The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2021
In 2021, The Golden 1 Credit Union of Sacramento, CA reported 11,357 mortgage applications totaling $3.9 billion, down 17% from 2020. The average application was for $339,515, and applicants reported an average income of $153,869. 56% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (5,209), San Jose-Sunnyvale-Santa Clara, CA (870) and Oakland-Hayward-Berkeley, CA (796) (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 | 11,357 |
| Total Mortgage Loan Application Amount | $3,855,875,000 |
| Average Mortgage Loan Application Amount | $339,515 |
| Highest Mortgage Loan Application Amount | $5,145,000 |
| Average Applicant Income | $153,869 |
| Highest Applicant Income | $6,144,000 |
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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 5,209 | $ 1,068,025,000 | $ 205,034 | $ 128,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 870 | $ 843,820,000 | $ 969,908 | $ 297,000 |
| Oakland-Hayward-Berkeley, CA | 796 | $ 544,700,000 | $ 684,296 | $ 237,000 |
| Fresno, CA | 682 | $ 117,490,000 | $ 172,272 | $ 95,000 |
| Stockton-Lodi, CA | 592 | $ 210,380,000 | $ 355,371 | $ 137,000 |
| Outside any metro area | 387 | $ 71,455,000 | $ 184,638 | $ 130,000 |
| Modesto, CA | 288 | $ 53,710,000 | $ 186,493 | $ 105,000 |
| Riverside-San Bernardino-Ontario, CA | 268 | $ 93,850,000 | $ 350,186 | $ 172,000 |
| San Francisco-Redwood City-South San Francisco, CA | 261 | $ 193,705,000 | $ 742,164 | $ 249,000 |
| Vallejo-Fairfield, CA | 247 | $ 61,145,000 | $ 247,550 | $ 128,000 |
| Madera, CA | 204 | $ 29,670,000 | $ 145,441 | $ 81,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 188 | $ 37,610,000 | $ 200,053 | $ 114,000 |
| Los Angeles-Long Beach-Glendale, CA | 169 | $ 100,375,000 | $ 593,934 | $ 202,000 |
| Yuba City, CA | 162 | $ 29,680,000 | $ 183,209 | $ 94,000 |
| Anaheim-Santa Ana-Irvine, CA | 127 | $ 129,665,000 | $ 1,020,984 | $ 357,000 |
| Chico, CA | 115 | $ 19,745,000 | $ 171,695 | $ 104,000 |
| Redding, CA | 93 | $ 13,855,000 | $ 148,978 | $ 86,000 |
| Merced, CA | 81 | $ 15,715,000 | $ 194,012 | $ 105,000 |
| Salinas, CA | 81 | $ 30,765,000 | $ 379,814 | $ 163,000 |
| San Diego-Carlsbad, CA | 79 | $ 47,305,000 | $ 598,797 | $ 211,000 |
| Santa Maria-Santa Barbara, CA | 64 | $ 17,810,000 | $ 278,281 | $ 140,000 |
| Bakersfield, CA | 63 | $ 10,095,000 | $ 160,238 | $ 100,000 |
| Visalia-Porterville, CA | 58 | $ 9,280,000 | $ 160,000 | $ 133,000 |
| Hanford-Corcoran, CA | 55 | $ 8,515,000 | $ 154,818 | $ 90,000 |
| Santa Cruz-Watsonville, CA | 50 | $ 34,550,000 | $ 691,000 | $ 225,000 |
| Santa Rosa, CA | 45 | $ 18,215,000 | $ 404,777 | $ 151,000 |
| Napa, CA | 41 | $ 11,425,000 | $ 278,658 | $ 190,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 35 | $ 15,085,000 | $ 431,000 | $ 185,000 |
| San Rafael, CA | 35 | $ 17,095,000 | $ 488,428 | $ 263,000 |
| El Centro, CA | 9 | $ 985,000 | $ 109,444 | $ 84,000 |
| Durham-Chapel Hill, NC | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Oklahoma City, OK | 1 | $ 25,000 | $ 25,000 | $ 180,000 |
| St. Louis, MO-IL | 1 | $ 15,000 | $ 15,000 | $ 372,000 |
Mortgage Loan Application Detail Totals for The Golden 1 Credit Union in 2021
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 | 2,817 | $284,395,000 | $100,000 | $755,000 | $135,000 | $4,140,000 |
| Cash-out Refinancing | 2,640 | $750,370,000 | $284,000 | $2,405,000 | $119,000 | $2,040,000 |
| Refinancing | 2,392 | $806,300,000 | $337,000 | $3,865,000 | $140,000 | $3,345,000 |
| Home Purchase | 2,354 | $1,881,750,000 | $799,000 | $5,145,000 | $234,000 | $6,144,000 |
| Other Purpose | 1,154 | $133,060,000 | $115,000 | $1,475,000 | $145,000 | $5,424,000 |
| 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 | 4,374 | $1,337,080,000 | $305,000 | $5,145,000 | $156,000 | $4,200,000 |
| Not Provided | 2,718 | $843,990,000 | $310,000 | $4,005,000 | $154,000 | $5,424,000 |
| Hispanic | 1,811 | $410,035,000 | $226,000 | $2,005,000 | $108,000 | $1,477,000 |
| Asian | 1,736 | $1,015,100,000 | $584,000 | $3,975,000 | $199,000 | $6,144,000 |
| Black or African American | 455 | $121,865,000 | $267,000 | $2,685,000 | $128,000 | $1,477,000 |
| American Indian or Alaskan Native | 64 | $14,530,000 | $227,000 | $1,255,000 | $131,000 | $919,000 |
| Native Hawaiian or Other Pacific Islander | 58 | $12,780,000 | $220,000 | $545,000 | $102,000 | $259,000 |
| 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) | 11,271 | $3,828,465,000 | $339,000 | $5,145,000 | $154,000 | $6,144,000 |
| FHA-insured (Federal Housing Administration) | 86 | $27,410,000 | $318,000 | $985,000 | $92,000 | $378,000 |
| 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 | 6,307 | $2,451,925,000 | $388,000 | $3,975,000 | $160,000 | $2,650,000 |
| Application Denied By Financial Institution | 2,340 | $455,610,000 | $194,000 | $5,145,000 | $122,000 | $2,191,000 |
| Application Withdrawn By Applicant | 2,248 | $802,150,000 | $356,000 | $4,005,000 | $176,000 | $6,144,000 |
| File Closed For Incompleteness | 363 | $112,485,000 | $309,000 | $2,005,000 | $121,000 | $2,916,000 |
| Application Approved But Not Accepted | 99 | $33,705,000 | $340,000 | $3,085,000 | $127,000 | $505,000 |
| 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 | 9,017 | $3,400,265,000 | $377,000 | $4,005,000 | $162,000 | $6,144,000 |
| Debt-To-Income Ratio | 794 | $164,430,000 | $207,000 | $3,065,000 | $88,000 | $704,000 |
| Unverifiable Information | 675 | $137,375,000 | $203,000 | $2,405,000 | $131,000 | $1,530,000 |
| Collateral | 461 | $72,865,000 | $158,000 | $1,565,000 | $147,000 | $687,000 |
| Credit History | 274 | $41,500,000 | $151,000 | $995,000 | $130,000 | $960,000 |
| Other | 105 | $31,995,000 | $304,000 | $5,145,000 | $195,000 | $2,191,000 |
| Employment History | 25 | $4,835,000 | $193,000 | $1,055,000 | $127,000 | $372,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $2,610,000 | $435,000 | $1,225,000 | $115,000 | $194,000 |
| 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 2021 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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