San Francisco Fire Credit Union mortgage approval rate & lending review
San Francisco Fire Credit Union decided 716 mortgage applications and funded 471 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions San Francisco Fire Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
San Francisco Fire Credit Union at a glance
Approval is 7.0 points above the 71.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 74 / 75 | 84% | $625K | 62 |
| Home improvement loans | 100% | 26 / 26 | 88% | $205K | 23 |
| Cash-out refinance | 74% | 388 / 525 | 84% | $135K | 326 |
| Refinance | 100% | 27 / 27 | 89% | $625K | 24 |
| Investment cash-out refinance | 59% | 24 / 41 | 83% | $255K | 20 |
San Francisco Fire Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 78% | $135K | 716 | 471 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where San Francisco Fire Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| San Francisco County, CA | Cash-out refinance | 71% | 150 | 90 |
| Marin County, CA | Cash-out refinance | 74% | 76 | 46 |
| San Mateo County, CA | Cash-out refinance | 73% | 59 | 35 |
| Contra Costa County, CA | Cash-out refinance | 79% | 52 | 33 |
| Alameda County, CA | Cash-out refinance | 78% | 49 | 32 |
| Sonoma County, CA | Cash-out refinance | 76% | 37 | 25 |
The county markets where San Francisco Fire Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about San Francisco Fire Credit Union
What is San Francisco Fire Credit Union's mortgage approval rate?
San Francisco Fire Credit Union approved 78.1% of the 716 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.0 points above the 71.1% national rate for the same mix of loan types.
How often do borrowers take the loan San Francisco Fire Credit Union offers?
Borrowers accepted 84% of the loans San Francisco Fire Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does San Francisco Fire Credit Union make?
The typical cash-out refinance loan San Francisco Fire Credit Union made was $135K; across all loan types its typical loan ran from $135K to $625K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does San Francisco Fire Credit Union lend?
San Francisco Fire Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to San Francisco Fire Credit Union directly?
Yes. San Francisco Fire Credit Union is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show San Francisco Fire Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how San Francisco Fire Credit Union treats applications, then get a rate quote from the lender.