The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2009
In 2009, The Golden 1 Credit Union of Sacramento, CA reported 5,190 mortgage applications totaling $886.3 million, down 27% from 2008. The average application was for $170,767, and applicants reported an average income of $93,336. 32% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Sacramento--Arden-Arcade--Roseville, CA (2,982), Fresno, CA (315) and Oakland-Fremont-Hayward, CA (140) (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 | 5,190 |
| Total Mortgage Loan Application Amount | $886,283,000 |
| Average Mortgage Loan Application Amount | $170,767 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $93,336 |
| Highest Applicant Income | $5,013,000 |
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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,133 | $ 341,896,000 | $ 160,288 | $ 90,000 |
| Placer, California | 381 | $ 79,165,000 | $ 207,782 | $ 114,000 |
| Fresno, California | 315 | $ 39,738,000 | $ 126,152 | $ 86,000 |
| Yolo, California | 238 | $ 45,129,000 | $ 189,617 | $ 100,000 |
| El Dorado, California | 230 | $ 48,557,000 | $ 211,117 | $ 112,000 |
| Madera, California | 123 | $ 12,811,000 | $ 104,154 | $ 70,000 |
| Stanislaus, California | 100 | $ 10,672,000 | $ 106,720 | $ 81,000 |
| San Joaquin, California | 81 | $ 11,332,000 | $ 139,901 | $ 92,000 |
| Butte, California | 79 | $ 11,309,000 | $ 143,151 | $ 80,000 |
| Amador, California | 77 | $ 12,764,000 | $ 165,766 | $ 81,000 |
| Alameda, California | 76 | $ 18,379,000 | $ 241,828 | $ 111,000 |
| San Luis Obispo, California | 75 | $ 13,392,000 | $ 178,560 | $ 95,000 |
| San Francisco, California | 69 | $ 18,487,000 | $ 267,927 | $ 119,000 |
| Solano, California | 66 | $ 10,799,000 | $ 163,621 | $ 99,000 |
| Contra Costa, California | 64 | $ 13,915,000 | $ 217,421 | $ 109,000 |
| Shasta, California | 62 | $ 9,132,000 | $ 147,290 | $ 86,000 |
| Los Angeles, California | 52 | $ 11,208,000 | $ 215,538 | $ 104,000 |
| Lassen, California | 47 | $ 5,426,000 | $ 115,446 | $ 82,000 |
| Nevada, California | 43 | $ 6,971,000 | $ 162,116 | $ 92,000 |
| San Bernardino, California | 42 | $ 5,566,000 | $ 132,523 | $ 93,000 |
| Riverside, California | 34 | $ 4,739,000 | $ 139,382 | $ 93,000 |
| Kings, California | 32 | $ 3,800,000 | $ 118,750 | $ 83,000 |
| San Mateo, California | 29 | $ 7,449,000 | $ 256,862 | $ 109,000 |
| Santa Barbara, California | 29 | $ 7,100,000 | $ 244,827 | $ 114,000 |
| Tulare, California | 29 | $ 4,512,000 | $ 155,586 | $ 86,000 |
| Sutter, California | 27 | $ 3,948,000 | $ 146,222 | $ 100,000 |
| Kern, California | 25 | $ 5,027,000 | $ 201,080 | $ 133,000 |
| Santa Clara, California | 25 | $ 5,643,000 | $ 225,720 | $ 121,000 |
| Yuba, California | 22 | $ 3,379,000 | $ 153,590 | $ 73,000 |
| Calaveras, California | 19 | $ 3,297,000 | $ 173,526 | $ 74,000 |
| Sonoma, California | 18 | $ 4,363,000 | $ 242,388 | $ 129,000 |
| Merced, California | 17 | $ 2,368,000 | $ 139,294 | $ 61,000 |
| Monterey, California | 17 | $ 2,296,000 | $ 135,058 | $ 86,000 |
| Napa, California | 17 | $ 3,300,000 | $ 194,117 | $ 86,000 |
| Marin, California | 16 | $ 6,302,000 | $ 393,875 | $ 172,000 |
| Imperial, California | 15 | $ 1,162,000 | $ 77,466 | $ 89,000 |
| Tuolumne, California | 15 | $ 2,115,000 | $ 141,000 | $ 97,000 |
| Plumas, California | 12 | $ 1,152,000 | $ 96,000 | $ 92,000 |
| San Diego, California | 12 | $ 3,013,000 | $ 251,083 | $ 101,000 |
| Orange, California | 11 | $ 2,892,000 | $ 262,909 | $ 161,000 |
| Lake, California | 8 | $ 1,629,000 | $ 203,625 | $ 63,000 |
| Colusa, California | 7 | $ 1,084,000 | $ 154,857 | $ 85,000 |
| Ventura, California | 7 | $ 1,827,000 | $ 261,000 | $ 72,000 |
| Mendocino, California | 6 | $ 1,187,000 | $ 197,833 | $ 96,000 |
| Tehama, California | 6 | $ 987,000 | $ 164,500 | $ 89,000 |
| Del Norte, California | 5 | $ 658,000 | $ 131,600 | $ 79,000 |
| Glenn, California | 5 | $ 763,000 | $ 152,600 | $ 53,000 |
| Mariposa, California | 5 | $ 833,000 | $ 166,600 | $ 90,000 |
| Santa Cruz, California | 5 | $ 1,046,000 | $ 209,200 | $ 110,000 |
| Humboldt, California | 4 | $ 681,000 | $ 170,250 | $ 85,000 |
| Modoc, California | 1 | $ 110,000 | $ 110,000 | $ 61,000 |
| Mono, California | 1 | $ 240,000 | $ 240,000 | $ 135,000 |
| San Benito, California | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
| Sierra, California | 1 | $ 30,000 | $ 30,000 | $ 65,000 |
| Siskiyou, California | 1 | $ 59,000 | $ 59,000 | $ 71,000 |
| Trinity, California | 1 | $ 210,000 | $ 210,000 | $ 132,000 |
Mortgage Loan Application Detail Totals for The Golden 1 Credit Union in 2009
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 | 3,839 | $711,887,000 | $185,000 | $952,000 | $94,000 | $648,000 |
| Home Purchase | 859 | $152,875,000 | $177,000 | $1,500,000 | $94,000 | $5,013,000 |
| Home Improvement | 492 | $21,521,000 | $43,000 | $417,000 | $87,000 | $530,000 |
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 | 2,733 | $450,410,000 | $164,000 | $1,500,000 | $94,000 | $5,013,000 |
| Not Provided | 1,197 | $238,696,000 | $199,000 | $1,000,000 | $96,000 | $504,000 |
| Hispanic | 589 | $76,867,000 | $130,000 | $892,000 | $82,000 | $407,000 |
| Asian | 383 | $72,082,000 | $188,000 | $600,000 | $97,000 | $391,000 |
| Black or African American | 169 | $27,097,000 | $160,000 | $644,000 | $89,000 | $499,000 |
| Native Hawaiian or Other Pacific Islander | 64 | $10,620,000 | $165,000 | $450,000 | $80,000 | $269,000 |
| American Indian or Alaskan Native | 55 | $10,511,000 | $191,000 | $417,000 | $91,000 | $199,000 |
| 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) | 5,037 | $857,933,000 | $170,000 | $1,500,000 | $94,000 | $5,013,000 |
| FHA-insured (Federal Housing Administration) | 153 | $28,350,000 | $185,000 | $510,000 | $65,000 | $177,000 |
| 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 | 1,662 | $261,219,000 | $157,000 | $1,500,000 | $96,000 | $5,013,000 |
| Application Withdrawn By Applicant | 1,548 | $353,090,000 | $228,000 | $960,000 | $94,000 | $648,000 |
| Application Denied By Financial Institution | 1,162 | $119,528,000 | $102,000 | $952,000 | $88,000 | $504,000 |
| Application Approved But Not Accepted | 466 | $82,212,000 | $176,000 | $810,000 | $102,000 | $636,000 |
| Preapproval Approved but not Accepted | 254 | $51,276,000 | $201,000 | $1,000,000 | $80,000 | $384,000 |
| Preapproval Denied by Financial Institution | 98 | $18,958,000 | $193,000 | $1,000,000 | $72,000 | $288,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 452 | $60,129,000 | $133,000 | $570,000 | $98,000 | $504,000 |
| Debt-To-Income Ratio | 444 | $39,073,000 | $88,000 | $952,000 | $72,000 | $273,000 |
| Credit History | 229 | $23,456,000 | $102,000 | $818,000 | $86,000 | $240,000 |
| Other | 85 | $9,682,000 | $113,000 | $1,000,000 | $117,000 | $467,000 |
| Employment History | 7 | $372,000 | $53,000 | $165,000 | $63,000 | $146,000 |
| Unverifiable Information | 6 | $1,009,000 | $168,000 | $357,000 | $89,000 | $184,000 |
| Mortgage Insurance Denied | 4 | $965,000 | $241,000 | $293,000 | $90,000 | $114,000 |
| Credit Application Incomplete | 4 | $680,000 | $170,000 | $255,000 | $60,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $602,000 | $200,000 | $312,000 | $141,000 | $189,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Golden 1 Credit Union's 2009 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.
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with aggregated HMDA statistics today.
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