The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2017
In 2017, The Golden 1 Credit Union of Sacramento, CA reported 5,572 mortgage applications totaling $1.3 billion. The average application was for $225,562, and applicants reported an average income of $111,264. 54% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (3,018), Fresno, CA (312) and Stockton-Lodi, CA (268) (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 | 5,572 |
| Total Mortgage Loan Application Amount | $1,256,837,000 |
| Average Mortgage Loan Application Amount | $225,562 |
| Highest Mortgage Loan Application Amount | $1,523,000 |
| Average Applicant Income | $111,264 |
| Highest Applicant Income | $2,826,000 |
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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,137 | $ 417,350,000 | $ 195,297 | $ 101,000 |
| Placer, California | 440 | $ 98,950,000 | $ 224,886 | $ 127,000 |
| Fresno, California | 312 | $ 48,147,000 | $ 154,317 | $ 85,000 |
| San Joaquin, California | 268 | $ 51,377,000 | $ 191,705 | $ 100,000 |
| El Dorado, California | 235 | $ 53,615,000 | $ 228,148 | $ 123,000 |
| Yolo, California | 206 | $ 45,490,000 | $ 220,825 | $ 120,000 |
| Stanislaus, California | 193 | $ 30,607,000 | $ 158,585 | $ 89,000 |
| Solano, California | 171 | $ 36,727,000 | $ 214,777 | $ 107,000 |
| Madera, California | 156 | $ 23,473,000 | $ 150,467 | $ 76,000 |
| Los Angeles, California | 119 | $ 55,033,000 | $ 462,462 | $ 156,000 |
| Santa Clara, California | 99 | $ 59,268,000 | $ 598,666 | $ 202,000 |
| San Luis Obispo, California | 93 | $ 23,732,000 | $ 255,182 | $ 144,000 |
| Alameda, California | 92 | $ 35,561,000 | $ 386,532 | $ 144,000 |
| Contra Costa, California | 87 | $ 30,115,000 | $ 346,149 | $ 144,000 |
| Riverside, California | 72 | $ 19,911,000 | $ 276,541 | $ 134,000 |
| Butte, California | 56 | $ 8,664,000 | $ 154,714 | $ 79,000 |
| Orange, California | 54 | $ 32,753,000 | $ 606,537 | $ 262,000 |
| Amador, California | 50 | $ 8,560,000 | $ 171,200 | $ 93,000 |
| San Bernardino, California | 50 | $ 11,320,000 | $ 226,400 | $ 99,000 |
| Nevada, California | 47 | $ 11,974,000 | $ 254,765 | $ 155,000 |
| Shasta, California | 43 | $ 7,119,000 | $ 165,558 | $ 103,000 |
| Merced, California | 42 | $ 7,148,000 | $ 170,190 | $ 88,000 |
| Monterey, California | 41 | $ 9,669,000 | $ 235,829 | $ 94,000 |
| San Francisco, California | 37 | $ 16,365,000 | $ 442,297 | $ 135,000 |
| Sutter, California | 37 | $ 6,844,000 | $ 184,972 | $ 97,000 |
| Yuba, California | 34 | $ 6,387,000 | $ 187,852 | $ 80,000 |
| Kern, California | 32 | $ 4,549,000 | $ 142,156 | $ 102,000 |
| Tulare, California | 31 | $ 5,103,000 | $ 164,612 | $ 97,000 |
| Lassen, California | 29 | $ 3,889,000 | $ 134,103 | $ 85,000 |
| San Mateo, California | 29 | $ 13,671,000 | $ 471,413 | $ 161,000 |
| Calaveras, California | 26 | $ 4,684,000 | $ 180,153 | $ 112,000 |
| San Diego, California | 26 | $ 11,532,000 | $ 443,538 | $ 151,000 |
| Napa, California | 24 | $ 7,151,000 | $ 297,958 | $ 123,000 |
| Santa Barbara, California | 24 | $ 6,591,000 | $ 274,625 | $ 124,000 |
| Kings, California | 20 | $ 3,034,000 | $ 151,700 | $ 80,000 |
| Marin, California | 17 | $ 9,381,000 | $ 551,823 | $ 199,000 |
| Tuolumne, California | 17 | $ 2,501,000 | $ 147,117 | $ 97,000 |
| Tehama, California | 13 | $ 1,925,000 | $ 148,076 | $ 85,000 |
| Plumas, California | 12 | $ 2,055,000 | $ 171,250 | $ 142,000 |
| Sonoma, California | 12 | $ 3,279,000 | $ 273,250 | $ 133,000 |
| San Benito, California | 11 | $ 4,436,000 | $ 403,272 | $ 124,000 |
| Ventura, California | 10 | $ 2,821,000 | $ 282,100 | $ 110,000 |
| Humboldt, California | 8 | $ 1,762,000 | $ 220,250 | $ 77,000 |
| Imperial, California | 7 | $ 839,000 | $ 119,857 | $ 93,000 |
| Mono, California | 7 | $ 3,704,000 | $ 529,142 | $ 171,000 |
| Colusa, California | 6 | $ 503,000 | $ 83,833 | $ 196,000 |
| Del Norte, California | 6 | $ 757,000 | $ 126,166 | $ 88,000 |
| Glenn, California | 6 | $ 551,000 | $ 91,833 | $ 59,000 |
| Santa Cruz, California | 6 | $ 2,025,000 | $ 337,500 | $ 138,000 |
| Mariposa, California | 5 | $ 840,000 | $ 168,000 | $ 66,000 |
| Mendocino, California | 5 | $ 977,000 | $ 195,400 | $ 127,000 |
| Lake, California | 4 | $ 815,000 | $ 203,750 | $ 117,000 |
| Sierra, California | 3 | $ 365,000 | $ 121,666 | $ 72,000 |
| Siskiyou, California | 3 | $ 654,000 | $ 218,000 | $ 123,000 |
| Alpine, California | 1 | $ 60,000 | $ 60,000 | $ 230,000 |
| Trinity, California | 1 | $ 224,000 | $ 224,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for The Golden 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 | 2,528 | $520,729,000 | $205,000 | $1,500,000 | $103,000 | $872,000 |
| Home Improvement | 1,666 | $241,099,000 | $144,000 | $1,370,000 | $105,000 | $2,826,000 |
| Home Purchase | 1,378 | $495,009,000 | $359,000 | $1,523,000 | $134,000 | $1,332,000 |
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 | 2,130 | $494,859,000 | $232,000 | $1,523,000 | $117,000 | $2,826,000 |
| Not Provided | 1,876 | $410,007,000 | $218,000 | $1,500,000 | $112,000 | $1,332,000 |
| Hispanic | 833 | $157,390,000 | $188,000 | $920,000 | $91,000 | $541,000 |
| Asian | 412 | $124,318,000 | $301,000 | $1,510,000 | $126,000 | $1,115,000 |
| Black or African American | 193 | $44,154,000 | $228,000 | $642,000 | $102,000 | $318,000 |
| Native Hawaiian or Other Pacific Islander | 78 | $16,923,000 | $216,000 | $831,000 | $110,000 | $291,000 |
| American Indian or Alaskan Native | 50 | $9,186,000 | $183,000 | $490,000 | $97,000 | $494,000 |
| 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) | 5,572 | $1,256,837,000 | $225,000 | $1,523,000 | $111,000 | $2,826,000 |
| 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 | 2,987 | $680,979,000 | $227,000 | $1,523,000 | $114,000 | $1,332,000 |
| Application Denied By Financial Institution | 1,406 | $294,596,000 | $209,000 | $1,510,000 | $111,000 | $2,826,000 |
| Application Withdrawn By Applicant | 946 | $225,060,000 | $237,000 | $1,343,000 | $104,000 | $679,000 |
| File Closed For Incompleteness | 151 | $37,497,000 | $248,000 | $892,000 | $104,000 | $556,000 |
| Application Approved But Not Accepted | 82 | $18,705,000 | $228,000 | $1,155,000 | $106,000 | $473,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Golden 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 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About