Firefighters Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
73rd4.9% deniedPricingmedian rate spread over APOR, weight 30%
50th0.28 ptsProcesswithdrawn + incomplete share, weight 15%
35th15.2%Closing coststotal loan costs ÷ loan amount, weight 10%
82nd1.07% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 102 | 77 | 3.9% | 4.9% | 8.25% | $8.4M |
| 2024 | 101 | 68 | 8.9% | 11.7% | 8.06% | $13M |
| 2025 | 145 | 117 | 4.1% | 4.9% | 7.00% | $29M |
What Firefighters Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 39 investment properties.
Why Firefighters Credit Union denies applications
Primary reason reported for each of the 6 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Firefighters Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 33 | 24 | 4.0% |
| $100k – $150k | 34 | 27 | 6.9% |
| $150k – $250k | 31 | 27 | 3.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 28 | 21 | 8.7% |
| 35–44 | 29 | 21 | 8.7% |
| 45–54 | 26 | 19 | 5.0% |
Where Firefighters Credit Union lends
2 states and 12 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Firefighters Credit Union denied 4.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 73rd percentile of small mortgage lenders.
The most common reason Firefighters Credit Union gave in 2025 was "debt-to-income ratio", cited on 50.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Firefighters Credit Union originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was 0.28 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 48% of its applications were for home purchases, 52% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.