The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, The Golden 1 Credit Union of Sacramento, CA reported 8,299 mortgage applications totaling $2.3 billion, down 6% from 2023. The average application was for $274,628, and applicants reported an average income of $171,114. 54% of its applications resulted in an originated loan and 34% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (3,495), Fresno, CA (755) and Oakland-Hayward-Berkeley, CA (606) (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 | 8,299 |
| Total Mortgage Loan Application Amount | $2,279,145,000 |
| Average Mortgage Loan Application Amount | $274,628 |
| Highest Mortgage Loan Application Amount | $13,505,000 |
| Average Applicant Income | $171,114 |
| Highest Applicant Income | $3,000,000 |
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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,452 | $ 358,680,000 | $ 146,280 | $ 138,000 |
| Fresno, California | 582 | $ 75,420,000 | $ 129,587 | $ 122,000 |
| Placer, California | 562 | $ 92,110,000 | $ 163,896 | $ 171,000 |
| San Joaquin, California | 449 | $ 97,605,000 | $ 217,383 | $ 147,000 |
| Santa Clara, California | 400 | $ 346,020,000 | $ 865,050 | $ 341,000 |
| Alameda, California | 345 | $ 260,395,000 | $ 754,768 | $ 290,000 |
| Stanislaus, California | 264 | $ 40,800,000 | $ 154,545 | $ 123,000 |
| Contra Costa, California | 261 | $ 189,755,000 | $ 727,030 | $ 295,000 |
| El Dorado, California | 246 | $ 42,610,000 | $ 173,211 | $ 176,000 |
| Yolo, California | 235 | $ 35,655,000 | $ 151,723 | $ 149,000 |
| Los Angeles, California | 198 | $ 160,840,000 | $ 812,323 | $ 244,000 |
| Solano, California | 186 | $ 29,190,000 | $ 156,935 | $ 157,000 |
| San Luis Obispo, California | 185 | $ 36,975,000 | $ 199,864 | $ 181,000 |
| Madera, California | 173 | $ 19,035,000 | $ 110,028 | $ 98,000 |
| San Bernardino, California | 130 | $ 29,760,000 | $ 228,923 | $ 140,000 |
| Riverside, California | 123 | $ 35,475,000 | $ 288,414 | $ 138,000 |
| San Diego, California | 88 | $ 62,870,000 | $ 714,431 | $ 232,000 |
| Santa Barbara, California | 87 | $ 35,425,000 | $ 407,183 | $ 201,000 |
| Butte, California | 85 | $ 9,835,000 | $ 115,705 | $ 119,000 |
| Shasta, California | 82 | $ 8,120,000 | $ 99,024 | $ 109,000 |
| Monterey, California | 81 | $ 16,725,000 | $ 206,481 | $ 168,000 |
| Amador, California | 79 | $ 9,765,000 | $ 123,607 | $ 107,000 |
| San Mateo, California | 78 | $ 53,940,000 | $ 691,538 | $ 362,000 |
| Orange, California | 76 | $ 42,800,000 | $ 563,157 | $ 296,000 |
| Merced, California | 73 | $ 9,875,000 | $ 135,273 | $ 110,000 |
| Yuba, California | 72 | $ 9,620,000 | $ 133,611 | $ 119,000 |
| Kern, California | 71 | $ 8,555,000 | $ 120,492 | $ 123,000 |
| San Francisco, California | 71 | $ 39,635,000 | $ 558,239 | $ 287,000 |
| Sutter, California | 68 | $ 10,290,000 | $ 151,323 | $ 128,000 |
| Tulare, California | 68 | $ 7,490,000 | $ 110,147 | $ 114,000 |
| Nevada, California | 60 | $ 8,690,000 | $ 144,833 | $ 156,000 |
| Kings, California | 57 | $ 6,565,000 | $ 115,175 | $ 111,000 |
| Napa, California | 43 | $ 9,825,000 | $ 228,488 | $ 134,000 |
| Calaveras, California | 33 | $ 6,515,000 | $ 197,424 | $ 151,000 |
| Marin, California | 28 | $ 11,190,000 | $ 399,642 | $ 267,000 |
| Sonoma, California | 28 | $ 10,460,000 | $ 373,571 | $ 184,000 |
| Ventura, California | 28 | $ 10,040,000 | $ 358,571 | $ 171,000 |
| Santa Cruz, California | 22 | $ 17,050,000 | $ 775,000 | $ 282,000 |
| Lassen, California | 20 | $ 1,840,000 | $ 92,000 | $ 103,000 |
| Tuolumne, California | 20 | $ 2,930,000 | $ 146,500 | $ 116,000 |
| San Benito, California | 15 | $ 4,585,000 | $ 305,666 | $ 265,000 |
| Mariposa, California | 10 | $ 700,000 | $ 70,000 | $ 102,000 |
| Plumas, California | 10 | $ 1,320,000 | $ 132,000 | $ 95,000 |
| Imperial, California | 8 | $ 5,630,000 | $ 703,750 | $ 118,000 |
| Siskiyou, California | 8 | $ 730,000 | $ 91,250 | $ 79,000 |
| Tehama, California | 7 | $ 655,000 | $ 93,571 | $ 147,000 |
| Glenn, California | 6 | $ 710,000 | $ 118,333 | $ 81,000 |
| Lake, California | 5 | $ 965,000 | $ 193,000 | $ 164,000 |
| Trinity, California | 5 | $ 515,000 | $ 103,000 | $ 142,000 |
| Humboldt, California | 4 | $ 730,000 | $ 182,500 | $ 134,000 |
| Colusa, California | 3 | $ 505,000 | $ 168,333 | $ 155,000 |
| Sierra, California | 3 | $ 485,000 | $ 161,666 | $ 134,000 |
| Mendocino, California | 2 | $ 410,000 | $ 205,000 | $ 124,000 |
| Del Norte, California | 1 | $ 125,000 | $ 125,000 | $ 104,000 |
| Inyo, California | 1 | $ 495,000 | $ 495,000 | $ 151,000 |
| Mono, California | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Washoe, Nevada | 1 | $ 55,000 | $ 55,000 | $ 240,000 |
Mortgage Loan Application Detail Totals for The Golden 1 Credit Union in 2024
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 | 3,151 | $370,775,000 | $117,000 | $1,055,000 | $151,000 | $2,744,000 |
| Other Purpose | 1,966 | $197,770,000 | $100,000 | $1,285,000 | $136,000 | $3,000,000 |
| Cash-out Refinancing | 1,397 | $334,975,000 | $239,000 | $10,505,000 | $159,000 | $1,892,000 |
| Home Purchase | 1,256 | $892,770,000 | $710,000 | $5,805,000 | $245,000 | $2,957,000 |
| Refinancing | 529 | $482,855,000 | $912,000 | $13,505,000 | $278,000 | $2,643,000 |
| 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 | 3,019 | $626,985,000 | $207,000 | $3,055,000 | $166,000 | $2,744,000 |
| Hispanic | 1,858 | $279,900,000 | $150,000 | $1,745,000 | $132,000 | $3,000,000 |
| Not Provided | 1,453 | $362,725,000 | $249,000 | $10,005,000 | $176,000 | $2,957,000 |
| Asian | 1,413 | $758,205,000 | $536,000 | $4,005,000 | $242,000 | $945,000 |
| Black or African American | 387 | $62,105,000 | $160,000 | $1,955,000 | $129,000 | $698,000 |
| American Indian or Alaskan Native | 65 | $11,685,000 | $179,000 | $1,945,000 | $137,000 | $665,000 |
| Native Hawaiian or Other Pacific Islander | 54 | $6,250,000 | $115,000 | $445,000 | $113,000 | $391,000 |
| Not applicable | 50 | $171,290,000 | $3,425,000 | $13,505,000 | $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) | 8,191 | $2,233,165,000 | $272,000 | $13,505,000 | $171,000 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 108 | $45,980,000 | $425,000 | $1,055,000 | $117,000 | $339,000 |
| 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 | 4,443 | $1,434,155,000 | $322,000 | $13,505,000 | $182,000 | $1,594,000 |
| Application Denied By Financial Institution | 2,798 | $461,680,000 | $165,000 | $4,005,000 | $144,000 | $3,000,000 |
| Application Withdrawn By Applicant | 903 | $341,915,000 | $378,000 | $4,005,000 | $196,000 | $2,957,000 |
| Application Approved But Not Accepted | 100 | $23,730,000 | $237,000 | $1,795,000 | $166,000 | $600,000 |
| File Closed For Incompleteness | 55 | $17,665,000 | $321,000 | $1,955,000 | $160,000 | $808,000 |
| 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 | 5,501 | $1,817,465,000 | $330,000 | $13,505,000 | $184,000 | $2,957,000 |
| Debt-To-Income Ratio | 1,130 | $198,250,000 | $175,000 | $4,005,000 | $105,000 | $789,000 |
| Credit History | 480 | $68,020,000 | $141,000 | $2,245,000 | $166,000 | $2,400,000 |
| Unverifiable Information | 397 | $57,995,000 | $146,000 | $1,105,000 | $157,000 | $856,000 |
| Collateral | 391 | $64,435,000 | $164,000 | $1,395,000 | $195,000 | $3,000,000 |
| Other | 370 | $62,330,000 | $168,000 | $3,055,000 | $166,000 | $2,744,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $7,695,000 | $452,000 | $1,205,000 | $205,000 | $753,000 |
| Employment History | 13 | $2,955,000 | $227,000 | $955,000 | $103,000 | $317,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Golden 1 Credit Union's 2024 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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