The First Financial Federal 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 C 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%
27th16.6% deniedPricingmedian rate spread over APOR, weight 30%
9th1.15 ptsProcesswithdrawn + incomplete share, weight 15%
74th6.3%Closing coststotal loan costs ÷ loan amount, weight 10%
96th0.41% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 139 | 91 | 21.6% | 22.4% | 7.75% | $8.3M |
| 2024 | 392 | 260 | 24.7% | 25.3% | 8.75% | $25M |
| 2025 | 457 | 324 | 15.5% | 16.6% | 7.88% | $35M |
What The First Financial Federal 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: 4 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 0 investment properties.
Why The First Financial Federal Credit Union denies applications
Primary reason reported for each of the 71 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at The First Financial Federal 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 | 146 | 99 | 19.9% |
| $100k – $150k | 152 | 112 | 12.1% |
| $150k – $250k | 97 | 78 | 10.6% |
| Over $250k | 39 | 24 | 20.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 57 | 36 | 24.5% |
| 45–54 | 121 | 87 | 17.1% |
| 55–64 | 120 | 87 | 12.6% |
| 65–74 | 80 | 62 | 13.0% |
| Over 74 | 63 | 45 | 14.8% |
Where The First Financial Federal Credit Union lends
1 states and 19 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 457 | 324 | 15.5% | 7.88% | #271 |
Frequently asked questions
The First Financial Federal Credit Union denied 16.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 27th percentile of small mortgage lenders.
The most common reason The First Financial Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 70.4% 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 The First Financial Federal Credit Union originated in 2025 was 7.88%, and its median rate spread over the average prime offer rate was 1.15 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 1% of its applications were for home purchases, 69% for refinancing (including cash-out), and 30% 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.