Safe 1 Credit Union Mortgage Lending & HMDA Data, 2017
In 2017, Safe 1 Credit Union of Bakersfield, CA reported 203 mortgage applications totaling $21.5 million, up 60% from 2016. The average application was for $106,118, and applicants reported an average income of $92,635. 86% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Bakersfield, CA (161), Visalia-Porterville, CA (40) 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 | 203 |
| Total Mortgage Loan Application Amount | $21,542,000 |
| Average Mortgage Loan Application Amount | $106,118 |
| Highest Mortgage Loan Application Amount | $472,000 |
| Average Applicant Income | $92,635 |
| Highest Applicant Income | $409,000 |
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Act (HMDA) records Safe 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 | 185 | $16,989,000 | $91,000 | $420,000 | $89,000 | $279,000 |
| Home Purchase | 18 | $4,553,000 | $252,000 | $472,000 | $130,000 | $409,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 90 | $10,607,000 | $117,000 | $472,000 | $101,000 | $409,000 |
| Hispanic | 62 | $7,363,000 | $118,000 | $312,000 | $74,000 | $226,000 |
| Not Provided | 41 | $2,827,000 | $68,000 | $400,000 | $103,000 | $240,000 |
| Asian | 5 | $624,000 | $124,000 | $280,000 | $82,000 | $179,000 |
| Black or African American | 3 | $96,000 | $32,000 | $45,000 | $141,000 | $218,000 |
| American Indian or Alaskan Native | 2 | $25,000 | $12,000 | $15,000 | $55,000 | $78,000 |
| 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) | 203 | $21,542,000 | $106,000 | $472,000 | $93,000 | $409,000 |
| 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 | 174 | $19,003,000 | $109,000 | $472,000 | $97,000 | $409,000 |
| Application Denied By Financial Institution | 19 | $1,734,000 | $91,000 | $280,000 | $74,000 | $169,000 |
| Application Withdrawn By Applicant | 10 | $805,000 | $80,000 | $160,000 | $56,000 | $167,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 13 | $1,473,000 | $113,000 | $280,000 | $83,000 | $169,000 |
| Credit History | 4 | $182,000 | $45,000 | $70,000 | $53,000 | $61,000 |
| Debt-To-Income Ratio | 2 | $79,000 | $39,000 | $45,000 | $54,000 | $61,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2017 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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with aggregated HMDA statistics today.
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