What loan types does First City offer?

First City offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does First City offer mortgages?

First City offers mortgages in 1 states: CA.

What type of lender is First City?

First City is a Credit Union headquartered in Altadena, CA.

Unclaimed

First City

Credit Union•Altadena, CAHQ•Direct & Wholesale•Reviews near you on Google

First City has 10 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

Pull-through

Acceptable

2/5

closing strength

Product

Mediocre

1/5

Conventional

Place

Active

Single State

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

First City performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

No peer data

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Mediocre

Bottom 20% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 1 states

No peer data

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Mediocre	Mediocre	—	Mediocre	10	100.0%	+0.118%Above	$3,209Fees

Conventional

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through

Mediocre

Volume10

Mix100.0%

Spread

+0.118%Above

Fees

$3,209Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$4 million

Pricing & Closing

Pullthrough Rate

50.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$412,000

Avg Borrower Income

$123,200

Avg Property Value

$915,000

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

N/A

States with Loan Originations

West1

Top States by Place Specialization Score

CaliforniaState

Volume 10Mix 100.00% of portfolio

48/100

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.