The Golden 1 Credit Union Mortgage Lending & HMDA Data, 2015
In 2015, The Golden 1 Credit Union of Sacramento, CA reported 6,548 mortgage applications totaling $1.4 billion, up 71% from 2014. The average application was for $217,618, and applicants reported an average income of $103,855. 56% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (3,911), Fresno, CA (392) and Stockton-Lodi, CA (238) (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 | 6,548 |
| Total Mortgage Loan Application Amount | $1,424,963,000 |
| Average Mortgage Loan Application Amount | $217,618 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $103,855 |
| Highest Applicant Income | $1,430,000 |
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records The Golden 1 Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,758 | $ 559,143,000 | $ 202,734 | $ 100,000 |
| Placer, California | 600 | $ 139,170,000 | $ 231,950 | $ 119,000 |
| Fresno, California | 392 | $ 59,341,000 | $ 151,380 | $ 81,000 |
| Yolo, California | 301 | $ 72,065,000 | $ 239,418 | $ 119,000 |
| El Dorado, California | 252 | $ 64,367,000 | $ 255,424 | $ 123,000 |
| San Joaquin, California | 238 | $ 44,870,000 | $ 188,529 | $ 90,000 |
| Madera, California | 183 | $ 25,528,000 | $ 139,497 | $ 69,000 |
| Stanislaus, California | 178 | $ 29,842,000 | $ 167,651 | $ 86,000 |
| Solano, California | 165 | $ 34,710,000 | $ 210,363 | $ 100,000 |
| San Luis Obispo, California | 122 | $ 30,885,000 | $ 253,155 | $ 104,000 |
| Alameda, California | 111 | $ 36,083,000 | $ 325,072 | $ 117,000 |
| Santa Clara, California | 92 | $ 49,263,000 | $ 535,467 | $ 161,000 |
| Contra Costa, California | 90 | $ 29,227,000 | $ 324,744 | $ 136,000 |
| Shasta, California | 67 | $ 13,298,000 | $ 198,477 | $ 98,000 |
| Nevada, California | 65 | $ 14,233,000 | $ 218,969 | $ 115,000 |
| Butte, California | 64 | $ 10,665,000 | $ 166,640 | $ 92,000 |
| Los Angeles, California | 62 | $ 18,110,000 | $ 292,096 | $ 123,000 |
| Amador, California | 60 | $ 10,178,000 | $ 169,633 | $ 92,000 |
| San Bernardino, California | 53 | $ 11,531,000 | $ 217,566 | $ 91,000 |
| Santa Barbara, California | 49 | $ 14,920,000 | $ 304,489 | $ 124,000 |
| San Francisco, California | 47 | $ 21,254,000 | $ 452,212 | $ 180,000 |
| Merced, California | 45 | $ 6,448,000 | $ 143,288 | $ 89,000 |
| Kern, California | 42 | $ 6,893,000 | $ 164,119 | $ 93,000 |
| Napa, California | 40 | $ 12,122,000 | $ 303,050 | $ 114,000 |
| Sutter, California | 40 | $ 6,771,000 | $ 169,275 | $ 91,000 |
| Kings, California | 38 | $ 5,074,000 | $ 133,526 | $ 89,000 |
| Monterey, California | 38 | $ 9,033,000 | $ 237,710 | $ 92,000 |
| Yuba, California | 38 | $ 6,920,000 | $ 182,105 | $ 82,000 |
| Riverside, California | 35 | $ 7,023,000 | $ 200,657 | $ 112,000 |
| Tulare, California | 30 | $ 4,245,000 | $ 141,500 | $ 103,000 |
| Calaveras, California | 28 | $ 4,136,000 | $ 147,714 | $ 88,000 |
| Orange, California | 28 | $ 12,019,000 | $ 429,250 | $ 129,000 |
| Sonoma, California | 24 | $ 8,982,000 | $ 374,250 | $ 130,000 |
| San Mateo, California | 22 | $ 11,040,000 | $ 501,818 | $ 133,000 |
| Imperial, California | 19 | $ 2,196,000 | $ 115,578 | $ 95,000 |
| Marin, California | 16 | $ 7,480,000 | $ 467,500 | $ 227,000 |
| San Diego, California | 14 | $ 5,406,000 | $ 386,142 | $ 121,000 |
| San Benito, California | 12 | $ 2,342,000 | $ 195,166 | $ 104,000 |
| Ventura, California | 12 | $ 2,878,000 | $ 239,833 | $ 116,000 |
| Lassen, California | 10 | $ 1,477,000 | $ 147,700 | $ 85,000 |
| Tehama, California | 9 | $ 1,142,000 | $ 126,888 | $ 98,000 |
| Tuolumne, California | 9 | $ 1,310,000 | $ 145,555 | $ 94,000 |
| Mariposa, California | 8 | $ 1,480,000 | $ 185,000 | $ 63,000 |
| Plumas, California | 8 | $ 1,672,000 | $ 209,000 | $ 99,000 |
| Santa Cruz, California | 8 | $ 3,298,000 | $ 412,250 | $ 175,000 |
| Siskiyou, California | 5 | $ 761,000 | $ 152,200 | $ 97,000 |
| Mendocino, California | 4 | $ 1,276,000 | $ 319,000 | $ 110,000 |
| Colusa, California | 3 | $ 319,000 | $ 106,333 | $ 76,000 |
| Humboldt, California | 3 | $ 807,000 | $ 269,000 | $ 158,000 |
| Trinity, California | 3 | $ 468,000 | $ 156,000 | $ 93,000 |
| Glenn, California | 2 | $ 237,000 | $ 118,500 | $ 48,000 |
| Lake, California | 2 | $ 355,000 | $ 177,500 | $ 139,000 |
| Alpine, California | 1 | $ 135,000 | $ 135,000 | $ 197,000 |
| Del Norte, California | 1 | $ 243,000 | $ 243,000 | $ 66,000 |
| Sierra, California | 1 | $ 149,000 | $ 149,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for The Golden 1 Credit Union in 2015
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 | 2,781 | $645,717,000 | $232,000 | $1,800,000 | $104,000 | $1,430,000 |
| Home Improvement | 2,590 | $446,079,000 | $172,000 | $1,359,000 | $100,000 | $1,100,000 |
| Home Purchase | 1,177 | $333,167,000 | $283,000 | $1,760,000 | $112,000 | $1,102,000 |
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 | 2,975 | $662,191,000 | $222,000 | $1,800,000 | $107,000 | $1,102,000 |
| Not Provided | 1,734 | $382,164,000 | $220,000 | $1,760,000 | $106,000 | $1,430,000 |
| Hispanic | 1,026 | $189,472,000 | $184,000 | $900,000 | $89,000 | $938,000 |
| Asian | 450 | $118,711,000 | $263,000 | $1,185,000 | $111,000 | $966,000 |
| Black or African American | 224 | $43,721,000 | $195,000 | $752,000 | $98,000 | $1,100,000 |
| Native Hawaiian or Other Pacific Islander | 79 | $18,403,000 | $232,000 | $735,000 | $101,000 | $292,000 |
| American Indian or Alaskan Native | 60 | $10,301,000 | $171,000 | $592,000 | $78,000 | $312,000 |
| 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) | 6,548 | $1,424,963,000 | $217,000 | $1,800,000 | $104,000 | $1,430,000 |
| 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 | 3,656 | $796,067,000 | $217,000 | $1,300,000 | $104,000 | $1,430,000 |
| Application Withdrawn By Applicant | 1,431 | $321,448,000 | $224,000 | $1,800,000 | $107,000 | $1,102,000 |
| Application Denied By Financial Institution | 1,005 | $213,781,000 | $212,000 | $1,500,000 | $99,000 | $1,010,000 |
| File Closed For Incompleteness | 348 | $70,051,000 | $201,000 | $975,000 | $103,000 | $372,000 |
| Application Approved But Not Accepted | 108 | $23,616,000 | $218,000 | $928,000 | $99,000 | $388,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 330 | $68,786,000 | $208,000 | $1,500,000 | $110,000 | $1,010,000 |
| Collateral | 300 | $60,095,000 | $200,000 | $956,000 | $114,000 | $509,000 |
| Debt-To-Income Ratio | 291 | $67,394,000 | $231,000 | $1,300,000 | $70,000 | $396,000 |
| Other | 48 | $9,209,000 | $191,000 | $800,000 | $110,000 | $346,000 |
| Unverifiable Information | 12 | $2,833,000 | $236,000 | $656,000 | $86,000 | $192,000 |
| Employment History | 9 | $1,887,000 | $209,000 | $500,000 | $64,000 | $172,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $2,107,000 | $263,000 | $632,000 | $70,000 | $113,000 |
| Credit Application Incomplete | 7 | $1,470,000 | $210,000 | $375,000 | $77,000 | $136,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Golden 1 Credit Union's 2015 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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