# FIRSTMARK

> **Canonical URL:** https://saferate.com/lenders/firstmark


> **📋 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


FIRSTMARK is a credit union, headquartered in San Antonio, TX, serving borrowers across 2 states, with 107 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 86% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 64% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900ZPTT694OV6U433
- **Headquarters:** San Antonio, TX
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** OH, TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 14/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.868%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,058
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 107
- **Dollar Volume:** $17 million
- **Applications Received:** 247
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $160,421
- **Average Borrower Income:** $111,935
- **Average Property Value:** $322,009

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 106 | +0.878% | $1,022 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 90 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 17/100 | 17 | $6M | -0.022% | Mediocre 😐 |
| Refinance | 61/100 | 90 | $11M | +1.048% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 106 | 0.03% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Antonio | TX | 97 | 72/100 |

## Where This Lender Ranks

FIRSTMARK appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in San Antonio Credit Unions
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in San Antonio for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does FIRSTMARK offer?

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

### Where does FIRSTMARK offer mortgages?

FIRSTMARK offers mortgages in 2 states: OH, TX.

### How competitive are FIRSTMARK's mortgage rates?

FIRSTMARK has a pricing score of 14/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.868% above market average.

### What type of lender is FIRSTMARK?

FIRSTMARK is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in San Antonio, TX.

### What is FIRSTMARK's loan approval success rate?

FIRSTMARK has a pull-through score of 36/100 (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/firstmark

### How to Cite

> "FIRSTMARK Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/firstmark

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**[View Interactive Profile →](https://saferate.com/lenders/firstmark)**