Firefighters First Federal Credit Union
Firefighters First Federal Credit Union received 1,675 applications in 2025 and made 1,143 mortgages, in 196 counties across 25 states. The median rate its borrowers got was 8.000% on a median loan of $195,000. Of 1,322 decisions, 174 were denials — 13.2%, most often for debt-to-income ratio. 19 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300ZS1TR1B4LHX377 |
|---|---|
| Applications received | 1,675 |
| Mortgages made | 1,143 |
| Denied | 174 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 353 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.72 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 175 | 6.000% | $455,000 | 10.1% |
| Refinancing | 59 | 6.000% | $475,000 | 29.8% |
| Cash-out refinancing | 468 | 8.000% | $155,000 | 15.7% |
| Other purposes | 441 | 8.000% | $145,000 | 8.7% |
Where Firefighters First Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 146 | 8.000% | 11.0% |
| Riverside County, CA | 109 | 8.000% | 13.5% |
| Ventura County, CA | 87 | 8.000% | 5.4% |
| Maricopa County, AZ | 69 | 8.000% | 14.8% |
| Orange County, CA | 69 | 8.000% | 15.9% |
| San Bernardino County, CA | 64 | 8.000% | 15.6% |
| Placer County, CA | 39 | 8.000% | 2.5% |
| Sacramento County, CA | 32 | 7.750% | 8.6% |
| Contra Costa County, CA | 28 | 7.750% | 9.7% |
| Kern County, CA | 28 | 8.000% | 3.5% |
| Clark County, NV | 22 | 8.000% | 4.2% |
| San Diego County, CA | 21 | 8.000% | 12.5% |
| El Dorado County, CA | 20 | 7.500% | 13.0% |
| Mohave County, AZ | 14 | 7.063% | 26.3% |
| San Joaquin County, CA | 14 | 8.000% | 0.0% |
| Nevada County, CA | 13 | 8.000% | 0.0% |
| Ada County, ID | 12 | 7.625% | 7.7% |
| San Luis Obispo County, CA | 11 | 7.750% | 15.4% |
| Stanislaus County, CA | 11 | 7.750% | 15.4% |
| Kootenai County, ID | 11 | 7.500% | 15.4% |
| Pima County, AZ | 9 | Under 10 loans | 10.0% |
| Pinal County, AZ | 9 | Under 10 loans | 10.0% |
| Yavapai County, AZ | 9 | Under 10 loans | 10.0% |
| Alameda County, CA | 9 | Under 10 loans | 18.2% |
| Butte County, CA | 9 | Under 10 loans | 10.0% |
| Washoe County, NV | 9 | Under 10 loans | 18.2% |
| Solano County, CA | 8 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 8 | Under 10 loans | 11.1% |
| Pierce County, WA | 7 | Under 10 loans | 12.5% |
| Navajo County, AZ | 6 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 6 | Under 10 loans | 25.0% |
| Collin County, TX | 6 | Under 10 loans | 14.3% |
| Dallas County, TX | 6 | Under 10 loans | 0.0% |
| Snohomish County, WA | 6 | Under 10 loans | 25.0% |
| Fresno County, CA | 5 | Under 10 loans | 16.7% |
| Yolo County, CA | 5 | Under 10 loans | 16.7% |
| Canyon County, ID | 5 | Under 10 loans | 0.0% |
| Denton County, TX | 5 | Under 10 loans | 0.0% |
| King County, WA | 5 | Under 10 loans | 0.0% |
| Monterey County, CA | 4 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 4 | Under 10 loans | 0.0% |
| Kaufman County, TX | 4 | Under 10 loans | 0.0% |
| Tarrant County, TX | 4 | Under 10 loans | 0.0% |
| Amador County, CA | 3 | Under 10 loans | 0.0% |
| Madera County, CA | 3 | Under 10 loans | 0.0% |
| Shasta County, CA | 3 | Under 10 loans | 25.0% |
| Sonoma County, CA | 3 | Under 10 loans | 0.0% |
| Douglas County, CO | 3 | Under 10 loans | 0.0% |
| Broward County, FL | 3 | Under 10 loans | 25.0% |
| Honolulu County, HI | 3 | Under 10 loans | 25.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.