Lender in California · HMDA 2025
Safe Credit Union mortgages in California
Safe Credit Union's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Safe Credit Union originated 250 owner-occupied single-family loans in California from 253 completed applications.
Its median conventional purchase loan costs were $6,980 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.125% (California: 6.625%).
Loans in CA
250
of 253 applications
Denial rate
0.5%
Purchase · CA 8.9%
Rate spread
−0.11 pts
Conv. · CA +0.09 pts
Loan amount
$575,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 218 | 216 | 0.5% | 6.125% | −0.11 pts | $6,980 | $575,000 |
| Refinance | 9 | 9 | — | — | — | — | — |
| Cash-out refinance | 26 | 25 | 3.9% | — | +0.31 pts | $3,290 | $265,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Safe Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Placer County | 6 | 155 | 2.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology