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THE GOLDEN 1
Credit Union|Sacramento, CA|Single State
Loans Originated
1,163
Applications
1,884
Volume
$846 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐FHA Superstar⭐Jumbo Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.044%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
-$264
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
61.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and Jumbo loans
Report Card
THE GOLDEN 1 performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Single State · 15 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$727,794
Average Borrower Income
$245,640
Average Property Value
$1,088,405
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 865 | 74.4% | +0.064% | $34 |
FHA Loans | Strong | Strong | Strong | Sound | 55 | 4.7% | +0.368% | $1,894 |
Jumbo Loans | Strong | Exceptional | Strong | Strong | 243 | 20.9% | -0.104% | -$1,875 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Sound | Sound | 735 | 63.2% | +0.053% | $172 |
Refinance | Strong | Strong | Strong | Sound | 428 | 36.8% | +0.030% | -$1,008 |
Geographic Coverage
Metro Areas
14
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CA
Top Metro Areas by Place Specialization Score
1
Oakland, CAMSA
Volume: 280Mix: 24.08%
Place Specialization
Exceptional
2
Sacramento, CAMSA
Volume: 287Mix: 24.68%
Place Specialization
Exceptional
3
San Jose, CAMSA
Volume: 179Mix: 15.39%
Place Specialization
Exceptional
4
Fresno, CA, CAMSA
Volume: 63Mix: 5.42%
Place Specialization
Strong
5
San Francisco, CAMSA
Volume: 47Mix: 4.04%
Place Specialization
Strong
6
Stockton, CAMSA
Volume: 47Mix: 4.04%
Place Specialization
Strong
7
Modesto, CA, CAMSA
Volume: 26Mix: 2.24%
Place Specialization
Sound
8
Riverside, CAMSA
Volume: 45Mix: 3.87%
Place Specialization
Sound
9
Los Angeles, CAMSA
Volume: 34Mix: 2.92%
Place Specialization
Sound
10
Yuba City, CA, CAMSA
Volume: 16Mix: 1.38%
Place Specialization
Sound
Showing 10 of 14 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 1,163Mix: 100.00%
Place Specialization
Exceptional
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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