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 score and performance metrics.

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 an overall pricing score of 86.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is San Francisco Federal Credit Union?

San Francisco Federal Credit Union is a Credit Union headquartered in San Francisco, CA.

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San Francisco Federal Credit Union

Credit Union•San Francisco, CAHQ•Direct•Reviews near you on Google

San Francisco Federal Credit Union has 97 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Summary

What They Do Well

Offers rates 73.50 basis points below market average
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

San Francisco Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 73.5 bps below market avg

5/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

74 loans · 0.72% below market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

23 loans · 0.77% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

62 loans · 0.65% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

35 loans · 0.88% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Exceptional	Sound	74	76.3%	-0.725%Below	$1,442Fees
Jumbo Loans	Strong	Strong	—	Strong	23	23.7%	-0.772%Below	$1,362Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Sound

Volume74

Mix76.3%

Spread

-0.725%Below

Fees

$1,442Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume23

Mix23.7%

Spread

-0.772%Below

Fees

$1,362Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Sound	62	63.9%	-0.649%Below	$1,442Fees
Refinance	Strong	Sound	Exceptional	Strong	35	36.1%	-0.881%Below	$1,398Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Sound

Volume62

Mix63.9%

Spread

-0.649%Below

Fees

$1,442Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume35

Mix36.1%

Spread

-0.881%Below

Fees

$1,398Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

137

Volume

$96 million

Pricing & Closing

Avg Rate Spread

-0.735%

vs. market APOR

Avg Net Fees

$1,425

Origination − Credits

Pullthrough Rate

70.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$992,835

Avg Borrower Income

$360,608

Avg Property Value

$1,517,268

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

All statesNone

West2

CACO

Top Metro Areas by Place Specialization Score

San Francisco, CAMetro

Volume 45Mix 46.39% of portfolio

73/100

Strong

Oakland, CAMetro

Volume 26Mix 26.80% of portfolio

60/100

Sound

San Jose, CAMetro

Volume 14Mix 14.43% of portfolio

52/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 96Mix 98.97% of portfolio

64/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.