San Francisco Fire Credit Union Mortgage Interest Rate and Cost Review

Is San Francisco Fire Credit Union a cheap or expensive mortgage lender? To help you shop for a mortgage, we compare the interest rates and closing costs charged by San Francisco Fire Credit Union to those of other lenders for a comparable set of borrowers. We maintain our independence by not accepting any money from the mortgage lenders we review. Going by historical data, here is our review of San Francisco Fire Credit Union nationally:

Review ItemSan Francisco Fire Credit Union
Interest Ratelower than other lenders (-0.22%)
Loan Related Closing Costslower than other lenders (-$552)
National Rate and Closing Cost Star Rating(4.5)

On average, San Francisco Fire Credit Union’s interest rates were lower than those of other lenders (-0.22%) for a comparable set of borrowers. Its loan related closing costs were also lower than those of other lenders, with a difference of -$552. Overall, combining interest rates and closing costs we estimate that San Francisco Fire Credit Union tends to be a cheap lender, and give it a National Rate and Closing Costs Rating of 4.5 out of 5 stars. To visit San Francisco Fire Credit Union, its website is located at: https://sffirecu.org.

San Francisco Fire Credit Union’s Rate Review by City

Mortgage lenders often set different rates in different geographical markets. In particular, among the cities we track San Francisco Fire Credit Union was most active in:

  1. San Francisco, CA
  2. Sacramento, CA
  3. Stockton, CA
  4. Los Angeles, CA
  5. San Jose, CA

You can click through to check out San Francisco Fire Credit Union’s mortgage rate relative to those of other lenders within each city. Or, for our entire list of the top mortgage lenders by city, click here.

San Francisco Fire Credit Union’s Rate Review by Mortgage Type

Mortgage lenders also tend to charge different interest rates and closing costs depending on the type of mortgage. In our data, San Francisco Fire Credit Union originated Conforming and Jumbo mortgages for new home purchases and refinances. Its average interest rate and total loan related closing cost difference relative to other lenders by mortgages type is as follows.

Purchase/Refinance:
New Purchase MortgagesConformingJumbo
Interest Rate Difference-0.03%-0.03%
Loan Related Closing Cost Difference-$127-$25
Cost Adjusted Rate Difference-0.03%-0.03%
National Star Rating(3.5)(3.5)
Refinance MortgagesConformingJumbo
Interest Rate Difference-0.28%-0.12%
Loan Related Closing Cost Difference-$806+$135
Cost Adjusted Rate Difference-0.32%-0.12%
Average Star Rating(5)(4)

As a summary, San Francisco Fire Credit Union is similar to other lenders for Conforming and Jumbo purchase mortgages. For refinancing, San Francisco Fire Credit Union is cheap for Conforming and Jumbo mortgage refinance. Nevertheless, individual circumstances can matter a lot for mortgage rates, and we always recommend shopping among several of our top mortgage lenders in your area before signing.

Other information about San Francisco Fire Credit Union:

Registered name: San Francisco Fire Credit Union
Registered city and state: San Francisco, CA, 94118
Regulator: National Credit Union Administration (NCUA)

* Source of the data is Federal Financial Institutions Examination Council (FFIEC) and is for mortgages originated in the past year. Our comparable mortgages analysis controls for San Francisco Fire Credit Union’s distribution of loan term (e.g. 30 year vs 15 year), loan-to-value (LTV), debt-to-income (DTI), loan amount, loan program (e.g. Conforming/FHA), loan purpose (e.g. purchase/refinance), and commuting zone. Cost adjusted rates were computed based on each percent of the loan amount in above average loan related closing costs being worth +0.15 of a percentage point in interest rate. Furthermore, the amounts are regularized using a Bayesian approach to control for small samples.