The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, The Golden 1 Credit Union of Sacramento, CA reported 11,089 mortgage applications totaling $2.4 billion, up 23% from 2018. The average application was for $219,527, and applicants reported an average income of $124,884. 51% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (6,054), Fresno, CA (638) and Stockton-Lodi, CA (514) (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 | 11,089 |
| Total Mortgage Loan Application Amount | $2,434,335,000 |
| Average Mortgage Loan Application Amount | $219,527 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $124,884 |
| Highest Applicant Income | $8,156,000 |
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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,229 | $ 799,945,000 | $ 189,157 | $ 114,000 |
| Placer, California | 962 | $ 199,180,000 | $ 207,047 | $ 140,000 |
| Fresno, California | 638 | $ 92,690,000 | $ 145,282 | $ 91,000 |
| San Joaquin, California | 514 | $ 104,700,000 | $ 203,696 | $ 116,000 |
| El Dorado, California | 454 | $ 91,840,000 | $ 202,290 | $ 138,000 |
| Yolo, California | 409 | $ 83,595,000 | $ 204,388 | $ 127,000 |
| Stanislaus, California | 331 | $ 55,105,000 | $ 166,480 | $ 95,000 |
| Solano, California | 318 | $ 60,650,000 | $ 190,723 | $ 123,000 |
| Santa Clara, California | 277 | $ 179,985,000 | $ 649,765 | $ 218,000 |
| Alameda, California | 271 | $ 128,715,000 | $ 474,963 | $ 201,000 |
| Madera, California | 212 | $ 28,440,000 | $ 134,150 | $ 80,000 |
| San Luis Obispo, California | 201 | $ 43,915,000 | $ 218,482 | $ 129,000 |
| Contra Costa, California | 191 | $ 72,275,000 | $ 378,403 | $ 172,000 |
| Butte, California | 163 | $ 22,295,000 | $ 136,779 | $ 98,000 |
| Los Angeles, California | 137 | $ 42,865,000 | $ 312,883 | $ 127,000 |
| Amador, California | 106 | $ 17,290,000 | $ 163,113 | $ 96,000 |
| Shasta, California | 106 | $ 12,610,000 | $ 118,962 | $ 101,000 |
| San Bernardino, California | 104 | $ 23,620,000 | $ 227,115 | $ 101,000 |
| Riverside, California | 102 | $ 24,460,000 | $ 239,803 | $ 127,000 |
| Yuba, California | 99 | $ 15,985,000 | $ 161,464 | $ 90,000 |
| Monterey, California | 89 | $ 26,345,000 | $ 296,011 | $ 140,000 |
| Sutter, California | 85 | $ 12,885,000 | $ 151,588 | $ 98,000 |
| Nevada, California | 84 | $ 15,110,000 | $ 179,880 | $ 115,000 |
| Santa Barbara, California | 82 | $ 26,120,000 | $ 318,536 | $ 297,000 |
| Merced, California | 80 | $ 11,400,000 | $ 142,500 | $ 96,000 |
| Orange, California | 79 | $ 39,625,000 | $ 501,582 | $ 189,000 |
| San Francisco, California | 70 | $ 33,140,000 | $ 473,428 | $ 221,000 |
| Kings, California | 67 | $ 9,445,000 | $ 140,970 | $ 91,000 |
| Tulare, California | 61 | $ 7,995,000 | $ 131,065 | $ 97,000 |
| Napa, California | 57 | $ 13,185,000 | $ 231,315 | $ 136,000 |
| San Mateo, California | 56 | $ 28,990,000 | $ 517,678 | $ 196,000 |
| San Diego, California | 52 | $ 20,330,000 | $ 390,961 | $ 166,000 |
| Kern, California | 51 | $ 7,775,000 | $ 152,450 | $ 111,000 |
| Calaveras, California | 50 | $ 7,050,000 | $ 141,000 | $ 132,000 |
| Lassen, California | 44 | $ 4,830,000 | $ 109,772 | $ 124,000 |
| Sonoma, California | 35 | $ 12,955,000 | $ 370,142 | $ 181,000 |
| Ventura, California | 31 | $ 10,085,000 | $ 325,322 | $ 139,000 |
| Marin, California | 29 | $ 10,775,000 | $ 371,551 | $ 203,000 |
| San Benito, California | 23 | $ 8,965,000 | $ 389,782 | $ 142,000 |
| Santa Cruz, California | 21 | $ 10,045,000 | $ 478,333 | $ 234,000 |
| Tuolumne, California | 18 | $ 1,940,000 | $ 107,777 | $ 102,000 |
| Plumas, California | 17 | $ 2,815,000 | $ 165,588 | $ 118,000 |
| Tehama, California | 13 | $ 1,455,000 | $ 111,923 | $ 81,000 |
| Colusa, California | 11 | $ 1,435,000 | $ 130,454 | $ 86,000 |
| Mariposa, California | 10 | $ 1,710,000 | $ 171,000 | $ 93,000 |
| Imperial, California | 8 | $ 1,080,000 | $ 135,000 | $ 92,000 |
| Del Norte, California | 7 | $ 1,525,000 | $ 217,857 | $ 99,000 |
| Glenn, California | 7 | $ 825,000 | $ 117,857 | $ 88,000 |
| Mendocino, California | 6 | $ 1,370,000 | $ 228,333 | $ 115,000 |
| Lake, California | 5 | $ 515,000 | $ 103,000 | $ 75,000 |
| Siskiyou, California | 5 | $ 925,000 | $ 185,000 | $ 118,000 |
| Humboldt, California | 3 | $ 505,000 | $ 168,333 | $ 69,000 |
| Sierra, California | 3 | $ 265,000 | $ 88,333 | $ 82,000 |
| Mono, California | 2 | $ 170,000 | $ 85,000 | $ 227,000 |
| Trinity, California | 2 | $ 420,000 | $ 210,000 | $ 134,000 |
| Alpine, California | 1 | $ 65,000 | $ 65,000 | $ 310,000 |
| Montague, Texas | 1 | $ 105,000 | $ 105,000 | $ 840,000 |
Mortgage Loan Application Detail Totals for The Golden 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 | 3,095 | $737,405,000 | $238,000 | $3,005,000 | $113,000 | $2,409,000 |
| Home Improvement | 2,924 | $219,840,000 | $75,000 | $965,000 | $119,000 | $4,064,000 |
| Refinancing | 2,059 | $716,785,000 | $348,000 | $1,895,000 | $132,000 | $2,533,000 |
| Other Purpose | 1,518 | $147,250,000 | $97,000 | $1,655,000 | $132,000 | $8,156,000 |
| Home Purchase | 1,493 | $613,055,000 | $410,000 | $2,405,000 | $144,000 | $3,700,000 |
| 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 | 4,780 | $1,013,020,000 | $211,000 | $2,405,000 | $129,000 | $3,700,000 |
| Not Provided | 2,820 | $623,310,000 | $221,000 | $2,405,000 | $128,000 | $4,800,000 |
| Hispanic | 1,715 | $314,585,000 | $183,000 | $1,415,000 | $108,000 | $8,156,000 |
| Asian | 1,138 | $351,490,000 | $308,000 | $3,005,000 | $135,000 | $3,036,000 |
| Black or African American | 413 | $83,425,000 | $201,000 | $915,000 | $110,000 | $1,201,000 |
| American Indian or Alaskan Native | 94 | $16,720,000 | $177,000 | $1,105,000 | $110,000 | $1,653,000 |
| Native Hawaiian or Other Pacific Islander | 65 | $14,715,000 | $226,000 | $835,000 | $100,000 | $312,000 |
| 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) | 10,992 | $2,405,010,000 | $218,000 | $3,005,000 | $125,000 | $8,156,000 |
| FHA-insured (Federal Housing Administration) | 97 | $29,325,000 | $302,000 | $665,000 | $86,000 | $295,000 |
| 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 | 5,641 | $1,276,105,000 | $226,000 | $3,005,000 | $125,000 | $1,169,000 |
| Application Withdrawn By Applicant | 2,984 | $754,100,000 | $252,000 | $2,405,000 | $138,000 | $8,156,000 |
| Application Denied By Financial Institution | 1,944 | $264,640,000 | $136,000 | $2,005,000 | $107,000 | $4,064,000 |
| File Closed For Incompleteness | 410 | $115,170,000 | $280,000 | $1,895,000 | $116,000 | $2,409,000 |
| Application Approved But Not Accepted | 110 | $24,320,000 | $221,000 | $915,000 | $125,000 | $525,000 |
| 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 | 9,145 | $2,169,695,000 | $237,000 | $3,005,000 | $129,000 | $8,156,000 |
| Debt-To-Income Ratio | 659 | $100,905,000 | $153,000 | $1,265,000 | $78,000 | $355,000 |
| Collateral | 466 | $50,050,000 | $107,000 | $1,105,000 | $133,000 | $1,891,000 |
| Unverifiable Information | 419 | $56,915,000 | $135,000 | $1,895,000 | $110,000 | $703,000 |
| Credit History | 253 | $37,185,000 | $146,000 | $2,005,000 | $115,000 | $630,000 |
| Other | 69 | $9,165,000 | $132,000 | $705,000 | $112,000 | $366,000 |
| Credit Application Incomplete | 44 | $5,320,000 | $120,000 | $485,000 | $205,000 | $4,064,000 |
| Employment History | 25 | $2,945,000 | $117,000 | $665,000 | $90,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $2,155,000 | $239,000 | $545,000 | $92,000 | $210,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Golden 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 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