The Golden 1 in California vs the state
33.2%Denial rate+15.81 pts vs state
37.7%Decision denial rate+15.33 pts vs state
52.6%Origination rate-3.59 pts vs state
7.75%Median rate+1.13 pts vs state
0.53Rate spread (pts)+0.25 pts vs state
$145kMedian applicant income
6,107Loans originated
3,858Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8,821 | 5,018 | 28.8% | 8.50% | #18 |
| 2024 | 8,298 | 4,443 | 33.7% | 9.25% | #26 |
| 2025 | 11,609 | 6,107 | 33.2% | 7.75% | #19 |
What The Golden 1 lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most The Golden 1 applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sacramento County | 3,161 | 1,724 | 1,021 | 32.3% |
| Placer County | 909 | 512 | 273 | 30.0% |
| Fresno County | 696 | 317 | 295 | 42.4% |
| Alameda County | 636 | 363 | 144 | 22.6% |
| Santa Clara County | 609 | 365 | 123 | 20.2% |
| San Joaquin County | 537 | 242 | 230 | 42.8% |
| Contra Costa County | 447 | 258 | 122 | 27.3% |
| Los Angeles County | 430 | 210 | 155 | 36.0% |
| El Dorado County | 387 | 202 | 138 | 35.7% |
| Stanislaus County | 366 | 177 | 129 | 35.2% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 11,609 applications in 2025, of which 6,107 were originated and 3,858 denied.
33.2% of all applications, or 37.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans The Golden 1 originated in California in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are The Golden 1's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology