The Golden 1
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
The Golden 1 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | The Golden 1 8945 Cal Center Dr Sacramento, CA 95826 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 11,697 |
| Total Mortgage Loan Application Amount | $4,005,435,000 |
| Average Mortgage Loan Application Amount | $377,200 |
| Highest Mortgage Loan Application Amount | $11,355,000 |
| Average Applicant Income | $168,400 |
| Highest Applicant Income | $7,002,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with The Golden 1. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing The Golden 1's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down The Golden 1's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how The Golden 1 serves its applicants.
Each category highlights the total number of mortgage applications processed by The Golden 1, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at The Golden 1's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sacramento County California | 3,452 | $ 564,530,000 | $ 163,000 | $ 134,000 |
| Placer County California | 938 | $ 190,300,000 | $ 202,000 | $ 164,000 |
| Santa Clara County California | 876 | $ 963,180,000 | $ 1,099,000 | $ 341,000 |
| San Joaquin County California | 659 | $ 245,465,000 | $ 372,000 | $ 153,000 |
| Alameda County California | 619 | $ 521,075,000 | $ 841,000 | $ 261,000 |
| Fresno County California | 600 | $ 78,150,000 | $ 130,000 | $ 109,000 |
| Contra Costa County California | 381 | $ 244,775,000 | $ 642,000 | $ 243,000 |
| El Dorado County California | 381 | $ 81,335,000 | $ 213,000 | $ 194,000 |
| Yolo County California | 313 | $ 50,305,000 | $ 160,000 | $ 142,000 |
| Stanislaus County California | 301 | $ 41,915,000 | $ 139,000 | $ 109,000 |
| Solano County California | 261 | $ 49,545,000 | $ 189,000 | $ 140,000 |
| Los Angeles County California | 215 | $ 107,255,000 | $ 498,000 | $ 214,000 |
| San Luis Obispo County California | 199 | $ 38,225,000 | $ 192,000 | $ 178,000 |
| Madera County California | 184 | $ 22,920,000 | $ 124,000 | $ 100,000 |
| Orange County California | 170 | $ 114,120,000 | $ 671,000 | $ 256,000 |
| San Bernardino County California | 166 | $ 48,150,000 | $ 290,000 | $ 152,000 |
| Riverside County California | 162 | $ 48,030,000 | $ 296,000 | $ 157,000 |
| San Mateo County California | 159 | $ 147,235,000 | $ 926,000 | $ 311,000 |
| San Francisco County California | 121 | $ 77,325,000 | $ 639,000 | $ 247,000 |
| San Diego County California | 117 | $ 66,435,000 | $ 567,000 | $ 228,000 |
| Monterey County California | 109 | $ 30,465,000 | $ 279,000 | $ 208,000 |
| Shasta County California | 109 | $ 12,765,000 | $ 117,000 | $ 117,000 |
| Butte County California | 98 | $ 13,530,000 | $ 138,000 | $ 113,000 |
| Santa Barbara County California | 96 | $ 21,310,000 | $ 221,000 | $ 149,000 |
| Nevada County California | 94 | $ 16,440,000 | $ 174,000 | $ 146,000 |
| Amador County California | 92 | $ 13,210,000 | $ 143,000 | $ 112,000 |
| Sutter County California | 83 | $ 10,545,000 | $ 127,000 | $ 126,000 |
| Yuba County California | 83 | $ 9,135,000 | $ 110,000 | $ 104,000 |
| Kern County California | 70 | $ 8,870,000 | $ 126,000 | $ 122,000 |
| Merced County California | 65 | $ 10,025,000 | $ 154,000 | $ 112,000 |
| Napa County California | 58 | $ 12,700,000 | $ 218,000 | $ 155,000 |
| Kings County California | 56 | $ 6,200,000 | $ 110,000 | $ 115,000 |
| Santa Cruz County California | 56 | $ 41,030,000 | $ 732,000 | $ 267,000 |
| Tulare County California | 47 | $ 5,275,000 | $ 112,000 | $ 251,000 |
| Calaveras County California | 44 | $ 7,990,000 | $ 181,000 | $ 135,000 |
| Ventura County California | 44 | $ 22,630,000 | $ 514,000 | $ 221,000 |
| Sonoma County California | 37 | $ 15,665,000 | $ 423,000 | $ 204,000 |
| Lassen County California | 24 | $ 2,130,000 | $ 88,000 | $ 83,000 |
| Marin County California | 24 | $ 19,540,000 | $ 814,000 | $ 319,000 |
| San Benito County California | 23 | $ 5,295,000 | $ 230,000 | $ 139,000 |
| Tuolumne County California | 18 | $ 2,430,000 | $ 135,000 | $ 120,000 |
| Tehama County California | 15 | $ 1,345,000 | $ 89,000 | $ 95,000 |
| Humboldt County California | 11 | $ 2,155,000 | $ 195,000 | $ 116,000 |
| Glenn County California | 10 | $ 1,310,000 | $ 131,000 | $ 89,000 |
| Lake County California | 10 | $ 2,060,000 | $ 206,000 | $ 111,000 |
| Mariposa County California | 9 | $ 1,185,000 | $ 131,000 | $ 140,000 |
| Siskiyou County California | 7 | $ 815,000 | $ 116,000 | $ 62,000 |
| Plumas County California | 6 | $ 2,670,000 | $ 445,000 | $ 140,000 |
| Colusa County California | 5 | $ 625,000 | $ 125,000 | $ 94,000 |
| Del Norte County California | 4 | $ 1,670,000 | $ 417,000 | $ 164,000 |
| Imperial County California | 4 | $ 400,000 | $ 100,000 | $ 102,000 |
| Mendocino County California | 4 | $ 2,340,000 | $ 585,000 | $ 648,000 |
| Mono County California | 3 | $ 695,000 | $ 231,000 | $ 103,000 |
| Sierra County California | 2 | $ 320,000 | $ 160,000 | $ 65,000 |
| Trinity County California | 2 | $ 230,000 | $ 115,000 | $ 145,000 |
| Alpine County California | 1 | $ 165,000 | $ 165,000 | $ 277,000 |
Mortgage Loan Application Detail Totals for The Golden 1 in 2022
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 | 4,765 | $524,545,000 | $110,000 | $1,005,000 | $150,000 | $5,304,000 |
| Home Purchase | 2,836 | $2,604,780,000 | $918,000 | $5,005,000 | $264,000 | $2,968,000 |
| Other Purpose | 1,976 | $212,320,000 | $107,000 | $935,000 | $138,000 | $3,720,000 |
| Cash-out Refinancing | 1,689 | $456,315,000 | $270,000 | $3,605,000 | $140,000 | $7,002,000 |
| Refinancing | 431 | $207,475,000 | $481,000 | $11,355,000 | $150,000 | $763,000 |
| 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 | 4,535 | $1,172,065,000 | $258,000 | $4,005,000 | $171,000 | $5,304,000 |
| Not Provided | 2,311 | $693,895,000 | $300,000 | $4,805,000 | $159,000 | $1,952,000 |
| Asian | 2,148 | $1,425,060,000 | $663,000 | $5,005,000 | $233,000 | $2,552,000 |
| Hispanic | 1,796 | $320,400,000 | $178,000 | $3,835,000 | $128,000 | $7,002,000 |
| Black or African American | 461 | $99,235,000 | $215,000 | $2,785,000 | $135,000 | $1,108,000 |
| American Indian or Alaskan Native | 74 | $12,760,000 | $172,000 | $3,055,000 | $157,000 | $1,353,000 |
| Native Hawaiian or Other Pacific Islander | 62 | $14,170,000 | $228,000 | $925,000 | $125,000 | $428,000 |
| Not applicable | 2 | $12,610,000 | $6,305,000 | $11,355,000 | $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) | 11,641 | $3,982,965,000 | $342,000 | $11,355,000 | $175,000 | $7,002,000 |
| FHA-insured (Federal Housing Administration) | 56 | $22,470,000 | $401,000 | $985,000 | $104,000 | $222,000 |
| 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 | 6,793 | $2,645,955,000 | $389,000 | $4,415,000 | $187,000 | $5,304,000 |
| Application Denied By Financial Institution | 2,931 | $512,695,000 | $174,000 | $5,005,000 | $139,000 | $2,568,000 |
| Application Withdrawn By Applicant | 1,781 | $793,285,000 | $445,000 | $11,355,000 | $190,000 | $7,002,000 |
| Application Approved But Not Accepted | 100 | $26,520,000 | $265,000 | $1,405,000 | $163,000 | $1,194,000 |
| File Closed For Incompleteness | 92 | $26,980,000 | $293,000 | $1,085,000 | $104,000 | $541,000 |
| 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 | 8,766 | $3,492,740,000 | $398,000 | $11,355,000 | $186,000 | $7,002,000 |
| Debt-To-Income Ratio | 1,044 | $206,410,000 | $197,000 | $4,805,000 | $105,000 | $825,000 |
| Unverifiable Information | 741 | $126,835,000 | $171,000 | $2,585,000 | $154,000 | $1,800,000 |
| Collateral | 551 | $70,535,000 | $128,000 | $2,725,000 | $159,000 | $964,000 |
| Credit History | 398 | $54,090,000 | $135,000 | $3,005,000 | $139,000 | $2,568,000 |
| Other | 167 | $47,845,000 | $286,000 | $5,005,000 | $215,000 | $1,646,000 |
| Employment History | 26 | $3,960,000 | $152,000 | $1,125,000 | $92,000 | $249,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $3,020,000 | $755,000 | $1,475,000 | $223,000 | $468,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Golden 1's 2022 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'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.