The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, The Golden 1 Credit Union of Sacramento, CA reported 11,609 mortgage applications totaling $3.8 billion, up 40% from 2024. The average application was for $323,240, and applicants reported an average income of $191,860. 53% of its applications resulted in an originated loan and 33% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (4,766), Oakland-Hayward-Berkeley, CA (1,083) and Fresno, CA (895) (applications in parentheses).
| Mortgage Company & Address | The Golden 1 Credit Union 8945 Cal Center Dr Sacramento, CA 95826 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 11,609 |
| Total Mortgage Loan Application Amount | $3,752,495,000 |
| Average Mortgage Loan Application Amount | $323,240 |
| Highest Mortgage Loan Application Amount | $15,005,000 |
| Average Applicant Income | $191,860 |
| Highest Applicant Income | $8,532,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sacramento, California | 3,161 | $ 531,895,000 | $ 168,267 | $ 145,000 |
| Placer, California | 909 | $ 173,415,000 | $ 190,775 | $ 178,000 |
| Fresno, California | 696 | $ 101,230,000 | $ 145,445 | $ 139,000 |
| Alameda, California | 636 | $ 502,900,000 | $ 790,723 | $ 308,000 |
| Santa Clara, California | 609 | $ 579,255,000 | $ 951,157 | $ 361,000 |
| San Joaquin, California | 537 | $ 132,395,000 | $ 246,545 | $ 194,000 |
| Contra Costa, California | 447 | $ 314,805,000 | $ 704,261 | $ 305,000 |
| Los Angeles, California | 430 | $ 342,090,000 | $ 795,558 | $ 259,000 |
| El Dorado, California | 387 | $ 71,045,000 | $ 183,578 | $ 181,000 |
| Stanislaus, California | 366 | $ 53,510,000 | $ 146,202 | $ 142,000 |
| Yolo, California | 309 | $ 55,225,000 | $ 178,721 | $ 168,000 |
| Solano, California | 221 | $ 42,325,000 | $ 191,515 | $ 165,000 |
| San Luis Obispo, California | 210 | $ 41,450,000 | $ 197,380 | $ 172,000 |
| Madera, California | 199 | $ 26,845,000 | $ 134,899 | $ 111,000 |
| San Mateo, California | 152 | $ 116,070,000 | $ 763,618 | $ 315,000 |
| San Diego, California | 151 | $ 102,395,000 | $ 678,112 | $ 297,000 |
| Kern, California | 148 | $ 21,170,000 | $ 143,040 | $ 115,000 |
| Butte, California | 146 | $ 19,040,000 | $ 130,410 | $ 117,000 |
| San Bernardino, California | 143 | $ 39,685,000 | $ 277,517 | $ 172,000 |
| San Francisco, California | 137 | $ 75,205,000 | $ 548,941 | $ 307,000 |
| Riverside, California | 126 | $ 32,020,000 | $ 254,126 | $ 165,000 |
| Shasta, California | 120 | $ 14,600,000 | $ 121,666 | $ 122,000 |
| Santa Barbara, California | 116 | $ 55,780,000 | $ 480,862 | $ 201,000 |
| Orange, California | 113 | $ 54,365,000 | $ 481,106 | $ 267,000 |
| Monterey, California | 100 | $ 30,910,000 | $ 309,100 | $ 186,000 |
| Nevada, California | 99 | $ 17,365,000 | $ 175,404 | $ 238,000 |
| Yuba, California | 95 | $ 11,045,000 | $ 116,263 | $ 113,000 |
| Merced, California | 94 | $ 17,510,000 | $ 186,276 | $ 123,000 |
| Tulare, California | 90 | $ 9,780,000 | $ 108,666 | $ 129,000 |
| Sutter, California | 80 | $ 9,660,000 | $ 120,750 | $ 121,000 |
| Amador, California | 74 | $ 11,390,000 | $ 153,918 | $ 116,000 |
| Kings, California | 66 | $ 11,150,000 | $ 168,939 | $ 102,000 |
| Napa, California | 66 | $ 13,620,000 | $ 206,363 | $ 211,000 |
| Ventura, California | 47 | $ 14,275,000 | $ 303,723 | $ 183,000 |
| Santa Cruz, California | 44 | $ 31,710,000 | $ 720,681 | $ 354,000 |
| Sonoma, California | 43 | $ 14,665,000 | $ 341,046 | $ 218,000 |
| Marin, California | 40 | $ 28,830,000 | $ 720,750 | $ 445,000 |
| Calaveras, California | 35 | $ 4,085,000 | $ 116,714 | $ 158,000 |
| Tehama, California | 31 | $ 4,195,000 | $ 135,322 | $ 106,000 |
| Tuolumne, California | 21 | $ 3,425,000 | $ 163,095 | $ 137,000 |
| Lassen, California | 19 | $ 1,645,000 | $ 86,578 | $ 122,000 |
| San Benito, California | 16 | $ 4,650,000 | $ 290,625 | $ 161,000 |
| Plumas, California | 10 | $ 1,410,000 | $ 141,000 | $ 163,000 |
| Glenn, California | 9 | $ 945,000 | $ 105,000 | $ 75,000 |
| Imperial, California | 9 | $ 1,235,000 | $ 137,222 | $ 109,000 |
| Lake, California | 9 | $ 3,745,000 | $ 416,111 | $ 162,000 |
| Humboldt, California | 8 | $ 1,230,000 | $ 153,750 | $ 158,000 |
| Mariposa, California | 7 | $ 1,305,000 | $ 186,428 | $ 158,000 |
| Siskiyou, California | 7 | $ 355,000 | $ 50,714 | $ 38,000 |
| Trinity, California | 6 | $ 380,000 | $ 63,333 | $ 93,000 |
| Mendocino, California | 5 | $ 2,185,000 | $ 437,000 | $ 159,000 |
| Sierra, California | 4 | $ 340,000 | $ 85,000 | $ 106,000 |
| Colusa, California | 3 | $ 325,000 | $ 108,333 | $ 112,000 |
| Alpine, California | 1 | $ 105,000 | $ 105,000 | $ 160,000 |
| Del Norte, California | 1 | $ 105,000 | $ 105,000 | $ 145,000 |
| Inyo, California | 1 | $ 205,000 | $ 205,000 | $ 102,000 |
Mortgage Loan Application Detail Totals for The Golden 1 Credit Union in 2025
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 4,432 | $601,710,000 | $135,000 | $925,000 | $169,000 | $6,137,000 |
| Other Purpose | 2,229 | $270,865,000 | $121,000 | $4,005,000 | $160,000 | $8,532,000 |
| Cash-out Refinancing | 2,184 | $601,090,000 | $275,000 | $9,575,000 | $169,000 | $3,540,000 |
| Home Purchase | 1,784 | $1,310,110,000 | $734,000 | $5,405,000 | $251,000 | $2,410,000 |
| Refinancing | 980 | $968,720,000 | $988,000 | $15,005,000 | $311,000 | $5,753,000 |
| Not Applicable | 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 | 4,470 | $1,030,010,000 | $230,000 | $3,025,000 | $183,000 | $5,753,000 |
| Hispanic | 2,201 | $367,545,000 | $166,000 | $4,005,000 | $138,000 | $3,362,000 |
| Not Provided | 2,134 | $658,700,000 | $308,000 | $3,155,000 | $200,000 | $8,532,000 |
| Asian | 2,094 | $1,265,660,000 | $604,000 | $4,005,000 | $268,000 | $2,449,000 |
| Black or African American | 430 | $69,490,000 | $161,000 | $2,215,000 | $148,000 | $2,376,000 |
| Not applicable | 121 | $327,405,000 | $2,705,000 | $15,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 94 | $20,390,000 | $216,000 | $1,985,000 | $179,000 | $807,000 |
| Native Hawaiian or Other Pacific Islander | 65 | $13,295,000 | $204,000 | $1,485,000 | $142,000 | $895,000 |
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) | 11,463 | $3,691,815,000 | $322,000 | $15,005,000 | $192,000 | $8,532,000 |
| FHA-insured (Federal Housing Administration) | 146 | $60,680,000 | $415,000 | $1,235,000 | $117,000 | $321,000 |
| 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 | 6,107 | $2,303,965,000 | $377,000 | $15,005,000 | $200,000 | $2,969,000 |
| Application Denied By Financial Institution | 3,858 | $771,630,000 | $200,000 | $6,475,000 | $165,000 | $8,532,000 |
| Application Withdrawn By Applicant | 1,318 | $584,420,000 | $443,000 | $5,705,000 | $224,000 | $8,532,000 |
| Application Approved But Not Accepted | 260 | $56,910,000 | $218,000 | $2,405,000 | $178,000 | $2,376,000 |
| File Closed For Incompleteness | 66 | $35,570,000 | $538,000 | $1,955,000 | $295,000 | $6,137,000 |
| 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 | 7,751 | $2,980,865,000 | $384,000 | $15,005,000 | $204,000 | $8,532,000 |
| Debt-To-Income Ratio | 1,509 | $299,995,000 | $198,000 | $3,025,000 | $109,000 | $671,000 |
| Credit History | 692 | $91,740,000 | $132,000 | $1,485,000 | $196,000 | $8,532,000 |
| Unverifiable Information | 663 | $134,215,000 | $202,000 | $1,975,000 | $193,000 | $2,060,000 |
| Collateral | 648 | $143,230,000 | $221,000 | $4,005,000 | $217,000 | $3,775,000 |
| Other | 285 | $78,165,000 | $274,000 | $6,475,000 | $201,000 | $1,476,000 |
| Employment History | 39 | $6,905,000 | $177,000 | $985,000 | $155,000 | $560,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 21 | $15,555,000 | $740,000 | $1,965,000 | $256,000 | $691,000 |
| Mortgage Insurance Denied | 1 | $1,825,000 | $1,825,000 | $1,825,000 | $604,000 | $604,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Golden 1 Credit Union's 2025 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 The Golden 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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