Firefighters First Federal Credit Union mortgage approval rate & lending review
Firefighters First Federal Credit Union decided 3,193 mortgage applications and funded 2,772 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Firefighters First Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Firefighters First Federal Credit Union at a glance
Approval is 17.9 points above the 69.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 273 / 284 | 100% | $525K | 272 |
| Home improvement loans | 91% | 1,025 / 1,127 | 100% | $125K | 1,022 |
| Cash-out refinance | 84% | 1,192 / 1,421 | 100% | $115K | 1,188 |
| Refinance | 65% | 70 / 108 | 99% | $465K | 69 |
| Investment property purchase | 92% | 125 / 136 | 98% | $295K | 123 |
| Investment cash-out refinance | 85% | 81 / 95 | 100% | $215K | 81 |
Firefighters First Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 87% | $155K | 2,271 | 1,976 |
| Arizona | 86% | $115K | 398 | 341 |
| Nevada | 91% | $95K | 110 | 99 |
| Texas | 84% | $105K | 94 | 78 |
| Idaho | 92% | $205K | 61 | 56 |
| Washington | 87% | $155K | 55 | 48 |
| Tennessee | 87% | $155K | 31 | 27 |
| Florida | 88% | $115K | 25 | 22 |
| Colorado | 91% | $85K | 23 | 21 |
| Oregon | 78% | $155K | 23 | 18 |
| Utah | 87% | $175K | 23 | 20 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Firefighters First Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Cash-out refinance | 81% | 248 | 202 |
| Los Angeles County, CA | Home improvement loans | 89% | 166 | 148 |
| Riverside County, CA | Cash-out refinance | 80% | 148 | 118 |
| Riverside County, CA | Home improvement loans | 89% | 125 | 111 |
| Maricopa County, AZ | Cash-out refinance | 84% | 121 | 101 |
| Ventura County, CA | Home improvement loans | 92% | 106 | 96 |
| Ventura County, CA | Cash-out refinance | 90% | 105 | 94 |
| San Bernardino County, CA | Cash-out refinance | 82% | 104 | 84 |
| San Bernardino County, CA | Home improvement loans | 92% | 89 | 81 |
| Maricopa County, AZ | Home improvement loans | 93% | 82 | 76 |
| Orange County, CA | Home improvement loans | 92% | 75 | 69 |
| Orange County, CA | Cash-out refinance | 82% | 82 | 66 |
The county markets where Firefighters First Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Firefighters First Federal Credit Union
What is Firefighters First Federal Credit Union's mortgage approval rate?
Firefighters First Federal Credit Union approved 87.2% of the 3,193 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.9 points above the 69.3% national rate for the same mix of loan types.
How often do borrowers take the loan Firefighters First Federal Credit Union offers?
Borrowers accepted 100% of the loans Firefighters First Federal Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Firefighters First Federal Credit Union make?
The typical cash-out refinance loan Firefighters First Federal Credit Union made was $115K; across all loan types its typical loan ran from $115K to $525K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Firefighters First Federal Credit Union lend?
Firefighters First Federal Credit Union decided applications in 26 of the states Fat Boy Data covers, most of them in California, Arizona and Nevada.
Can I apply to Firefighters First Federal Credit Union directly?
Yes. Firefighters First Federal Credit Union is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Firefighters First Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Firefighters First Federal Credit Union treats applications, then get a rate quote from the lender.