First Federal Savings And Loan Association Of San Rafael Mortgage Rates, Fees & Info

San Rafael, CA

LEI: 254900XM56YJW3X8VP97

Tax ID: 94-1552333

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    First Federal Savings And Loan Association Of San Rafael is a smaller mortgage company specializing in various types of mortgages.



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    Originations

    0

    Origination Dollar Volume (All Markets)

    $0

    Employee count

    37

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    First Technology Federal Credit Union Other type of mortgage Trouble during payment process 1 50.0%
    First Technology Federal Credit Union Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Federal Savings and Loan Association of San Rafael 1030 Third St San Rafael, CA 94901 Full Service B&M $44,884
    First Federal Savings and Loan Association of San Rafael 2009 Sir Francis Drake Blvd Fairfax, CA 94930 Full Service B&M $21,818
    First Federal Savings and Loan Association of San Rafael 2400 Chestnut Street San Francisco, CA 94123 Full Service B&M $30,609
    First Federal Savings and Loan Association of San Rafael 2521 San Bruno Avenue San Francisco, CA 94134 Full Service B&M $29,313
    First Federal Savings and Loan Association of San Rafael 6058 College Avenue Oakland, CA 94618 Full Service B&M $26,833

    For 2018, First Federal Savings And Loan Association Of San Rafael had 5 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $8,300
    Net interest income $7,050
    Total noninterest income $37
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $20
    Trading account gains and fees $0
    Additional Noninterest Income $17
    Pre-tax net operating income $1,273
    Securities gains (or losses, -) $0
    Income before extraordinary items $857
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $857
    Minority interest net income $0
    Net income $857
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $857

    First Federal Savings And Loan Association Of San Rafael's gross interest income from loans was $8,300,000.
    First Federal Savings And Loan Association Of San Rafael's net interest income from loans was $7,050,000.
    First Federal Savings And Loan Association Of San Rafael's fee based income from loans was $20,000.
    First Federal Savings And Loan Association Of San Rafael's net income from loans was $857,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,250
    Provision for credit losses $0
    Total noninterest expense $5,814
    Salaries and employee benefits $3,558
    Premises and equipment expense $925
    Additional noninterest expense $1,331
    Applicable income taxes $416
    Net charge-offs $0
    Cash dividends $0

    First Federal Savings And Loan Association Of San Rafael's interest expense for loans was $1,250,000.
    First Federal Savings And Loan Association Of San Rafael's payroll and benefits expense were $3,558,000.
    First Federal Savings And Loan Association Of San Rafael's property, plant and equipment expenses $925,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $150,141
    Deposits held in domestic offices $150,141
    Deposits by Individuals, partnerships, and corporations $146,069
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $0
    Deposits by Commercial banks and other depository institutions in U.S. $4,072
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $20,418
    Demand deposits $17,009
    Nontransaction accounts $129,723
    Money market deposit accounts (MMDAs) $12
    Other savings deposits (excluding MMDAs) $34,010
    Total time deposits $95,701
    Total time and savings deposits $133,132
    Noninterest-bearing deposits $986
    Interest-bearing deposits $149,155
    Retail deposits $130,355
    IRAs and Keogh plan accounts $12,710
    Brokered deposits $5,056
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $193,709
    Cash & Balances due from depository institutions $7,116
    Interest-bearing balances $6,458
    Total securities $0
    Federal funds sold & reverse repurchase $0
    Net loans and leases $183,440
    Loan and leases loss allowance $940
    Trading account assets $0
    Bank premises and fixed assets $963
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $2,190

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $193,709
    Total Liabilities $153,351
    Total deposits $150,141
    Interest-bearing deposits $149,155
    Deposits held in domestic offices $150,141
    % insured (estimated) $89
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $2,500
    Subordinated debt $0
    All other liabilities $710

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $183,440
    Loan and leases loss allowance $940
    Total loans and leases (domestic) $184,380
    All real estate loans $184,827
    Real estate loans in domestic offices $184,827
    Construction and development loans $0
    Residential 1-4 family construction $0
    Other construction, all land development and other land $0
    Loans secured by nonfarm nonresidential properties $27,555
    Nonfarm nonresidential secured by owner-occupied properties $833
    Commercial real estate & other non-farm, non-residential $26,722
    Multifamily residential real estate $154,035
    1-4 family residential loans $3,237
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $0
    To non-U.S. addressees $0
    Loans to individuals $0
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $0
    Other loans to individuals $0
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    First Federal Savings and Loan Association of San Rafael had $183,440,000 of loans outstanding in 2018. $184,827,000 of loans were in real estate loans. $0 of loans were in development loans. $154,035,000 of loans were in multifamily mortgage loans. $3,237,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 35 $15,020 $429,143
    Nonfarm, nonresidential loans - $100-250k 7 $704 $100,571
    Nonfarm, nonresidential loans - $250k-1MM 28 $14,316 $511,286