Applications / Mortgage Analytics / Lenders / California / SAFE Credit Union
Folsom, CA · Credit union · NCUA · $4.4 billion assets · 989 loans in 2025
SAFE Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
989
loans originated, 2025
1,366
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SAFE Credit Union, a California credit union whose largest line is now home improvement, grew its loans 18% in 2025, though volume remains well below the 2,260 loans of five years before.
Home improvement was 43.0% of its loans, purchases 25.6%, refinances 16.7% and other purposes 14.8%. Its typical loan fell to $105,000 from $155,000 a year before and $315,000 five years before, in line with that mix. Originations rose 18% to 989, against 8% at similar lenders (credit unions making between half and twice as many loans), higher than about two-thirds of them.
Jumbo loans (larger than the conforming limit) were 14.5% of its lending, against 1.0% at similar lenders, higher than more than nine in ten of them. Its dollar total, $246.4 million, was larger than at about three-quarters of them, though below $276.4 million a year before.
It ranked 20 of 574 in Sacramento-Roseville-Folsom, with 0.9% against 1.0%, and its Stockton-Lodi share fell to 0.5% from 0.9%. Smaller loans weigh less in shares measured in dollars, a possible reason; in Yuba City its share rose to 0.6%.
Its typical rate, 5.75%, was lower than at more than nine in ten similar lenders. Majority-minority areas took 25.6% of its loans, against 10.5%. LMI (low- and moderate-income) borrowers took 20.3%, against 27.8%; its jumbo lending is a possible reason.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. SAFE Credit Union took 1,366 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 43.0% · Purchase 25.6% · Refinance 16.7% · Other 14.8%
Conventional 100.0% · of 989 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 989 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sacramento-Roseville-Folsom | 873 |
| Stockton-Lodi | 35 |
| Oakland-Fremont-Berkeley | 22 |
| Yuba City | 15 |
| Vallejo | 7 |
| Riverside-San Bernardino-Ontario | 5 |
| Chico | 2 |
| Modesto | 2 |
| San Diego-Chula Vista-Carlsbad | 2 |
| San Jose-Sunnyvale-Santa Clara | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SGD2RNJOEDDS24 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 324779 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568366 | 1999–2017 |
Established 1 January 1940. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: SAFE Credit Union's data.
SAFE Credit Union's data
$215
SAFE Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy SAFE Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]