Applications / Mortgage Analytics / Lenders / California / Firefighters First Federal Credit Union
Pasadena, CA · Credit union · NCUA · $2.4 billion assets · 1,143 loans in 2025
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1,143
loans originated, 2025
1,675
applications, 2025
25
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Firefighters First Federal Credit Union is a California credit union lending in 25 states, mostly refinance and home-improvement loans, and its originations rose 26% to 1,143, faster than most similar lenders.
Originations rose 26% from 909, against 9% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. Dollar volume rose to $307.3 million from $212.0 million. Its typical loan was $195,000, against $105,000, higher than about nine in ten peers.
Refinances were 46.1% of its originations, home improvement 38.6% and purchases 15.3%; every loan was conventional. Its typical rate, 8.00%, was higher than more than nine in ten peers' (7.00%), which its large share of home-improvement loans may help explain; its higher-priced share (a rate well above the average for similar loans) was 0.6%, against 1.5%.
LMI (low- and moderate-income) borrowers took 5.3% of its loans, against 27.4% at similar lenders, among the lowest of its peers. Possible reasons are its mix, since refinance and home-improvement loans go to existing owners, and its larger loans. Majority-minority areas took 32.6%, against 10.1%, which may reflect its largest markets, Los Angeles and Riverside-San Bernardino.
Its share in Oxnard-Thousand Oaks-Ventura rose 0.2 points to 0.4%, ranking 62 of 422. It ranked 207 of 757 in Los Angeles-Long Beach-Anaheim and first lent in Savannah, Sheboygan and Orlando-Kissimmee-Sanford in 2025.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Firefighters First Federal Credit Union took 1,675 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 46.1% · Home improvement 38.6% · Purchase 15.3%
Conventional 100.0% · of 1,143 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 774 | 67.7% |
| Arizona | 120 | 10.5% |
| Texas | 45 | 3.9% |
| Nevada | 40 | 3.5% |
| Idaho | 34 | 3.0% |
| Washington | 27 | 2.4% |
| Tennessee | 20 | 1.7% |
| Florida | 19 | 1.7% |
| Colorado | 14 | 1.2% |
| New Mexico | 9 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Riverside-San Bernardino-Ontario | 173 |
| Los Angeles-Long Beach-Glendale | 146 |
| Sacramento-Roseville-Folsom | 96 |
| Oxnard-Thousand Oaks-Ventura | 87 |
| Phoenix-Mesa-Chandler | 78 |
| Anaheim-Santa Ana-Irvine | 69 |
| Oakland-Fremont-Berkeley | 37 |
| Bakersfield-Delano | 28 |
| Las Vegas-Henderson-North Las Vegas | 22 |
| Dallas-Plano-Irving | 21 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZS1TR1B4LHX377 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 475895 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 595053 | 1993–2016 |
| Respondent ID (the HMDA filer code before 2018) | 524877 | 2017–2017 |
Established 1 January 1935. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Firefighters First Federal Credit Union's data.
Firefighters First Federal Credit Union's data
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Firefighters First Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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