Lender in California · HMDA 2025
The Golden 1 mortgages in California
The Golden 1's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
The Golden 1 originated 1,691 owner-occupied single-family loans in California from 2,132 completed applications.
Its median conventional purchase loan costs were $5,520 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.50% (California: 6.625%).
Loans in CA
1,691
of 2,132 applications
Denial rate
13.1%
Purchase · CA 8.9%
Rate spread
−0.04 pts
Conv. · CA +0.09 pts
Loan amount
$675,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,157 | 997 | 13.1% | 6.500% | −0.04 pts | $5,520 | $675,000 |
| Refinance | 666 | 506 | 22.4% | 6.375% | −0.11 pts | $3,080 | $1,025,000 |
| Cash-out refinance | 309 | 188 | 35.6% | 6.875% | +0.18 pts | $2,690 | $255,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where The Golden 1 ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sacramento County | 11 | 313 | 1.8% |
| Santa Clara County | 11 | 256 | 1.6% |
| Alameda County | 11 | 253 | 1.8% |
| Sierra County | 12 | 1 | 4.2% |
| Contra Costa County | 16 | 155 | 1.3% |
| Madera County | 17 | 25 | 1.1% |
| Yolo County | 17 | 21 | 1.3% |
| San Mateo County | 20 | 64 | 1.1% |
| Santa Cruz County | 20 | 15 | 0.9% |
| Amador County | 22 | 5 | 1.0% |
| Placer County | 23 | 63 | 1.0% |
| El Dorado County | 24 | 22 | 0.8% |
| Fresno County | 25 | 59 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology