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FirstLight Federal Credit Union

Credit Union•El Paso, TXHQ•Direct•Reviews near you on Google

FirstLight Federal Credit Union has 188 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
Regional · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

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Report Card

FirstLight Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+34.3 bps above market avg
5/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
174 loans · 0.40% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
72 loans · 0.03% below market
Sound
Top 60% of lenders
3/5
Refinance
116 loans · 0.56% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume174
Mix92.6%
Spread
+0.398%Above
Fees
$395Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Exceptional
Pull Through
Acceptable
Volume72
Mix38.3%
Spread
-0.026%Below
Fees
$611Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume116
Mix61.7%
Spread
+0.562%Above
Fees
$321Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
188
Applications
1,035
Volume
$30 million
Pricing & Closing
Avg Rate Spread
+0.343%
vs. market APOR
Avg Net Fees
$429
Origination − Credits
Pullthrough Rate
18.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$160,479
Avg Borrower Income
$124,840
Avg Property Value
$268,883

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2Full-year 2024 · HMDA
2 states with loan originations
Loans originated
< 5050+None
South1
TX
West1
NM

Top Metro Areas by Place Specialization Score

1© Thomas Vogt · CC BY 4.0
El Paso, TXMetro
Volume 131Mix 69.68% of portfolio
83/100
Exceptional
2© David Herrera · CC BY 2.0
Las Cruces, NMMetro
Volume 52Mix 27.66% of portfolio
73/100
Strong

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 135Mix 71.81% of portfolio
66/100
Strong
New Mexico
New Mexico
2
New MexicoState
Volume 53Mix 28.19% of portfolio
66/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.