Firefighters First Federal Credit Union in California vs the state
9.6%Denial rate-7.78 pts vs state
12.2%Decision denial rate-10.17 pts vs state
69.1%Origination rate+12.91 pts vs state
8.00%Median rate+1.38 pts vs state
0.72Rate spread (pts)+0.45 pts vs state
$191kMedian applicant income
774Loans originated
108Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 960 | 637 | 12.1% | 8.50% | #137 |
| 2024 | 927 | 632 | 11.9% | 8.75% | #164 |
| 2025 | 1,120 | 774 | 9.6% | 8.00% | #158 |
What Firefighters First Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Firefighters First Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 212 | 146 | 18 | 8.5% |
| Riverside County | 155 | 109 | 17 | 11.0% |
| Ventura County | 115 | 87 | 5 | 4.3% |
| San Bernardino County | 102 | 64 | 12 | 11.8% |
| Orange County | 97 | 69 | 13 | 13.4% |
| Sacramento County | 47 | 32 | 3 | 6.4% |
| Placer County | 47 | 39 | 1 | 2.1% |
| San Diego County | 43 | 21 | 3 | 7.0% |
| Contra Costa County | 36 | 28 | 3 | 8.3% |
| Kern County | 36 | 28 | 1 | 2.8% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 1,120 applications in 2025, of which 774 were originated and 108 denied.
9.6% of all applications, or 12.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Firefighters First Federal Credit Union originated in California in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Firefighters First Federal Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology