San Francisco Fire Credit Union in California vs the state
19.4%Denial rate+2.00 pts vs state
23.7%Decision denial rate+1.34 pts vs state
55.6%Origination rate-0.62 pts vs state
—Median rate
—Rate spread (pts)
$205kMedian applicant income
229Loans originated
80Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 422 | 232 | 19.9% | 9.25% | #245 |
| 2024 | 350 | 164 | 27.7% | 10.25% | #287 |
| 2025 | 412 | 229 | 19.4% | — | #285 |
What San Francisco Fire Credit Union lends in California
By loan purpose
By loan type
Where in California
Counties with the most San Francisco Fire Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Francisco County | 83 | 68 | 6 | 7.2% |
| Alameda County | 33 | 26 | 2 | 6.1% |
| Marin County | 33 | 24 | 4 | 12.1% |
| San Mateo County | 31 | 27 | 2 | 6.5% |
| Contra Costa County | 31 | 24 | 2 | 6.5% |
| Sonoma County | 19 | 16 | 1 | 5.3% |
| Santa Clara County | 6 | 5 | 0 | 0.0% |
| Solano County | 6 | 5 | 1 | 16.7% |
| Sacramento County | 5 | 4 | 0 | 0.0% |
| Placer County | 5 | 3 | 2 | 40.0% |
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: 412 applications in 2025, of which 229 were originated and 80 denied.
19.4% of all applications, or 23.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are San Francisco Fire 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