SAFE FEDERAL CREDIT UNION
SAFE FEDERAL CREDIT UNION received 963 applications in 2025 and made 620 mortgages, in 31 counties across 1 state. The median rate its borrowers got was 6.500% on a median loan of $145,000. Of 916 decisions, 195 were denials — 21.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300BLQQL5GPC6OJ66 |
|---|---|
| Applications received | 963 |
| Mortgages made | 620 |
| Denied | 195 |
| Approved, not taken up | 101 |
| Withdrawn or incomplete | 47 |
| Loans bought from other lenders | 20 |
| Median rate spread over the prime offer rate | 0.4215 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 174 | 6.375% | $215,000 | 7.9% |
| Refinancing | 17 | 6.000% | $225,000 | 48.7% |
| Cash-out refinancing | 242 | 6.625% | $95,000 | 28.0% |
| Other purposes | 187 | 6.750% | $145,000 | 19.8% |
Where SAFE FEDERAL CREDIT UNION lends most
The 31 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sumter County, SC | 167 | 6.500% | 21.1% |
| Lexington County, SC | 142 | 6.500% | 16.0% |
| Richland County, SC | 87 | 6.375% | 22.6% |
| Kershaw County, SC | 53 | 6.625% | 23.5% |
| Florence County, SC | 37 | 6.375% | 23.2% |
| Clarendon County, SC | 31 | 6.750% | 26.5% |
| Lee County, SC | 16 | 6.375% | 26.1% |
| Darlington County, SC | 13 | 6.625% | 22.2% |
| Chesterfield County, SC | 9 | Under 10 loans | 10.0% |
| Horry County, SC | 8 | Under 10 loans | 18.2% |
| Aiken County, SC | 6 | Under 10 loans | 33.3% |
| Dillon County, SC | 6 | Under 10 loans | 14.3% |
| Fairfield County, SC | 6 | Under 10 loans | 0.0% |
| Newberry County, SC | 6 | Under 10 loans | 25.0% |
| Greenville County, SC | 5 | Under 10 loans | 25.0% |
| Orangeburg County, SC | 5 | Under 10 loans | 12.5% |
| Calhoun County, SC | 4 | Under 10 loans | 33.3% |
| York County, SC | 4 | Under 10 loans | 33.3% |
| Charleston County, SC | 3 | Under 10 loans | 20.0% |
| Dorchester County, SC | 3 | Under 10 loans | 0.0% |
| Berkeley County, SC | 2 | Under 10 loans | 60.0% |
| Marlboro County, SC | 2 | Under 10 loans | 16.7% |
| Abbeville County, SC | 1 | Under 10 loans | 0.0% |
| Lancaster County, SC | 1 | Under 10 loans | 0.0% |
| Marion County, SC | 1 | Under 10 loans | 42.9% |
| Spartanburg County, SC | 1 | Under 10 loans | 33.3% |
| Williamsburg County, SC | 1 | Under 10 loans | 0.0% |
| Georgetown County, SC | 0 | Under 10 loans | 100.0% |
| Greenwood County, SC | 0 | Under 10 loans | 33.3% |
| Hampton County, SC | 0 | Under 10 loans | 0.0% |
| Saluda County, SC | 0 | Under 10 loans | 50.0% |
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When SAFE FEDERAL CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.