Lender profile
The First Financial
Lender Live rate observations
The First Financial at a glance
The First Financial is a lender based in California. LoanMate.ai tracks 4 published loan products from The First Financial (4 rate listings), last verified 2026-10-17. Its lowest published rate today is 6% on 5/5 ARM. Its 30-year fixed rate of 7.875% is 0.875 points above the national median of 7% (across 233 lenders publishing that product). The First Financial lends in California only.
Purchase mortgage (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 5/5ARM | 6.000 | 6.973 | 0 | — | 2026-10-17 | Lender source ↗ |
| 30FP | 7.875 | 7.960 | 0 | — | 2026-10-17 | Lender source ↗ |
Home equity loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-15yr | — | 7.000 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-20yr | — | 7.500 | — | — | 2026-10-17 | Lender source ↗ |
How The First Financial compares
Compare all purchase mortgage rates · Compare all home equity loan rates · Best loan rates in California
Compare with: 1St Northern California, 1St United, Aerospace, Altura
Common questions
What is the lowest published rate at The First Financial?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from The First Financial is 6% on its 5/5 ARM. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does The First Financial lend?
The First Financial lends in California only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does The First Financial's 30-year fixed rate compare nationally?
The First Financial publishes 30-year fixed at 7.875%. The national median for that product is 7% across 233 lenders in LoanMate.ai's October 17, 2026 dataset, so The First Financial is 0.875 points above the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.