Safe 1 Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Safe 1 Credit Union of Bakersfield, CA reported 391 mortgage applications totaling $40.2 million, up 5% from 2024. The average application was for $102,774, and applicants reported an average income of $123,457. 88% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Bakersfield, CA (328), Visalia-Porterville, CA (61) and Fresno, CA (1) (applications in parentheses).
| Mortgage Company & Address | Safe 1 Credit Union 1400 Mill Rock Way Bakersfield, CA 93311 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 391 |
| Total Mortgage Loan Application Amount | $40,185,000 |
| Average Mortgage Loan Application Amount | $102,774 |
| Highest Mortgage Loan Application Amount | $885,000 |
| Average Applicant Income | $123,457 |
| Highest Applicant Income | $623,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Safe 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Safe 1 Credit Union in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Other Purpose | 342 | $25,990,000 | $75,000 | $205,000 | $120,000 | $502,000 |
| Cash-out Refinancing | 26 | $6,190,000 | $238,000 | $655,000 | $121,000 | $547,000 |
| Home Purchase | 14 | $4,750,000 | $339,000 | $585,000 | $162,000 | $376,000 |
| Refinancing | 9 | $3,255,000 | $361,000 | $885,000 | $202,000 | $623,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 199 | $19,635,000 | $98,000 | $655,000 | $112,000 | $547,000 |
| White | 117 | $12,355,000 | $105,000 | $615,000 | $131,000 | $465,000 |
| Not Provided | 36 | $4,570,000 | $126,000 | $885,000 | $171,000 | $623,000 |
| Asian | 28 | $2,340,000 | $83,000 | $205,000 | $108,000 | $225,000 |
| Black or African American | 6 | $600,000 | $100,000 | $295,000 | $97,000 | $172,000 |
| American Indian or Alaskan Native | 5 | $685,000 | $137,000 | $425,000 | $191,000 | $333,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 391 | $40,185,000 | $102,000 | $885,000 | $124,000 | $623,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 343 | $35,645,000 | $103,000 | $885,000 | $126,000 | $623,000 |
| Application Denied By Financial Institution | 48 | $4,540,000 | $94,000 | $495,000 | $108,000 | $368,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 343 | $35,645,000 | $103,000 | $885,000 | $126,000 | $623,000 |
| Other | 21 | $1,875,000 | $89,000 | $375,000 | $113,000 | $368,000 |
| Credit Application Incomplete | 17 | $2,065,000 | $121,000 | $495,000 | $115,000 | $282,000 |
| Debt-To-Income Ratio | 9 | $525,000 | $58,000 | $105,000 | $85,000 | $240,000 |
| Credit History | 1 | $75,000 | $75,000 | $75,000 | $100,000 | $100,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Safe 1 Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Safe 1 Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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