The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2013
In 2013, The Golden 1 Credit Union of Sacramento, CA reported 4,704 mortgage applications totaling $852.0 million, down 14% from 2012. The average application was for $181,121, and applicants reported an average income of $94,966. 43% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Sacramento--Arden-Arcade--Roseville, CA (2,852), Fresno, CA (276) and Oakland-Fremont-Hayward, CA (130) (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 | 4,704 |
| Total Mortgage Loan Application Amount | $851,994,000 |
| Average Mortgage Loan Application Amount | $181,121 |
| Highest Mortgage Loan Application Amount | $1,466,000 |
| Average Applicant Income | $94,966 |
| Highest Applicant Income | $1,731,000 |
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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,035 | $ 350,494,000 | $ 172,232 | $ 93,000 |
| Placer, California | 419 | $ 83,636,000 | $ 199,608 | $ 98,000 |
| Fresno, California | 276 | $ 37,066,000 | $ 134,297 | $ 88,000 |
| Yolo, California | 237 | $ 48,735,000 | $ 205,632 | $ 99,000 |
| El Dorado, California | 161 | $ 37,762,000 | $ 234,546 | $ 128,000 |
| San Joaquin, California | 125 | $ 17,047,000 | $ 136,376 | $ 84,000 |
| Solano, California | 116 | $ 22,174,000 | $ 191,155 | $ 96,000 |
| San Luis Obispo, California | 113 | $ 24,014,000 | $ 212,513 | $ 94,000 |
| Madera, California | 106 | $ 12,220,000 | $ 115,283 | $ 60,000 |
| Stanislaus, California | 106 | $ 14,363,000 | $ 135,500 | $ 88,000 |
| Alameda, California | 90 | $ 26,056,000 | $ 289,511 | $ 115,000 |
| Butte, California | 68 | $ 9,315,000 | $ 136,985 | $ 83,000 |
| Shasta, California | 65 | $ 10,364,000 | $ 159,446 | $ 88,000 |
| Amador, California | 58 | $ 9,285,000 | $ 160,086 | $ 83,000 |
| Nevada, California | 47 | $ 8,155,000 | $ 173,510 | $ 106,000 |
| San Francisco, California | 47 | $ 17,317,000 | $ 368,446 | $ 138,000 |
| Los Angeles, California | 44 | $ 8,177,000 | $ 185,840 | $ 88,000 |
| Santa Barbara, California | 42 | $ 11,773,000 | $ 280,309 | $ 116,000 |
| San Bernardino, California | 41 | $ 5,230,000 | $ 127,560 | $ 86,000 |
| Contra Costa, California | 40 | $ 11,700,000 | $ 292,500 | $ 119,000 |
| Monterey, California | 40 | $ 8,241,000 | $ 206,025 | $ 110,000 |
| San Mateo, California | 31 | $ 10,707,000 | $ 345,387 | $ 143,000 |
| Santa Clara, California | 29 | $ 8,615,000 | $ 297,068 | $ 102,000 |
| Kern, California | 28 | $ 3,877,000 | $ 138,464 | $ 93,000 |
| Kings, California | 27 | $ 3,425,000 | $ 126,851 | $ 92,000 |
| Tulare, California | 27 | $ 3,605,000 | $ 133,518 | $ 67,000 |
| Lassen, California | 25 | $ 3,056,000 | $ 122,240 | $ 83,000 |
| Merced, California | 24 | $ 2,632,000 | $ 109,666 | $ 125,000 |
| Napa, California | 24 | $ 5,685,000 | $ 236,875 | $ 94,000 |
| Sutter, California | 24 | $ 2,879,000 | $ 119,958 | $ 87,000 |
| Sonoma, California | 20 | $ 5,951,000 | $ 297,550 | $ 102,000 |
| Calaveras, California | 19 | $ 2,646,000 | $ 139,263 | $ 68,000 |
| Riverside, California | 19 | $ 3,114,000 | $ 163,894 | $ 88,000 |
| Imperial, California | 18 | $ 1,795,000 | $ 99,722 | $ 72,000 |
| Yuba, California | 12 | $ 1,371,000 | $ 114,250 | $ 78,000 |
| San Diego, California | 10 | $ 2,001,000 | $ 200,100 | $ 88,000 |
| Orange, California | 9 | $ 2,178,000 | $ 242,000 | $ 101,000 |
| Marin, California | 8 | $ 3,150,000 | $ 393,750 | $ 101,000 |
| Tuolumne, California | 7 | $ 489,000 | $ 69,857 | $ 91,000 |
| Ventura, California | 7 | $ 1,956,000 | $ 279,428 | $ 109,000 |
| Del Norte, California | 6 | $ 657,000 | $ 109,500 | $ 47,000 |
| Siskiyou, California | 6 | $ 694,000 | $ 115,666 | $ 102,000 |
| San Benito, California | 5 | $ 324,000 | $ 64,800 | $ 131,000 |
| Humboldt, California | 4 | $ 768,000 | $ 192,000 | $ 90,000 |
| Lake, California | 4 | $ 554,000 | $ 138,500 | $ 76,000 |
| Plumas, California | 4 | $ 582,000 | $ 145,500 | $ 141,000 |
| Santa Cruz, California | 4 | $ 1,098,000 | $ 274,500 | $ 127,000 |
| Tehama, California | 4 | $ 400,000 | $ 100,000 | $ 99,000 |
| Sierra, California | 3 | $ 557,000 | $ 185,666 | $ 100,000 |
| Trinity, California | 3 | $ 478,000 | $ 159,333 | $ 70,000 |
| Colusa, California | 2 | $ 377,000 | $ 188,500 | $ 45,000 |
| Mendocino, California | 2 | $ 590,000 | $ 295,000 | $ 169,000 |
| Modoc, California | 2 | $ 308,000 | $ 154,000 | $ 69,000 |
| Alpine, California | 1 | $ 60,000 | $ 60,000 | $ 96,000 |
| Glenn, California | 1 | $ 91,000 | $ 91,000 | $ 55,000 |
| Mariposa, California | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Mono, California | 1 | $ 146,000 | $ 146,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for The Golden 1 Credit Union in 2013
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 | 3,479 | $660,952,000 | $189,000 | $1,120,000 | $95,000 | $1,731,000 |
| Home Improvement | 691 | $73,317,000 | $106,000 | $1,466,000 | $94,000 | $726,000 |
| Home Purchase | 534 | $117,725,000 | $220,000 | $782,000 | $96,000 | $500,000 |
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 | 2,636 | $478,265,000 | $181,000 | $1,050,000 | $96,000 | $980,000 |
| Hispanic | 745 | $119,536,000 | $160,000 | $1,120,000 | $85,000 | $1,731,000 |
| Not Provided | 581 | $107,070,000 | $184,000 | $1,090,000 | $108,000 | $1,260,000 |
| Asian | 437 | $88,807,000 | $203,000 | $813,000 | $98,000 | $500,000 |
| Black or African American | 173 | $35,873,000 | $207,000 | $1,466,000 | $90,000 | $380,000 |
| Native Hawaiian or Other Pacific Islander | 88 | $14,828,000 | $168,000 | $545,000 | $91,000 | $562,000 |
| American Indian or Alaskan Native | 44 | $7,615,000 | $173,000 | $383,000 | $77,000 | $242,000 |
| 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) | 4,704 | $851,994,000 | $181,000 | $1,466,000 | $95,000 | $1,731,000 |
| 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 | 2,016 | $350,776,000 | $173,000 | $1,090,000 | $98,000 | $1,031,000 |
| Application Denied By Financial Institution | 1,481 | $259,067,000 | $174,000 | $1,466,000 | $87,000 | $1,260,000 |
| Application Approved But Not Accepted | 821 | $153,152,000 | $186,000 | $950,000 | $101,000 | $1,731,000 |
| Application Withdrawn By Applicant | 386 | $88,999,000 | $230,000 | $1,120,000 | $99,000 | $960,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 514 | $87,920,000 | $171,000 | $1,050,000 | $60,000 | $726,000 |
| Credit History | 475 | $79,616,000 | $167,000 | $630,000 | $102,000 | $1,260,000 |
| Collateral | 335 | $63,844,000 | $190,000 | $1,466,000 | $107,000 | $766,000 |
| Other | 84 | $15,001,000 | $178,000 | $813,000 | $110,000 | $329,000 |
| Employment History | 17 | $2,261,000 | $133,000 | $290,000 | $47,000 | $109,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $2,467,000 | $189,000 | $363,000 | $61,000 | $115,000 |
| Credit Application Incomplete | 6 | $1,338,000 | $223,000 | $315,000 | $77,000 | $122,000 |
| Unverifiable Information | 3 | $890,000 | $296,000 | $352,000 | $131,000 | $207,000 |
| Mortgage Insurance Denied | 1 | $175,000 | $175,000 | $175,000 | $51,000 | $51,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Golden 1 Credit Union's 2013 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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