San Francisco Fire Credit Union Mortgage Rates, Fees & Info
SAN FRANCISCO, CALEI: 549300CLB0CCSJV6S044
Tax ID: 94-1209440
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Mortgage Data
Review & Overview
San Francisco Fire Credit Union is a smaller credit union specializing in Cash Out Refi and Refi loans. San Francisco Fire Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: San Francisco, Santa Rosa, San Jose, Sacramento, and Vallejo among others. We have data for 28 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. San Francisco Fire Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 9.67% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
San Francisco Fire Credit Union Mortgage Calculator
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Originations
944Origination Dollar Volume (All Markets)
$328,710,000Awards
SAN FRANCISCO FIRE CREDIT UNION - 2019
SAN FRANCISCO FIRE CREDIT UNION is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 689 | $261,335,000 | $379,296 | $3,135 | 4.70% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 59 | $16,665,000 | $282,458 | $2,872 | 4.48% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 31 | $10,395,000 | $335,323 | $2,897 | 4.99% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 37 | $9,165,000 | $247,703 | $2,728 | 4.41% |
| VALLEJO, CA (FHA|USDA|VA) | 21 | $5,495,000 | $261,667 | $2,756 | 4.23% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 21 | $5,015,000 | $238,810 | $3,649 | 5.20% |
| NAPA, CA (FHA|USDA|VA) | 9 | $2,945,000 | $327,222 | $3,174 | 4.78% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 12 | $2,760,000 | $230,000 | $2,686 | 4.40% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 6 | $2,350,000 | $391,667 | $3,298 | 5.15% |
| Outside of Metro Areas | 12 | $2,120,000 | $176,667 | $2,271 | 3.56% |
| STOCKTON, CA (FHA|USDA|VA) | 8 | $1,880,000 | $235,000 | $2,606 | 4.35% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $1,640,000 | $273,333 | $3,369 | 4.29% |
| SALINAS, CA (FHA|USDA|VA) | 5 | $1,185,000 | $237,000 | $2,756 | 4.49% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $5,832 | 5.00% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $2,604 | 5.04% |
| CHICO, CA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $2,869 | 3.25% |
| MODESTO, CA (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $2,368 | 4.56% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,731 | 5.19% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,733 | 3.88% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,338 | 3.13% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,169 | 3.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,337 | 4.25% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,771 | 5.63% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $2,890 | 3.69% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.25% |
| Sonora, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.40% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,968 | 4.50% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.25% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 506 | $87,880,000 | $173,676 | n/a | 5.62% |
| Conventional | 438 | $240,830,000 | $549,840 | $3,054 | 3.55% |
For 2019, San Francisco Fire Credit Union's most frequently originated type of loan was HELOC, with 506 originations. Their 2nd most popular type was Conventional, with 438 originations.
Loan Reason
For 2019, San Francisco Fire Credit Union's most frequently cited loan purpose was Cash Out Refi, with 667 originations. The 2nd most popular reason was Refi, with 178 originations.
Loan Duration/Length
For 2019, San Francisco Fire Credit Union's most frequently cited loan duration was Other, with 507 originations. The 2nd most popular length was 30 Year, with 360 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 435 | $239,845,000 | $551,368 |
| $1k-2k | 1 | $155,000 | $155,000 |
| $3k-4k | 1 | $125,000 | $125,000 |
| $5k+ | 1 | $705,000 | $705,000 |
San Francisco Fire Credit Union's average total fees were $3,141, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 435 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 338 | $192,320,000 | $568,994 |
| 5-6% | 293 | $53,455,000 | $182,440 |
| 4-5% | 137 | $42,715,000 | $311,788 |
| 6-7% | 133 | $22,835,000 | $171,692 |
| 2.5-3% | 43 | $17,385,000 | $404,302 |
During 2019, San Francisco Fire Credit Union's average interest rate for loans was 3.62%, while their most frequently originated rate bucket for loans was 3-4%, with 338 originations.
Loan Sizing
2019 saw San Francisco Fire Credit Union place emphasis on $200k-400k loans with 306 originations, totaling $84,340,000 in origination value.
Applicant Income
San Francisco Fire Credit Union lent most frequently to those with incomes in the $150k-250k range, with 362 originations. The second most popular income band? $250k+, with 262 originations.
Applicant Debt to Income Ratio
San Francisco Fire Credit Union lent most frequently to those with DTI ratios of 20-30%, with 184 originations. The next most common DTI ratio? 30-36%, with 146 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.08%
San Francisco Fire Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination71.93%
San Francisco Fire Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 944 | $328,710,000 | $348,210 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 944 | $328,710,000 | $348,210 |