# THE GOLDEN 1

> **Canonical URL:** https://saferate.com/lenders/the-golden-1


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


THE GOLDEN 1 is a credit union, headquartered in Sacramento, CA, with 1,163 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 43% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300ZJIC4LOLZH0M42
- **Headquarters:** Sacramento, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 15
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 60/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.044%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-264
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,163
- **Dollar Volume:** $846 million
- **Applications Received:** 1,884
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $727,794
- **Average Borrower Income:** $245,640
- **Average Property Value:** $1,088,405

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **Jumbo Gold Superstar** (77%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 865 | +0.064% | $34 | Strong 😀 |
| FHA | 60/100 | 55 | +0.368% | $1,894 | Strong 😀 |
| Jumbo | 84/100 | 243 | -0.104% | $-1,875 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 522 loans, Score: 59/100 (Sound)
- Refinance: 343 loans, Score: 73/100 (Strong)

**FHA:**
- Purchase: 49 loans, Score: 59/100 (Sound)

**Jumbo:**
- Purchase: 164 loans, Score: 83/100 (Exceptional)
- Refinance: 79 loans, Score: 85/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 735 | $546M | +0.053% | Strong 😀 |
| Refinance | 73/100 | 428 | $300M | +0.030% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 1,163 | 0.41% | 82/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Sacramento | CA | 287 | 80/100 |
| Oakland | CA | 280 | 86/100 |
| San Jose | CA | 179 | 80/100 |
| Fresno, CA | CA | 63 | 66/100 |
| San Francisco | CA | 47 | 65/100 |
| Stockton | CA | 47 | 65/100 |
| Riverside | CA | 45 | 55/100 |
| Los Angeles | CA | 34 | 52/100 |
| Modesto, CA | CA | 26 | 58/100 |
| Non |  | 22 | 27/100 |
| San Luis Obispo | CA | 17 | 51/100 |
| Vallejo, CA | CA | 16 | 49/100 |
| Yuba City, CA | CA | 16 | 51/100 |
| Santa Cruz | CA | 11 | 44/100 |
| Anaheim | CA | 10 | 40/100 |

## Where This Lender Ranks

THE GOLDEN 1 appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Sacramento for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in California for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Sacramento for Jumbo Loans
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in San Jose for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in San Jose for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Stockton for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Modesto, CA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Yuba City, CA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/yuba-city-ca/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Santa Cruz for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/santa-cruz/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Sacramento for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Oakland for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in San Luis Obispo for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Vallejo, CA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/vallejo-ca/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in California Credit Unions
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in California for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Sacramento Credit Unions
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Fresno, CA Credit Unions
  - [View Full Rankings](https://saferate.com/fresno-ca/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Fresno, CA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fresno-ca/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Stockton for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Oakland for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does THE GOLDEN 1 offer?

THE GOLDEN 1 offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does THE GOLDEN 1 offer mortgages?

THE GOLDEN 1 offers mortgages in 1 states: CA.

### How competitive are THE GOLDEN 1's mortgage rates?

THE GOLDEN 1 has a pricing score of 57/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.044% above market average.

### What type of lender is THE GOLDEN 1?

THE GOLDEN 1 is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Sacramento, CA.

### What is THE GOLDEN 1's loan approval success rate?

THE GOLDEN 1 has a pull-through score of 60/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/the-golden-1

### How to Cite

> "THE GOLDEN 1 Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-golden-1

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