Safe Federal Credit Union mortgage approval rate & lending review
Safe Federal Credit Union decided 2,137 mortgage applications and funded 1,352 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Safe Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Safe Federal Credit Union at a glance
Approval is 2.3 points above the 73.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 599 / 675 | 82% | $205K | 489 |
| Home improvement loans | 71% | 347 / 486 | 84% | $55K | 292 |
| Cash-out refinance | 71% | 590 / 832 | 85% | $75K | 501 |
| Refinance | 64% | 61 / 95 | 85% | $135K | 52 |
Safe Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| South Carolina | 76% | $75K | 2,137 | 1,352 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Safe Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sumter County, SC | Mortgage lenders | 89% | 275 | 209 |
| Sumter County, SC | Cash-out refinance | 74% | 305 | 187 |
| Lexington County, SC | Cash-out refinance | 76% | 263 | 170 |
| Sumter County, SC | Home improvement loans | 70% | 217 | 132 |
| Richland County, SC | Cash-out refinance | 63% | 172 | 93 |
| Lexington County, SC | Mortgage lenders | 89% | 129 | 92 |
| Richland County, SC | Mortgage lenders | 88% | 125 | 83 |
| Lexington County, SC | Home improvement loans | 74% | 115 | 76 |
| Florence County, SC | Mortgage lenders | 86% | 96 | 68 |
| Richland County, SC | Home improvement loans | 71% | 98 | 52 |
| Florence County, SC | Cash-out refinance | 59% | 56 | 31 |
| Sumter County, SC | Refinance | 71% | 35 | 21 |
The county markets where Safe Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Safe Federal Credit Union
What is Safe Federal Credit Union's mortgage approval rate?
Safe Federal Credit Union approved 75.9% of the 2,137 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.3 points above the 73.6% national rate for the same mix of loan types.
How often do borrowers take the loan Safe Federal Credit Union offers?
Borrowers accepted 83% of the loans Safe Federal Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Safe Federal Credit Union make?
The typical cash-out refinance loan Safe Federal Credit Union made was $75K; across all loan types its typical loan ran from $55K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Safe Federal Credit Union lend?
Safe Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in South Carolina.
Can I apply to Safe Federal Credit Union directly?
Yes. Safe Federal Credit Union is a bank or credit union with 40 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Safe Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Safe Federal Credit Union treats applications, then get a rate quote from the lender.