Lender profile · HMDA 2023–2025
Safe mortgage approval rates & lending data
Safe decided 2,697 mortgage applications and funded 2,424 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 1,030 / 1,053 | 99% | $585K | 1,017 |
| Home improvement loans | 85% | 1,051 / 1,231 | 99% | $65K | 1,040 |
| Cash-out refinance | 91% | 270 / 297 | 99% | $115K | 268 |
| Refinance | 91% | 39 / 43 | 100% | $225K | 39 |
| Investment property purchase | 92% | 44 / 48 | 100% | $445K | 44 |
Safe lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 91% | $115K | 2,697 | 2,424 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.