The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2014
In 2014, The Golden 1 Credit Union of Sacramento, CA reported 3,823 mortgage applications totaling $658.9 million, down 19% from 2013. The average application was for $172,350, and applicants reported an average income of $96,371. 50% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (2,292), Fresno, CA (203) and Stockton-Lodi, CA (160) (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 | 3,823 |
| Total Mortgage Loan Application Amount | $658,896,000 |
| Average Mortgage Loan Application Amount | $172,350 |
| Highest Mortgage Loan Application Amount | $1,380,000 |
| Average Applicant Income | $96,371 |
| Highest Applicant Income | $1,672,000 |
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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,634 | $ 266,273,000 | $ 162,957 | $ 92,000 |
| Placer, California | 352 | $ 67,882,000 | $ 192,846 | $ 111,000 |
| Fresno, California | 203 | $ 27,984,000 | $ 137,852 | $ 82,000 |
| San Joaquin, California | 160 | $ 23,494,000 | $ 146,837 | $ 92,000 |
| El Dorado, California | 155 | $ 32,886,000 | $ 212,167 | $ 135,000 |
| Yolo, California | 151 | $ 25,201,000 | $ 166,894 | $ 99,000 |
| Stanislaus, California | 106 | $ 15,137,000 | $ 142,801 | $ 86,000 |
| Solano, California | 104 | $ 19,534,000 | $ 187,826 | $ 101,000 |
| Madera, California | 87 | $ 11,168,000 | $ 128,367 | $ 64,000 |
| San Luis Obispo, California | 67 | $ 15,002,000 | $ 223,910 | $ 91,000 |
| Alameda, California | 58 | $ 18,339,000 | $ 316,189 | $ 134,000 |
| Butte, California | 49 | $ 6,899,000 | $ 140,795 | $ 66,000 |
| Contra Costa, California | 46 | $ 10,535,000 | $ 229,021 | $ 125,000 |
| San Bernardino, California | 46 | $ 8,780,000 | $ 190,869 | $ 99,000 |
| Los Angeles, California | 45 | $ 9,747,000 | $ 216,600 | $ 116,000 |
| Kern, California | 40 | $ 3,918,000 | $ 97,950 | $ 75,000 |
| Shasta, California | 35 | $ 5,192,000 | $ 148,342 | $ 81,000 |
| Sutter, California | 34 | $ 4,280,000 | $ 125,882 | $ 75,000 |
| Napa, California | 33 | $ 6,888,000 | $ 208,727 | $ 144,000 |
| Amador, California | 30 | $ 4,413,000 | $ 147,100 | $ 79,000 |
| San Francisco, California | 30 | $ 10,217,000 | $ 340,566 | $ 128,000 |
| Nevada, California | 28 | $ 5,331,000 | $ 190,392 | $ 121,000 |
| Merced, California | 26 | $ 3,141,000 | $ 120,807 | $ 78,000 |
| Kings, California | 24 | $ 2,826,000 | $ 117,750 | $ 76,000 |
| Lassen, California | 23 | $ 2,441,000 | $ 106,130 | $ 88,000 |
| Santa Barbara, California | 23 | $ 5,467,000 | $ 237,695 | $ 105,000 |
| Santa Clara, California | 23 | $ 7,108,000 | $ 309,043 | $ 130,000 |
| Monterey, California | 18 | $ 3,837,000 | $ 213,166 | $ 119,000 |
| Riverside, California | 18 | $ 3,126,000 | $ 173,666 | $ 108,000 |
| Yuba, California | 18 | $ 2,721,000 | $ 151,166 | $ 67,000 |
| Sonoma, California | 17 | $ 4,902,000 | $ 288,352 | $ 105,000 |
| Tulare, California | 17 | $ 2,016,000 | $ 118,588 | $ 87,000 |
| Calaveras, California | 15 | $ 1,993,000 | $ 132,866 | $ 61,000 |
| San Mateo, California | 15 | $ 4,688,000 | $ 312,533 | $ 134,000 |
| Imperial, California | 14 | $ 1,477,000 | $ 105,500 | $ 95,000 |
| San Diego, California | 9 | $ 2,157,000 | $ 239,666 | $ 83,000 |
| Tuolumne, California | 8 | $ 881,000 | $ 110,125 | $ 116,000 |
| Plumas, California | 7 | $ 1,055,000 | $ 150,714 | $ 116,000 |
| Marin, California | 6 | $ 1,959,000 | $ 326,500 | $ 170,000 |
| Mariposa, California | 6 | $ 1,009,000 | $ 168,166 | $ 51,000 |
| Orange, California | 5 | $ 1,065,000 | $ 213,000 | $ 139,000 |
| San Benito, California | 5 | $ 1,001,000 | $ 200,200 | $ 86,000 |
| Glenn, California | 4 | $ 298,000 | $ 74,500 | $ 78,000 |
| Ventura, California | 4 | $ 738,000 | $ 184,500 | $ 93,000 |
| Lake, California | 3 | $ 541,000 | $ 180,333 | $ 100,000 |
| Mendocino, California | 3 | $ 442,000 | $ 147,333 | $ 93,000 |
| Santa Cruz, California | 3 | $ 555,000 | $ 185,000 | $ 159,000 |
| Sierra, California | 3 | $ 135,000 | $ 45,000 | $ 71,000 |
| Siskiyou, California | 3 | $ 272,000 | $ 90,666 | $ 49,000 |
| Tehama, California | 3 | $ 544,000 | $ 181,333 | $ 69,000 |
| Humboldt, California | 2 | $ 302,000 | $ 151,000 | $ 123,000 |
| Del Norte, California | 1 | $ 168,000 | $ 168,000 | $ 115,000 |
Mortgage Loan Application Detail Totals for The Golden 1 Credit Union in 2014
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 | 1,919 | $388,645,000 | $202,000 | $1,380,000 | $94,000 | $800,000 |
| Home Improvement | 1,345 | $140,996,000 | $104,000 | $863,000 | $97,000 | $792,000 |
| Home Purchase | 559 | $129,255,000 | $231,000 | $960,000 | $103,000 | $1,672,000 |
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 | 1,883 | $318,840,000 | $169,000 | $1,100,000 | $99,000 | $1,672,000 |
| Not Provided | 766 | $142,202,000 | $185,000 | $1,380,000 | $105,000 | $792,000 |
| Hispanic | 618 | $93,739,000 | $151,000 | $700,000 | $81,000 | $367,000 |
| Asian | 292 | $58,158,000 | $199,000 | $719,000 | $101,000 | $428,000 |
| Black or African American | 168 | $30,184,000 | $179,000 | $592,000 | $86,000 | $344,000 |
| American Indian or Alaskan Native | 51 | $8,409,000 | $164,000 | $844,000 | $103,000 | $389,000 |
| Native Hawaiian or Other Pacific Islander | 45 | $7,364,000 | $163,000 | $450,000 | $84,000 | $223,000 |
| 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) | 3,823 | $658,896,000 | $172,000 | $1,380,000 | $97,000 | $1,672,000 |
| 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 | 1,898 | $318,268,000 | $167,000 | $1,380,000 | $100,000 | $1,672,000 |
| Application Denied By Financial Institution | 867 | $155,690,000 | $179,000 | $1,134,000 | $89,000 | $800,000 |
| Application Withdrawn By Applicant | 660 | $115,316,000 | $174,000 | $768,000 | $95,000 | $676,000 |
| Application Approved But Not Accepted | 398 | $69,622,000 | $174,000 | $863,000 | $96,000 | $792,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 342 | $61,022,000 | $178,000 | $1,134,000 | $97,000 | $800,000 |
| Debt-To-Income Ratio | 251 | $46,651,000 | $185,000 | $960,000 | $60,000 | $371,000 |
| Collateral | 190 | $34,856,000 | $183,000 | $1,000,000 | $111,000 | $321,000 |
| Other | 52 | $8,493,000 | $163,000 | $730,000 | $114,000 | $545,000 |
| Employment History | 7 | $1,235,000 | $176,000 | $439,000 | $69,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,031,000 | $171,000 | $289,000 | $59,000 | $104,000 |
| Unverifiable Information | 5 | $1,355,000 | $271,000 | $620,000 | $75,000 | $180,000 |
| Credit Application Incomplete | 2 | $261,000 | $130,000 | $154,000 | $57,000 | $65,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Golden 1 Credit Union's 2014 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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