The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, The Golden 1 Credit Union of Sacramento, CA reported 11,697 mortgage applications totaling $4.0 billion, up 3% from 2021. The average application was for $342,432, and applicants reported an average income of $174,168. 58% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (5,084), Oakland-Hayward-Berkeley, CA (1,000) and San Jose-Sunnyvale-Santa Clara, CA (899) (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 | 11,697 |
| Total Mortgage Loan Application Amount | $4,005,435,000 |
| Average Mortgage Loan Application Amount | $342,432 |
| Highest Mortgage Loan Application Amount | $11,355,000 |
| Average Applicant Income | $174,168 |
| Highest Applicant Income | $7,002,000 |
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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 5,084 | $ 886,470,000 | $ 174,364 | $ 145,000 |
| Oakland-Hayward-Berkeley, CA | 1,000 | $ 765,850,000 | $ 765,850 | $ 254,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 899 | $ 968,475,000 | $ 1,077,280 | $ 336,000 |
| Stockton-Lodi, CA | 659 | $ 245,465,000 | $ 372,481 | $ 153,000 |
| Fresno, CA | 600 | $ 78,150,000 | $ 130,250 | $ 109,000 |
| Outside any metro area | 361 | $ 59,785,000 | $ 165,609 | $ 128,000 |
| Riverside-San Bernardino-Ontario, CA | 328 | $ 96,180,000 | $ 293,231 | $ 155,000 |
| Modesto, CA | 301 | $ 41,915,000 | $ 139,252 | $ 109,000 |
| San Francisco-Redwood City-South San Francisco, CA | 280 | $ 224,560,000 | $ 802,000 | $ 283,000 |
| Vallejo-Fairfield, CA | 261 | $ 49,545,000 | $ 189,827 | $ 140,000 |
| Los Angeles-Long Beach-Glendale, CA | 215 | $ 107,255,000 | $ 498,860 | $ 214,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 199 | $ 38,225,000 | $ 192,085 | $ 178,000 |
| Madera, CA | 184 | $ 22,920,000 | $ 124,565 | $ 100,000 |
| Anaheim-Santa Ana-Irvine, CA | 170 | $ 114,120,000 | $ 671,294 | $ 256,000 |
| Yuba City, CA | 166 | $ 19,680,000 | $ 118,554 | $ 115,000 |
| San Diego-Carlsbad, CA | 117 | $ 66,435,000 | $ 567,820 | $ 228,000 |
| Redding, CA | 109 | $ 12,765,000 | $ 117,110 | $ 117,000 |
| Salinas, CA | 109 | $ 30,465,000 | $ 279,495 | $ 208,000 |
| Chico, CA | 98 | $ 13,530,000 | $ 138,061 | $ 113,000 |
| Santa Maria-Santa Barbara, CA | 96 | $ 21,310,000 | $ 221,979 | $ 149,000 |
| Bakersfield, CA | 70 | $ 8,870,000 | $ 126,714 | $ 122,000 |
| Merced, CA | 65 | $ 10,025,000 | $ 154,230 | $ 112,000 |
| Napa, CA | 58 | $ 12,700,000 | $ 218,965 | $ 155,000 |
| Hanford-Corcoran, CA | 56 | $ 6,200,000 | $ 110,714 | $ 115,000 |
| Santa Cruz-Watsonville, CA | 56 | $ 41,030,000 | $ 732,678 | $ 267,000 |
| Visalia-Porterville, CA | 47 | $ 5,275,000 | $ 112,234 | $ 251,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 44 | $ 22,630,000 | $ 514,318 | $ 221,000 |
| Santa Rosa, CA | 37 | $ 15,665,000 | $ 423,378 | $ 204,000 |
| San Rafael, CA | 24 | $ 19,540,000 | $ 814,166 | $ 319,000 |
| El Centro, CA | 4 | $ 400,000 | $ 100,000 | $ 102,000 |
Mortgage Loan Application Detail Totals for The Golden 1 Credit Union in 2022
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 | 4,765 | $524,545,000 | $110,000 | $1,005,000 | $150,000 | $5,304,000 |
| Home Purchase | 2,836 | $2,604,780,000 | $918,000 | $5,005,000 | $264,000 | $2,968,000 |
| Other Purpose | 1,976 | $212,320,000 | $107,000 | $935,000 | $138,000 | $3,720,000 |
| Cash-out Refinancing | 1,689 | $456,315,000 | $270,000 | $3,605,000 | $140,000 | $7,002,000 |
| Refinancing | 431 | $207,475,000 | $481,000 | $11,355,000 | $150,000 | $763,000 |
| 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 | 4,535 | $1,172,065,000 | $258,000 | $4,005,000 | $171,000 | $5,304,000 |
| Not Provided | 2,311 | $693,895,000 | $300,000 | $4,805,000 | $159,000 | $1,952,000 |
| Asian | 2,148 | $1,425,060,000 | $663,000 | $5,005,000 | $233,000 | $2,552,000 |
| Hispanic | 1,796 | $320,400,000 | $178,000 | $3,835,000 | $128,000 | $7,002,000 |
| Black or African American | 461 | $99,235,000 | $215,000 | $2,785,000 | $135,000 | $1,108,000 |
| American Indian or Alaskan Native | 74 | $12,760,000 | $172,000 | $3,055,000 | $157,000 | $1,353,000 |
| Native Hawaiian or Other Pacific Islander | 62 | $14,170,000 | $228,000 | $925,000 | $125,000 | $428,000 |
| Not applicable | 2 | $12,610,000 | $6,305,000 | $11,355,000 | $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) | 11,641 | $3,982,965,000 | $342,000 | $11,355,000 | $175,000 | $7,002,000 |
| FHA-insured (Federal Housing Administration) | 56 | $22,470,000 | $401,000 | $985,000 | $104,000 | $222,000 |
| 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 | 6,793 | $2,645,955,000 | $389,000 | $4,415,000 | $187,000 | $5,304,000 |
| Application Denied By Financial Institution | 2,931 | $512,695,000 | $174,000 | $5,005,000 | $139,000 | $2,568,000 |
| Application Withdrawn By Applicant | 1,781 | $793,285,000 | $445,000 | $11,355,000 | $190,000 | $7,002,000 |
| Application Approved But Not Accepted | 100 | $26,520,000 | $265,000 | $1,405,000 | $163,000 | $1,194,000 |
| File Closed For Incompleteness | 92 | $26,980,000 | $293,000 | $1,085,000 | $104,000 | $541,000 |
| 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 | 8,766 | $3,492,740,000 | $398,000 | $11,355,000 | $186,000 | $7,002,000 |
| Debt-To-Income Ratio | 1,044 | $206,410,000 | $197,000 | $4,805,000 | $105,000 | $825,000 |
| Unverifiable Information | 741 | $126,835,000 | $171,000 | $2,585,000 | $154,000 | $1,800,000 |
| Collateral | 551 | $70,535,000 | $128,000 | $2,725,000 | $159,000 | $964,000 |
| Credit History | 398 | $54,090,000 | $135,000 | $3,005,000 | $139,000 | $2,568,000 |
| Other | 167 | $47,845,000 | $286,000 | $5,005,000 | $215,000 | $1,646,000 |
| Employment History | 26 | $3,960,000 | $152,000 | $1,125,000 | $92,000 | $249,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $3,020,000 | $755,000 | $1,475,000 | $223,000 | $468,000 |
| 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 2022 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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