The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2016
In 2016, The Golden 1 Credit Union of Sacramento, CA reported 7,564 mortgage applications totaling $1.9 billion, up 16% from 2015. The average application was for $246,336, and applicants reported an average income of $107,823. 57% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (4,250), Fresno, CA (456) and Stockton-Lodi, CA (358) (applications in parentheses).
| Mortgage Company & Address | The Golden 1 Credit Union 8945 Cal Center Drive Sacramento, CA 95826 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 7,564 |
| Total Mortgage Loan Application Amount | $1,863,286,000 |
| Average Mortgage Loan Application Amount | $246,336 |
| Highest Mortgage Loan Application Amount | $2,900,000 |
| Average Applicant Income | $107,823 |
| Highest Applicant Income | $4,784,000 |
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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sacramento, California | 2,909 | $ 635,873,000 | $ 218,588 | $ 100,000 |
| Placer, California | 707 | $ 191,630,000 | $ 271,046 | $ 118,000 |
| Fresno, California | 456 | $ 76,083,000 | $ 166,848 | $ 83,000 |
| Yolo, California | 370 | $ 91,019,000 | $ 245,997 | $ 107,000 |
| San Joaquin, California | 358 | $ 73,703,000 | $ 205,874 | $ 94,000 |
| El Dorado, California | 264 | $ 76,050,000 | $ 288,068 | $ 144,000 |
| Stanislaus, California | 235 | $ 39,973,000 | $ 170,097 | $ 83,000 |
| Solano, California | 221 | $ 53,126,000 | $ 240,389 | $ 107,000 |
| Madera, California | 182 | $ 26,467,000 | $ 145,423 | $ 67,000 |
| Santa Clara, California | 173 | $ 98,567,000 | $ 569,751 | $ 211,000 |
| Alameda, California | 139 | $ 57,532,000 | $ 413,899 | $ 143,000 |
| San Luis Obispo, California | 117 | $ 31,706,000 | $ 270,991 | $ 106,000 |
| Los Angeles, California | 104 | $ 48,217,000 | $ 463,625 | $ 150,000 |
| Amador, California | 90 | $ 16,330,000 | $ 181,444 | $ 88,000 |
| Orange, California | 90 | $ 50,799,000 | $ 564,433 | $ 178,000 |
| Contra Costa, California | 88 | $ 34,303,000 | $ 389,806 | $ 157,000 |
| Merced, California | 73 | $ 10,836,000 | $ 148,438 | $ 82,000 |
| Shasta, California | 71 | $ 13,333,000 | $ 187,788 | $ 88,000 |
| Riverside, California | 70 | $ 17,675,000 | $ 252,500 | $ 111,000 |
| Butte, California | 55 | $ 10,195,000 | $ 185,363 | $ 96,000 |
| Nevada, California | 55 | $ 12,268,000 | $ 223,054 | $ 109,000 |
| San Francisco, California | 52 | $ 24,624,000 | $ 473,538 | $ 148,000 |
| San Bernardino, California | 51 | $ 12,326,000 | $ 241,686 | $ 105,000 |
| San Mateo, California | 50 | $ 25,406,000 | $ 508,120 | $ 151,000 |
| Sutter, California | 46 | $ 7,415,000 | $ 161,195 | $ 92,000 |
| Monterey, California | 45 | $ 12,427,000 | $ 276,155 | $ 115,000 |
| Napa, California | 42 | $ 10,902,000 | $ 259,571 | $ 97,000 |
| Yuba, California | 40 | $ 7,385,000 | $ 184,625 | $ 88,000 |
| Kern, California | 39 | $ 5,082,000 | $ 130,307 | $ 77,000 |
| Sonoma, California | 35 | $ 14,239,000 | $ 406,828 | $ 158,000 |
| Santa Barbara, California | 33 | $ 11,333,000 | $ 343,424 | $ 139,000 |
| Calaveras, California | 31 | $ 5,419,000 | $ 174,806 | $ 76,000 |
| Kings, California | 31 | $ 5,278,000 | $ 170,258 | $ 90,000 |
| San Diego, California | 28 | $ 11,325,000 | $ 404,464 | $ 148,000 |
| Tulare, California | 27 | $ 4,034,000 | $ 149,407 | $ 98,000 |
| Lassen, California | 26 | $ 3,689,000 | $ 141,884 | $ 101,000 |
| Tuolumne, California | 20 | $ 4,064,000 | $ 203,200 | $ 93,000 |
| Imperial, California | 19 | $ 3,092,000 | $ 162,736 | $ 81,000 |
| Marin, California | 14 | $ 7,277,000 | $ 519,785 | $ 200,000 |
| Plumas, California | 13 | $ 1,728,000 | $ 132,923 | $ 98,000 |
| San Benito, California | 12 | $ 3,005,000 | $ 250,416 | $ 108,000 |
| Tehama, California | 12 | $ 1,970,000 | $ 164,166 | $ 97,000 |
| Mariposa, California | 9 | $ 1,303,000 | $ 144,777 | $ 73,000 |
| Santa Cruz, California | 9 | $ 3,671,000 | $ 407,888 | $ 157,000 |
| Siskiyou, California | 8 | $ 1,436,000 | $ 179,500 | $ 220,000 |
| Ventura, California | 8 | $ 1,671,000 | $ 208,875 | $ 111,000 |
| Colusa, California | 7 | $ 957,000 | $ 136,714 | $ 63,000 |
| Glenn, California | 6 | $ 902,000 | $ 150,333 | $ 58,000 |
| Humboldt, California | 6 | $ 1,564,000 | $ 260,666 | $ 117,000 |
| Lake, California | 6 | $ 1,500,000 | $ 250,000 | $ 89,000 |
| Del Norte, California | 3 | $ 557,000 | $ 185,666 | $ 110,000 |
| Mendocino, California | 3 | $ 852,000 | $ 284,000 | $ 123,000 |
| Trinity, California | 2 | $ 151,000 | $ 75,500 | $ 199,000 |
| Jefferson, Alabama | 1 | $ 1,000 | $ 1,000 | $ 10,000 |
| Clark, Nevada | 1 | $ 400,000 | $ 400,000 | $ 100,000 |
| Smith, Texas | 1 | $ 266,000 | $ 266,000 | $ 109,000 |
Mortgage Loan Application Detail Totals for The Golden 1 Credit Union in 2016
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 | 4,515 | $1,069,513,000 | $236,000 | $2,900,000 | $103,000 | $1,165,000 |
| Home Improvement | 1,528 | $269,633,000 | $176,000 | $940,000 | $100,000 | $800,000 |
| Home Purchase | 1,521 | $524,140,000 | $344,000 | $1,996,000 | $130,000 | $4,784,000 |
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 | 2,897 | $756,954,000 | $261,000 | $2,900,000 | $114,000 | $1,165,000 |
| Not Provided | 2,605 | $614,220,000 | $235,000 | $1,450,000 | $105,000 | $3,500,000 |
| Hispanic | 1,060 | $215,480,000 | $203,000 | $1,996,000 | $90,000 | $500,000 |
| Asian | 600 | $180,191,000 | $300,000 | $1,500,000 | $124,000 | $4,784,000 |
| Black or African American | 226 | $56,178,000 | $248,000 | $923,000 | $106,000 | $425,000 |
| Native Hawaiin or Other Pacific Islander | 117 | $29,484,000 | $252,000 | $1,449,000 | $106,000 | $662,000 |
| American Indian or Alaskan Native | 59 | $10,779,000 | $182,000 | $648,000 | $87,000 | $405,000 |
| 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) | 7,564 | $1,863,286,000 | $246,000 | $2,900,000 | $108,000 | $4,784,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 4,279 | $1,080,264,000 | $252,000 | $1,500,000 | $111,000 | $3,500,000 |
| Application Withdrawn By Applicant | 1,544 | $378,762,000 | $245,000 | $1,500,000 | $112,000 | $4,784,000 |
| Application Denied By Financial Institution | 1,134 | $257,521,000 | $227,000 | $2,900,000 | $91,000 | $688,000 |
| File Closed For Incompleteness | 372 | $88,093,000 | $236,000 | $1,125,000 | $100,000 | $520,000 |
| Application Approved But Not Accepted | 235 | $58,646,000 | $249,000 | $1,996,000 | $117,000 | $590,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 372 | $95,840,000 | $257,000 | $2,900,000 | $65,000 | $458,000 |
| Credit History | 309 | $71,006,000 | $229,000 | $1,280,000 | $105,000 | $468,000 |
| Collateral | 305 | $62,029,000 | $203,000 | $1,000,000 | $109,000 | $688,000 |
| Other | 70 | $13,104,000 | $187,000 | $1,155,000 | $103,000 | $414,000 |
| Credit Application Incomplete | 26 | $5,113,000 | $196,000 | $400,000 | $100,000 | $208,000 |
| Unverifiable Information | 24 | $5,205,000 | $216,000 | $504,000 | $84,000 | $236,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $3,334,000 | $238,000 | $689,000 | $77,000 | $154,000 |
| Employment History | 13 | $1,649,000 | $126,000 | $300,000 | $52,000 | $71,000 |
| Mortgage Insurance Denied | 1 | $241,000 | $241,000 | $241,000 | $139,000 | $139,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Golden 1 Credit Union's 2016 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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