Applications / Mortgage Analytics / Lenders / South Carolina / SAFE Federal Credit Union
Sumter, SC · Credit union · NCUA · $1.9 billion assets · 620 loans in 2025
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620
loans originated, 2025
963
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SAFE Federal Credit Union is a South Carolina credit union that ranks third in the Sumter market and more than doubled its originations between 2018 and 2023.
It ranked 3 of 193 lenders in Sumter, with 5.1% of the market, down from 6.5%; in Columbia its share rose to 1.0% from 0.8%, ranking 33 of 515. In Florence its share fell to 1.5% from 2.2%. Fewer loans in 2025 or growth by competitors are possible reasons for the falls.
Originations rose from 294 in 2018 to 701 in 2023, then fell to 620 in 2025, a fall of 9%, while similar lenders (credit unions making between half and twice as many loans) rose 6% and the whole market 10%. Dollar volume still rose, to $114.2 million from $104.9 million, as its typical loan grew to $145,000 from $115,000.
Refinances were 41.8% of its loans and home-improvement loans 17.4%. 32.1% of its loans were in majority-minority neighbourhoods, against 11.0% at similar lenders, and 17.3% in low- and moderate-income (LMI) neighbourhoods, against 15.1%; its share to LMI borrowers, 27.1%, was near the middle. Manufactured homes were 4.8% of its loans, against 0.3%. Its typical rate, 6.50%, was lower than similar lenders' 7.00%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Federal Credit Union took 963 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 41.8% · Purchase 28.1% · Home improvement 17.4% · Other 12.7%
Conventional 100.0% · of 620 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 |
|---|---|---|
| South Carolina | 620 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbia | 292 |
| Sumter | 167 |
| Florence | 50 |
| Charleston-North Charleston | 8 |
| Myrtle Beach-Conway-North Myrtle Beach | 8 |
| Augusta-Richmond County | 6 |
| Charlotte-Concord-Gastonia | 5 |
| Greenville-Anderson-Greer | 5 |
| Spartanburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BLQQL5GPC6OJ66 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 67889 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59988 | 1991–2017 |
Established 1 January 1955. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: SAFE Federal Credit Union's data.
SAFE Federal Credit Union's data
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SAFE Federal 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.
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