Firefighters First Federal Credit Union Mortgage Rates, Fees & Info

Los Angeles, CA

LEI: 549300ZS1TR1B4LHX377

Tax ID: 95-0949175

5 stars - Updated: 2/19/24 - out of 5 stars, based on 39 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Firefighters First Federal Credit Union is a smaller credit union specializing in Cash Out Refi, Home Improvement, and Home Purchase loans. Firefighters First Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Riverside, Oxnard, Sacramento, and San Francisco among others. We have data for 119 markets. (Some data included below & more in-depth data is available with an active subscription.)

Firefighters First Federal Credit Union has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Firefighters First Federal Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.32% 2/19/24
30 Year Conventional Purchase 6.07% 2/19/24
30 Year Conventional Refi 6.17% 2/19/24
30 Year Cash-out Refi 6.11% 2/19/24
15 Year Conventional Purchase 7.15% 2/19/24
15 Year Conventional Refi 6.11% 2/19/24
15 Year Cash-out Refi 6.11% 2/19/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Firefighters First Federal Credit Union Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Firefighters First Federal Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,494

Origination Dollar Volume (All Markets)

$370,520,000
Show all (9) awards

Relative Rate

Firefighters First Federal Credit Union's average 30 year fixed mortgage rate was 3.52%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -1.24%.

Relative Fees (Closing Costs)

Firefighters First Federal Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $2,078.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 327 $101,675,000 $310,933 $1,906 4.48%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 248 $53,290,000 $214,879 $2,071 4.85%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 97 $26,145,000 $269,536 $2,157 4.61%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 136 $25,420,000 $186,912 $2,256 4.80%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 66 $21,660,000 $328,182 $2,449 4.70%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 91 $18,615,000 $204,560 $1,915 4.63%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 40 $10,960,000 $274,000 $1,785 4.48%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 45 $9,125,000 $202,778 $2,971 4.95%
Outside of Metro Areas 38 $8,840,000 $232,632 $2,727 4.90%
BAKERSFIELD, CA (FHA|USDA|VA) 35 $6,095,000 $174,143 $1,948 4.24%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 27 $5,715,000 $211,667 $2,182 4.31%
VALLEJO, CA (FHA|USDA|VA) 13 $5,465,000 $420,385 $2,638 4.56%
STOCKTON, CA (FHA|USDA|VA) 18 $4,120,000 $228,889 $726 4.08%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 15 $4,105,000 $273,667 $1,967 4.33%
RENO, NV (FHA|USDA|VA) 15 $3,695,000 $246,333 $1,291 4.04%
BOISE CITY, ID (FHA|USDA|VA) 8 $3,430,000 $428,750 $3,454 4.42%
MODESTO, CA (FHA|USDA|VA) 10 $2,610,000 $261,000 $1,067 4.79%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 11 $2,435,000 $221,364 $591 5.14%
Truckee-Grass Valley, CA (FHA|USDA|VA) 14 $2,360,000 $168,571 $3,356 4.86%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 5 $2,215,000 $443,000 $4,110 4.53%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $2,030,000 $1,015,000 $0 3.75%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 8 $1,870,000 $233,750 $2,962 4.41%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 7 $1,855,000 $265,000 $4,651 4.21%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 13 $1,855,000 $142,692 $2,129 4.84%
Outside of Metro Areas 6 $1,800,000 $300,000 $2,912 3.73%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 6 $1,790,000 $298,333 $3,464 4.92%
BEND, OR (FHA|USDA|VA) 5 $1,705,000 $341,000 $3,532 4.05%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 6 $1,630,000 $271,667 $0 4.77%
Show Low, AZ (FHA|USDA|VA) 6 $1,480,000 $246,667 $1,845 3.67%
CHICO, CA (FHA|USDA|VA) 9 $1,415,000 $157,222 $0 4.75%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 5 $1,235,000 $247,000 $4,132 5.05%
ALBUQUERQUE, NM (FHA|USDA|VA) 5 $1,125,000 $225,000 $1,884 3.93%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $1,120,000 $280,000 $4,871 4.44%
Bozeman, MT (FHA|USDA|VA) 2 $1,110,000 $555,000 $0 4.63%
FRESNO, CA (FHA|USDA|VA) 7 $1,075,000 $153,571 $2,965 5.07%
Clearlake, CA (FHA|USDA|VA) 2 $1,050,000 $525,000 $0 2.63%
VISALIA, CA (FHA|USDA|VA) 6 $980,000 $163,333 $2,941 4.42%
LUBBOCK, TX (FHA|USDA|VA) 5 $975,000 $195,000 $0 3.60%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $935,000 $311,667 $2,828 4.83%
SALINAS, CA (FHA|USDA|VA) 4 $790,000 $197,500 $2,108 5.53%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 4 $770,000 $192,500 $0 3.88%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $765,000 $255,000 $5,000 6.00%
Hilo, HI (FHA|USDA|VA) 1 $745,000 $745,000 $7,023 3.88%
COLUMBUS, OH (FHA|USDA|VA) 4 $690,000 $172,500 $0 4.84%
TUCSON, AZ (FHA|USDA|VA) 5 $675,000 $135,000 $3,167 5.60%
PROVO-OREM, UT (FHA|USDA|VA) 3 $665,000 $221,667 $0 6.25%
Morehead City, NC (FHA|USDA|VA) 1 $635,000 $635,000 $0 5.13%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $615,000 $615,000 $0 4.63%
YUBA CITY, CA (FHA|USDA|VA) 4 $610,000 $152,500 $0 3.69%
Gardnerville Ranchos, NV (FHA|USDA|VA) 2 $610,000 $305,000 $0 5.13%
ST. GEORGE, UT (FHA|USDA|VA) 4 $590,000 $147,500 $0 4.25%
BELLINGHAM, WA (FHA|USDA|VA) 2 $580,000 $290,000 $0 4.31%
MADERA, CA (FHA|USDA|VA) 2 $580,000 $290,000 $4,345 4.81%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $565,000 $565,000 $0 6.13%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $560,000 $280,000 $0 3.56%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $555,000 $555,000 $0 2.63%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $525,000 $175,000 $4,097 3.25%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $520,000 $260,000 $4,034 4.88%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $505,000 $505,000 $0 4.50%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $485,000 $485,000 $9,507 3.00%
Port Angeles, WA (FHA|USDA|VA) 2 $480,000 $240,000 $0 3.13%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $445,000 $445,000 $0 3.88%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $405,000 $135,000 $0 4.75%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $400,000 $200,000 $0 3.94%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $385,000 $385,000 $0 4.00%
Klamath Falls, OR (FHA|USDA|VA) 1 $355,000 $355,000 $3,930 3.88%
LAS CRUCES, NM (FHA|USDA|VA) 3 $355,000 $118,333 $3,608 5.25%
SANTA FE, NM (FHA|USDA|VA) 2 $350,000 $175,000 $0 3.75%
REDDING, CA (FHA|USDA|VA) 4 $340,000 $85,000 $0 4.06%
FOND DU LAC, WI (FHA|USDA|VA) 3 $335,000 $111,667 $0 4.63%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $335,000 $335,000 $0 5.00%
Centralia, WA (FHA|USDA|VA) 1 $325,000 $325,000 $2,916 4.88%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $315,000 $105,000 $0 5.17%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $315,000 $315,000 $0 5.88%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $310,000 $155,000 $2,108 4.94%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.50%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $305,000 $305,000 $4,566 3.88%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.38%
Crescent City, CA (FHA|USDA|VA) 1 $305,000 $305,000 $0 3.63%
Susanville, CA (FHA|USDA|VA) 1 $265,000 $265,000 $0 3.88%
Ukiah, CA (FHA|USDA|VA) 1 $265,000 $265,000 $0 4.00%
LOGAN, UT-ID (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.50%
Sonora, CA (FHA|USDA|VA) 2 $250,000 $125,000 $1,781 5.38%
Cedar City, UT (FHA|USDA|VA) 2 $250,000 $125,000 $2,006 6.44%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $245,000 $245,000 $0 2.50%
Branson, MO (FHA|USDA|VA) 2 $230,000 $115,000 $0 4.88%
Fernley, NV (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.25%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $215,000 $215,000 $0 2.88%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.75%
Kalispell, MT (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.75%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.13%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.50%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.13%
GRANTS PASS, OR (FHA|USDA|VA) 1 $165,000 $165,000 $0 2.75%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.25%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.25%
MERCED, CA (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.75%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.25%
WACO, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,979 3.88%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,426 2.38%
Payson, AZ (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.75%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.00%
EL PASO, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,341 2.50%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.38%
Sandpoint, ID (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.50%
NAPA, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.00%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $95,000 $95,000 $3,130 3.88%
CLEVELAND, TN (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.88%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $95,000 $95,000 $0 2.88%
MANSFIELD, OH (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.25%
GREELEY, CO (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.25%
Red Bluff, CA (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.25%
Macomb, IL (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.25%
YUMA, AZ (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.50%
Roswell, NM (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.75%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.50%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.50%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.13%
Firefighters First Federal Credit Union's top markets include Los Angeles, Riverside, Oxnard, Sacramento, and San Francisco among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 934 $150,180,000 $160,792 n/a 5.02%
    Conventional 560 $220,340,000 $393,464 $2,184 3.95%

    For 2022, Firefighters First Federal Credit Union's most frequently originated type of loan was HELOC, with 934 originations. Their 2nd most popular type was Conventional, with 560 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 767 $175,475,000 $228,781 $1,007 4.64%
    Home Improvement 481 $95,495,000 $198,534 $1,102 4.87%
    Home Purchase 193 $83,275,000 $431,477 $4,967 4.13%
    Refi 47 $15,185,000 $323,085 $1,557 3.49%
    Other 6 $1,090,000 $181,667 $1,774 6.38%

    For 2022, Firefighters First Federal Credit Union's most frequently cited loan purpose was Cash Out Refi, with 767 originations. The 2nd most popular reason was Home Improvement, with 481 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 1,077 $210,945,000 $195,864 $0 4.89%
    30 Year 309 $141,725,000 $458,657 $2,078 3.52%
    20 Year 66 $8,540,000 $129,394 $2,242 6.00%
    15 Year 37 $8,795,000 $237,703 $3,110 3.58%
    10 Year 5 $515,000 $103,000 $2,465 2.65%

    For 2022, Firefighters First Federal Credit Union's most frequently cited loan duration was Other, with 1,077 originations. The 2nd most popular length was 30 Year, with 309 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 381 $146,565,000 $384,685
    $1k-2k 11 $2,745,000 $249,545
    $2k-3k 7 $2,465,000 $352,143
    $3k-4k 7 $2,725,000 $389,286
    $5k+ 6 $3,350,000 $558,333
    $4k-5k 4 $1,510,000 $377,500

    Firefighters First Federal Credit Union's average total fees were $2,078, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 381 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 516 $135,650,000 $262,888
    4-5% 352 $90,860,000 $258,125
    5-6% 244 $44,160,000 $180,984
    6-7% 148 $22,620,000 $152,838
    2.5-3% 110 $49,160,000 $446,909
    7-8% 63 $7,975,000 $126,587
    <2.5% 48 $18,960,000 $395,000
    Over 8% 13 $1,135,000 $87,308

    During 2022, Firefighters First Federal Credit Union's average interest rate for loans was 3.52%, while their most frequently originated rate bucket for loans was 3-4%, with 516 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 462 $62,500,000 $135,281 $1,617 4.84%
    $200k-400k 417 $115,445,000 $276,847 $2,164 4.43%
    $100,000 or less 341 $21,215,000 $62,214 $1,915 5.22%
    $400k-600k 165 $77,465,000 $469,485 $2,463 3.94%
    $600k-1MM 87 $63,565,000 $730,632 $2,588 3.55%
    $1MM+ 22 $30,330,000 $1,378,636 $1,892 3.50%

    2022 saw Firefighters First Federal Credit Union place emphasis on $100k-200k loans with 462 originations, totaling $62,500,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 560 $139,970,000 $249,946 $2,136 4.70%
    $100k-150k 455 $86,005,000 $189,022 $2,064 4.78%
    $250k+ 195 $78,035,000 $400,179 $3,361 4.53%
    $75k-100k 137 $24,865,000 $181,496 $2,063 4.41%
    $50k-75k 76 $13,280,000 $174,737 $1,521 4.15%
    $50k or less 19 $2,795,000 $147,105 $1,791 3.83%

    Firefighters First Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 560 originations. The second most popular income band? $100k-150k, with 455 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 246 $54,050,000 $219,715 $2,322 4.68%
    20-30% 202 $45,840,000 $226,931 $2,138 4.35%
    42% 90 $24,350,000 $270,556 $1,948 4.87%
    50-60% 73 $17,325,000 $237,329 $913 4.38%
    41% 70 $14,830,000 $211,857 $2,909 4.96%
    49% 68 $13,890,000 $204,265 $2,444 5.21%
    <20% 61 $14,225,000 $233,197 $1,427 4.11%
    40% 58 $14,190,000 $244,655 $2,175 4.86%
    43% 58 $13,610,000 $234,655 $3,567 4.81%
    38% 55 $12,125,000 $220,455 $1,429 4.61%
    39% 52 $11,460,000 $220,385 $1,950 4.73%
    45% 49 $10,915,000 $222,755 $1,250 4.72%
    44% 48 $12,660,000 $263,750 $1,354 4.75%
    47% 45 $11,295,000 $251,000 $3,477 4.77%
    36% 45 $11,425,000 $253,889 $3,229 4.48%
    46% 43 $7,945,000 $184,767 $1,971 4.73%
    48% 42 $7,760,000 $184,762 $2,002 4.88%
    37% 35 $8,645,000 $247,000 $3,264 5.15%
    >60% 6 $1,480,000 $246,667 $3,643 4.54%

    Firefighters First Federal Credit Union lent most frequently to those with DTI ratios of 30-36%, with 246 originations. The next most common DTI ratio? 20-30%, with 202 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not provided 665 $171,305,000 $257,602 $2,216 4.64%
    White 674 $150,890,000 $223,872 $2,056 4.60%
    Not applicable 40 $19,750,000 $493,750 $7,140 4.16%
    Black 57 $15,065,000 $264,298 $2,234 4.89%
    American Indian 28 $6,670,000 $238,214 $5,575 4.62%
    Asian 10 $3,130,000 $313,000 $0 5.33%
    Other Asian 6 $1,430,000 $238,333 $2,522 4.42%
    Filipino 5 $1,145,000 $229,000 $2,694 4.10%
    Korean 1 $435,000 $435,000 $0 2.63%
    Native Hawaiian or Islander 3 $355,000 $118,333 $0 5.08%
    Japanese 2 $170,000 $85,000 $0 6.13%
    Chinese 2 $110,000 $55,000 $0 3.88%
    Samoan 1 $65,000 $65,000 $0 3.75%

    Approval Rates

    Total approvals of all applications
    96.53%

    Firefighters First Federal Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    81.39%

    Firefighters First Federal Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,494 $370,520,000 $248,005

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,494 $370,520,000 $248,005

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 365 $89,855,000 $246,178 $1,560 4.67%
    40-60% 145 $64,365,000 $443,897 $1,915 3.96%
    60-80% 233 $106,935,000 $458,948 $2,107 3.81%
    80-100% 69 $33,395,000 $483,986 $3,484 3.69%
    Over 100% 1 $445,000 $445,000 $0 3.88%
    Under 20% 681 $75,525,000 $110,903 $1,873 5.10%