# SAFE FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/safe-federal-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 FEDERAL CREDIT UNION is a credit union, headquartered in Sumter, SC, with 315 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 7% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300BLQQL5GPC6OJ66
- **Headquarters:** Sumter, SC
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** SC
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 93/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.094%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $574
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 315
- **Dollar Volume:** $69 million
- **Applications Received:** 540
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $217,857
- **Average Borrower Income:** $100,540
- **Average Property Value:** $299,904

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 71/100 | 315 | -0.094% | $574 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 214 loans, Score: 69/100 (Strong)
- Refinance: 101 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 214 | $53M | -0.149% | Strong 😀 |
| Refinance | 71/100 | 101 | $16M | +0.000% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| SC | 315 | 0.39% | 84/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Columbia, SC | SC | 119 | 82/100 |
| Sumter, SC | SC | 106 | 100/100 |
| Florence, SC | SC | 46 | 81/100 |
| Non |  | 31 | 37/100 |

## Where This Lender Ranks

SAFE FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in South Carolina Credit Unions
  - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in South Carolina for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Columbia, SC Credit Unions
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Columbia, SC for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Sumter, SC
  - [View Full Rankings](https://saferate.com/sumter-sc/best-mortgage-lenders)
- 🥇 **#1** in Sumter, SC for Conventional Loans
  - [View Full Rankings](https://saferate.com/sumter-sc/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Florence, SC
  - [View Full Rankings](https://saferate.com/florence-sc/best-mortgage-lenders)
- 🥇 **#1** in Florence, SC for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/florence-sc/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Columbia, SC
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders)
- 🥈 **#2** in Columbia, SC for Conventional Loans
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Florence, SC for Conventional Loans
  - [View Full Rankings](https://saferate.com/florence-sc/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in South Carolina
  - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders)
- 🥉 **#3** in South Carolina for Conventional Loans
  - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does SAFE FEDERAL CREDIT UNION offer?

SAFE FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SAFE FEDERAL CREDIT UNION offer mortgages?

SAFE FEDERAL CREDIT UNION offers mortgages in 1 states: SC.

### How competitive are SAFE FEDERAL CREDIT UNION's mortgage rates?

SAFE FEDERAL CREDIT UNION has a pricing score of 93/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.094% below market average.

### What type of lender is SAFE FEDERAL CREDIT UNION?

SAFE FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Sumter, SC.

### What is SAFE FEDERAL CREDIT UNION's loan approval success rate?

SAFE FEDERAL CREDIT UNION has a pull-through score of 70/100 (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-federal-credit-union

### How to Cite

> "SAFE FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/safe-federal-credit-union

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