What loan types does Safe Federal Credit Union offer?

Safe Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Safe Federal Credit Union offer mortgages?

Safe Federal Credit Union offers mortgages in 1 states: SC.

How competitive are Safe Federal Credit Union's mortgage rates?

Safe Federal Credit Union has an overall pricing score of 93.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Safe Federal Credit Union?

Safe Federal Credit Union is a Credit Union headquartered in Sumter, SC.

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Safe Federal Credit Union

Credit Union•Sumter, SCHQ•Direct•Reviews near you on Google

Safe Federal Credit Union has 315 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional

Place

Exceptional

5/5

Single State · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 9.40 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Safe Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 9.4 bps below market avg

5/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

315 loans · 0.09% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

214 loans · 0.15% below market

Strong

Top 40% of lenders

4/5

Refinance

101 loans · 0.00% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Single State · 4 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Exceptional	Strong	315	100.0%	-0.094%Below	$574Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume315

Mix100.0%

Spread

-0.094%Below

Fees

$574Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Exceptional	Strong	214	67.9%	-0.149%Below	$616Fees
Refinance	Strong	Strong	Exceptional	Strong	101	32.1%	+0.000%Above	$500Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume214

Mix67.9%

Spread

-0.149%Below

Fees

$616Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume101

Mix32.1%

Spread

+0.000%Above

Fees

$500Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

315

Applications

540

Volume

$68 million

Pricing & Closing

Avg Rate Spread

-0.094%

vs. market APOR

Avg Net Fees

$574

Origination − Credits

Pullthrough Rate

58.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$217,857

Avg Borrower Income

$100,540

Avg Property Value

$299,904

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

South1

Top Metro Areas by Place Specialization Score

Sumter, SCMetro

Volume 106Mix 33.65% of portfolio

100/100

Exceptional

Columbia, SCMetro

Volume 119Mix 37.78% of portfolio

82/100

Exceptional

Florence, SCMetro

Volume 46Mix 14.60% of portfolio

81/100

Exceptional

Top States by Place Specialization Score

South CarolinaState

Volume 315Mix 100.00% of portfolio

84/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.