# First Financial Credit Union

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


First Financial Credit Union is a credit union, headquartered in Albuquerque, NM, with 30 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 40% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 61% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493002ABBXAWQFIKV03
- **Headquarters:** Albuquerque, NM
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NM
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 60/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.032%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,780
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 30
- **Dollar Volume:** $6 million
- **Applications Received:** 43
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $212,667
- **Average Borrower Income:** $92,267
- **Average Property Value:** $317,667

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 22/100 | 30 | -0.032% | $2,780 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 18/100 | 15 | $4M | +0.142% | Mediocre 😐 |
| Refinance | 32/100 | 15 | $2M | -0.206% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NM | 30 | 0.15% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Albuquerque, NM | NM | 17 | 57/100 |
| Non |  | 11 | 33/100 |

## Frequently Asked Questions

### What loan types does First Financial Credit Union offer?

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

### Where does First Financial Credit Union offer mortgages?

First Financial Credit Union offers mortgages in 1 states: NM.

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

First Financial Credit Union has a pricing score of 60/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.032% below market average.

### What type of lender is First Financial Credit Union?

First Financial Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Albuquerque, NM.

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

First Financial Credit Union has a pull-through score of 39/100 (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-financial-credit-union

### How to Cite

> "First Financial Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-financial-credit-union

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