Applications / Mortgage Analytics / Lenders / California / First Federal Savings and Loan Association of San Rafael
San Rafael, CA · Savings institution · OCC · $221 million assets · 6 loans in 2025
First Federal Savings and Loan Association of San Rafael's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
6
loans originated, 2025
10
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Savings and Loan Association of San Rafael, a California savings institution that has reported since 1990, now makes only a handful of large home loans a year.
It reported 6 loans in 2025, down from 13 in 2024 and 27 in 2020; its busiest recent year, 2021, brought 32. With so few loans, its shares of lending to particular borrowers and neighborhoods say little. Similar lenders, savings institutions making between a quarter and four times as many loans, number only 15, too few for a firm comparison.
Its typical loan was $1.2 million, against $190,000 at similar lenders. Six loans make a thin base, but the typical loan was also $1.2 million in 2024 and in 2020, so large loans look like a settled habit rather than a fluke. Every loan was conventional, without a government guarantee.
It lends in three counties of one state. In Santa Rosa-Petaluma, its largest market, it ranked 114th of 330 lenders, in a market led by United Wholesale Mortgage and Redwood Credit Union. In San Francisco-Oakland-Fremont, led by Wells Fargo Bank, it ranked 368th of 606. It has lent in both markets since 1990.
Similar lenders: same lender type, originations between a quarter and four times the lender's. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Federal Savings and Loan Association of San Rafael took 10 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 33.3% · Other 16.7%
Conventional 100.0% · of 6 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 | 6 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oakland-Fremont-Berkeley | 4 |
| Santa Rosa-Petaluma | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XM56YJW3X8VP97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 229070 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 46896 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1706896 | 2011–2017 |
Established 31 July 1963. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Federal Savings and Loan Association of San Rafael's data.
First Federal Savings and Loan Association of San Rafael's data
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First Federal Savings and Loan Association of San Rafael 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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