SERVU FEDERAL CREDIT UNION
SERVU FEDERAL CREDIT UNION received 616 applications in 2025 and made 469 mortgages, in 19 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $65,000. Of 556 decisions, 71 were denials — 12.8%. 80 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493006MFBT1AI7V3W25 |
|---|---|
| Applications received | 616 |
| Mortgages made | 469 |
| Denied | 71 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 60 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 55 | Not published | $105,000 | 12.5% |
| Refinancing | 120 | Not published | $95,000 | 11.1% |
| Cash-out refinancing | 17 | Not published | $75,000 | 10.5% |
| Other purposes | 277 | Not published | $55,000 | 13.7% |
Where SERVU FEDERAL CREDIT UNION lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Steuben County, NY | 292 | Not published | 10.6% |
| Allegany County, NY | 43 | Not published | 10.4% |
| Yates County, NY | 35 | Not published | 20.5% |
| Chemung County, NY | 32 | Not published | 20.0% |
| Schuyler County, NY | 24 | Not published | 7.7% |
| Tioga County, PA | 9 | Under 10 loans | 9.1% |
| Livingston County, NY | 8 | Under 10 loans | 0.0% |
| Monroe County, NY | 7 | Under 10 loans | 12.5% |
| Ontario County, NY | 6 | Under 10 loans | 0.0% |
| Niagara County, NY | 3 | Under 10 loans | 0.0% |
| Broome County, NY | 2 | Under 10 loans | 0.0% |
| Saratoga County, NY | 2 | Under 10 loans | 0.0% |
| Cattaraugus County, NY | 1 | Under 10 loans | 0.0% |
| Dutchess County, NY | 1 | Under 10 loans | 0.0% |
| Erie County, NY | 1 | Under 10 loans | 0.0% |
| Oswego County, NY | 1 | Under 10 loans | 0.0% |
| Cortland County, NY | 0 | Under 10 loans | Not published |
| Madison County, NY | 0 | Under 10 loans | Not published |
| Potter County, PA | 0 | Under 10 loans | 100.0% |
Get told when this changes
When SERVU FEDERAL 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.