The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, The Golden 1 Credit Union of Sacramento, CA reported 8,299 mortgage applications totaling $2.3 billion, down 6% from 2023. The average application was for $274,628, and applicants reported an average income of $171,114. 54% of its applications resulted in an originated loan and 34% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (3,495), Fresno, CA (755) and Oakland-Hayward-Berkeley, CA (606) (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 | 8,299 |
| Total Mortgage Loan Application Amount | $2,279,145,000 |
| Average Mortgage Loan Application Amount | $274,628 |
| Highest Mortgage Loan Application Amount | $13,505,000 |
| Average Applicant Income | $171,114 |
| Highest Applicant Income | $3,000,000 |
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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,495 | $ 529,055,000 | $ 151,374 | $ 147,000 |
| Fresno, CA | 755 | $ 94,455,000 | $ 125,105 | $ 117,000 |
| Oakland-Hayward-Berkeley, CA | 606 | $ 450,150,000 | $ 742,821 | $ 292,000 |
| Stockton-Lodi, CA | 449 | $ 97,605,000 | $ 217,383 | $ 147,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 415 | $ 350,605,000 | $ 844,831 | $ 338,000 |
| Outside any metro area | 278 | $ 38,240,000 | $ 137,553 | $ 125,000 |
| Modesto, CA | 264 | $ 40,800,000 | $ 154,545 | $ 123,000 |
| Riverside-San Bernardino-Ontario, CA | 253 | $ 65,235,000 | $ 257,845 | $ 139,000 |
| Los Angeles-Long Beach-Glendale, CA | 198 | $ 160,840,000 | $ 812,323 | $ 244,000 |
| Vallejo-Fairfield, CA | 186 | $ 29,190,000 | $ 156,935 | $ 157,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 185 | $ 36,975,000 | $ 199,864 | $ 181,000 |
| San Francisco-Redwood City-South San Francisco, CA | 149 | $ 93,575,000 | $ 628,020 | $ 327,000 |
| Yuba City, CA | 140 | $ 19,910,000 | $ 142,214 | $ 123,000 |
| San Diego-Carlsbad, CA | 88 | $ 62,870,000 | $ 714,431 | $ 232,000 |
| Santa Maria-Santa Barbara, CA | 87 | $ 35,425,000 | $ 407,183 | $ 201,000 |
| Chico, CA | 85 | $ 9,835,000 | $ 115,705 | $ 119,000 |
| Redding, CA | 82 | $ 8,120,000 | $ 99,024 | $ 109,000 |
| Salinas, CA | 81 | $ 16,725,000 | $ 206,481 | $ 168,000 |
| Anaheim-Santa Ana-Irvine, CA | 76 | $ 42,800,000 | $ 563,157 | $ 296,000 |
| Merced, CA | 73 | $ 9,875,000 | $ 135,273 | $ 110,000 |
| Bakersfield, CA | 71 | $ 8,555,000 | $ 120,492 | $ 123,000 |
| Visalia-Porterville, CA | 68 | $ 7,490,000 | $ 110,147 | $ 114,000 |
| Hanford-Corcoran, CA | 57 | $ 6,565,000 | $ 115,175 | $ 111,000 |
| Napa, CA | 43 | $ 9,825,000 | $ 228,488 | $ 134,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 28 | $ 10,040,000 | $ 358,571 | $ 171,000 |
| San Rafael, CA | 28 | $ 11,190,000 | $ 399,642 | $ 267,000 |
| Santa Rosa, CA | 28 | $ 10,460,000 | $ 373,571 | $ 184,000 |
| Santa Cruz-Watsonville, CA | 22 | $ 17,050,000 | $ 775,000 | $ 282,000 |
| El Centro, CA | 8 | $ 5,630,000 | $ 703,750 | $ 118,000 |
| Reno, NV | 1 | $ 55,000 | $ 55,000 | $ 240,000 |
Mortgage Loan Application Detail Totals for The Golden 1 Credit Union in 2024
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 | 3,151 | $370,775,000 | $117,000 | $1,055,000 | $151,000 | $2,744,000 |
| Other Purpose | 1,966 | $197,770,000 | $100,000 | $1,285,000 | $136,000 | $3,000,000 |
| Cash-out Refinancing | 1,397 | $334,975,000 | $239,000 | $10,505,000 | $159,000 | $1,892,000 |
| Home Purchase | 1,256 | $892,770,000 | $710,000 | $5,805,000 | $245,000 | $2,957,000 |
| Refinancing | 529 | $482,855,000 | $912,000 | $13,505,000 | $278,000 | $2,643,000 |
| 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 | 3,019 | $626,985,000 | $207,000 | $3,055,000 | $166,000 | $2,744,000 |
| Hispanic | 1,858 | $279,900,000 | $150,000 | $1,745,000 | $132,000 | $3,000,000 |
| Not Provided | 1,453 | $362,725,000 | $249,000 | $10,005,000 | $176,000 | $2,957,000 |
| Asian | 1,413 | $758,205,000 | $536,000 | $4,005,000 | $242,000 | $945,000 |
| Black or African American | 387 | $62,105,000 | $160,000 | $1,955,000 | $129,000 | $698,000 |
| American Indian or Alaskan Native | 65 | $11,685,000 | $179,000 | $1,945,000 | $137,000 | $665,000 |
| Native Hawaiian or Other Pacific Islander | 54 | $6,250,000 | $115,000 | $445,000 | $113,000 | $391,000 |
| Not applicable | 50 | $171,290,000 | $3,425,000 | $13,505,000 | $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) | 8,191 | $2,233,165,000 | $272,000 | $13,505,000 | $171,000 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 108 | $45,980,000 | $425,000 | $1,055,000 | $117,000 | $339,000 |
| 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 | 4,443 | $1,434,155,000 | $322,000 | $13,505,000 | $182,000 | $1,594,000 |
| Application Denied By Financial Institution | 2,798 | $461,680,000 | $165,000 | $4,005,000 | $144,000 | $3,000,000 |
| Application Withdrawn By Applicant | 903 | $341,915,000 | $378,000 | $4,005,000 | $196,000 | $2,957,000 |
| Application Approved But Not Accepted | 100 | $23,730,000 | $237,000 | $1,795,000 | $166,000 | $600,000 |
| File Closed For Incompleteness | 55 | $17,665,000 | $321,000 | $1,955,000 | $160,000 | $808,000 |
| 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 | 5,501 | $1,817,465,000 | $330,000 | $13,505,000 | $184,000 | $2,957,000 |
| Debt-To-Income Ratio | 1,130 | $198,250,000 | $175,000 | $4,005,000 | $105,000 | $789,000 |
| Credit History | 480 | $68,020,000 | $141,000 | $2,245,000 | $166,000 | $2,400,000 |
| Unverifiable Information | 397 | $57,995,000 | $146,000 | $1,105,000 | $157,000 | $856,000 |
| Collateral | 391 | $64,435,000 | $164,000 | $1,395,000 | $195,000 | $3,000,000 |
| Other | 370 | $62,330,000 | $168,000 | $3,055,000 | $166,000 | $2,744,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $7,695,000 | $452,000 | $1,205,000 | $205,000 | $753,000 |
| Employment History | 13 | $2,955,000 | $227,000 | $955,000 | $103,000 | $317,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Golden 1 Credit Union's 2024 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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