The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2012
In 2012, The Golden 1 Credit Union of Sacramento, CA reported 5,489 mortgage applications totaling $1.0 billion, down 7% from 2011. The average application was for $186,447, and applicants reported an average income of $99,642. 45% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Sacramento--Arden-Arcade--Roseville, CA (3,485), Fresno, CA (309) and Oakland-Fremont-Hayward, CA (144) (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 | 5,489 |
| Total Mortgage Loan Application Amount | $1,023,408,000 |
| Average Mortgage Loan Application Amount | $186,447 |
| Highest Mortgage Loan Application Amount | $1,009,000 |
| Average Applicant Income | $99,642 |
| Highest Applicant Income | $1,068,000 |
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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,446 | $ 429,767,000 | $ 175,701 | $ 98,000 |
| Placer, California | 506 | $ 103,152,000 | $ 203,857 | $ 105,000 |
| Fresno, California | 309 | $ 44,380,000 | $ 143,624 | $ 87,000 |
| Yolo, California | 294 | $ 62,789,000 | $ 213,568 | $ 107,000 |
| El Dorado, California | 239 | $ 54,013,000 | $ 225,995 | $ 108,000 |
| San Luis Obispo, California | 117 | $ 27,541,000 | $ 235,393 | $ 101,000 |
| San Joaquin, California | 100 | $ 15,550,000 | $ 155,500 | $ 91,000 |
| Solano, California | 98 | $ 18,494,000 | $ 188,714 | $ 102,000 |
| Stanislaus, California | 98 | $ 14,409,000 | $ 147,030 | $ 86,000 |
| Alameda, California | 89 | $ 22,938,000 | $ 257,730 | $ 106,000 |
| Madera, California | 85 | $ 11,977,000 | $ 140,905 | $ 85,000 |
| Shasta, California | 79 | $ 12,588,000 | $ 159,341 | $ 92,000 |
| Butte, California | 75 | $ 11,308,000 | $ 150,773 | $ 81,000 |
| Amador, California | 69 | $ 10,802,000 | $ 156,550 | $ 85,000 |
| San Francisco, California | 59 | $ 17,176,000 | $ 291,118 | $ 130,000 |
| Nevada, California | 57 | $ 11,315,000 | $ 198,508 | $ 106,000 |
| Contra Costa, California | 55 | $ 13,273,000 | $ 241,327 | $ 112,000 |
| Kings, California | 49 | $ 6,528,000 | $ 133,224 | $ 91,000 |
| Santa Barbara, California | 48 | $ 13,617,000 | $ 283,687 | $ 114,000 |
| Napa, California | 46 | $ 9,783,000 | $ 212,673 | $ 91,000 |
| Los Angeles, California | 44 | $ 12,869,000 | $ 292,477 | $ 116,000 |
| San Bernardino, California | 42 | $ 8,008,000 | $ 190,666 | $ 100,000 |
| Monterey, California | 40 | $ 8,863,000 | $ 221,575 | $ 100,000 |
| San Mateo, California | 36 | $ 11,352,000 | $ 315,333 | $ 140,000 |
| Kern, California | 33 | $ 4,816,000 | $ 145,939 | $ 97,000 |
| Lassen, California | 32 | $ 3,712,000 | $ 116,000 | $ 92,000 |
| Riverside, California | 32 | $ 4,912,000 | $ 153,500 | $ 92,000 |
| Sutter, California | 32 | $ 4,884,000 | $ 152,625 | $ 113,000 |
| Calaveras, California | 28 | $ 4,068,000 | $ 145,285 | $ 103,000 |
| Santa Clara, California | 25 | $ 6,257,000 | $ 250,280 | $ 115,000 |
| Yuba, California | 25 | $ 3,234,000 | $ 129,360 | $ 85,000 |
| San Diego, California | 20 | $ 4,984,000 | $ 249,200 | $ 83,000 |
| Tulare, California | 20 | $ 2,992,000 | $ 149,600 | $ 87,000 |
| Marin, California | 17 | $ 5,723,000 | $ 336,647 | $ 133,000 |
| Merced, California | 17 | $ 2,519,000 | $ 148,176 | $ 92,000 |
| Tuolumne, California | 13 | $ 2,010,000 | $ 154,615 | $ 95,000 |
| Imperial, California | 12 | $ 1,488,000 | $ 124,000 | $ 107,000 |
| Plumas, California | 11 | $ 1,558,000 | $ 141,636 | $ 82,000 |
| Sonoma, California | 10 | $ 2,541,000 | $ 254,100 | $ 126,000 |
| Mendocino, California | 9 | $ 2,558,000 | $ 284,222 | $ 194,000 |
| Orange, California | 9 | $ 2,403,000 | $ 267,000 | $ 96,000 |
| Mariposa, California | 8 | $ 1,467,000 | $ 183,375 | $ 91,000 |
| Siskiyou, California | 8 | $ 1,109,000 | $ 138,625 | $ 63,000 |
| Tehama, California | 8 | $ 873,000 | $ 109,125 | $ 74,000 |
| Santa Cruz, California | 7 | $ 1,596,000 | $ 228,000 | $ 140,000 |
| Ventura, California | 7 | $ 1,088,000 | $ 155,428 | $ 92,000 |
| Del Norte, California | 5 | $ 461,000 | $ 92,200 | $ 86,000 |
| Lake, California | 5 | $ 723,000 | $ 144,600 | $ 55,000 |
| Colusa, California | 3 | $ 432,000 | $ 144,000 | $ 56,000 |
| Humboldt, California | 3 | $ 399,000 | $ 133,000 | $ 142,000 |
| Sierra, California | 3 | $ 872,000 | $ 290,666 | $ 199,000 |
| Glenn, California | 2 | $ 210,000 | $ 105,000 | $ 84,000 |
| San Benito, California | 2 | $ 493,000 | $ 246,500 | $ 103,000 |
| Trinity, California | 2 | $ 314,000 | $ 157,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for The Golden 1 Credit Union in 2012
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 | 4,620 | $906,260,000 | $196,000 | $1,009,000 | $101,000 | $1,068,000 |
| Home Improvement | 568 | $63,508,000 | $111,000 | $880,000 | $90,000 | $472,000 |
| Home Purchase | 301 | $53,640,000 | $178,000 | $881,000 | $97,000 | $709,000 |
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 | 3,421 | $640,331,000 | $187,000 | $968,000 | $100,000 | $900,000 |
| Hispanic | 731 | $123,444,000 | $168,000 | $956,000 | $87,000 | $485,000 |
| Not Provided | 577 | $112,459,000 | $194,000 | $1,009,000 | $112,000 | $560,000 |
| Asian | 457 | $89,981,000 | $196,000 | $650,000 | $103,000 | $636,000 |
| Black or African American | 164 | $31,176,000 | $190,000 | $500,000 | $97,000 | $1,068,000 |
| Native Hawaiian or Other Pacific Islander | 78 | $15,036,000 | $192,000 | $651,000 | $105,000 | $586,000 |
| American Indian or Alaskan Native | 61 | $10,981,000 | $180,000 | $738,000 | $81,000 | $334,000 |
| 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) | 5,395 | $1,002,133,000 | $185,000 | $1,009,000 | $100,000 | $1,068,000 |
| FHA-insured (Federal Housing Administration) | 94 | $21,275,000 | $226,000 | $624,000 | $93,000 | $335,000 |
| 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 | 2,479 | $438,282,000 | $176,000 | $968,000 | $100,000 | $569,000 |
| Application Denied By Financial Institution | 1,486 | $274,509,000 | $184,000 | $1,009,000 | $91,000 | $900,000 |
| Application Approved But Not Accepted | 1,143 | $229,858,000 | $201,000 | $956,000 | $108,000 | $709,000 |
| Application Withdrawn By Applicant | 320 | $66,989,000 | $209,000 | $646,000 | $99,000 | $1,068,000 |
| File Closed For Incompleteness | 61 | $13,770,000 | $225,000 | $634,000 | $113,000 | $601,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 515 | $100,634,000 | $195,000 | $740,000 | $106,000 | $485,000 |
| Credit History | 425 | $74,573,000 | $175,000 | $736,000 | $98,000 | $900,000 |
| Debt-To-Income Ratio | 406 | $74,323,000 | $183,000 | $1,009,000 | $60,000 | $310,000 |
| Other | 99 | $18,799,000 | $189,000 | $600,000 | $122,000 | $786,000 |
| Employment History | 15 | $1,866,000 | $124,000 | $334,000 | $81,000 | $217,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $2,566,000 | $171,000 | $386,000 | $95,000 | $158,000 |
| Unverifiable Information | 6 | $608,000 | $101,000 | $145,000 | $37,000 | $82,000 |
| Mortgage Insurance Denied | 3 | $761,000 | $253,000 | $333,000 | $107,000 | $132,000 |
| Credit Application Incomplete | 2 | $379,000 | $189,000 | $226,000 | $86,000 | $106,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Golden 1 Credit Union's 2012 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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