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Service 1ST

Credit Union•Danville, PAHQ•Direct & Wholesale•Reviews near you on Google

Service 1ST has 49 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Sound
3/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Active
Single State
Promptness
Not enough data
—/5
No quote responses measured yet

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Report Card

Service 1ST performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
47 loans · 1.00% above market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Purchase
19 loans
Mediocre
Bottom 20% of lenders
1/5
Refinance
30 loans · 1.00% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Single State · 1 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Sound
Volume47
Mix95.9%
Spread
+0.999%Above
Fees
$0Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Mediocre
Pricing—
Pull Through
Acceptable
Volume19
Mix38.8%
Spread—
Fees—
Refinance
Overall
Sound
Product
Acceptable
Pricing—
Pull Through
Strong
Volume30
Mix61.2%
Spread
+0.999%Above
Fees
$0Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
49
Applications
61
Volume
$10 million
Pricing & Closing
Pullthrough Rate
80.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$221,735
Avg Borrower Income
$134,673
Avg Property Value
$311,531

Geographic Coverage

Geographic Performance

Metro Areas
0
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
N/A

States with Loan Originations

1Full-year 2024 · HMDA
1 states with loan originations
Loans originated
All statesNone
Northeast1
PA

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 49Mix 100.00% of portfolio
63/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.