SAFE Credit Union
SAFE Credit Union received 1,366 applications in 2025 and made 989 mortgages, in 28 counties across 1 state. The median rate its borrowers got was 5.750% on a median loan of $105,000. Of 1,108 decisions, 112 were denials — 10.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300SGD2RNJOEDDS24 |
|---|---|
| Applications received | 1,366 |
| Mortgages made | 989 |
| Denied | 112 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 258 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.345 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 253 | 6.125% | $555,000 | 0.8% |
| Refinancing | 23 | 6.100% | $455,000 | 4.2% |
| Cash-out refinancing | 142 | 6.188% | $120,000 | 10.6% |
| Other purposes | 571 | 5.490% | $75,000 | 13.8% |
Where SAFE Credit Union lends most
The 28 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sacramento County, CA | 456 | 5.490% | 11.5% |
| Placer County, CA | 363 | 5.875% | 8.1% |
| San Joaquin County, CA | 35 | 5.875% | 5.4% |
| El Dorado County, CA | 32 | 5.490% | 15.8% |
| Yolo County, CA | 22 | 6.563% | 8.3% |
| Alameda County, CA | 12 | 6.014% | 0.0% |
| Nevada County, CA | 12 | 6.500% | 0.0% |
| Contra Costa County, CA | 10 | 7.438% | 16.7% |
| Yuba County, CA | 10 | 5.630% | 23.1% |
| Solano County, CA | 7 | Under 10 loans | 0.0% |
| Sutter County, CA | 5 | Under 10 loans | 16.7% |
| Amador County, CA | 4 | Under 10 loans | 20.0% |
| Calaveras County, CA | 3 | Under 10 loans | 0.0% |
| Riverside County, CA | 3 | Under 10 loans | 0.0% |
| Butte County, CA | 2 | Under 10 loans | 33.3% |
| San Bernardino County, CA | 2 | Under 10 loans | 0.0% |
| San Diego County, CA | 2 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 2 | Under 10 loans | 0.0% |
| Stanislaus County, CA | 2 | Under 10 loans | 0.0% |
| Lake County, CA | 1 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 50.0% |
| Plumas County, CA | 1 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 1 | Under 10 loans | 0.0% |
| Shasta County, CA | 1 | Under 10 loans | 0.0% |
| Fresno County, CA | 0 | Under 10 loans | Not published |
| Mendocino County, CA | 0 | Under 10 loans | Not published |
| Siskiyou County, CA | 0 | Under 10 loans | 100.0% |
| Sonoma County, CA | 0 | Under 10 loans | Not published |
Get told when this changes
When SAFE Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.