The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2018
In 2018, The Golden 1 Credit Union of Sacramento, CA reported 8,980 mortgage applications totaling $1.6 billion, up 61% from 2017. The average application was for $173,913, and applicants reported an average income of $113,394. 55% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (4,875), Fresno, CA (561) and Stockton-Lodi, CA (426) (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 | 8,980 |
| Total Mortgage Loan Application Amount | $1,561,740,000 |
| Average Mortgage Loan Application Amount | $173,913 |
| Highest Mortgage Loan Application Amount | $2,945,000 |
| Average Applicant Income | $113,394 |
| Highest Applicant Income | $3,750,000 |
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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,875 | $ 759,315,000 | $ 155,756 | $ 113,000 |
| Fresno, CA | 561 | $ 70,715,000 | $ 126,051 | $ 91,000 |
| Stockton-Lodi, CA | 426 | $ 67,010,000 | $ 157,300 | $ 99,000 |
| Outside any metro area | 396 | $ 56,180,000 | $ 141,868 | $ 96,000 |
| Oakland-Hayward-Berkeley, CA | 347 | $ 110,725,000 | $ 319,092 | $ 149,000 |
| Vallejo-Fairfield, CA | 265 | $ 43,775,000 | $ 165,188 | $ 109,000 |
| Modesto, CA | 246 | $ 31,470,000 | $ 127,926 | $ 88,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 193 | $ 104,605,000 | $ 541,994 | $ 194,000 |
| Madera, CA | 192 | $ 22,990,000 | $ 119,739 | $ 75,000 |
| Riverside-San Bernardino-Ontario, CA | 192 | $ 38,300,000 | $ 199,479 | $ 110,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 159 | $ 28,695,000 | $ 180,471 | $ 124,000 |
| Yuba City, CA | 140 | $ 18,240,000 | $ 130,285 | $ 94,000 |
| San Francisco-Redwood City-South San Francisco, CA | 136 | $ 50,380,000 | $ 370,441 | $ 163,000 |
| Los Angeles-Long Beach-Glendale, CA | 130 | $ 36,540,000 | $ 281,076 | $ 139,000 |
| Chico, CA | 101 | $ 13,745,000 | $ 136,089 | $ 86,000 |
| Redding, CA | 91 | $ 8,705,000 | $ 95,659 | $ 100,000 |
| Salinas, CA | 78 | $ 17,150,000 | $ 219,871 | $ 117,000 |
| Merced, CA | 69 | $ 9,055,000 | $ 131,231 | $ 82,000 |
| Napa, CA | 57 | $ 9,845,000 | $ 172,719 | $ 147,000 |
| Anaheim-Santa Ana-Irvine, CA | 48 | $ 14,500,000 | $ 302,083 | $ 182,000 |
| Santa Maria-Santa Barbara, CA | 46 | $ 7,390,000 | $ 160,652 | $ 133,000 |
| Visalia-Porterville, CA | 46 | $ 5,330,000 | $ 115,869 | $ 94,000 |
| Hanford-Corcoran, CA | 43 | $ 5,845,000 | $ 135,930 | $ 93,000 |
| Bakersfield, CA | 34 | $ 4,660,000 | $ 137,058 | $ 129,000 |
| San Diego-Carlsbad, CA | 25 | $ 4,895,000 | $ 195,800 | $ 162,000 |
| Santa Rosa, CA | 25 | $ 5,815,000 | $ 232,600 | $ 158,000 |
| San Rafael, CA | 22 | $ 7,710,000 | $ 350,454 | $ 232,000 |
| Santa Cruz-Watsonville, CA | 15 | $ 5,385,000 | $ 359,000 | $ 243,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 12 | $ 1,950,000 | $ 162,500 | $ 116,000 |
| El Centro, CA | 9 | $ 795,000 | $ 88,333 | $ 108,000 |
| Birmingham-Hoover, AL | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for The Golden 1 Credit Union in 2018
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 | 3,446 | $247,190,000 | $71,000 | $765,000 | $113,000 | $831,000 |
| Home Purchase | 1,520 | $560,530,000 | $368,000 | $2,945,000 | $133,000 | $1,176,000 |
| Refinancing | 1,506 | $313,970,000 | $208,000 | $2,505,000 | $123,000 | $3,750,000 |
| Cash-out Refinancing | 1,431 | $365,165,000 | $255,000 | $1,105,000 | $95,000 | $719,000 |
| Other Purpose | 1,077 | $74,885,000 | $69,000 | $785,000 | $98,000 | $900,000 |
| 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 | 4,068 | $697,050,000 | $171,000 | $2,945,000 | $118,000 | $3,750,000 |
| Not Provided | 2,093 | $358,355,000 | $171,000 | $1,325,000 | $120,000 | $1,920,000 |
| Hispanic | 1,412 | $204,010,000 | $144,000 | $1,405,000 | $91,000 | $393,000 |
| Asian | 852 | $197,090,000 | $231,000 | $2,505,000 | $122,000 | $607,000 |
| Black or African American | 382 | $72,640,000 | $190,000 | $955,000 | $104,000 | $447,000 |
| American Indian or Alaskan Native | 74 | $10,910,000 | $147,000 | $475,000 | $97,000 | $296,000 |
| Native Hawaiian or Other Pacific Islander | 61 | $11,375,000 | $186,000 | $1,365,000 | $109,000 | $247,000 |
| 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) | 8,921 | $1,545,335,000 | $173,000 | $2,945,000 | $114,000 | $3,750,000 |
| FHA-insured (Federal Housing Administration) | 59 | $16,405,000 | $278,000 | $525,000 | $93,000 | $337,000 |
| 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 | 4,967 | $877,705,000 | $176,000 | $1,925,000 | $118,000 | $3,750,000 |
| Application Denied By Financial Institution | 2,021 | $251,635,000 | $124,000 | $2,505,000 | $100,000 | $900,000 |
| Application Withdrawn By Applicant | 1,760 | $375,820,000 | $213,000 | $2,945,000 | $115,000 | $1,920,000 |
| File Closed For Incompleteness | 162 | $42,650,000 | $263,000 | $1,605,000 | $107,000 | $719,000 |
| Application Approved But Not Accepted | 70 | $13,930,000 | $199,000 | $725,000 | $116,000 | $290,000 |
| 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 | 6,959 | $1,310,105,000 | $188,000 | $2,945,000 | $117,000 | $3,750,000 |
| Debt-To-Income Ratio | 687 | $99,025,000 | $144,000 | $2,505,000 | $79,000 | $421,000 |
| Collateral | 523 | $50,005,000 | $95,000 | $955,000 | $113,000 | $419,000 |
| Unverifiable Information | 345 | $35,965,000 | $104,000 | $805,000 | $109,000 | $900,000 |
| Credit History | 318 | $44,600,000 | $140,000 | $1,045,000 | $105,000 | $551,000 |
| Other | 107 | $14,015,000 | $130,000 | $685,000 | $128,000 | $526,000 |
| Employment History | 23 | $3,435,000 | $149,000 | $605,000 | $96,000 | $377,000 |
| Credit Application Incomplete | 10 | $2,070,000 | $207,000 | $565,000 | $139,000 | $249,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $2,520,000 | $315,000 | $555,000 | $95,000 | $164,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Golden 1 Credit Union's 2018 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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