Applications / Mortgage Analytics / Lenders / California / San Francisco Fire Credit Union
San Francisco, CA · Credit union · STATE · $1.6 billion assets · 229 loans in 2025
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229
loans originated, 2025
412
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
San Francisco Fire Credit Union makes big loans for purposes other than buying a home, and in 2025 it made 40% more of them, though it lends far less than it did before 2023.
It made 229 loans, up 40%, while similar lenders (credit unions making between half and twice as many loans) grew 6% and the whole market 10%. It grew faster than about four in five of its peers. Yet it made 929 loans in 2022 and only 232 in 2023. A smaller lending program, or a change in which loans it reports, could account for that drop.
Other purposes made up 59.8% of its loans; refinances took 16.6% and purchases 13.5%. Its typical loan was $205,000, against $105,000 at similar lenders, larger than at about nine in ten. Its total of $71.3 million was about double the typical peer's.
Majority-minority neighborhoods took 45.6% of its loans, against 11.8% at similar lenders, more than at about four in five of them. Low- and moderate-income (LMI) neighborhoods took 20.0%, against 16.4%, more than at about two-thirds of its peers.
It lent in 15 metros, all in California. In San Francisco-Oakland-Fremont it ranked 129 of 606 lenders. In Santa Rosa-Petaluma it ranked 87 of 330, with 0.2% of lending, up by 0.1 points.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Fire Credit Union took 412 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 59.8% · Refinance 16.6% · Purchase 13.5% · Home improvement 10.0%
Conventional 100.0% · of 229 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 | 228 | 99.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Francisco-San Mateo-Redwood City | 95 |
| Oakland-Fremont-Berkeley | 50 |
| San Rafael | 24 |
| Santa Rosa-Petaluma | 16 |
| Sacramento-Roseville-Folsom | 10 |
| San Jose-Sunnyvale-Santa Clara | 5 |
| Vallejo | 5 |
| Napa | 4 |
| San Diego-Chula Vista-Carlsbad | 4 |
| Riverside-San Bernardino-Ontario | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CLB0CCSJV6S044 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 770497 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 597069 | 2000–2017 |
Established 1 January 1959. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: San Francisco Fire Credit Union's data.
San Francisco Fire Credit Union's data
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San Francisco Fire 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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