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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sacramento--Roseville--Arden-Arcade, CA | 3,018 | $ 615,405,000 | $ 203,911 | $ 108,000 |
| Fresno, CA | 312 | $ 48,147,000 | $ 154,317 | $ 85,000 |
| Stockton-Lodi, CA | 268 | $ 51,377,000 | $ 191,705 | $ 100,000 |
| Modesto, CA | 193 | $ 30,607,000 | $ 158,585 | $ 89,000 |
| Oakland-Hayward-Berkeley, CA | 179 | $ 65,676,000 | $ 366,905 | $ 144,000 |
| Vallejo-Fairfield, CA | 171 | $ 36,727,000 | $ 214,777 | $ 107,000 |
| Madera, CA | 156 | $ 23,473,000 | $ 150,467 | $ 76,000 |
| Riverside-San Bernardino-Ontario, CA | 122 | $ 31,231,000 | $ 255,991 | $ 120,000 |
| Los Angeles-Long Beach-Glendale, CA | 119 | $ 55,033,000 | $ 462,462 | $ 156,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 110 | $ 63,704,000 | $ 579,127 | $ 194,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 93 | $ 23,732,000 | $ 255,182 | $ 144,000 |
| Yuba City, CA | 71 | $ 13,231,000 | $ 186,352 | $ 89,000 |
| San Francisco-Redwood City-South San Francisco, CA | 66 | $ 30,036,000 | $ 455,090 | $ 146,000 |
| Chico, CA | 56 | $ 8,664,000 | $ 154,714 | $ 79,000 |
| Anaheim-Santa Ana-Irvine, CA | 54 | $ 32,753,000 | $ 606,537 | $ 262,000 |
| Redding, CA | 43 | $ 7,119,000 | $ 165,558 | $ 103,000 |
| Merced, CA | 42 | $ 7,148,000 | $ 170,190 | $ 88,000 |
| Salinas, CA | 41 | $ 9,669,000 | $ 235,829 | $ 94,000 |
| Bakersfield, CA | 32 | $ 4,549,000 | $ 142,156 | $ 102,000 |
| Visalia-Porterville, CA | 31 | $ 5,103,000 | $ 164,612 | $ 97,000 |
| San Diego-Carlsbad, CA | 26 | $ 11,532,000 | $ 443,538 | $ 151,000 |
| Napa, CA | 24 | $ 7,151,000 | $ 297,958 | $ 123,000 |
| Santa Maria-Santa Barbara, CA | 24 | $ 6,591,000 | $ 274,625 | $ 124,000 |
| Hanford-Corcoran, CA | 20 | $ 3,034,000 | $ 151,700 | $ 80,000 |
| San Rafael, CA | 17 | $ 9,381,000 | $ 551,823 | $ 199,000 |
| Santa Rosa, CA | 12 | $ 3,279,000 | $ 273,250 | $ 133,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 10 | $ 2,821,000 | $ 282,100 | $ 110,000 |
| El Centro, CA | 7 | $ 839,000 | $ 119,857 | $ 93,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 2,025,000 | $ 337,500 | $ 138,000 |
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.
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