# SCHOOLSFIRST

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


> **📋 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


SCHOOLSFIRST is a credit union, headquartered in Tustin, CA, with 1,736 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 21% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 28% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493001NJEVHTZW7FG34
- **Headquarters:** Tustin, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 10
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

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

### Pricing Details
- **Average Rate Spread:** -0.013%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $374
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,736
- **Dollar Volume:** $989 million
- **Applications Received:** 2,472
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $569,758
- **Average Borrower Income:** $179,728
- **Average Property Value:** $795,956

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Jumbo Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 75/100 | 1,605 | -0.013% | $396 | Strong 😀 |
| FHA | 55/100 | 31 | +0.625% | $265 | Sound ☺️ |
| Jumbo | 79/100 | 100 | -0.240% | $54 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,279 loans, Score: 74/100 (Strong)
- Refinance: 326 loans, Score: 73/100 (Strong)

**FHA:**
- Purchase: 31 loans, Score: 55/100 (Sound)

**Jumbo:**
- Purchase: 81 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 73/100 | 1,391 | $823M | +0.019% | Strong 😀 |
| Refinance | 72/100 | 345 | $166M | -0.148% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 1,736 | 0.61% | 85/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Riverside | CA | 554 | 85/100 |
| Anaheim | CA | 491 | 92/100 |
| Los Angeles | CA | 380 | 81/100 |
| Sacramento | CA | 116 | 68/100 |
| San Diego | CA | 57 | 59/100 |
| Bakersfield | CA | 21 | 50/100 |
| Oakland | CA | 15 | 44/100 |
| Yuba City, CA | CA | 14 | 48/100 |
| Oxnard | CA | 13 | 44/100 |
| Non |  | 10 | 19/100 |

## Where This Lender Ranks

SCHOOLSFIRST appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in California Credit Unions
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in California for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in California for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Riverside
  - [View Full Rankings](https://saferate.com/riverside/best-mortgage-lenders)
- 🥇 **#1** in Riverside for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/riverside/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Riverside for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/riverside/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in Riverside for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/riverside/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Anaheim Credit Unions
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Anaheim for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Anaheim for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Los Angeles Credit Unions
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Los Angeles for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Los Angeles for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in Los Angeles for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Sacramento Credit Unions
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Yuba City, CA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/yuba-city-ca/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Riverside for Conventional Loans
  - [View Full Rankings](https://saferate.com/riverside/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Riverside for Jumbo Loans
  - [View Full Rankings](https://saferate.com/riverside/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Anaheim
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders)
- 🥈 **#2** in Sacramento for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does SCHOOLSFIRST offer?

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

### Where does SCHOOLSFIRST offer mortgages?

SCHOOLSFIRST offers mortgages in 1 states: CA.

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

SCHOOLSFIRST has a pricing score of 79/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.013% below market average.

### What type of lender is SCHOOLSFIRST?

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

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

SCHOOLSFIRST 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/schoolsfirst

### How to Cite

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

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