San Francisco Fire Credit Union Mortgage Rates, Fees & Info

SAN FRANCISCO, CA

LEI: 549300CLB0CCSJV6S044

Tax ID: 94-1209440

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
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    San Francisco Fire Credit Union is a smaller credit union specializing in Cash Out Refi and Home Purchase loans. San Francisco Fire Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: San Francisco, Sacramento, Santa Rosa, Vallejo, and Chico among others. We have data for 20 markets. (Some data included below & more in-depth data is available with an active subscription.)

    San Francisco Fire Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    164

    Origination Dollar Volume (All Markets)

    $35,950,000

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 108 $25,460,000 $235,741 $0 10.23%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 10 $3,070,000 $307,000 $0 9.92%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 14 $2,150,000 $153,571 $0 10.16%
    VALLEJO, CA (FHA|USDA|VA) 5 $1,085,000 $217,000 $0 10.38%
    CHICO, CA (FHA|USDA|VA) 1 $505,000 $505,000 $0 0.00%
    STOCKTON, CA (FHA|USDA|VA) 3 $425,000 $141,667 $0 10.38%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $390,000 $195,000 $0 10.50%
    Sonora, CA (FHA|USDA|VA) 2 $330,000 $165,000 $0 0.00%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 3 $315,000 $105,000 $0 10.17%
    Outside of Metro Areas 1 $295,000 $295,000 $0 0.00%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $290,000 $145,000 $0 10.25%
    NAPA, CA (FHA|USDA|VA) 3 $265,000 $88,333 $0 10.33%
    MODESTO, CA (FHA|USDA|VA) 2 $260,000 $130,000 $0 10.25%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $255,000 $255,000 $0 10.25%
    Eureka-Arcata, CA (FHA|USDA|VA) 1 $245,000 $245,000 $0 0.00%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $195,000 $195,000 $0 10.00%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $180,000 $90,000 $0 10.50%
    Crescent City, CA (FHA|USDA|VA) 1 $125,000 $125,000 $0 9.50%
    FRESNO, CA (FHA|USDA|VA) 1 $55,000 $55,000 $0 0.00%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $55,000 $55,000 $0 0.00%
    San Francisco Fire Credit Union's top markets include San Francisco, Sacramento, Santa Rosa, Vallejo, and Chico among others.

    Their top states include:
  • California (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against SAN FRANCISCO FIRE CREDIT UNION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    SAN FRANCISCO FEDERAL CREDIT UNION
    Similarity Rank: 176
    SACRAMENTO Credit Union
    Similarity Rank: 336
    Provident Savings Bank, F.S.B.
    Similarity Rank: 864
    San Mateo Credit Union
    Similarity Rank: 882
    MERIWEST MORTGAGE COMPANY, LLC
    Similarity Rank: 1320
    SUMMIT MORTGAGE BANKERS INC.
    Similarity Rank: 1635
    UNCLE Credit Union
    Similarity Rank: 2033
    TECHNOLOGY
    Similarity Rank: 2068
    Mechanics Bank
    Similarity Rank: 2117
    Provident Credit Union
    Similarity Rank: 2225

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 107 $14,405,000 $134,626 n/a 10.22%
    Conventional 57 $21,545,000 $377,982 $0 0.00%

    For 2024, San Francisco Fire Credit Union's most frequently originated type of loan was HELOC, with 107 originations. Their 2nd most popular type was Conventional, with 57 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 133 $20,055,000 $150,789 $0 10.22%
    Home Purchase 26 $12,250,000 $471,154 $0 0.00%
    Refi 4 $3,390,000 $847,500 $0 0.00%
    Home Improvement 1 $255,000 $255,000 $0 10.00%

    For 2024, San Francisco Fire Credit Union's most frequently cited loan purpose was Cash Out Refi, with 133 originations. The 2nd most popular reason was Home Purchase, with 26 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 164 $35,950,000 $219,207 $0 10.22%

    For 2024, San Francisco Fire Credit Union's most frequently cited loan duration was Other, with 164 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 107 $14,405,000 $134,626

    During 2024, San Francisco Fire Credit Union's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 107 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 54 $7,460,000 $138,148 $0 10.21%
    $100,000 or less 49 $2,685,000 $54,796 $0 10.27%
    $200k-400k 39 $10,125,000 $259,615 $0 10.15%
    $400k-600k 10 $5,060,000 $506,000 $0 0.00%
    $600k-1MM 9 $6,895,000 $766,111 $0 0.00%
    $1MM+ 3 $3,725,000 $1,241,667 $0 0.00%

    2024 saw San Francisco Fire Credit Union place emphasis on $100k-200k loans with 54 originations, totaling $7,460,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 63 $12,905,000 $204,841 $0 10.21%
    $250k+ 57 $17,915,000 $314,298 $0 10.20%
    $100k-150k 30 $3,860,000 $128,667 $0 10.18%
    $50k-75k 7 $395,000 $56,429 $0 10.40%
    $75k-100k 6 $850,000 $141,667 $0 10.31%
    $50k or less 1 $25,000 $25,000 $0 10.50%

    San Francisco Fire Credit Union lent most frequently to those with incomes in the $150k-250k range, with 63 originations. The second most popular income band? $250k+, with 57 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 57 $21,545,000 $377,982 $0 0.00%
    20-30% 22 $3,250,000 $147,727 $0 10.25%
    30-36% 18 $2,710,000 $150,556 $0 10.15%
    49% 11 $1,475,000 $134,091 $0 10.27%
    45% 7 $705,000 $100,714 $0 10.21%
    42% 5 $645,000 $129,000 $0 10.05%
    39% 5 $595,000 $119,000 $0 10.30%
    43% 5 $725,000 $145,000 $0 10.40%
    47% 5 $715,000 $143,000 $0 10.15%
    50-60% 4 $460,000 $115,000 $0 10.00%
    <20% 4 $440,000 $110,000 $0 10.19%
    38% 4 $670,000 $167,500 $0 10.38%
    48% 3 $295,000 $98,333 $0 10.08%
    41% 3 $435,000 $145,000 $0 10.00%
    44% 3 $435,000 $145,000 $0 10.42%
    46% 3 $545,000 $181,667 $0 10.25%
    37% 2 $170,000 $85,000 $0 10.50%
    40% 2 $80,000 $40,000 $0 10.13%
    36% 1 $55,000 $55,000 $0 10.25%

    San Francisco Fire Credit Union lent most frequently to those with DTI ratios of Exempt%, with 57 originations. The next most common DTI ratio? 20-30%, with 22 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 96 $17,010,000 $177,188 $0 10.20%
    Not provided 31 $7,705,000 $248,548 $0 10.20%
    Asian 18 $5,140,000 $285,556 $0 10.38%
    Other Asian 4 $1,680,000 $420,000 $0 10.00%
    American Indian 2 $1,160,000 $580,000 $0 9.75%
    Chinese 2 $1,110,000 $555,000 $0 10.50%
    Black 6 $1,090,000 $181,667 $0 10.25%
    Vietnamese 1 $565,000 $565,000 $0 0.00%
    Filipino 3 $335,000 $111,667 $0 10.38%
    Native Hawaiian 1 $155,000 $155,000 $0 10.25%

    Approval Rates

    Total approvals of all applications
    76.96%

    San Francisco Fire Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    53.05%

    San Francisco Fire Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 57 $21,545,000 $377,982
    NA 107 $14,405,000 $134,626

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    164 $35,950,000 $219,207

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 6 $1,430,000 $238,333 $0 10.25%
    Under 20% 101 $12,975,000 $128,465 $0 10.22%