Lenders › The Golden 1 Credit Union › California
The Golden 1 Credit Union in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
The Golden 1 Credit Union's 2024 HMDA record for California covers 8,298 applications, 4,443 of them originated, worth $1.4bn.
Its denial rate in the state was 38.1%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 38.1%.
The median rate spread on its California originations was 1.0 percentage points (state median 0.4).
Applications in the state were down 6% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | The Golden 1 Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 38.1% | 24.8% | 38.1% | 24.3% |
| Median rate spread, pp | 1.0 | 0.4 | 1.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.2% | 19.9% | 7.2% | 15.6% |
| Average originated loan | $323k | $566k | $323k | $329k |
| Home purchase share | 18.7% | 51.2% | 18.7% | 57.0% |
| FHA-insured share | 1.3% | 11.4% | 1.3% | 13.4% |
| VA-guaranteed share | 0.0% | 4.8% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 19% (829)Home improvement 40% (1,790)Refinancing 7% (327)Cash-out refinancing 17% (746)Other purpose 17% (751)
By type
Conventional 99% (4,387)FHA 1% (56)
Denial reasons as coded
Share of 2,797 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Sacramento County | 2,452 | 1,376 | $209m | 35.5% |
| Placer County | 562 | 327 | $53m | 35.2% |
| Fresno County | 582 | 263 | $34m | 49.3% |
| Alameda County | 345 | 237 | $191m | 18.2% |
| Santa Clara County | 400 | 236 | $220m | 28.8% |
| San Joaquin County | 449 | 215 | $48m | 44.3% |
| Contra Costa County | 261 | 165 | $147m | 26.1% |
| El Dorado County | 246 | 155 | $27m | 27.2% |
| Yolo County | 235 | 139 | $21m | 34.0% |
| Stanislaus County | 264 | 122 | $21m | 46.2% |
| San Luis Obispo County | 185 | 110 | $23m | 32.7% |
| Los Angeles County | 198 | 103 | $124m | 37.5% |
| Solano County | 186 | 89 | $14m | 42.6% |
| Madera County | 173 | 71 | $9.3m | 51.7% |
| San Bernardino County | 130 | 61 | $17m | 43.1% |
| Riverside County | 123 | 56 | $23m | 46.4% |
| Butte County | 85 | 49 | $6.4m | 35.9% |
| San Mateo County | 78 | 48 | $37m | 32.9% |
| Shasta County | 82 | 41 | $4.9m | 44.9% |
| Santa Barbara County | 87 | 40 | $21m | 47.4% |
| Amador County | 79 | 40 | $5.7m | 40.3% |
| San Francisco County | 71 | 40 | $25m | 36.9% |
| Monterey County | 81 | 38 | $10m | 45.8% |
| Orange County | 76 | 38 | $27m | 38.1% |
| Yuba County | 72 | 38 | $6.2m | 41.5% |
| Nevada County | 60 | 37 | $5.4m | 31.6% |
| San Diego County | 88 | 31 | $39m | 56.3% |
| Merced County | 73 | 31 | $4.6m | 47.5% |
| Sutter County | 68 | 30 | $4.7m | 50.0% |
| Kings County | 57 | 27 | $3.0m | 44.9% |
| Kern County | 71 | 26 | $2.9m | 54.1% |
| Tulare County | 68 | 23 | $3.0m | 61.0% |
| Napa County | 43 | 17 | $3.8m | 51.4% |
| Calaveras County | 33 | 16 | $2.5m | 39.3% |
| Marin County | 28 | 15 | $6.1m | — |
| Ventura County | 28 | 13 | $4.1m | 48.0% |
| Sonoma County | 28 | 11 | $3.8m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did The Golden 1 Credit Union originate in California in 2024?
4,443 loans totalling $1.4bn, from 8,298 applications reported for properties in California.
What is The Golden 1 Credit Union's denial rate in California?
38.1% of decided applications in California were denied, against 24.8% for all lenders in the state and 38.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does The Golden 1 Credit Union lend in most?
By originations: Sacramento County (1,376), Placer County (327), Fresno County (263), Alameda County (237), Santa Clara County (236).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.