# FIRST NATIONS HOME FINANCE CORPORATION

> **Canonical URL:** https://saferate.com/lenders/first-nations-home-finance


> **📋 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 NATIONS HOME FINANCE CORPORATION is a independent mortgage company, headquartered in SAN DIEGO, CA, serving borrowers across 4 states, with 164 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 66% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300LHJR6FIWIU8E25
- **Headquarters:** SAN DIEGO, CA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AZ, CA, CO, NV
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.252%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,434
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 164
- **Dollar Volume:** $59 million
- **Applications Received:** 226
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $358,049
- **Average Borrower Income:** $154,201
- **Average Property Value:** $475,122

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 33/100 | 102 | +0.260% | $3,534 | Acceptable 🙂 |
| FHA | 53/100 | 22 | +0.451% | $3,710 | Sound ☺️ |
| VA | 58/100 | 15 | -0.378% | $3,387 | Sound ☺️ |
| USDA | 79/100 | 23 | +0.043% | $2,357 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 79 loans, Score: 33/100 (Acceptable)
- Refinance: 23 loans, Score: 36/100 (Acceptable)

**USDA:**
- Purchase: 23 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 137 | $53M | +0.254% | Sound ☺️ |
| Refinance | 35/100 | 27 | $6M | +0.237% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 156 | 0.05% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Riverside | CA | 127 | 75/100 |
| San Diego | CA | 21 | 53/100 |

## Where This Lender Ranks

FIRST NATIONS HOME FINANCE CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Riverside for USDA Loans
  - [View Full Rankings](https://saferate.com/riverside/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Riverside for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/riverside/best-mortgage-lenders/mortgage-companies/usda-loans)

## Frequently Asked Questions

### What loan types does FIRST NATIONS HOME FINANCE CORPORATION offer?

FIRST NATIONS HOME FINANCE CORPORATION offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FIRST NATIONS HOME FINANCE CORPORATION offer mortgages?

FIRST NATIONS HOME FINANCE CORPORATION offers mortgages in 4 states: AZ, CA, CO, NV.

### How competitive are FIRST NATIONS HOME FINANCE CORPORATION's mortgage rates?

FIRST NATIONS HOME FINANCE CORPORATION has a pricing score of 34/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.252% above market average.

### What type of lender is FIRST NATIONS HOME FINANCE CORPORATION?

FIRST NATIONS HOME FINANCE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in SAN DIEGO, CA.

### What is FIRST NATIONS HOME FINANCE CORPORATION's loan approval success rate?

FIRST NATIONS HOME FINANCE CORPORATION has a pull-through score of 59/100 (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/first-nations-home-finance

### How to Cite

> "FIRST NATIONS HOME FINANCE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-nations-home-finance

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