Applications / Mortgage Analytics / Lenders / New Hampshire / Service Federal Credit Union
Portsmouth, NH · Credit union · NCUA · $6.5 billion assets · 2,074 loans in 2025
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2,074
loans originated, 2025
3,882
applications, 2025
46
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Service Federal Credit Union is a New Hampshire credit union lending in 46 states, mostly for home improvement, whose originations rose 13% in 2025.
Home improvement made up 43.9% of its lending and other purposes 21.6%, against 20.4% for purchase and 14.0% for refinance. Its loans reached 46 states and 153 metros, and in 2025 it first lent in Austin-Round Rock-San Marcos, Santa Rosa-Petaluma and non-metro Maryland.
10.1% of its loans were jumbo (larger than the conforming limit), against 1.5% at similar lenders (credit unions making between half and twice as many loans) and 1.6% five years earlier, higher than about nine in ten similar lenders. VA loans (guaranteed by the Department of Veterans Affairs) were 2.7%, against 0.0%. None of its loans were higher-priced (a rate well above the average for similar loans), against 1.7%, and its typical rate was 6.49%, against 7.00%.
Originations rose 13% to 2,074 from 1,834, while similar lenders and the whole market each grew 10%, near the middle of similar lenders. It made 726 loans in 2018 and 2,576 in 2022. It also bought 190 loans. 26.4% of its loans went to LMI (low- and moderate-income) borrowers, against 27.0%.
It ranked 9 of 386 lenders in non-metro New Hampshire and 20 of 344 in Manchester-Nashua, where its share rose to 1.2% from 1.1%. In Portland-South Portland its share fell to 0.4% from 0.5%; with lending spread across 46 states, a small shift elsewhere could account for that.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Service Federal Credit Union took 3,882 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 43.9% · Other 21.6% · Purchase 20.4% · Refinance 14.0%
Conventional 97.3% · VA 2.7% · of 2,074 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New Hampshire | 1,321 | 63.7% |
| Massachusetts | 184 | 8.9% |
| Maine | 126 | 6.1% |
| Florida | 43 | 2.1% |
| Georgia | 41 | 2.0% |
| Vermont | 36 | 1.7% |
| North Carolina | 32 | 1.5% |
| California | 29 | 1.4% |
| Virginia | 25 | 1.2% |
| Washington | 24 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rockingham County-Strafford County | 622 |
| Manchester-Nashua | 222 |
| Portland-South Portland | 109 |
| Cambridge-Newton-Framingham | 100 |
| Barnstable Town | 39 |
| Atlanta-Sandy Springs-Roswell | 22 |
| Boston | 21 |
| Worcester | 18 |
| Arlington-Alexandria-Reston | 17 |
| Seattle-Bellevue-Kent | 11 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900P7WLDQD9IUL038 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 839581 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568375 | 1999–2017 |
Established 1 January 1957. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Service Federal Credit Union's data.
Service Federal Credit Union's data
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Service Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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