THE FIRST FINANCIAL FEDERAL CREDIT UNION
THE FIRST FINANCIAL FEDERAL CREDIT UNION received 457 applications in 2025 and made 324 mortgages, in 19 counties across 1 state. The median rate its borrowers got was 7.875% on a median loan of $105,000. Of 428 decisions, 71 were denials — 16.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930074FI0I2Q6G5S43 |
|---|---|
| Applications received | 457 |
| Mortgages made | 324 |
| Denied | 71 |
| Approved, not taken up | 33 |
| Withdrawn or incomplete | 29 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.15 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 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 222 | 7.813% | $105,000 | 17.2% |
| Other purposes | 101 | 7.875% | $105,000 | 15.5% |
Where THE FIRST FINANCIAL FEDERAL CREDIT UNION lends most
The 19 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 | 174 | 7.750% | 18.2% |
| San Bernardino County, CA | 74 | 7.750% | 17.0% |
| Riverside County, CA | 34 | 7.563% | 17.4% |
| Orange County, CA | 12 | 8.125% | 0.0% |
| Ventura County, CA | 10 | 8.250% | 8.3% |
| San Diego County, CA | 8 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 2 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 2 | Under 10 loans | 33.3% |
| Contra Costa County, CA | 1 | Under 10 loans | 0.0% |
| Imperial County, CA | 1 | Under 10 loans | 50.0% |
| Monterey County, CA | 1 | Under 10 loans | 50.0% |
| San Joaquin County, CA | 1 | Under 10 loans | 0.0% |
| San Mateo County, CA | 1 | Under 10 loans | 0.0% |
| Siskiyou County, CA | 1 | Under 10 loans | 0.0% |
| Sonoma County, CA | 1 | Under 10 loans | 0.0% |
| Stanislaus County, CA | 1 | Under 10 loans | 0.0% |
| Kern County, CA | 0 | Under 10 loans | 0.0% |
| Merced County, CA | 0 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 0 | Under 10 loans | 0.0% |
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When THE FIRST FINANCIAL FEDERAL CREDIT UNION’s figures are published for the next year, or restated.
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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.