications in 2025 and made 320 mortgages, in 36 counties across 1 state. The median rate its borrowers got was 6.750% on a median loan of $145,000. Of 369 decisions, 41 were denials — 11.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300IH3DF6NS2IYJ30 |
|---|---|
| Applications received | 495 |
| Mortgages made | 320 |
| Denied | 41 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 126 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.334 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 89 | 6.250% | $285,000 | 5.2% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Cash-out refinancing | 225 | 7.445% | $105,000 | 12.8% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where FIRST SERVICE Credit Union lends most
The 36 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Harris County, TX | 177 | 6.750% | 13.2% |
| Fort Bend County, TX | 43 | 6.600% | 4.4% |
| Montgomery County, TX | 38 | 7.203% | 7.3% |
| Brazoria County, TX | 11 | 6.500% | 8.3% |
| Waller County, TX | 6 | Under 10 loans | 0.0% |
| Matagorda County, TX | 5 | Under 10 loans | 0.0% |
| Galveston County, TX | 4 | Under 10 loans | 0.0% |
| Jefferson County, TX | 3 | Under 10 loans | 40.0% |
| Polk County, TX | 3 | Under 10 loans | 0.0% |
| Bexar County, TX | 2 | Under 10 loans | 50.0% |
| Cameron County, TX | 2 | Under 10 loans | 0.0% |
| Chambers County, TX | 2 | Under 10 loans | 0.0% |
| Dallas County, TX | 2 | Under 10 loans | 0.0% |
| Denton County, TX | 2 | Under 10 loans | 0.0% |
| Hidalgo County, TX | 2 | Under 10 loans | 0.0% |
| Jasper County, TX | 2 | Under 10 loans | 0.0% |
| Nueces County, TX | 2 | Under 10 loans | 33.3% |
| Travis County, TX | 2 | Under 10 loans | 0.0% |
| Austin County, TX | 1 | Under 10 loans | 0.0% |
| Burleson County, TX | 1 | Under 10 loans | 0.0% |
| Collin County, TX | 1 | Under 10 loans | 0.0% |
| Ellis County, TX | 1 | Under 10 loans | 0.0% |
| Hood County, TX | 1 | Under 10 loans | 0.0% |
| Hopkins County, TX | 1 | Under 10 loans | 0.0% |
| Liberty County, TX | 1 | Under 10 loans | 50.0% |
| McLennan County, TX | 1 | Under 10 loans | 0.0% |
| Parker County, TX | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Washington County, TX | 1 | Under 10 loans | 0.0% |
| Webb County, TX | 1 | Under 10 loans | 0.0% |
| Hays County, TX | 0 | Under 10 loans | Not published |
| Johnson County, TX | 0 | Under 10 loans | Not published |
| Trinity County, TX | 0 | Under 10 loans | 100.0% |
| Tyler County, TX | 0 | Under 10 loans | Not published |
| Victoria County, TX | 0 | Under 10 loans | Not published |
| Wharton County, TX | 0 | Under 10 loans | Not published |
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When FIRST SERVICE Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.