Lender profile
Safe 1
Lender Live rate observations
Safe 1 at a glance
Safe 1 is a lender based in California. LoanMate.ai tracks 14 published loan products from Safe 1 (16 rate listings), last verified 2026-10-17. Its lowest published rate today is 4.99% on New auto loan. Its 30-year fixed rate of 6% is 1 points below the national median of 7% (across 233 lenders publishing that product). Safe 1 lends in California only.
Purchase mortgage (3)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 15FP | 5.50 | 5.640 | — | $695.00 origination processing fee | 2026-10-17 | Lender source ↗ |
| 20FP | 5.75 | 5.862 | — | $695.00 origination processing fee | 2026-10-17 | Lender source ↗ |
| 30FP | 6.00 | 6.085 | — | $695.00 origination processing fee | 2026-10-17 | Lender source ↗ |
HELOC (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC | 6.50 | 6.50 | — | $0 | 2026-10-17 | Lender source ↗ |
Home equity loan (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-20yr | 6.75 | 6.75 | — | $0 | 2026-10-17 | Lender source ↗ |
Auto loan (6)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW | — | 4.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW | — | 5.24 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 5.24 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 5.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-84 | — | 5.74 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-84 | — | 6.24 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (5)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC-12 | — | 7.90 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-24 | — | 8.90 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-36 | — | 9.90 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-48 | — | 10.90 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-60 | — | 11.90 | — | — | 2026-10-17 | Lender source ↗ |
How Safe 1 compares
- #1 nationally for 15-year fixed — 5.5% (of 210 lenders publishing it)
- #2 nationally for 20-year fixed — 5.75% (of 104 lenders publishing it)
Compare all purchase mortgage rates · Compare all heloc rates · Compare all home equity loan rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in California
Compare with: 1St Northern California, 1St United, Aerospace, Altura
Common questions
What is the lowest published rate at Safe 1?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Safe 1 is 4.99% on its New auto loan. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Safe 1 lend?
Safe 1 lends in California only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Safe 1's 30-year fixed rate compare nationally?
Safe 1 publishes 30-year fixed at 6%. The national median for that product is 7% across 233 lenders in LoanMate.ai's October 17, 2026 dataset, so Safe 1 is 1 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.