Service Federal Credit Union closing costs and rates (2024)
In 2024, Service Federal Credit Union originated 208 purchase mortgages at a median interest rate of 6.00% and median total closing costs of $3,570. That is $3,171 below the national median of $6,741. Service Federal Credit Union is most active in New Hampshire with 99 originations there.
Purchase Originations
208
Median Total Costs
$3,570
−47.0% vs national ($6,741)
Median Rate
6.000%
−9.4% vs national (6.620%)
Median Origination
$761
Median Lender Credits
$650
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 170 | 6.000% | $3,539 | $761 |
| va | 36 | 6.250% | $5,484 | $675 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Hampshire | 99 | 6.000% | $3,368 | #23 |
| Massachusetts | 21 | 5.875% | $4,598 | — |
| Maine | 17 | 6.000% | $3,414 | — |
| Vermont | 9 | 6.375% | $3,600 | — |
| Florida | 7 | 6.000% | $4,708 | — |
| Georgia | 5 | 6.500% | $5,490 | — |
| Texas | 4 | 5.875% | $9,777 | — |
| Maryland | 3 | 6.375% | $5,477 | — |
| North Dakota | 3 | 6.125% | $6,243 | — |
| Pennsylvania | 3 | 7.000% | $4,326 | — |
| Rhode Island | 3 | 5.625% | $4,142 | — |
| Arkansas | 2 | 5.812% | $1,903 | — |
| Kentucky | 2 | 6.375% | $6,717 | — |
| Minnesota | 2 | 6.500% | $2,897 | — |
| North Carolina | 2 | 5.875% | $2,277 | — |
| New Jersey | 2 | 5.688% | $7,166 | — |
| Ohio | 2 | 6.438% | $8,604 | — |
| Virginia | 2 | 6.688% | $3,184 | — |
| Alabama | 1 | 6.125% | $3,124 | — |
| Arizona | 1 | 6.125% | $9,475 | — |
| California | 1 | 6.375% | $9,306 | — |
| Colorado | 1 | 5.875% | $2,802 | — |
| Connecticut | 1 | 5.625% | $4,410 | — |
| Iowa | 1 | 5.875% | $2,668 | — |
| Idaho | 1 | 7.125% | $3,654 | — |
| Illinois | 1 | 5.625% | $6,267 | — |
| Indiana | 1 | 6.125% | $9,971 | — |
| Louisiana | 1 | 6.375% | $6,502 | — |
| Missouri | 1 | 5.625% | $2,829 | — |
| Mississippi | 1 | 6.375% | $3,228 | — |
| Nebraska | 1 | 6.500% | $15,203 | — |
| New York | 1 | 6.125% | $4,332 | — |
| Oklahoma | 1 | 6.125% | $1,980 | — |
| South Carolina | 1 | 5.875% | $671 | — |
| South Dakota | 1 | 6.125% | $1,890 | — |
| Washington | 1 | 6.625% | $3,906 | — |
| Wisconsin | 1 | 5.875% | $2,422 | — |
| West Virginia | 1 | 6.375% | $6,415 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,944 | 5.938% | — | 4 | −$626 | |
| 2 | $3,052 | 7.125% | — | 3 | −$518 | |
| 3 | $3,073 | 6.500% | — | 5 | −$497 | |
| 4 | $3,164 | 6.000% | — | 5 | −$406 | |
| 5 | $3,265 | 5.875% | — | 32 | −$305 | |
| 6 | $3,394 | 6.188% | — | 14 | −$176 | |
| 7 | $3,444 | 5.750% | — | 17 | −$126 | |
| 8 | $3,481 | 5.875% | — | 2 | −$89 | |
| 9 | $3,496 | 6.062% | — | 10 | −$74 | |
| 10 | $3,541 | 6.000% | — | 15 | −$29 | |
| 11 | $3,920 | 6.000% | — | 3 | +$350 | |
| 12 | $4,070 | 5.875% | — | 5 | +$500 | |
| 13 | $4,241 | 6.312% | — | 4 | +$671 | |
| 14 | $4,394 | 5.812% | — | 4 | +$824 | |
| 15 | $4,591 | 5.812% | — | 4 | +$1,021 | |
| 16 | $5,528 | 6.375% | — | 2 | +$1,958 | |
| 17 | $5,638 | 5.750% | — | 7 | +$2,068 | |
| 18 | $5,743 | 6.500% | — | 2 | +$2,173 | |
| 19 | $6,782 | 5.562% | — | 2 | +$3,212 | |
| 20 | $11,066 | 6.188% | — | 2 | +$7,496 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.