1st Financial inc. NMLS #185076
Who is 1st Financial inc.?
1st Financial inc. (NMLS #185076) is a lender or broker listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or broker1st Financial inc.
- NMLS #185076
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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Reported application outcomes and pricing, 2025
- 2025 home loan decisionsOf 299 applications decided by 1ST FINANCIAL, INC. in 2025, 248 were originated, 22 were approved but not accepted by the borrower, and 29 were denied.
- Median rate spread0.863 (reported on 247 originations, 1 reported no spread at all -- a median of what was reported, not of everything originated)
That is an approval rate of 90.3%. Withdrawn, incomplete and purchased loans are not counted here and are not part of that rate.
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Evidence read 2026-10-10T21:10:11+00:00
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for 1ST FINANCIAL, INC. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
About 1st Financial inc.
Overview
1st Financial, Inc is a mortgage banking firm serving consumers and industry partners. The company was founded in 2002 and works with borrowers on home purchase and refinance loans.
Mortgage options
1st Financial, Inc offers home purchase and refinance loans. Its mortgage options include VA loans.
How it works
Borrowers can use an online application process and mortgage tools for purchase, refinance, and rent-versus-own scenarios.
Locations
1st Financial, Inc has 21 branches in Florida and Maryland.
Company details and licensing
1st Financial, Inc is a corporation formed in Maryland on June 24, 2002. The company is headquartered at 401 Headquarters Drive, Suite 205, Millersville, Maryland 21108.
Supported trade names include 1st Financial Lending, Inc. and FFI Loans, Inc. The company’s NMLS ID is 185076. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #185076 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Frequently Asked Questions
What is 1st Financial inc.'s NMLS number?
1st Financial inc.'s NMLS number is 185076. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified 1st Financial inc.'s NMLS ID?
Yes. We checked 1st Financial inc.'s company name and NMLS ID against the NMLS record on October 15, 2025. They've been in our lender network since July 2015. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about 1st Financial inc.?
This page has 1st Financial inc.'s NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.