The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2023
In 2023, The Golden 1 Credit Union of Sacramento, CA reported 8,821 mortgage applications totaling $2.6 billion, down 25% from 2022. The average application was for $293,304, and applicants reported an average income of $180,846. 57% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (3,413), Oakland-Hayward-Berkeley, CA (732) and San Jose-Sunnyvale-Santa Clara, CA (594) (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 | 8,821 |
| Total Mortgage Loan Application Amount | $2,587,235,000 |
| Average Mortgage Loan Application Amount | $293,304 |
| Highest Mortgage Loan Application Amount | $14,405,000 |
| Average Applicant Income | $180,846 |
| Highest Applicant Income | $5,160,000 |
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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,340 | $ 308,790,000 | $ 131,961 | $ 136,000 |
| Placer, California | 588 | $ 92,610,000 | $ 157,500 | $ 171,000 |
| Fresno, California | 584 | $ 63,540,000 | $ 108,801 | $ 115,000 |
| Santa Clara, California | 581 | $ 558,935,000 | $ 962,022 | $ 344,000 |
| San Joaquin, California | 484 | $ 134,640,000 | $ 278,181 | $ 163,000 |
| Alameda, California | 452 | $ 346,940,000 | $ 767,566 | $ 298,000 |
| Contra Costa, California | 280 | $ 170,480,000 | $ 608,857 | $ 264,000 |
| El Dorado, California | 266 | $ 38,200,000 | $ 143,609 | $ 164,000 |
| Stanislaus, California | 235 | $ 26,095,000 | $ 111,042 | $ 123,000 |
| Los Angeles, California | 234 | $ 119,190,000 | $ 509,358 | $ 261,000 |
| Yolo, California | 219 | $ 30,985,000 | $ 141,484 | $ 150,000 |
| Solano, California | 198 | $ 24,780,000 | $ 125,151 | $ 138,000 |
| San Luis Obispo, California | 172 | $ 23,200,000 | $ 134,883 | $ 148,000 |
| San Mateo, California | 166 | $ 132,640,000 | $ 799,036 | $ 325,000 |
| Madera, California | 158 | $ 14,170,000 | $ 89,683 | $ 106,000 |
| San Bernardino, California | 142 | $ 35,620,000 | $ 250,845 | $ 186,000 |
| Riverside, California | 128 | $ 22,720,000 | $ 177,500 | $ 165,000 |
| San Diego, California | 109 | $ 55,945,000 | $ 513,256 | $ 267,000 |
| San Francisco, California | 97 | $ 61,605,000 | $ 635,103 | $ 293,000 |
| Orange, California | 95 | $ 67,775,000 | $ 713,421 | $ 273,000 |
| Santa Barbara, California | 94 | $ 44,600,000 | $ 474,468 | $ 180,000 |
| Shasta, California | 89 | $ 9,765,000 | $ 109,719 | $ 127,000 |
| Yuba, California | 88 | $ 8,450,000 | $ 96,022 | $ 111,000 |
| Amador, California | 81 | $ 8,345,000 | $ 103,024 | $ 124,000 |
| Kern, California | 79 | $ 14,595,000 | $ 184,746 | $ 134,000 |
| Monterey, California | 78 | $ 19,090,000 | $ 244,743 | $ 208,000 |
| Butte, California | 73 | $ 6,175,000 | $ 84,589 | $ 117,000 |
| Nevada, California | 71 | $ 14,045,000 | $ 197,816 | $ 225,000 |
| Sutter, California | 70 | $ 8,820,000 | $ 126,000 | $ 119,000 |
| Tulare, California | 67 | $ 6,465,000 | $ 96,492 | $ 137,000 |
| Merced, California | 58 | $ 7,650,000 | $ 131,896 | $ 109,000 |
| Santa Cruz, California | 50 | $ 31,120,000 | $ 622,400 | $ 265,000 |
| Kings, California | 49 | $ 4,685,000 | $ 95,612 | $ 120,000 |
| Napa, California | 47 | $ 6,175,000 | $ 131,382 | $ 151,000 |
| Ventura, California | 44 | $ 14,640,000 | $ 332,727 | $ 171,000 |
| Marin, California | 33 | $ 15,245,000 | $ 461,969 | $ 265,000 |
| Calaveras, California | 32 | $ 5,180,000 | $ 161,875 | $ 135,000 |
| Sonoma, California | 32 | $ 9,420,000 | $ 294,375 | $ 161,000 |
| Tehama, California | 21 | $ 2,495,000 | $ 118,809 | $ 111,000 |
| Lassen, California | 18 | $ 1,840,000 | $ 102,222 | $ 245,000 |
| Tuolumne, California | 17 | $ 2,225,000 | $ 130,882 | $ 148,000 |
| Colusa, California | 14 | $ 1,610,000 | $ 115,000 | $ 122,000 |
| San Benito, California | 13 | $ 2,655,000 | $ 204,230 | $ 198,000 |
| Plumas, California | 11 | $ 1,015,000 | $ 92,272 | $ 76,000 |
| Imperial, California | 10 | $ 960,000 | $ 96,000 | $ 152,000 |
| Mariposa, California | 10 | $ 1,320,000 | $ 132,000 | $ 86,000 |
| Lake, California | 9 | $ 2,265,000 | $ 251,666 | $ 213,000 |
| Siskiyou, California | 7 | $ 915,000 | $ 130,714 | $ 102,000 |
| Mendocino, California | 5 | $ 3,135,000 | $ 627,000 | $ 263,000 |
| Del Norte, California | 4 | $ 850,000 | $ 212,500 | $ 107,000 |
| Glenn, California | 4 | $ 350,000 | $ 87,500 | $ 74,000 |
| Humboldt, California | 3 | $ 375,000 | $ 125,000 | $ 126,000 |
| Sierra, California | 3 | $ 445,000 | $ 148,333 | $ 165,000 |
| Trinity, California | 3 | $ 685,000 | $ 228,333 | $ 90,000 |
| Alpine, California | 2 | $ 500,000 | $ 250,000 | $ 246,000 |
| Modoc, California | 2 | $ 80,000 | $ 40,000 | $ 88,000 |
| Inyo, California | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| Mono, California | 1 | $ 35,000 | $ 35,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for The Golden 1 Credit Union in 2023
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 | 3,710 | $403,290,000 | $108,000 | $905,000 | $153,000 | $2,796,000 |
| Other Purpose | 2,019 | $196,625,000 | $97,000 | $1,405,000 | $141,000 | $4,819,000 |
| Home Purchase | 1,916 | $1,663,520,000 | $868,000 | $6,845,000 | $289,000 | $4,560,000 |
| Cash-out Refinancing | 1,025 | $184,155,000 | $179,000 | $1,705,000 | $146,000 | $1,389,000 |
| Refinancing | 151 | $139,645,000 | $924,000 | $14,405,000 | $262,000 | $5,160,000 |
| 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 | 3,522 | $766,090,000 | $217,000 | $5,005,000 | $174,000 | $4,560,000 |
| Not Provided | 1,612 | $434,390,000 | $269,000 | $3,195,000 | $180,000 | $2,796,000 |
| Hispanic | 1,534 | $216,040,000 | $140,000 | $1,995,000 | $132,000 | $1,765,000 |
| Asian | 1,409 | $803,665,000 | $570,000 | $4,005,000 | $245,000 | $5,160,000 |
| Black or African American | 364 | $52,300,000 | $143,000 | $2,905,000 | $138,000 | $1,396,000 |
| American Indian or Alaskan Native | 61 | $8,655,000 | $141,000 | $1,175,000 | $121,000 | $489,000 |
| Native Hawaiian or Other Pacific Islander | 55 | $10,535,000 | $191,000 | $1,085,000 | $133,000 | $444,000 |
| Not applicable | 22 | $101,190,000 | $4,599,000 | $14,405,000 | $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) | 8,746 | $2,549,790,000 | $291,000 | $14,405,000 | $181,000 | $5,160,000 |
| FHA-insured (Federal Housing Administration) | 75 | $37,445,000 | $499,000 | $1,105,000 | $137,000 | $389,000 |
| 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 | 5,018 | $1,625,220,000 | $323,000 | $14,405,000 | $191,000 | $2,406,000 |
| Application Denied By Financial Institution | 2,537 | $411,575,000 | $162,000 | $5,005,000 | $143,000 | $4,819,000 |
| Application Withdrawn By Applicant | 1,115 | $508,785,000 | $456,000 | $4,005,000 | $221,000 | $5,160,000 |
| Application Approved But Not Accepted | 104 | $29,060,000 | $279,000 | $3,005,000 | $174,000 | $720,000 |
| File Closed For Incompleteness | 47 | $12,595,000 | $267,000 | $1,305,000 | $115,000 | $605,000 |
| 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 | 6,284 | $2,175,660,000 | $346,000 | $14,405,000 | $195,000 | $5,160,000 |
| Debt-To-Income Ratio | 901 | $165,535,000 | $183,000 | $5,005,000 | $103,000 | $1,389,000 |
| Unverifiable Information | 592 | $107,710,000 | $181,000 | $2,255,000 | $167,000 | $1,968,000 |
| Collateral | 488 | $61,560,000 | $126,000 | $3,005,000 | $171,000 | $1,416,000 |
| Credit History | 385 | $42,555,000 | $110,000 | $1,705,000 | $154,000 | $4,819,000 |
| Other | 154 | $30,340,000 | $197,000 | $1,275,000 | $176,000 | $862,000 |
| Employment History | 14 | $2,880,000 | $205,000 | $815,000 | $138,000 | $330,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $995,000 | $331,000 | $595,000 | $119,000 | $136,000 |
| 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 Credit Union's 2023 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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