Applications / Mortgage Analytics / Lenders / California / Safe 1 Credit Union
Bakersfield, CA · Credit union · NCUA · $1.1 billion assets · 343 loans in 2025
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343
loans originated, 2025
391
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Safe 1 Credit Union hardly makes mortgages in the usual sense: 86.9% of its loans are for other purposes, and it made 8% more of them in 2025 than in 2024.
Refinances made up 9.3% of its loans and purchases only 3.8%. Its typical loan was $75,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), among the lowest tenth of them. So although it makes about as many loans as its peers, it lends less money: $35.6 million in 2025. Its yearly count has risen from 199 in 2018, with a peak of 413 in 2023.
In Bakersfield-Delano, CA, where it has lent since at least 1990, it ranked 26 of 407 lenders with 0.7% of the market, up 0.2 points. In Visalia, CA it ranked 56 of 281, up 0.1 points to 0.3%. United Wholesale Mortgage leads in Bakersfield-Delano, CA and Golden Empire Mortgage in Visalia, CA.
Majority-minority neighborhoods took 60.4% of its loans, against 12.3% at similar lenders, more than about nine in ten of them. Its share in low- and moderate-income (LMI) areas, 13.7%, was close to the peers' 15.7%.
Its typical rate was 7.50%, against 6.99% at peers, higher than about seven in ten of them. Other-purpose loans make up nearly all its lending, and that is one ordinary reason for the gap.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Safe 1 Credit Union took 391 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 86.9% · Refinance 9.3% · Purchase 3.8%
Conventional 100.0% · of 343 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 343 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bakersfield-Delano | 289 |
| Visalia | 52 |
| Fresno | 1 |
| Hanford-Corcoran | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YHKDUKPJGRPK46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 30098 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561598 | 1992–2017 |
Established 1 January 1952. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Safe 1 Credit Union's data.
Safe 1 Credit Union's data
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Safe 1 Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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