# SAN FRANCISCO FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/san-francisco-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


SAN FRANCISCO FEDERAL CREDIT UNION is a credit union, headquartered in San Francisco, CA, serving borrowers across 2 states, with 97 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 13% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 61% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300K5R2UQGSNVT989
- **Headquarters:** San Francisco, CA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** CA, CO
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 87/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.735%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,425
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 97
- **Dollar Volume:** $96 million
- **Applications Received:** 137
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $992,835
- **Average Borrower Income:** $360,608
- **Average Property Value:** $1,517,268

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 34/100 | 74 | -0.725% | $1,442 | Acceptable 🙂 |
| Jumbo | 66/100 | 23 | -0.772% | $1,362 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 46 loans, Score: 31/100 (Acceptable)
- Refinance: 28 loans, Score: 43/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 62 | $63M | -0.649% | Acceptable 🙂 |
| Refinance | 45/100 | 35 | $33M | -0.881% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 96 | 0.03% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Francisco | CA | 45 | 73/100 |
| Oakland | CA | 26 | 60/100 |
| San Jose | CA | 14 | 52/100 |

## Where This Lender Ranks

SAN FRANCISCO FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in San Francisco Credit Unions
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in San Francisco for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#8** in San Francisco for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#15** in San Francisco for Jumbo Loans
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does SAN FRANCISCO FEDERAL CREDIT UNION offer?

SAN FRANCISCO FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SAN FRANCISCO FEDERAL CREDIT UNION offer mortgages?

SAN FRANCISCO FEDERAL CREDIT UNION offers mortgages in 2 states: CA, CO.

### How competitive are SAN FRANCISCO FEDERAL CREDIT UNION's mortgage rates?

SAN FRANCISCO FEDERAL CREDIT UNION has a pricing score of 87/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.735% below market average.

### What type of lender is SAN FRANCISCO FEDERAL CREDIT UNION?

SAN FRANCISCO FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in San Francisco, CA.

### What is SAN FRANCISCO FEDERAL CREDIT UNION's loan approval success rate?

SAN FRANCISCO FEDERAL CREDIT UNION has a pull-through score of 39/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/san-francisco-federal-credit-union

### How to Cite

> "SAN FRANCISCO FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/san-francisco-federal-credit-union

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