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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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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