The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2010
In 2010, The Golden 1 Credit Union of Sacramento, CA reported 5,719 mortgage applications totaling $1.1 billion, up 10% from 2009. The average application was for $185,727, and applicants reported an average income of $100,314. 27% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Sacramento--Arden-Arcade--Roseville, CA (3,201), Fresno, CA (334) and Oakland-Fremont-Hayward, CA (159) (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 | 5,719 |
| Total Mortgage Loan Application Amount | $1,062,178,000 |
| Average Mortgage Loan Application Amount | $185,727 |
| Highest Mortgage Loan Application Amount | $980,000 |
| Average Applicant Income | $100,314 |
| Highest Applicant Income | $2,179,000 |
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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,199 | $ 374,234,000 | $ 170,183 | $ 100,000 |
| Placer, California | 423 | $ 83,866,000 | $ 198,264 | $ 115,000 |
| Yolo, California | 359 | $ 75,527,000 | $ 210,381 | $ 107,000 |
| Fresno, California | 334 | $ 48,939,000 | $ 146,523 | $ 84,000 |
| El Dorado, California | 220 | $ 45,272,000 | $ 205,781 | $ 109,000 |
| Madera, California | 122 | $ 13,396,000 | $ 109,803 | $ 63,000 |
| Solano, California | 121 | $ 20,880,000 | $ 172,561 | $ 109,000 |
| San Luis Obispo, California | 112 | $ 26,027,000 | $ 232,383 | $ 100,000 |
| Alameda, California | 107 | $ 31,657,000 | $ 295,859 | $ 121,000 |
| Stanislaus, California | 102 | $ 14,865,000 | $ 145,735 | $ 119,000 |
| San Joaquin, California | 84 | $ 12,399,000 | $ 147,607 | $ 80,000 |
| Butte, California | 83 | $ 13,321,000 | $ 160,493 | $ 78,000 |
| Amador, California | 80 | $ 12,535,000 | $ 156,687 | $ 85,000 |
| Los Angeles, California | 59 | $ 14,048,000 | $ 238,101 | $ 112,000 |
| San Francisco, California | 59 | $ 20,335,000 | $ 344,661 | $ 148,000 |
| Contra Costa, California | 52 | $ 12,945,000 | $ 248,942 | $ 128,000 |
| Shasta, California | 50 | $ 6,926,000 | $ 138,520 | $ 93,000 |
| San Mateo, California | 44 | $ 14,900,000 | $ 338,636 | $ 129,000 |
| Kern, California | 43 | $ 5,671,000 | $ 131,883 | $ 98,000 |
| Kings, California | 40 | $ 5,439,000 | $ 135,975 | $ 76,000 |
| Lassen, California | 39 | $ 5,655,000 | $ 145,000 | $ 82,000 |
| Nevada, California | 39 | $ 9,707,000 | $ 248,897 | $ 113,000 |
| Sutter, California | 36 | $ 4,957,000 | $ 137,694 | $ 81,000 |
| Santa Barbara, California | 32 | $ 7,144,000 | $ 223,250 | $ 132,000 |
| Santa Clara, California | 32 | $ 8,214,000 | $ 256,687 | $ 131,000 |
| San Bernardino, California | 31 | $ 5,298,000 | $ 170,903 | $ 145,000 |
| Riverside, California | 30 | $ 5,311,000 | $ 177,033 | $ 132,000 |
| Monterey, California | 29 | $ 5,759,000 | $ 198,586 | $ 97,000 |
| Napa, California | 27 | $ 7,284,000 | $ 269,777 | $ 110,000 |
| Imperial, California | 25 | $ 3,572,000 | $ 142,880 | $ 94,000 |
| Merced, California | 24 | $ 3,456,000 | $ 144,000 | $ 148,000 |
| Tulare, California | 24 | $ 3,948,000 | $ 164,500 | $ 87,000 |
| Calaveras, California | 22 | $ 3,022,000 | $ 137,363 | $ 83,000 |
| Marin, California | 22 | $ 8,906,000 | $ 404,818 | $ 171,000 |
| Sonoma, California | 17 | $ 4,562,000 | $ 268,352 | $ 112,000 |
| Yuba, California | 15 | $ 2,362,000 | $ 157,466 | $ 72,000 |
| San Diego, California | 14 | $ 3,880,000 | $ 277,142 | $ 283,000 |
| Orange, California | 11 | $ 3,215,000 | $ 292,272 | $ 146,000 |
| Tuolumne, California | 8 | $ 1,043,000 | $ 130,375 | $ 75,000 |
| Ventura, California | 8 | $ 1,494,000 | $ 186,750 | $ 90,000 |
| Santa Cruz, California | 7 | $ 1,309,000 | $ 187,000 | $ 92,000 |
| Tehama, California | 7 | $ 1,488,000 | $ 212,571 | $ 94,000 |
| Colusa, California | 6 | $ 631,000 | $ 105,166 | $ 116,000 |
| Plumas, California | 6 | $ 825,000 | $ 137,500 | $ 86,000 |
| Lake, California | 5 | $ 941,000 | $ 188,200 | $ 58,000 |
| Mariposa, California | 5 | $ 895,000 | $ 179,000 | $ 97,000 |
| Mendocino, California | 4 | $ 718,000 | $ 179,500 | $ 134,000 |
| Siskiyou, California | 4 | $ 797,000 | $ 199,250 | $ 67,000 |
| Del Norte, California | 2 | $ 155,000 | $ 77,500 | $ 78,000 |
| Humboldt, California | 2 | $ 572,000 | $ 286,000 | $ 237,000 |
| Mono, California | 2 | $ 439,000 | $ 219,500 | $ 255,000 |
| Trinity, California | 2 | $ 258,000 | $ 129,000 | $ 89,000 |
| Glenn, California | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| San Benito, California | 1 | $ 180,000 | $ 180,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for The Golden 1 Credit Union in 2010
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 | 4,220 | $846,959,000 | $200,000 | $980,000 | $104,000 | $2,179,000 |
| Home Purchase | 870 | $166,618,000 | $191,000 | $730,000 | $87,000 | $860,000 |
| Home Improvement | 629 | $48,601,000 | $77,000 | $500,000 | $94,000 | $1,303,000 |
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 | 3,072 | $560,810,000 | $182,000 | $800,000 | $102,000 | $2,179,000 |
| Not Provided | 1,242 | $250,747,000 | $201,000 | $850,000 | $104,000 | $1,355,000 |
| Hispanic | 673 | $107,717,000 | $160,000 | $980,000 | $86,000 | $1,728,000 |
| Asian | 454 | $90,740,000 | $199,000 | $974,000 | $109,000 | $1,242,000 |
| Black or African American | 170 | $32,283,000 | $189,000 | $862,000 | $98,000 | $1,234,000 |
| Native Hawaiian or Other Pacific Islander | 74 | $14,032,000 | $189,000 | $479,000 | $81,000 | $264,000 |
| American Indian or Alaskan Native | 34 | $5,849,000 | $172,000 | $370,000 | $78,000 | $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) | 5,401 | $999,641,000 | $185,000 | $980,000 | $102,000 | $2,179,000 |
| FHA-insured (Federal Housing Administration) | 318 | $62,537,000 | $196,000 | $746,000 | $71,000 | $522,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 2,667 | $568,645,000 | $213,000 | $980,000 | $108,000 | $2,179,000 |
| Loan Originated | 1,524 | $252,683,000 | $165,000 | $722,000 | $98,000 | $716,000 |
| Application Denied By Financial Institution | 703 | $79,283,000 | $112,000 | $809,000 | $93,000 | $1,303,000 |
| Preapproval Approved but not Accepted | 363 | $77,470,000 | $213,000 | $730,000 | $84,000 | $415,000 |
| Application Approved But Not Accepted | 338 | $60,713,000 | $179,000 | $656,000 | $99,000 | $492,000 |
| Preapproval Denied by Financial Institution | 124 | $23,384,000 | $188,000 | $520,000 | $61,000 | $260,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 318 | $34,438,000 | $108,000 | $550,000 | $76,000 | $794,000 |
| Collateral | 226 | $31,238,000 | $138,000 | $784,000 | $109,000 | $578,000 |
| Credit History | 210 | $27,496,000 | $130,000 | $550,000 | $86,000 | $1,303,000 |
| Other | 39 | $3,826,000 | $98,000 | $344,000 | $93,000 | $260,000 |
| Unverifiable Information | 6 | $1,907,000 | $317,000 | $809,000 | $92,000 | $133,000 |
| Employment History | 4 | $122,000 | $30,000 | $60,000 | $62,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $379,000 | $189,000 | $271,000 | $67,000 | $94,000 |
| Mortgage Insurance Denied | 1 | $199,000 | $199,000 | $199,000 | $90,000 | $90,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Golden 1 Credit Union's 2010 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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