# SAFE Credit Union

> **Canonical URL:** https://saferate.com/lenders/safe-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


SAFE Credit Union is a credit union, headquartered in Folsom, CA, with 345 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 47% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 35% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300SGD2RNJOEDDS24
- **Headquarters:** Folsom, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.080%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,674
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 345
- **Dollar Volume:** $203 million
- **Applications Received:** 454
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $589,406
- **Average Borrower Income:** $225,467
- **Average Property Value:** $854,275

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 269 | +0.077% | $1,987 | Sound ☺️ |
| Jumbo | 79/100 | 76 | +0.096% | $93 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 235 loans, Score: 53/100 (Sound)
- Refinance: 34 loans, Score: 46/100 (Sound)

**Jumbo:**
- Purchase: 69 loans, Score: 80/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 55/100 | 304 | $187M | +0.017% | Sound ☺️ |
| Refinance | 47/100 | 41 | $17M | +0.427% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 345 | 0.12% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Sacramento | CA | 257 | 83/100 |
| Stockton | CA | 64 | 75/100 |
| Oakland | CA | 11 | 44/100 |

## Where This Lender Ranks

SAFE Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Sacramento Credit Unions
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Stockton Credit Unions
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Stockton for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Sacramento for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Sacramento for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#5** in Stockton for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#7** in Sacramento
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders)
- 🏆 **#13** in Stockton
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders)
- 🏆 **#18** in Stockton for Jumbo Loans
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/jumbo-loans)
- 🏆 **#19** in Sacramento for Conventional Loans
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does SAFE Credit Union offer?

SAFE Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SAFE Credit Union offer mortgages?

SAFE Credit Union offers mortgages in 1 states: CA.

### How competitive are SAFE Credit Union's mortgage rates?

SAFE Credit Union has a pricing score of 53/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.080% above market average.

### What type of lender is SAFE Credit Union?

SAFE Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Folsom, CA.

### What is SAFE Credit Union's loan approval success rate?

SAFE Credit Union has a pull-through score of 65/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/safe-credit-union

### How to Cite

> "SAFE Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/safe-credit-union

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