What loan types does Firefighters First Federal Credit Union offer?

Firefighters First Federal Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Firefighters First Federal Credit Union offer mortgages?

Firefighters First Federal Credit Union offers mortgages in 11 states: AZ, CA, CO, ID, MT, NV, OR, TN, TX, UT, WA.

How competitive are Firefighters First Federal Credit Union's mortgage rates?

Firefighters First Federal Credit Union has an overall pricing score of 83.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Firefighters First Federal Credit Union?

Firefighters First Federal Credit Union is a Credit Union headquartered in Pasadena, CA.

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Firefighters First Federal Credit Union

Credit Union•Pasadena, CAHQ•Direct•Reviews near you on Google

Firefighters First Federal Credit Union has 162 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Sound

3/5

Multi-Region · 3 mkts

Summary

What They Do Well

Offers rates 45.20 basis points below market average
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Firefighters First Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 45.2 bps below market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

Jumbo

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 4 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Exceptional	Acceptable	147	90.7%	-0.434%Below	$870Fees
Jumbo Loans	Strong	Strong	—	Strong	15	9.3%	-0.627%Below	$419Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Acceptable

Volume147

Mix90.7%

Spread

-0.434%Below

Fees

$870Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume15

Mix9.3%

Spread

-0.627%Below

Fees

$419Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Acceptable	102	63.0%	-0.367%Below	$1,209Fees
Refinance	Sound	Sound	Exceptional	Acceptable	60	37.0%	-0.596%Below	$175Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume102

Mix63.0%

Spread

-0.367%Below

Fees

$1,209Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Acceptable

Volume60

Mix37.0%

Spread

-0.596%Below

Fees

$175Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

162

Applications

284

Volume

$80 million

Pricing & Closing

Avg Rate Spread

-0.452%

vs. market APOR

Avg Net Fees

$828

Origination − Credits

Pullthrough Rate

57.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$499,136

Avg Borrower Income

$191,883

Avg Property Value

$794,259

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

South2

TNTX

West9

AZCACOIDMTNVORUTWA

Top Metro Areas by Place Specialization Score

Riverside, CAMetro

Volume 21Mix 12.96% of portfolio

52/100

Sound

Los Angeles, CAMetro

Volume 17Mix 10.49% of portfolio

49/100

Sound

Sacramento, CAMetro

Volume 14Mix 8.64% of portfolio

48/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 95Mix 58.64% of portfolio

62/100

Strong

ArizonaState

Volume 19Mix 11.73% of portfolio

49/100

Sound

NevadaState

Volume 12Mix 7.41% of portfolio

46/100

Sound

TexasState

Volume 13Mix 8.02% of portfolio

40/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.