# Firefighters First Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/firefighters-first-federal-credit-union


> **📋 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


Firefighters First Federal Credit Union is a credit union, headquartered in Pasadena, CA, serving borrowers across 11 states, with 162 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 16% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 71% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300ZS1TR1B4LHX377
- **Headquarters:** Pasadena, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** AZ, CA, CO, ID, MT, NV, OR, TN, TX, UT, WA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.452%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $828
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 162
- **Dollar Volume:** $81 million
- **Applications Received:** 284
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $499,136
- **Average Borrower Income:** $191,883
- **Average Property Value:** $794,259

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 32/100 | 147 | -0.434% | $870 | Acceptable 🙂 |
| Jumbo | 61/100 | 15 | -0.627% | $419 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 93 loans, Score: 31/100 (Acceptable)
- Refinance: 54 loans, Score: 44/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 31/100 | 102 | $52M | -0.367% | Acceptable 🙂 |
| Refinance | 41/100 | 60 | $29M | -0.596% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 95 | 0.03% | 62/100 |
| AZ | 19 | 0.02% | 49/100 |
| TX | 13 | 0.00% | 40/100 |
| NV | 12 | 0.03% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Riverside | CA | 21 | 52/100 |
| Non |  | 19 | 33/100 |
| Los Angeles | CA | 17 | 49/100 |
| Sacramento | CA | 14 | 48/100 |

## Frequently Asked Questions

### What loan types does Firefighters First Federal Credit Union offer?

Firefighters First Federal Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Firefighters First Federal Credit Union offer mortgages?

Firefighters First Federal Credit Union offers mortgages in 11 states: AZ, CA, CO, ID, MT, NV, OR, TN, TX, UT, WA.

### How competitive are Firefighters First Federal Credit Union's mortgage rates?

Firefighters First Federal Credit Union has a pricing score of 84/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.452% below market average.

### What type of lender is Firefighters First Federal Credit Union?

Firefighters First Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Pasadena, CA.

### What is Firefighters First Federal Credit Union's loan approval success rate?

Firefighters First Federal Credit Union has a pull-through score of 29/100 (Acceptable). 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/firefighters-first-federal-credit-union

### How to Cite

> "Firefighters First Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/firefighters-first-federal-credit-union

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