# FIRST CITY

> **Canonical URL:** https://saferate.com/lenders/first-city


> **📋 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


FIRST CITY is a credit union, headquartered in Altadena, CA, with 10 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 71% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300S1ULK3TJQ8I652
- **Headquarters:** Altadena, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Primary Channel:** mix
- **Direct Origination:** 70%
- **Brokered/Wholesale:** 30%

## Safe Rate Ratings

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


### Lending Volume
- **Total Loans:** 10
- **Dollar Volume:** $4 million
- **Applications Received:** 20
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $412,000
- **Average Borrower Income:** $123,200
- **Average Property Value:** $915,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 7/100 | 10 | +0.118% | $3,209 | Mediocre 😐 |

### Product Performance by Purpose

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 10 | 0.00% | 48/100 |

## Frequently Asked Questions

### What loan types does FIRST CITY offer?

FIRST CITY offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FIRST CITY offer mortgages?

FIRST CITY offers mortgages in 1 states: CA.

### What type of lender is FIRST CITY?

FIRST CITY is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Altadena, CA.

### What is FIRST CITY's loan approval success rate?

FIRST CITY 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/first-city

### How to Cite

> "FIRST CITY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-city

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