# THE FIRST FINANCIAL FEDERAL CREDIT UNION

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


THE FIRST FINANCIAL FEDERAL CREDIT UNION is a credit union, headquartered in Pasadena, CA, with 95 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 61% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930074FI0I2Q6G5S43
- **Headquarters:** Pasadena, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **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: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +1.519%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-49
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 95
- **Dollar Volume:** $8 million
- **Applications Received:** 152
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $88,789
- **Average Borrower Income:** $126,779
- **Average Property Value:** $846,579

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 30/100 | 95 | +1.519% | $-49 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 93 loans, Score: 56/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Refinance | 52/100 | 93 | $8M | +1.595% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 95 | 0.03% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 46 | 64/100 |
| Riverside | CA | 38 | 61/100 |

## Frequently Asked Questions

### What loan types does THE FIRST FINANCIAL FEDERAL CREDIT UNION offer?

THE FIRST FINANCIAL FEDERAL 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 THE FIRST FINANCIAL FEDERAL CREDIT UNION offer mortgages?

THE FIRST FINANCIAL FEDERAL CREDIT UNION offers mortgages in 1 states: CA.

### How competitive are THE FIRST FINANCIAL FEDERAL CREDIT UNION's mortgage rates?

THE FIRST FINANCIAL FEDERAL CREDIT UNION 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 1.519% above market average.

### What type of lender is THE FIRST FINANCIAL FEDERAL CREDIT UNION?

THE FIRST FINANCIAL FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Pasadena, CA.

### What is THE FIRST FINANCIAL FEDERAL CREDIT UNION's loan approval success rate?

THE FIRST FINANCIAL FEDERAL 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/the-first-financial-federal-credit-union

### How to Cite

> "THE FIRST FINANCIAL FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-first-financial-federal-credit-union

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