San Francisco Fire Credit Union Mortgage Rates, Fees & Info

SAN FRANCISCO, CA

LEI: 549300CLB0CCSJV6S044

Tax ID: 94-1209440

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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 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, Vallejo, and San Jose among others. We have data for 29 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% 5/4/24
    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






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from San Francisco Fire Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,146

    Origination Dollar Volume (All Markets)

    $405,220,000

    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) 862 $321,400,000 $372,854 $0 3.38%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 81 $26,425,000 $326,235 $0 3.50%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 51 $13,465,000 $264,020 $0 3.43%
    VALLEJO, CA (FHA|USDA|VA) 22 $6,790,000 $308,636 $0 3.34%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 19 $6,665,000 $350,789 $0 3.49%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 12 $5,060,000 $421,667 $0 3.38%
    NAPA, CA (FHA|USDA|VA) 7 $3,655,000 $522,143 $0 3.00%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 16 $3,440,000 $215,000 $0 3.50%
    STOCKTON, CA (FHA|USDA|VA) 14 $3,290,000 $235,000 $0 3.48%
    SALINAS, CA (FHA|USDA|VA) 6 $2,980,000 $496,667 $0 4.00%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 10 $1,840,000 $184,000 $0 3.24%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 11 $1,785,000 $162,273 $0 3.65%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 7 $1,745,000 $249,286 $0 3.16%
    Outside of Metro Areas 5 $905,000 $181,000 $0 3.58%
    Sonora, CA (FHA|USDA|VA) 2 $830,000 $415,000 $0 3.00%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $695,000 $231,667 $0 3.75%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $660,000 $330,000 $0 3.75%
    YUBA CITY, CA (FHA|USDA|VA) 2 $620,000 $310,000 $0 3.25%
    REDDING, CA (FHA|USDA|VA) 1 $515,000 $515,000 $0 0.00%
    Crescent City, CA (FHA|USDA|VA) 1 $405,000 $405,000 $0 0.00%
    FRESNO, CA (FHA|USDA|VA) 4 $370,000 $92,500 $0 4.13%
    Ukiah, CA (FHA|USDA|VA) 1 $365,000 $365,000 $0 0.00%
    Eureka-Arcata, CA (FHA|USDA|VA) 1 $345,000 $345,000 $0 0.00%
    MERCED, CA (FHA|USDA|VA) 1 $315,000 $315,000 $0 0.00%
    Red Bluff, CA (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.25%
    VISALIA, CA (FHA|USDA|VA) 1 $155,000 $155,000 $0 0.00%
    Clearlake, CA (FHA|USDA|VA) 1 $145,000 $145,000 $0 0.00%
    MODESTO, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.25%
    San Francisco Fire Credit Union's top markets include San Francisco, Santa Rosa, Sacramento, Vallejo, and San Jose 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.

    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 624
    HERITAGE COMMUNITY CREDIT UNION
    Similarity Rank: 1134
    1ST NORTHERN CALIFORNIA
    Similarity Rank: 1440
    Provident Savings Bank, F.S.B.
    Similarity Rank: 1792
    COMMUNITY FIRST CREDIT UNION
    Similarity Rank: 1800
    SAN FRANCISCO FEDERAL CREDIT UNION
    Similarity Rank: 2191
    Sierra Central Credit Union
    Similarity Rank: 2628
    T. J. FINANCIAL, INC.
    Similarity Rank: 2674
    SAN DIEGO COUNTY CREDIT UNION
    Similarity Rank: 2715
    SAFEAMERICA CREDIT UNION
    Similarity Rank: 2895

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 706 $124,830,000 $176,813 n/a 3.40%
    Conventional 440 $280,390,000 $637,250 $0 0.00%

    For 2021, San Francisco Fire Credit Union's most frequently originated type of loan was HELOC, with 706 originations. Their 2nd most popular type was Conventional, with 440 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 906 $263,640,000 $290,993 $0 3.40%
    Refi 152 $73,330,000 $482,434 $0 0.00%
    Home Purchase 79 $63,875,000 $808,544 $0 3.81%
    Other 6 $2,750,000 $458,333 $0 0.00%
    Home Improvement 3 $1,625,000 $541,667 $0 3.25%

    For 2021, San Francisco Fire Credit Union's most frequently cited loan purpose was Cash Out Refi, with 906 originations. The 2nd most popular reason was Refi, with 152 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 1,146 $405,220,000 $353,595 $0 3.40%

    For 2021, San Francisco Fire Credit Union's most frequently cited loan duration was Other, with 1,146 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 496 $94,080,000 $189,677
    4-5% 106 $15,210,000 $143,491
    2.5-3% 104 $15,540,000 $149,423

    During 2021, 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 496 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 431 $111,105,000 $257,784 $0 3.34%
    $100k-200k 238 $33,230,000 $139,622 $0 3.40%
    $100,000 or less 162 $10,270,000 $63,395 $0 3.48%
    $400k-600k 131 $64,105,000 $489,351 $0 3.72%
    $600k-1MM 101 $80,035,000 $792,426 $0 0.00%
    $1MM+ 83 $106,475,000 $1,282,831 $0 0.00%

    2021 saw San Francisco Fire Credit Union place emphasis on $200k-400k loans with 431 originations, totaling $111,105,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 425 $154,265,000 $362,976 $0 3.40%
    $250k+ 340 $155,740,000 $458,059 $0 3.45%
    $100k-150k 236 $60,230,000 $255,212 $0 3.33%
    $75k-100k 85 $18,505,000 $217,706 $0 3.34%
    $50k-75k 38 $7,040,000 $185,263 $0 3.36%
    $50k or less 17 $3,755,000 $220,882 $0 3.50%

    San Francisco Fire Credit Union lent most frequently to those with incomes in the $150k-250k range, with 425 originations. The second most popular income band? $250k+, with 340 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 440 $280,390,000 $637,250 $0 0.00%
    30-36% 107 $18,265,000 $170,701 $0 3.34%
    20-30% 106 $18,230,000 $171,981 $0 3.44%
    49% 61 $10,285,000 $168,607 $0 3.48%
    44% 38 $6,790,000 $178,684 $0 3.33%
    46% 37 $6,685,000 $180,676 $0 3.43%
    50-60% 35 $6,045,000 $172,714 $0 3.33%
    48% 33 $5,985,000 $181,364 $0 3.35%
    42% 31 $5,555,000 $179,194 $0 3.39%
    47% 30 $4,950,000 $165,000 $0 3.43%
    43% 29 $5,895,000 $203,276 $0 3.38%
    45% 27 $5,625,000 $208,333 $0 3.43%
    41% 27 $4,835,000 $179,074 $0 3.32%
    39% 26 $4,890,000 $188,077 $0 3.53%
    36% 25 $4,025,000 $161,000 $0 3.50%
    38% 24 $3,920,000 $163,333 $0 3.25%
    40% 22 $4,400,000 $200,000 $0 3.48%
    37% 22 $3,620,000 $164,545 $0 3.35%
    <20% 19 $3,685,000 $193,947 $0 3.43%
    >60% 5 $755,000 $151,000 $0 3.35%

    San Francisco Fire Credit Union lent most frequently to those with DTI ratios of Exempt%, with 440 originations. The next most common DTI ratio? 30-36%, with 107 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 683 $228,735,000 $334,898 $0 3.40%
    Not provided 253 $91,965,000 $363,498 $0 3.36%
    Asian 88 $38,830,000 $441,250 $0 3.43%
    Black 35 $9,635,000 $275,286 $0 3.47%
    Not applicable 6 $9,230,000 $1,538,333 $0 0.00%
    American Indian 15 $7,485,000 $499,000 $0 3.39%
    Chinese 16 $5,390,000 $336,875 $0 3.34%
    Asian Indian 18 $5,080,000 $282,222 $0 3.55%
    Filipino 7 $3,075,000 $439,286 $0 3.40%
    Other Asian 9 $2,515,000 $279,444 $0 3.54%
    Japanese 3 $835,000 $278,333 $0 3.00%
    Vietnamese 5 $705,000 $141,000 $0 3.58%
    Native Hawaiian or Islander 3 $625,000 $208,333 $0 3.13%
    Korean 3 $475,000 $158,333 $0 3.50%
    Guamanian 1 $435,000 $435,000 $0 0.00%
    Samoan 1 $205,000 $205,000 $0 3.00%

    Approval Rates

    Total approvals of all applications
    90.67%

    San Francisco Fire Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    78.53%

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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 440 $280,390,000 $637,250
    NA 706 $124,830,000 $176,813

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,146 $405,220,000 $353,595

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 106 $26,030,000 $245,566 $0 3.45%
    40-60% 6 $1,750,000 $291,667 $0 3.40%
    60-80% 1 $255,000 $255,000 $0 3.25%
    Under 20% 593 $96,795,000 $163,229 $0 3.39%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    SEMPER HOME LOANS, INC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
    SEMPER HOME LOANS, INC Conventional home mortgage Closing on a mortgage 2 66.7%