Applications / Mortgage Analytics / Lenders / California / San Francisco Federal Credit Union
San Francisco, CA · Credit union · NCUA · $1.4 billion assets · 198 loans in 2025
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198
loans originated, 2025
242
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
San Francisco Federal Credit Union makes the biggest loans of any similar credit union, a typical $905,000, and in 2025 it nearly doubled its lending while moving into new states.
Its typical loan was $905,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), the largest among them. Its total of $215.2 million was the highest too. Jumbo loans (larger than the conforming limit) made up 18.3%. Its typical rate, 5.86%, was lower than at about nine in ten peers.
Its loans rose 82%, against 7% at similar lenders and 10% in the whole market. It made 25 loans in 2022 and 19 in 2023 before 109 in 2024 and 198 in 2025. In 2025 it first lent in Dallas-Fort Worth-Arlington, Salt Lake City-Murray, Logan and Portland-Vancouver-Hillsboro.
Low- and moderate-income (LMI) borrowers took 4.8% of its loans, against 27.9% at peers, among the lowest of them. Loans this large are one ordinary reason: few modest earners borrow $905,000. Majority-minority neighborhoods took 62.6% of its loans, against 11.1%, more than at about nine in ten peers. LMI neighborhoods took 18.5%, close to the peer figure.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. San Francisco Federal Credit Union took 242 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.5% · Refinance 42.9% · Home improvement 3.5%
Conventional 100.0% · of 198 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 191 | 96.5% |
| Utah | 4 | 2.0% |
| Illinois | 1 | 0.5% |
| Oregon | 1 | 0.5% |
| Texas | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Francisco-San Mateo-Redwood City | 73 |
| Oakland-Fremont-Berkeley | 55 |
| San Jose-Sunnyvale-Santa Clara | 27 |
| San Rafael | 12 |
| Sacramento-Roseville-Folsom | 7 |
| Los Angeles-Long Beach-Glendale | 4 |
| San Diego-Chula Vista-Carlsbad | 4 |
| Vallejo | 4 |
| Salt Lake City-Murray | 3 |
| Santa Rosa-Petaluma | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300K5R2UQGSNVT989 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 642594 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524542 | 1996–2017 |
Established 1 January 1954. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: San Francisco Federal Credit Union's data.
San Francisco Federal Credit Union's data
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San Francisco Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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