Safe 1 Credit Union in California vs the state
12.3%Denial rate-5.14 pts vs state
12.3%Decision denial rate-10.12 pts vs state
87.7%Origination rate+31.52 pts vs state
7.50%Median rate+0.88 pts vs state
—Rate spread (pts)
$110kMedian applicant income
343Loans originated
48Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 468 | 413 | 11.8% | 7.25% | #233 |
| 2024 | 374 | 318 | 15.0% | 8.25% | #279 |
| 2025 | 391 | 343 | 12.3% | 7.50% | #290 |
What Safe 1 Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Safe 1 Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kern County | 328 | 289 | 39 | 11.9% |
| Tulare County | 61 | 52 | 9 | 14.8% |
| Kings County | 1 | 1 | 0 | 0.0% |
| Fresno County | 1 | 1 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 391 applications in 2025, of which 343 were originated and 48 denied.
12.3% of all applications, or 12.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Safe 1 Credit Union originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Safe 1 Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology