# 1ST FINANCIAL, INC.

> **Canonical URL:** https://saferate.com/lenders/1st-financial


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


1ST FINANCIAL, INC. is a independent mortgage company, headquartered in Linthicum, MD, serving borrowers across 6 states, with 307 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 93% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300AT7S7TRS2KSX88
- **Headquarters:** Linthicum, MD
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** DC, FL, MD, PA, TX, VA
- **Markets (MSAs):** 6
- **Primary Channel:** mix
- **Direct Origination:** 68%
- **Brokered/Wholesale:** 32%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 7/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.946%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,514
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 307
- **Dollar Volume:** $136 million
- **Applications Received:** 600
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $443,013
- **Average Borrower Income:** $151,873
- **Average Property Value:** $512,883

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 166 | +0.948% | $5,300 | Sound ☺️ |
| FHA | 67/100 | 126 | +1.043% | $5,533 | Strong 😀 |
| VA | 38/100 | 11 | +0.188% | $7,074 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 149 loans, Score: 44/100 (Sound)

**FHA:**
- Purchase: 117 loans, Score: 67/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 52/100 | 279 | $124M | +0.949% | Sound ☺️ |
| Refinance | 39/100 | 28 | $12M | +0.902% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 246 | 0.08% | 71/100 |
| MD | 49 | 0.07% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Miami | FL | 132 | 76/100 |
| Fort Lauderdale | FL | 47 | 63/100 |
| Baltimore | MD | 24 | 53/100 |
| Cape Coral | FL | 14 | 48/100 |
| Tampa, FL | FL | 14 | 46/100 |
| Washington, DC | DC-MD | 12 | 46/100 |

## Frequently Asked Questions

### What loan types does 1ST FINANCIAL, INC. offer?

1ST FINANCIAL, INC. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does 1ST FINANCIAL, INC. offer mortgages?

1ST FINANCIAL, INC. offers mortgages in 6 states: DC, FL, MD, PA, TX, VA.

### How competitive are 1ST FINANCIAL, INC.'s mortgage rates?

1ST FINANCIAL, INC. has a pricing score of 7/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.946% above market average.

### What type of lender is 1ST FINANCIAL, INC.?

1ST FINANCIAL, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Linthicum, MD.

### What is 1ST FINANCIAL, INC.'s loan approval success rate?

1ST FINANCIAL, INC. has a pull-through score of 49/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/1st-financial

### How to Cite

> "1ST FINANCIAL, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/1st-financial

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