Looking for a different lender?
S
SAFE Credit Union
Credit Union|Folsom, CA|Single State
Loans Originated
345
Applications
454
Volume
$203 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.080%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,674
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
76.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Report Card
SAFE Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Single State · 3 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$589,406
Average Borrower Income
$225,467
Average Property Value
$854,275
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Strong | Sound | 269 | 78.0% | +0.077% | $1,987 |
Jumbo Loans | Sound | Strong | Acceptable | Strong | 76 | 22.0% | +0.096% | $93 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Sound | 304 | 88.1% | +0.017% | $1,968 |
Refinance | Sound | Sound | Sound | Strong | 41 | 11.9% | +0.427% | $51 |
Geographic Coverage
Metro Areas
3
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CA
Top Metro Areas by Place Specialization Score
1
Sacramento, CAMSA
Volume: 257Mix: 74.49%
Place Specialization
Exceptional
2
Stockton, CAMSA
Volume: 64Mix: 18.55%
Place Specialization
Strong
3
Oakland, CAMSA
Volume: 11Mix: 3.19%
Place Specialization
Sound
Top States by Place Specialization Score
1
CAState
Volume: 345Mix: 100.00%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to Get Started?
Compare SAFE Credit Union with other lenders or get personalized recommendations.