San Francisco Federal Credit Union in California vs the state
3.0%Denial rate-14.43 pts vs state
3.4%Decision denial rate-18.99 pts vs state
81.6%Origination rate+25.42 pts vs state
5.80%Median rate-0.83 pts vs state
-0.33Rate spread (pts)-0.61 pts vs state
$296kMedian applicant income
191Loans originated
7Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 19 | 20.7% | 6.38% | #607 |
| 2024 | 148 | 108 | 7.4% | 5.69% | #381 |
| 2025 | 234 | 191 | 3.0% | 5.80% | #342 |
What San Francisco Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most San Francisco Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Francisco County | 60 | 51 | 3 | 5.0% |
| Alameda County | 48 | 39 | 0 | 0.0% |
| Santa Clara County | 37 | 27 | 1 | 2.7% |
| San Mateo County | 26 | 22 | 1 | 3.8% |
| Contra Costa County | 20 | 16 | 1 | 5.0% |
| Marin County | 13 | 12 | 0 | 0.0% |
| Sacramento County | 7 | 5 | 1 | 14.3% |
| Los Angeles County | 6 | 4 | 0 | 0.0% |
| Solano County | 4 | 4 | 0 | 0.0% |
| San Diego County | 4 | 4 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 234 applications in 2025, of which 191 were originated and 7 denied.
3.0% of all applications, or 3.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans San Francisco Federal Credit Union originated in California in 2025 was 5.80%, against a statewide median of 6.63%.
About this data. Figures are San Francisco Federal Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology