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 score and performance metrics.

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 an overall pricing score of 34/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is The First Financial Federal Credit Union?

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

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The First Financial Federal Credit Union

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

The First Financial Federal Credit Union has 95 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

Acceptable

2/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Single State · 2 mkts

Summary

Things to Think About

Rates typically 152 basis points above market average
Pull through efficiency is below industry average

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Report Card

The First Financial Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+151.9 bps above 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

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Acceptable	Sound	95	100.0%	+1.519%Above	$49Credit

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Sound

Volume95

Mix100.0%

Spread

+1.519%Above

Fees

$49Credit

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Refinance	Sound	Sound	Acceptable	Sound	93	97.9%	+1.595%Above	$2Credit

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume93

Mix97.9%

Spread

+1.595%Above

Fees

$2Credit

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

152

Volume

$8 million

Pricing & Closing

Avg Rate Spread

+1.519%

vs. market APOR

Avg Net Fees

$-49

Origination − Credits

Pullthrough Rate

62.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$88,789

Avg Borrower Income

$126,779

Avg Property Value

$846,579

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

West1

Top Metro Areas by Place Specialization Score

Los Angeles, CAMetro

Volume 46Mix 48.42% of portfolio

64/100

Strong

Riverside, CAMetro

Volume 38Mix 40.00% of portfolio

61/100

Strong

Top States by Place Specialization Score

CaliforniaState

Volume 95Mix 100.00% of portfolio

64/100

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.