SAN FRANCISCO FEDERAL CREDIT UNION
SAN FRANCISCO FEDERAL CREDIT UNION received 242 applications in 2025 and made 198 mortgages, in 20 counties across 5 states. The median rate its borrowers got was 5.855% on a median loan of $905,000. Of 212 decisions, 7 were denials — 3.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300K5R2UQGSNVT989 |
|---|---|
| Applications received | 242 |
| Mortgages made | 198 |
| Denied | 7 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 30 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.334 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 106 | 5.813% | $905,000 | 1.8% |
| Refinancing | 74 | 5.750% | $1,005,000 | 5.0% |
| Cash-out refinancing | 11 | 7.250% | $255,000 | 7.7% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 0.0% |
Where SAN FRANCISCO FEDERAL CREDIT UNION lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| San Francisco County, CA | 51 | 5.875% | 5.5% |
| Alameda County, CA | 39 | 5.750% | 0.0% |
| Santa Clara County, CA | 27 | 5.625% | 3.5% |
| San Mateo County, CA | 22 | 5.813% | 4.4% |
| Contra Costa County, CA | 16 | 5.750% | 5.3% |
| Marin County, CA | 12 | 6.350% | 0.0% |
| Sacramento County, CA | 5 | Under 10 loans | 16.7% |
| Los Angeles County, CA | 4 | Under 10 loans | 0.0% |
| San Diego County, CA | 4 | Under 10 loans | 0.0% |
| Solano County, CA | 4 | Under 10 loans | 0.0% |
| Salt Lake County, UT | 3 | Under 10 loans | 0.0% |
| Placer County, CA | 2 | Under 10 loans | 0.0% |
| Sonoma County, CA | 2 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Multnomah County, OR | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 1 | Under 10 loans | 0.0% |
| Cache County, UT | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.