Firefighters First Federal Credit Union Mortgage Rates, Fees & Info
Los Angeles, CALEI: 549300ZS1TR1B4LHX377
Tax ID: 95-0949175
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Mortgage Data
Review & Overview
Firefighters First Federal Credit Union is a smaller credit union specializing in Cash Out Refi and Refi 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 80 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.32% | 4/21/24 |
| 30 Year Conventional Purchase | 6.07% | 4/21/24 |
| 30 Year Conventional Refi | 6.17% | 4/21/24 |
| 30 Year Cash-out Refi | 6.11% | 4/21/24 |
| 15 Year Conventional Purchase | 7.15% | 4/21/24 |
| 15 Year Conventional Refi | 6.11% | 4/21/24 |
| 15 Year Cash-out Refi | 6.11% | 4/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,024Origination Dollar Volume (All Markets)
$392,120,000Awards
Firefighters First Federal Credit Union - 2020
Firefighters First Federal Credit Union is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 269 | $126,805,000 | $471,394 | $2,422 | 3.18% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 185 | $66,035,000 | $356,946 | $2,580 | 3.33% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 71 | $33,105,000 | $466,268 | $2,530 | 3.13% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 78 | $31,610,000 | $405,256 | $2,669 | 3.20% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 32 | $18,000,000 | $562,500 | $2,254 | 3.17% |
| Outside of Metro Areas | 52 | $13,290,000 | $255,577 | $2,662 | 3.23% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 43 | $11,155,000 | $259,419 | $2,100 | 3.19% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 35 | $8,275,000 | $236,429 | $2,484 | 3.18% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 27 | $7,245,000 | $268,333 | $2,636 | 3.08% |
| BOISE CITY, ID (FHA|USDA|VA) | 19 | $5,695,000 | $299,737 | $3,689 | 3.22% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 12 | $5,560,000 | $463,333 | $2,390 | 3.22% |
| STOCKTON, CA (FHA|USDA|VA) | 14 | $5,390,000 | $385,000 | $1,874 | 3.10% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 17 | $5,005,000 | $294,412 | $3,225 | 3.13% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 11 | $4,485,000 | $407,727 | $2,430 | 2.95% |
| MODESTO, CA (FHA|USDA|VA) | 9 | $3,175,000 | $352,778 | $2,007 | 3.24% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $2,630,000 | $438,333 | $2,916 | 3.04% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 10 | $2,620,000 | $262,000 | $2,449 | 3.04% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 6 | $2,530,000 | $421,667 | $2,848 | 2.90% |
| CHICO, CA (FHA|USDA|VA) | 5 | $2,075,000 | $415,000 | $2,840 | 3.10% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 7 | $2,015,000 | $287,857 | $1,725 | 2.96% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 4 | $1,810,000 | $452,500 | $1,990 | 2.81% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 3 | $1,745,000 | $581,667 | $2,126 | 2.83% |
| Outside of Metro Areas | 4 | $1,500,000 | $375,000 | $3,282 | 3.28% |
| BEND, OR (FHA|USDA|VA) | 3 | $1,365,000 | $455,000 | $3,536 | 2.92% |
| RENO, NV (FHA|USDA|VA) | 3 | $1,305,000 | $435,000 | $2,971 | 3.04% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $3,010 | 3.31% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $2,369 | 3.06% |
| Oak Harbor, WA (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $2,887 | 2.67% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $1,090,000 | $545,000 | $5,803 | 2.88% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $3,469 | 3.69% |
| CARSON CITY, NV (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $2,832 | 3.46% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $1,450 | 3.00% |
| Sonora, CA (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $2,673 | 3.76% |
| Hilo, HI (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $0 | 3.06% |
| MERCED, CA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $1,737 | 3.08% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $3,310 | 3.54% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $3,513 | 3.08% |
| YUBA CITY, CA (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $2,853 | 3.25% |
| Fernley, NV (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $3,235 | 3.44% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $1,122 | 3.13% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 6 | $670,000 | $111,667 | $1,560 | 3.52% |
| Show Low, AZ (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,902 | 3.54% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $3,555 | 3.25% |
| TWIN FALLS, ID (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,271 | 3.13% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $2,348 | 3.29% |
| Port Angeles, WA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,895 | 3.13% |
| Hailey, ID (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $4,902 | 2.88% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $1,938 | 3.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $2,798 | 3.38% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,255 | 2.63% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,122 | 3.00% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,955 | 3.38% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,629 | 4.38% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,831 | 2.88% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,523 | 3.88% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,358 | 2.69% |
| Payson, AZ (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,905 | 3.56% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,213 | 3.50% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,399 | 3.13% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,990 | 3.38% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,488 | 2.75% |
| NAPA, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,668 | 3.50% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,879 | 3.13% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,687 | 3.38% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,523 | 2.63% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,488 | 3.31% |
| REDDING, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,593 | 3.63% |
| MADERA, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,711 | 3.75% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,200 | 3.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 3.00% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 3.63% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 3.50% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,617 | 2.75% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 3.25% |
| Vernal, UT (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 3.25% |
| TYLER, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 3.75% |
| Montrose, CO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,342 | 2.63% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.40% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 3.13% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,740 | 3.13% |
Similar Lenders
We use machine learning to identify the top lenders compared against Firefighters First Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,023 | $391,755,000 | $382,947 | $2,557 | 3.20% |
| Reverse Mortgage | 1 | $365,000 | $365,000 | $0 | 5.50% |
For 2020, Firefighters First Federal Credit Union's most frequently originated type of loan was Conventional, with 1,023 originations. Their 2nd most popular type was Reverse Mortgage, with 1 originations.
Loan Reason
For 2020, Firefighters First Federal Credit Union's most frequently cited loan purpose was Cash Out Refi, with 553 originations. The 2nd most popular reason was Refi, with 347 originations.
Loan Duration/Length
For 2020, Firefighters First Federal Credit Union's most frequently cited loan duration was 30 Year, with 606 originations. The 2nd most popular length was 15 Year, with 175 originations.
Origination Fees/Closing Costs
Firefighters First Federal Credit Union's average total fees were $2,566, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 801 originations.
Interest Rates
During 2020, Firefighters First Federal Credit Union's average interest rate for loans was 3.19%, while their most frequently originated rate bucket for loans was 3-4%, with 501 originations.
Loan Sizing
2020 saw Firefighters First Federal Credit Union place emphasis on $200k-400k loans with 459 originations, totaling $134,395,000 in origination value.
Applicant Income
Firefighters First Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 352 originations. The second most popular income band? $150k-250k, with 317 originations.
Applicant Debt to Income Ratio
Firefighters First Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 225 originations. The next most common DTI ratio? 30-36%, with 170 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.64%
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 origination89.75%
Firefighters First Federal Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,024 | $392,120,000 | $382,930 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Fairfax Lending Inc. | Conventional home mortgage | Closing on a mortgage | 1 | 100.0% |