Safe 1 Credit Union Mortgage Lending & HMDA Data, 2003
In 2003, Safe 1 Credit Union of Bakersfield, CA reported 169 mortgage applications totaling $17.9 million. The average application was for $105,923, and applicants reported an average income of $68,964. 76% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Bakersfield, CA (150) and Visalia-Tulare-Porterville, CA (19).
| 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 | 169 |
| Total Mortgage Loan Application Amount | $17,901,000 |
| Average Mortgage Loan Application Amount | $105,923 |
| Highest Mortgage Loan Application Amount | $252,000 |
| Average Applicant Income | $68,964 |
| Highest Applicant Income | $154,000 |
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Act (HMDA) records Safe 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 142 | $15,825,000 | $111,000 | $252,000 | $66,000 | $149,000 |
| Home Improvement (one-to-four family) | 20 | $1,291,000 | $64,000 | $174,000 | $90,000 | $154,000 |
| Home Purchase (one-to-four family) | 7 | $785,000 | $112,000 | $160,000 | $69,000 | $149,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 |
|---|---|---|---|---|---|---|
| White | 85 | $9,886,000 | $116,000 | $252,000 | $68,000 | $145,000 |
| Hispanic | 32 | $3,248,000 | $101,000 | $201,000 | $62,000 | $139,000 |
| Information not provided by applicant in mail or telephone application | 24 | $1,820,000 | $75,000 | $172,000 | $91,000 | $154,000 |
| Black | 20 | $2,106,000 | $105,000 | $212,000 | $66,000 | $123,000 |
| Asian or Pacific Islander | 5 | $665,000 | $133,000 | $204,000 | $77,000 | $119,000 |
| Other | 3 | $176,000 | $58,000 | $95,000 | $70,000 | $100,000 |
| American Indian or Alaskan Native | 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) | 167 | $17,633,000 | $105,000 | $252,000 | $69,000 | $154,000 |
| FHA-insured (Federal Housing Administration) | 2 | $268,000 | $134,000 | $173,000 | $68,000 | $77,000 |
| 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 | 128 | $13,324,000 | $104,000 | $252,000 | $77,000 | $154,000 |
| Application Denied By Financial Institution | 27 | $2,913,000 | $107,000 | $212,000 | $54,000 | $97,000 |
| Application Withdrawn By Applicant | 13 | $1,497,000 | $115,000 | $194,000 | $70,000 | $121,000 |
| Application Approved But Not Accepted | 1 | $167,000 | $167,000 | $167,000 | $53,000 | $53,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 22 | $2,483,000 | $112,000 | $212,000 | $55,000 | $97,000 |
| Employment History | 2 | $149,000 | $74,000 | $99,000 | $49,000 | $50,000 |
| Debt-To-Income Ratio | 1 | $91,000 | $91,000 | $91,000 | $25,000 | $25,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Safe 1 Credit Union's 2003 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.
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