# FIRST STANDARD FINANCIAL CORP.

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


FIRST STANDARD FINANCIAL CORP. is a independent mortgage company, headquartered in LOS ANGELES, CA, serving borrowers across 5 states, with 424 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 83% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 28% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493001K7B4W8IPMZ254
- **Headquarters:** LOS ANGELES, CA
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AZ, CA, NJ, TX, WA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 98.6%
- **Brokered/Wholesale:** 1.4%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 17/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.324%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,900
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 424
- **Dollar Volume:** $285 million
- **Applications Received:** 424
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $673,302
- **Average Borrower Income:** $26,946
- **Average Property Value:** $1,111,651

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 378 | +0.314% | $3,823 | Sound ☺️ |
| Jumbo | 70/100 | 37 | +0.438% | $3,668 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 300 loans, Score: 52/100 (Sound)
- Refinance: 78 loans, Score: 54/100 (Sound)

**Jumbo:**
- Purchase: 27 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 336 | $226M | +0.304% | Sound ☺️ |
| Refinance | 53/100 | 88 | $60M | +0.432% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 399 | 0.14% | 75/100 |
| TX | 12 | 0.00% | 37/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 216 | 79/100 |
| Anaheim | CA | 99 | 74/100 |
| Riverside | CA | 59 | 62/100 |
| San Diego | CA | 10 | 41/100 |

## Frequently Asked Questions

### What loan types does FIRST STANDARD FINANCIAL CORP. offer?

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

### Where does FIRST STANDARD FINANCIAL CORP. offer mortgages?

FIRST STANDARD FINANCIAL CORP. offers mortgages in 5 states: AZ, CA, NJ, TX, WA.

### How competitive are FIRST STANDARD FINANCIAL CORP.'s mortgage rates?

FIRST STANDARD FINANCIAL CORP. has a pricing score of 17/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.324% above market average.

### What type of lender is FIRST STANDARD FINANCIAL CORP.?

FIRST STANDARD FINANCIAL CORP. is a non-depository lender that specializes in mortgage origination, headquartered in LOS ANGELES, CA.

### What is FIRST STANDARD FINANCIAL CORP.'s loan approval success rate?

FIRST STANDARD FINANCIAL CORP. has a pull-through score of 72/100 (Strong). 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-standard-financial

### How to Cite

> "FIRST STANDARD FINANCIAL CORP. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-standard-financial

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