San Francisco Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
82nd3.3% deniedPricingmedian rate spread over APOR, weight 30%
94th-0.33 ptsProcesswithdrawn + incomplete share, weight 15%
46th12.4%Closing coststotal loan costs ÷ loan amount, weight 10%
93rd0.60% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 30 | 19 | 23.3% | 26.9% | 6.38% | $9.0M |
| 2024 | 151 | 109 | 7.3% | 9.0% | 5.63% | $108M |
| 2025 | 242 | 198 | 2.9% | 3.3% | 5.86% | $215M |
What San Francisco Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 33 investment properties.
Why San Francisco Federal Credit Union denies applications
Primary reason reported for each of the 7 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at San Francisco Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $150k – $250k | 49 | 43 | 0.0% |
| Over $250k | 141 | 111 | 2.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 80 | 62 | 6.1% |
| 35–44 | 83 | 66 | 1.4% |
| 45–54 | 23 | 20 | 0.0% |
Where San Francisco Federal Credit Union lends
5 states and 20 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 234 | 191 | 3.0% | 5.80% | #342 |
Frequently asked questions
San Francisco Federal Credit Union denied 3.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 82nd percentile of small mortgage lenders.
The most common reason San Francisco Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 71.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans San Francisco Federal Credit Union originated in 2025 was 5.86%, and its median rate spread over the average prime offer rate was -0.33 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 51% of its applications were for home purchases, 45% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.