Applications / Mortgage Analytics / Lenders / California / The Golden 1 Credit Union
Sacramento, CA · Credit union · NCUA · $21.5 billion assets · 6,107 loans in 2025
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6,107
loans originated, 2025
11,609
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Golden 1 Credit Union grew 37% in 2025, faster than nearly all similar lenders, and gained share in Sacramento, San Jose and Stockton.
Originations rose to 6,107 from 4,443, a rise of 37% against 9% for similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. Its Sacramento share rose to 2.3% from 1.8%, where it ranks 8 of 574, and it gained in San Jose, to 1.3% from 1.0%, and Stockton, to 1.3% from 0.9%.
Its typical loan was $155,000 against $110,000, and 17.3% of its loans were jumbo (larger than the conforming limit), against 1.6%, a higher share than nearly all peers. Its dollar volume, $2.30 billion, was higher than more than nine in ten of them.
Its middle rate was 7.75% against 6.88% at similar lenders, higher than more than nine in ten, yet only 0.4% of its loans were higher-priced (a rate well above the average for similar loans), against 0.8%. Home improvement, 38.6% of its loans, and other purposes, 14.1%, may carry different rates from first mortgages.
Of its loans, 52.0% were in majority-minority areas, against 9.3%, while LMI (low- and moderate-income) borrowers took 18.3%, against 26.3%. Its California markets, with large loans, may explain both.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Golden 1 Credit Union took 11,609 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 38.6% · Refinance 28.8% · Purchase 18.5% · Other 14.1%
Conventional 98.9% · FHA 1.1% · of 6,107 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 6,107 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sacramento-Roseville-Folsom | 2,624 |
| Oakland-Fremont-Berkeley | 621 |
| Fresno | 422 |
| San Jose-Sunnyvale-Santa Clara | 371 |
| Stockton-Lodi | 242 |
| Los Angeles-Long Beach-Glendale | 210 |
| Modesto | 177 |
| San Francisco-San Mateo-Redwood City | 170 |
| Riverside-San Bernardino-Ontario | 135 |
| San Luis Obispo-Paso Robles | 120 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZJIC4LOLZH0M42 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 959395 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561650 | 1990–2016 |
| Respondent ID (the HMDA filer code before 2018) | 9959395 | 2017–2017 |
Established 1 January 1933. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Golden 1 Credit Union's data.
The Golden 1 Credit Union's data
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