The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2020
In 2020, The Golden 1 Credit Union of Sacramento, CA reported 13,750 mortgage applications totaling $4.6 billion, up 24% from 2019. The average application was for $333,571, and applicants reported an average income of $152,925. 47% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (6,792), Oakland-Hayward-Berkeley, CA (944) and San Jose-Sunnyvale-Santa Clara, CA (855) (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 | 13,750 |
| Total Mortgage Loan Application Amount | $4,586,610,000 |
| Average Mortgage Loan Application Amount | $333,571 |
| Highest Mortgage Loan Application Amount | $4,165,000 |
| Average Applicant Income | $152,925 |
| Highest Applicant Income | $5,400,000 |
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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 6,792 | $ 1,644,550,000 | $ 242,130 | $ 136,000 |
| Oakland-Hayward-Berkeley, CA | 944 | $ 609,960,000 | $ 646,144 | $ 229,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 855 | $ 689,485,000 | $ 806,415 | $ 257,000 |
| Fresno, CA | 774 | $ 137,750,000 | $ 177,971 | $ 109,000 |
| Stockton-Lodi, CA | 555 | $ 147,835,000 | $ 266,369 | $ 119,000 |
| Outside any metro area | 442 | $ 79,640,000 | $ 180,180 | $ 120,000 |
| Modesto, CA | 308 | $ 56,990,000 | $ 185,032 | $ 98,000 |
| Riverside-San Bernardino-Ontario, CA | 303 | $ 107,655,000 | $ 355,297 | $ 149,000 |
| San Francisco-Redwood City-South San Francisco, CA | 300 | $ 202,710,000 | $ 675,700 | $ 231,000 |
| Vallejo-Fairfield, CA | 282 | $ 73,450,000 | $ 260,460 | $ 135,000 |
| Madera, CA | 245 | $ 38,885,000 | $ 158,714 | $ 85,000 |
| Los Angeles-Long Beach-Glendale, CA | 244 | $ 141,640,000 | $ 580,491 | $ 232,000 |
| Anaheim-Santa Ana-Irvine, CA | 216 | $ 201,160,000 | $ 931,296 | $ 287,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 216 | $ 65,590,000 | $ 303,657 | $ 137,000 |
| Yuba City, CA | 157 | $ 29,055,000 | $ 185,063 | $ 125,000 |
| Chico, CA | 148 | $ 28,530,000 | $ 192,770 | $ 129,000 |
| Redding, CA | 112 | $ 18,560,000 | $ 165,714 | $ 105,000 |
| Santa Maria-Santa Barbara, CA | 103 | $ 44,395,000 | $ 431,019 | $ 166,000 |
| Salinas, CA | 100 | $ 42,390,000 | $ 423,900 | $ 161,000 |
| Merced, CA | 92 | $ 16,440,000 | $ 178,695 | $ 91,000 |
| Hanford-Corcoran, CA | 82 | $ 12,260,000 | $ 149,512 | $ 101,000 |
| San Diego-Carlsbad, CA | 75 | $ 38,645,000 | $ 515,266 | $ 201,000 |
| Visalia-Porterville, CA | 71 | $ 10,775,000 | $ 151,760 | $ 100,000 |
| Bakersfield, CA | 67 | $ 10,835,000 | $ 161,716 | $ 132,000 |
| Santa Cruz-Watsonville, CA | 57 | $ 45,645,000 | $ 800,789 | $ 266,000 |
| Napa, CA | 56 | $ 14,830,000 | $ 264,821 | $ 192,000 |
| San Rafael, CA | 52 | $ 34,070,000 | $ 655,192 | $ 262,000 |
| Santa Rosa, CA | 46 | $ 18,330,000 | $ 398,478 | $ 177,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 41 | $ 22,685,000 | $ 553,292 | $ 205,000 |
| El Centro, CA | 10 | $ 1,480,000 | $ 148,000 | $ 104,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
| Ogden-Clearfield, UT | 1 | $ 55,000 | $ 55,000 | $ 88,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 225,000 | $ 225,000 | $ 66,000 |
| Reno, NV | 1 | $ 25,000 | $ 25,000 | $ 43,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 55,000 | $ 55,000 | $ 369,000 |
Mortgage Loan Application Detail Totals for The Golden 1 Credit Union in 2020
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 | 5,383 | $2,040,535,000 | $379,000 | $3,355,000 | $156,000 | $4,140,000 |
| Cash-out Refinancing | 2,979 | $868,445,000 | $291,000 | $3,565,000 | $134,000 | $5,400,000 |
| Home Purchase | 2,058 | $1,348,270,000 | $655,000 | $4,165,000 | $195,000 | $1,436,000 |
| Home Improvement | 1,946 | $144,110,000 | $74,000 | $565,000 | $126,000 | $2,460,000 |
| Other Purpose | 1,384 | $185,250,000 | $133,000 | $3,405,000 | $157,000 | $3,851,000 |
| 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 | 5,652 | $1,808,340,000 | $319,000 | $4,165,000 | $150,000 | $2,556,000 |
| Not Provided | 3,355 | $1,103,605,000 | $328,000 | $4,005,000 | $162,000 | $5,400,000 |
| Hispanic | 2,040 | $475,580,000 | $233,000 | $2,485,000 | $118,000 | $2,808,000 |
| Asian | 1,876 | $928,170,000 | $494,000 | $3,355,000 | $186,000 | $3,780,000 |
| Black or African American | 526 | $143,550,000 | $272,000 | $1,385,000 | $132,000 | $3,204,000 |
| American Indian or Alaskan Native | 83 | $23,915,000 | $288,000 | $1,325,000 | $117,000 | $336,000 |
| Native Hawaiian or Other Pacific Islander | 70 | $19,070,000 | $272,000 | $1,385,000 | $121,000 | $305,000 |
| 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) | 13,694 | $4,565,400,000 | $333,000 | $4,165,000 | $153,000 | $5,400,000 |
| FHA-insured (Federal Housing Administration) | 56 | $21,210,000 | $378,000 | $885,000 | $103,000 | $367,000 |
| 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 | 6,412 | $2,442,470,000 | $380,000 | $4,165,000 | $151,000 | $1,635,000 |
| Application Withdrawn By Applicant | 4,644 | $1,493,450,000 | $321,000 | $3,565,000 | $173,000 | $5,400,000 |
| Application Denied By Financial Institution | 1,773 | $363,455,000 | $204,000 | $4,005,000 | $115,000 | $1,356,000 |
| File Closed For Incompleteness | 826 | $263,510,000 | $319,000 | $3,355,000 | $141,000 | $2,152,000 |
| Application Approved But Not Accepted | 95 | $23,725,000 | $249,000 | $1,055,000 | $116,000 | $345,000 |
| 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 | 11,977 | $4,223,155,000 | $352,000 | $4,165,000 | $159,000 | $5,400,000 |
| Debt-To-Income Ratio | 634 | $143,380,000 | $226,000 | $4,005,000 | $84,000 | $764,000 |
| Unverifiable Information | 509 | $115,105,000 | $226,000 | $1,725,000 | $125,000 | $1,133,000 |
| Collateral | 297 | $41,555,000 | $139,000 | $1,785,000 | $141,000 | $784,000 |
| Credit History | 200 | $31,750,000 | $158,000 | $1,415,000 | $118,000 | $954,000 |
| Other | 109 | $22,775,000 | $208,000 | $3,005,000 | $159,000 | $1,356,000 |
| Employment History | 13 | $3,095,000 | $238,000 | $1,135,000 | $113,000 | $314,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $5,795,000 | $526,000 | $1,185,000 | $115,000 | $257,000 |
| 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 2020 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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