SAFE Credit Union in California vs the state
8.2%Denial rate-9.22 pts vs state
10.1%Decision denial rate-12.29 pts vs state
72.4%Origination rate+16.20 pts vs state
5.75%Median rate-0.88 pts vs state
-0.35Rate spread (pts)-0.62 pts vs state
$140kMedian applicant income
989Loans originated
112Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,750 | 1,117 | 9.8% | 7.34% | #89 |
| 2024 | 1,257 | 840 | 8.7% | 7.99% | #135 |
| 2025 | 1,366 | 989 | 8.2% | 5.75% | #138 |
What SAFE Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most SAFE Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sacramento County | 669 | 456 | 60 | 9.0% |
| Placer County | 461 | 363 | 32 | 6.9% |
| El Dorado County | 51 | 32 | 6 | 11.8% |
| San Joaquin County | 46 | 35 | 2 | 4.3% |
| Yolo County | 24 | 22 | 2 | 8.3% |
| Yuba County | 16 | 10 | 3 | 18.8% |
| Nevada County | 15 | 12 | 0 | 0.0% |
| Contra Costa County | 14 | 10 | 2 | 14.3% |
| Alameda County | 13 | 12 | 0 | 0.0% |
| Solano County | 8 | 7 | 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: 1,366 applications in 2025, of which 989 were originated and 112 denied.
8.2% of all applications, or 10.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans SAFE Credit Union originated in California in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are SAFE 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