What loan types does First Financial Credit Union offer?

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

Where does First Financial Credit Union offer mortgages?

First Financial Credit Union offers mortgages in 1 states: NM.

How competitive are First Financial Credit Union's mortgage rates?

First Financial Credit Union has an overall pricing score of 59.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Financial Credit Union?

First Financial Credit Union is a Credit Union headquartered in Albuquerque, NM.

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First Financial Credit Union

Credit Union•Albuquerque, NMHQ•Direct•Reviews near you on Google

First Financial Credit Union has 30 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

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Single State · 1 mkts

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

First Financial Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 3.2 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

By Loan Purpose· Transaction purpose mix

Purchase

Mediocre

Bottom 20% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 2 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	Sound	Sound	30	100.0%	-0.032%Below	$2,780Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume30

Mix100.0%

Spread

-0.032%Below

Fees

$2,780Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Mediocre	—	—	15	50.0%	+0.142%Above	$3,394Fees
Refinance	Sound	Acceptable	—	Sound	15	50.0%	-0.206%Below	$2,166Fees

Purchase

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through—

Volume15

Mix50.0%

Spread

+0.142%Above

Fees

$3,394Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume15

Mix50.0%

Spread

-0.206%Below

Fees

$2,166Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$6 million

Pricing & Closing

Avg Rate Spread

-0.032%

vs. market APOR

Avg Net Fees

$2,780

Origination − Credits

Pullthrough Rate

69.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$212,667

Avg Borrower Income

$92,267

Avg Property Value

$317,667

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

West1

Top Metro Areas by Place Specialization Score

Albuquerque, NMMetro

Volume 17Mix 56.67% of portfolio

57/100

Sound

Top States by Place Specialization Score

New MexicoState

Volume 30Mix 100.00% of portfolio

63/100

Strong

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.