Safe 1 Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, Safe 1 Credit Union of Bakersfield, CA reported 244 mortgage applications totaling $20.7 million, down 2% from 2018. The average application was for $84,836, and applicants reported an average income of $104,639. 81% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Bakersfield, CA (196), Visalia-Porterville, CA (45) and Fresno, CA (3) (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 | 244 |
| Total Mortgage Loan Application Amount | $20,700,000 |
| Average Mortgage Loan Application Amount | $84,836 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $104,639 |
| Highest Applicant Income | $556,000 |
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Act (HMDA) records Safe 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 220 | $16,720,000 | $76,000 | $405,000 | $107,000 | $556,000 |
| Home Purchase | 12 | $2,390,000 | $199,000 | $365,000 | $89,000 | $237,000 |
| Refinancing | 12 | $1,590,000 | $132,000 | $255,000 | $77,000 | $106,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| White | 108 | $9,490,000 | $87,000 | $405,000 | $118,000 | $556,000 |
| Hispanic | 64 | $7,090,000 | $110,000 | $325,000 | $81,000 | $286,000 |
| Not Provided | 51 | $2,615,000 | $51,000 | $305,000 | $115,000 | $264,000 |
| Asian | 11 | $1,055,000 | $95,000 | $225,000 | $79,000 | $154,000 |
| Black or African American | 7 | $335,000 | $47,000 | $165,000 | $88,000 | $143,000 |
| American Indian or Alaskan Native | 3 | $115,000 | $38,000 | $45,000 | $89,000 | $149,000 |
| 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) | 244 | $20,700,000 | $84,000 | $405,000 | $105,000 | $556,000 |
| 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 | 198 | $17,030,000 | $86,000 | $405,000 | $109,000 | $556,000 |
| Application Denied By Financial Institution | 35 | $2,775,000 | $79,000 | $275,000 | $75,000 | $228,000 |
| Application Withdrawn By Applicant | 7 | $545,000 | $77,000 | $155,000 | $92,000 | $209,000 |
| File Closed For Incompleteness | 4 | $350,000 | $87,000 | $255,000 | $163,000 | $238,000 |
| 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 | 209 | $17,925,000 | $85,000 | $405,000 | $110,000 | $556,000 |
| Credit Application Incomplete | 21 | $1,935,000 | $92,000 | $275,000 | $81,000 | $228,000 |
| Other | 8 | $380,000 | $47,000 | $125,000 | $67,000 | $149,000 |
| Debt-To-Income Ratio | 3 | $85,000 | $28,000 | $35,000 | $56,000 | $63,000 |
| Collateral | 2 | $280,000 | $140,000 | $155,000 | $94,000 | $145,000 |
| Credit History | 1 | $95,000 | $95,000 | $95,000 | $28,000 | $28,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Safe 1 Credit Union's 2019 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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