The First Financial Federal Credit Union in California vs the state
15.5%Denial rate-1.88 pts vs state
16.6%Decision denial rate-5.81 pts vs state
70.9%Origination rate+14.70 pts vs state
7.88%Median rate+1.25 pts vs state
1.15Rate spread (pts)+0.88 pts vs state
$118kMedian applicant income
324Loans originated
71Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 139 | 91 | 21.6% | 7.75% | #379 |
| 2024 | 392 | 260 | 24.7% | 8.75% | #272 |
| 2025 | 457 | 324 | 15.5% | 7.88% | #271 |
What The First Financial Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most The First Financial Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 249 | 174 | 43 | 17.3% |
| San Bernardino County | 104 | 74 | 16 | 15.4% |
| Riverside County | 49 | 34 | 8 | 16.3% |
| Orange County | 15 | 12 | 0 | 0.0% |
| Ventura County | 12 | 10 | 1 | 8.3% |
| San Diego County | 9 | 8 | 0 | 0.0% |
| Santa Barbara County | 3 | 2 | 1 | 33.3% |
| San Luis Obispo County | 2 | 2 | 0 | 0.0% |
| San Mateo County | 2 | 1 | 0 | 0.0% |
| Monterey County | 2 | 1 | 1 | 50.0% |
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: 457 applications in 2025, of which 324 were originated and 71 denied.
15.5% of all applications, or 16.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans The First Financial Federal Credit Union originated in California in 2025 was 7.88%, against a statewide median of 6.63%.
About this data. Figures are The First Financial 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