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, Sacramento, San Jose, and Vallejo among others. We have data for 27 markets. (Some data included below & more in-depth data is available with an active subscription.)San Francisco Fire Credit Union has an above 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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 9.67% | 4/18/24 |
| 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
1,063Origination Dollar Volume (All Markets)
$407,145,000Top 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) | 796 | $320,070,000 | $402,098 | $0 | 3.67% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 73 | $29,555,000 | $404,863 | $0 | 3.81% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 42 | $12,670,000 | $301,667 | $0 | 4.11% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 25 | $9,375,000 | $375,000 | $0 | 3.85% |
| VALLEJO, CA (FHA|USDA|VA) | 26 | $6,580,000 | $253,077 | $0 | 4.11% |
| STOCKTON, CA (FHA|USDA|VA) | 20 | $5,520,000 | $276,000 | $0 | 3.41% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 10 | $4,890,000 | $489,000 | $0 | 3.75% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 15 | $4,555,000 | $303,667 | $0 | 3.74% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 7 | $2,495,000 | $356,429 | $0 | 3.50% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 8 | $2,450,000 | $306,250 | $0 | 3.63% |
| NAPA, CA (FHA|USDA|VA) | 6 | $2,010,000 | $335,000 | $0 | 3.50% |
| Outside of Metro Areas | 6 | $1,320,000 | $220,000 | $0 | 4.75% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $0 | 4.47% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $0 | 3.25% |
| Sonora, CA (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $0 | 2.90% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $0 | 0.00% |
| Ukiah, CA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $0 | 3.15% |
| Susanville, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 4.50% |
| Clearlake, CA (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $0 | 2.90% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.25% |
| REDDING, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| MADERA, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.25% |
| CHICO, CA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
Their top states include:
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 633 | $335,285,000 | $529,676 | $0 | 0.00% |
| HELOC | 430 | $71,860,000 | $167,116 | n/a | 3.71% |
For 2020, San Francisco Fire Credit Union's most frequently originated type of loan was Conventional, with 633 originations. Their 2nd most popular type was HELOC, with 430 originations.
Loan Reason
For 2020, San Francisco Fire Credit Union's most frequently cited loan purpose was Cash Out Refi, with 724 originations. The 2nd most popular reason was Refi, with 295 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 1,063 | $407,145,000 | $383,015 | $0 | 3.71% |
For 2020, San Francisco Fire Credit Union's most frequently cited loan duration was Other, with 1,063 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 233 | $42,575,000 | $182,725 |
| 4-5% | 110 | $15,600,000 | $141,818 |
| 2.5-3% | 58 | $8,550,000 | $147,414 |
| 5-6% | 29 | $5,135,000 | $177,069 |
During 2020, San Francisco Fire Credit Union's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 3-4%, with 233 originations.
Loan Sizing
2020 saw San Francisco Fire Credit Union place emphasis on $200k-400k loans with 376 originations, totaling $104,820,000 in origination value.
Applicant Income
San Francisco Fire Credit Union lent most frequently to those with incomes in the $150k-250k range, with 407 originations. The second most popular income band? $250k+, with 250 originations.
Applicant Debt to Income Ratio
San Francisco Fire Credit Union lent most frequently to those with DTI ratios of Exempt%, with 633 originations. The next most common DTI ratio? 30-36%, with 73 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.33%
San Francisco Fire Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination58.61%
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 | 633 | $335,285,000 | $529,676 |
| NA | 430 | $71,860,000 | $167,116 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| SEMPER HOME LOANS, INC | Conventional home mortgage | Closing on a mortgage | 1 | 50.0% |
| SEMPER HOME LOANS, INC | FHA mortgage | Closing on a mortgage | 1 | 50.0% |