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, NM|Single State

Loans Originated

Applications

Volume

$6 million

Offers loans directly to consumers

Overall Pricing

Sound

Overall Pull Through

Acceptable

Pricing and Pullthrough Overview

Average Rate Spread

-0.032%

The average of the lender's APR minus the market's average APR (APOR)

Average Net Fees

$2,780

Borrower paid Origination Charges - Lender Credits

Pullthrough Rate

69.8%

Percentage of applications that result in closed loans

Safe Rate's Summary

Things to Think About

Pull through efficiency is below industry average

Report Card

First Financial Credit Union performance at a glance

Category	Grade	Details
Pricing Rate competitiveness	Sound	Industry Standard
Pull Through Closing Strength	Acceptable	Near industry average
Products Loan Type Specialists		Specialization score by loan product
Conventional	Acceptable	Near industry average
Purpose Reason specialization		Specialization score by loan purpose
Purchase	Mediocre	Below peers
Refinance	Acceptable	Near industry average
Places Geographic coverage	Sound	Single State · 2 metro areas · 1 states

Rating Scale:

Exceptional (80-100)

Strong (60-79)

Sound (40-59)

Acceptable (20-39)

Mediocre (0-19)

Typical Borrower Profile

Average Loan Amount

$212,667

Average Borrower Income

$92,267

Average Property Value

$317,667

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%	$2,780

Performance by Loan Purpose

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

Geographic Coverage

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

Top Metro Areas by Place Specialization Score

Albuquerque, NM, NMMSA

Volume: 17Mix: 56.67%

Place Specialization

Sound

Top States by Place Specialization Score

NMState

Volume: 30Mix: 100.00%

Place Specialization

Strong

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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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