Applications / Mortgage Analytics / Lenders / California / The Golden 1 Credit Union / Competition
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
Who The Golden 1 Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — SAN FRANCISCO-OAKLAND-FREMONT, CA, 2025
The Golden 1 Credit Union ranks 14th of 606 lenders in San Francisco-Oakland-Fremont, CA, with $681.8M lent: 1.3% of a $52.26B market.
San Francisco-Oakland-Fremont, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Golden 1 Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — SACRAMENTO-ROSEVILLE-FOLSOM, CA, 2025
The Golden 1 Credit Union ranks 8th of 574 lenders in Sacramento-Roseville-Folsom, CA, with $469.8M lent: 2.3% of a $20.30B market.
Sacramento-Roseville-Folsom, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Golden 1 Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — SAN JOSE-SUNNYVALE-SANTA CLARA, CA, 2025
The Golden 1 Credit Union ranks 14th of 459 lenders in San Jose-Sunnyvale-Santa Clara, CA, with $361.9M lent: 1.3% of a $28.74B market.
San Jose-Sunnyvale-Santa Clara, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Golden 1 Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 60% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — LOS ANGELES-LONG BEACH-ANAHEIM, CA, 2025
The Golden 1 Credit Union ranks 86th of 757 lenders in Los Angeles-Long Beach-Anaheim, CA, with $277.6M lent: 0.2% of a $114.28B market.
Los Angeles-Long Beach-Anaheim, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Golden 1 Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — STOCKTON-LODI, CA, 2025
The Golden 1 Credit Union ranks 14th of 401 lenders in Stockton-Lodi, CA, with $71.9M lent: 1.3% of a $5.50B market.
Stockton-Lodi, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Golden 1 Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — EL CENTRO, CA, 2025
The Golden 1 Credit Union ranks 103rd of 171 lenders in El Centro, CA, with $450K lent: 0.1% of a $519.8M market.
El Centro, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and The Golden 1 Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 57% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — SAN LUIS OBISPO-PASO ROBLES, CA, 2025
The Golden 1 Credit Union ranks 17th of 312 lenders in San Luis Obispo-Paso Robles, CA, with $24.6M lent: 1.0% of a $2.52B market.
San Luis Obispo-Paso Robles, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and The Golden 1 Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 51% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — NON-METRO CALIFORNIA, 2025
The Golden 1 Credit Union ranks 39th of 456 lenders in non-metro California, with $22.8M lent: 0.5% of a $4.39B market.
non-metro California is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and The Golden 1 Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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