The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2003
In 2003, The Golden 1 Credit Union of Sacramento, CA reported 18,774 mortgage applications totaling $1.5 billion. The average application was for $77,836, and applicants reported an average income of $80,613. 65% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Sacramento, CA (10,968), Fresno, CA (1,703) and Yolo, CA (758) (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 | 18,774 |
| Total Mortgage Loan Application Amount | $1,461,294,000 |
| Average Mortgage Loan Application Amount | $77,836 |
| Highest Mortgage Loan Application Amount | $999,000 |
| Average Applicant Income | $80,613 |
| Highest Applicant Income | $972,000 |
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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 8,937 | $ 704,811,000 | $ 78,864 | $ 68,000 |
| Placer, California | 1,458 | $ 125,597,000 | $ 86,143 | $ 95,000 |
| Fresno, California | 1,293 | $ 79,337,000 | $ 61,358 | $ 75,000 |
| Yolo, California | 758 | $ 71,645,000 | $ 94,518 | $ 83,000 |
| El Dorado, California | 573 | $ 53,372,000 | $ 93,144 | $ 96,000 |
| Stanislaus, California | 494 | $ 32,904,000 | $ 66,607 | $ 80,000 |
| Solano, California | 452 | $ 37,668,000 | $ 83,336 | $ 80,000 |
| Madera, California | 410 | $ 25,454,000 | $ 62,082 | $ 63,000 |
| San Joaquin, California | 371 | $ 25,633,000 | $ 69,091 | $ 76,000 |
| San Luis Obispo, California | 321 | $ 27,502,000 | $ 85,676 | $ 82,000 |
| Butte, California | 215 | $ 15,808,000 | $ 73,525 | $ 69,000 |
| Shasta, California | 213 | $ 14,344,000 | $ 67,342 | $ 76,000 |
| Amador, California | 195 | $ 15,658,000 | $ 80,297 | $ 74,000 |
| Sutter, California | 160 | $ 11,576,000 | $ 72,350 | $ 70,000 |
| Alameda, California | 158 | $ 16,938,000 | $ 107,202 | $ 99,000 |
| Lassen, California | 158 | $ 9,138,000 | $ 57,835 | $ 69,000 |
| Contra Costa, California | 156 | $ 14,590,000 | $ 93,525 | $ 94,000 |
| Kern, California | 143 | $ 7,453,000 | $ 52,118 | $ 78,000 |
| Kings, California | 138 | $ 6,888,000 | $ 49,913 | $ 72,000 |
| San Bernardino, California | 131 | $ 9,220,000 | $ 70,381 | $ 94,000 |
| Riverside, California | 117 | $ 7,310,000 | $ 62,478 | $ 73,000 |
| Santa Barbara, California | 117 | $ 10,189,000 | $ 87,085 | $ 83,000 |
| Nevada, California | 109 | $ 11,081,000 | $ 101,660 | $ 98,000 |
| Los Angeles, California | 107 | $ 7,781,000 | $ 72,719 | $ 86,000 |
| San Francisco, California | 99 | $ 11,806,000 | $ 119,252 | $ 104,000 |
| Tulare, California | 95 | $ 6,015,000 | $ 63,315 | $ 78,000 |
| Napa, California | 91 | $ 7,994,000 | $ 87,846 | $ 78,000 |
| Imperial, California | 83 | $ 5,521,000 | $ 66,518 | $ 86,000 |
| Merced, California | 64 | $ 4,022,000 | $ 62,843 | $ 65,000 |
| San Mateo, California | 63 | $ 7,010,000 | $ 111,269 | $ 104,000 |
| Yuba, California | 57 | $ 3,426,000 | $ 60,105 | $ 74,000 |
| San Diego, California | 50 | $ 5,387,000 | $ 107,740 | $ 79,000 |
| Sonoma, California | 50 | $ 5,116,000 | $ 102,320 | $ 90,000 |
| Calaveras, California | 46 | $ 3,984,000 | $ 86,608 | $ 71,000 |
| Orange, California | 45 | $ 7,712,000 | $ 171,377 | $ 105,000 |
| Santa Clara, California | 40 | $ 4,112,000 | $ 102,800 | $ 114,000 |
| Tuolumne, California | 38 | $ 2,331,000 | $ 61,342 | $ 62,000 |
| Ventura, California | 33 | $ 3,001,000 | $ 90,939 | $ 104,000 |
| Tehama, California | 24 | $ 1,807,000 | $ 75,291 | $ 65,000 |
| Monterey, California | 23 | $ 2,298,000 | $ 99,913 | $ 109,000 |
| Marin, California | 20 | $ 1,958,000 | $ 97,900 | $ 97,000 |
| Del Norte, California | 15 | $ 1,023,000 | $ 68,200 | $ 86,000 |
| Mariposa, California | 14 | $ 1,320,000 | $ 94,285 | $ 68,000 |
| Mendocino, California | 13 | $ 1,540,000 | $ 118,461 | $ 79,000 |
| Plumas, California | 11 | $ 979,000 | $ 89,000 | $ 84,000 |
| Glenn, California | 8 | $ 521,000 | $ 65,125 | $ 62,000 |
| Colusa, California | 7 | $ 570,000 | $ 81,428 | $ 77,000 |
| Humboldt, California | 7 | $ 672,000 | $ 96,000 | $ 67,000 |
| Santa Cruz, California | 7 | $ 1,653,000 | $ 236,142 | $ 109,000 |
| Siskiyou, California | 6 | $ 807,000 | $ 134,500 | $ 70,000 |
| Trinity, California | 5 | $ 337,000 | $ 67,400 | $ 98,000 |
| Sierra, California | 4 | $ 242,000 | $ 60,500 | $ 43,000 |
| Lake, California | 3 | $ 145,000 | $ 48,333 | $ 96,000 |
| San Benito, California | 3 | $ 498,000 | $ 166,000 | $ 66,000 |
| Alpine, California | 2 | $ 129,000 | $ 64,500 | $ 67,000 |
| Mono, California | 2 | $ 270,000 | $ 135,000 | $ 80,000 |
| Inyo, California | 1 | $ 65,000 | $ 65,000 | $ 64,000 |
| Modoc, California | 1 | $ 16,000 | $ 16,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for The Golden 1 Credit Union in 2003
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 (one-to-four family) | 11,389 | $523,263,000 | $43,500 | $325,000 | $78,000 | $953,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 6,293 | $805,748,000 | $85,000 | $999,000 | $71,500 | $972,000 |
| Home Purchase (one-to-four family) | 1,092 | $132,283,000 | $95,000 | $980,000 | $79,000 | $557,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 |
|---|---|---|---|---|---|---|
| Information not provided by applicant in mail or telephone application | 8,893 | $585,907,000 | $54,000 | $999,000 | $73,500 | $953,000 |
| White | 6,494 | $593,491,000 | $65,000 | $980,000 | $77,000 | $972,000 |
| Hispanic | 1,604 | $123,164,000 | $53,000 | $460,000 | $67,000 | $840,000 |
| Asian or Pacific Islander | 854 | $70,235,000 | $70,500 | $467,000 | $74,000 | $414,000 |
| Black | 534 | $48,537,000 | $79,000 | $337,000 | $101,000 | $358,000 |
| Other | 310 | $32,012,000 | $103,000 | $517,000 | $83,000 | $386,000 |
| American Indian or Alaskan Native | 85 | $7,948,000 | $96,500 | $315,000 | $61,000 | $290,000 |
| 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) | 18,736 | $1,459,234,000 | $59,500 | $999,000 | $76,000 | $972,000 |
| VA-guaranteed (Veterans Administration) | 22 | $1,060,000 | $48,000 | $112,000 | $69,000 | $117,000 |
| FHA-insured (Federal Housing Administration) | 13 | $900,000 | $69,000 | $226,000 | $76,000 | $245,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $100,000 | $33,000 | $40,000 | $94,000 | $159,000 |
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 | 12,256 | $931,615,000 | $57,500 | $700,000 | $82,000 | $953,000 |
| Application Denied By Financial Institution | 3,709 | $278,408,000 | $62,500 | $980,000 | $71,500 | $972,000 |
| Application Approved But Not Accepted | 2,677 | $233,372,000 | $62,500 | $999,000 | $74,500 | $922,000 |
| Application Withdrawn By Applicant | 116 | $15,197,000 | $83,000 | $900,000 | $76,500 | $420,000 |
| File Closed For Incompleteness | 16 | $2,702,000 | $168,000 | $334,000 | $70,000 | $132,000 |
| Loan Purchased By The 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 | 127 | $12,225,000 | $96,000 | $620,000 | $66,000 | $235,000 |
| Credit History | 52 | $4,145,000 | $57,500 | $252,000 | $63,500 | $207,000 |
| Collateral | 28 | $1,492,000 | $53,000 | $250,000 | $82,000 | $170,000 |
| Other | 8 | $660,000 | $55,500 | $250,000 | $76,000 | $99,000 |
| Mortgage Insurance Denied | 2 | $127,000 | $63,000 | $77,000 | $54,000 | $63,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $111,000 | $111,000 | $111,000 | $110,000 | $110,000 |
| Credit Application Incomplete | 1 | $40,000 | $40,000 | $40,000 | $53,000 | $53,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Golden 1 Credit Union's 2003 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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