The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, The Golden 1 Credit Union of Sacramento, CA reported 11,089 mortgage applications totaling $2.4 billion, up 23% from 2018. The average application was for $219,527, and applicants reported an average income of $124,884. 51% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (6,054), Fresno, CA (638) and Stockton-Lodi, CA (514) (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 | 11,089 |
| Total Mortgage Loan Application Amount | $2,434,335,000 |
| Average Mortgage Loan Application Amount | $219,527 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $124,884 |
| Highest Applicant Income | $8,156,000 |
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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 6,054 | $ 1,174,560,000 | $ 194,013 | $ 121,000 |
| Fresno, CA | 638 | $ 92,690,000 | $ 145,282 | $ 91,000 |
| Stockton-Lodi, CA | 514 | $ 104,700,000 | $ 203,696 | $ 116,000 |
| Oakland-Hayward-Berkeley, CA | 462 | $ 200,990,000 | $ 435,043 | $ 189,000 |
| Outside any metro area | 395 | $ 60,325,000 | $ 152,721 | $ 110,850 |
| Modesto, CA | 331 | $ 55,105,000 | $ 166,480 | $ 95,000 |
| Vallejo-Fairfield, CA | 318 | $ 60,650,000 | $ 190,723 | $ 123,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 300 | $ 188,950,000 | $ 629,833 | $ 212,000 |
| Madera, CA | 212 | $ 28,440,000 | $ 134,150 | $ 80,000 |
| Riverside-San Bernardino-Ontario, CA | 206 | $ 48,080,000 | $ 233,398 | $ 114,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 201 | $ 43,915,000 | $ 218,482 | $ 129,000 |
| Yuba City, CA | 184 | $ 28,870,000 | $ 156,902 | $ 93,000 |
| Chico, CA | 163 | $ 22,295,000 | $ 136,779 | $ 98,000 |
| Los Angeles-Long Beach-Glendale, CA | 137 | $ 42,865,000 | $ 312,883 | $ 127,000 |
| San Francisco-Redwood City-South San Francisco, CA | 126 | $ 62,130,000 | $ 493,095 | $ 210,000 |
| Redding, CA | 106 | $ 12,610,000 | $ 118,962 | $ 101,000 |
| Salinas, CA | 89 | $ 26,345,000 | $ 296,011 | $ 140,000 |
| Santa Maria-Santa Barbara, CA | 82 | $ 26,120,000 | $ 318,536 | $ 297,000 |
| Merced, CA | 80 | $ 11,400,000 | $ 142,500 | $ 96,000 |
| Anaheim-Santa Ana-Irvine, CA | 79 | $ 39,625,000 | $ 501,582 | $ 189,000 |
| Hanford-Corcoran, CA | 67 | $ 9,445,000 | $ 140,970 | $ 91,000 |
| Visalia-Porterville, CA | 61 | $ 7,995,000 | $ 131,065 | $ 97,000 |
| Napa, CA | 57 | $ 13,185,000 | $ 231,315 | $ 136,000 |
| San Diego-Carlsbad, CA | 52 | $ 20,330,000 | $ 390,961 | $ 166,000 |
| Bakersfield, CA | 51 | $ 7,775,000 | $ 152,450 | $ 111,000 |
| Santa Rosa, CA | 35 | $ 12,955,000 | $ 370,142 | $ 181,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 31 | $ 10,085,000 | $ 325,322 | $ 139,000 |
| San Rafael, CA | 29 | $ 10,775,000 | $ 371,551 | $ 203,000 |
| Santa Cruz-Watsonville, CA | 21 | $ 10,045,000 | $ 478,333 | $ 234,000 |
| El Centro, CA | 8 | $ 1,080,000 | $ 135,000 | $ 92,000 |
Mortgage Loan Application Detail Totals for The Golden 1 Credit Union in 2019
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 3,095 | $737,405,000 | $238,000 | $3,005,000 | $113,000 | $2,409,000 |
| Home Improvement | 2,924 | $219,840,000 | $75,000 | $965,000 | $119,000 | $4,064,000 |
| Refinancing | 2,059 | $716,785,000 | $348,000 | $1,895,000 | $132,000 | $2,533,000 |
| Other Purpose | 1,518 | $147,250,000 | $97,000 | $1,655,000 | $132,000 | $8,156,000 |
| Home Purchase | 1,493 | $613,055,000 | $410,000 | $2,405,000 | $144,000 | $3,700,000 |
| 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 | 4,780 | $1,013,020,000 | $211,000 | $2,405,000 | $129,000 | $3,700,000 |
| Not Provided | 2,820 | $623,310,000 | $221,000 | $2,405,000 | $128,000 | $4,800,000 |
| Hispanic | 1,715 | $314,585,000 | $183,000 | $1,415,000 | $108,000 | $8,156,000 |
| Asian | 1,138 | $351,490,000 | $308,000 | $3,005,000 | $135,000 | $3,036,000 |
| Black or African American | 413 | $83,425,000 | $201,000 | $915,000 | $110,000 | $1,201,000 |
| American Indian or Alaskan Native | 94 | $16,720,000 | $177,000 | $1,105,000 | $110,000 | $1,653,000 |
| Native Hawaiian or Other Pacific Islander | 65 | $14,715,000 | $226,000 | $835,000 | $100,000 | $312,000 |
| 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) | 10,992 | $2,405,010,000 | $218,000 | $3,005,000 | $125,000 | $8,156,000 |
| FHA-insured (Federal Housing Administration) | 97 | $29,325,000 | $302,000 | $665,000 | $86,000 | $295,000 |
| 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 | 5,641 | $1,276,105,000 | $226,000 | $3,005,000 | $125,000 | $1,169,000 |
| Application Withdrawn By Applicant | 2,984 | $754,100,000 | $252,000 | $2,405,000 | $138,000 | $8,156,000 |
| Application Denied By Financial Institution | 1,944 | $264,640,000 | $136,000 | $2,005,000 | $107,000 | $4,064,000 |
| File Closed For Incompleteness | 410 | $115,170,000 | $280,000 | $1,895,000 | $116,000 | $2,409,000 |
| Application Approved But Not Accepted | 110 | $24,320,000 | $221,000 | $915,000 | $125,000 | $525,000 |
| 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 | 9,145 | $2,169,695,000 | $237,000 | $3,005,000 | $129,000 | $8,156,000 |
| Debt-To-Income Ratio | 659 | $100,905,000 | $153,000 | $1,265,000 | $78,000 | $355,000 |
| Collateral | 466 | $50,050,000 | $107,000 | $1,105,000 | $133,000 | $1,891,000 |
| Unverifiable Information | 419 | $56,915,000 | $135,000 | $1,895,000 | $110,000 | $703,000 |
| Credit History | 253 | $37,185,000 | $146,000 | $2,005,000 | $115,000 | $630,000 |
| Other | 69 | $9,165,000 | $132,000 | $705,000 | $112,000 | $366,000 |
| Credit Application Incomplete | 44 | $5,320,000 | $120,000 | $485,000 | $205,000 | $4,064,000 |
| Employment History | 25 | $2,945,000 | $117,000 | $665,000 | $90,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $2,155,000 | $239,000 | $545,000 | $92,000 | $210,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Golden 1 Credit Union's 2019 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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