Applications / Mortgage Analytics / Lenders / California / Strata Credit Union
Bakersfield, CA · Credit union · NCUA · $336 million assets · 167 loans in 2025
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167
loans originated, 2025
283
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Strata Credit Union, of Bakersfield, California, makes mostly small home-improvement and other-purpose loans, and most of them go to majority-minority neighborhoods.
Fewer than a quarter of its loans were for buying or refinancing a home. Other-purpose loans made up 47.3% and home-improvement loans 30.5%. Its typical loan, $75,000, was smaller than at four in five similar lenders, meaning credit unions making between half and twice as many loans.
It has lent in Bakersfield-Delano since 1990 and ranks 40 of 407 there; its share rose from 0.4% to 0.5%. Its loans rose 14%, from 147 to 167, ahead of its peers' 7%. Nearly three in four of its loans, 71.9%, were in majority-minority neighborhoods, against 10.4% at peers, which may reflect the makeup of its home market. Its share in low- and moderate-income tracts, 21.9%, is also above the peers' 17.2%.
Its typical rate, 7.50%, was above the peers' 6.75%, and 6.0% of its loans were higher-priced (a rate well above the average for similar loans), against 2.4% at peers. Its lending is mostly home-improvement and other-purpose loans, which may carry higher rates than first mortgages for buying a home; that mix could account for most of the difference.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Strata Credit Union took 283 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 47.3% · Home improvement 30.5% · Purchase 13.8% · Refinance 8.4%
Conventional 100.0% · of 167 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 | 167 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bakersfield-Delano | 163 |
| Visalia | 2 |
| Fresno | 1 |
| Los Angeles-Long Beach-Glendale | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NXYX3K4WQSGJ17 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 237776 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56032 | 1990–2017 |
Established 1 January 1949. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Strata Credit Union's data.
Strata Credit Union's data
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Strata 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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