The Golden 1 Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 549300ZJIC4LOLZH0M42

Tax ID: 94-0362025

2.6 stars - Updated: 4/5/25 - out of 5 stars, based on 67 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    The Golden 1 is a small mortgage company specializing in Home Purchase and Refi loans. The Golden 1 has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: San Francisco, Sacramento, San Jose, Los Angeles, and Stockton among others. We have data for 34 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The Golden 1 has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The Golden 1 is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 7.75% 4/5/25
    30 Year Conventional Purchase 6.53% 4/5/25
    30 Year Conventional Refi 6.62% 4/5/25
    30 Year Cash-out Refi 6.97% 4/5/25
    30 Year FHA Purchase 7.06% 4/5/25
    30 Year FHA Refi 6.72% 4/5/25
    15 Year Conventional Purchase 6.16% 4/5/25
    15 Year Conventional Refi 6.13% 4/5/25
    15 Year Cash-out Refi 6.13% 4/5/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    The Golden 1 Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from The Golden 1. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    4,443

    Origination Dollar Volume (All Markets)

    $1,434,155,000
    Show all (24) awards

    Relative Rate

    The Golden 1's average 30 year fixed mortgage rate was 8.38%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of 1.83%.

    Relative Fees (Closing Costs)

    The Golden 1's average total fees/closing costs for a 30 year fixed rate mortgage were $5,180.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 505 $405,895,000 $803,752 $5,267 7.05%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1,997 $310,155,000 $155,310 $4,610 8.68%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 247 $223,695,000 $905,648 $4,547 6.92%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 141 $151,055,000 $1,071,312 $6,156 7.51%
    STOCKTON, CA (FHA|USDA|VA) 215 $48,495,000 $225,558 $4,799 8.49%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 117 $40,555,000 $346,624 $7,704 7.96%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 31 $39,135,000 $1,262,419 $8,855 7.62%
    FRESNO, CA (FHA|USDA|VA) 263 $34,025,000 $129,373 $4,527 8.60%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 110 $22,750,000 $206,818 $3,300 8.77%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 40 $21,160,000 $529,000 $5,334 8.74%
    MODESTO, CA (FHA|USDA|VA) 122 $20,820,000 $170,656 $4,898 8.46%
    VALLEJO, CA (FHA|USDA|VA) 89 $14,475,000 $162,640 $6,669 8.75%
    YUBA CITY, CA (FHA|USDA|VA) 68 $10,900,000 $160,294 $6,369 8.40%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 12 $10,640,000 $886,667 $4,265 6.43%
    Outside of Metro Areas 72 $10,430,000 $144,861 $4,832 8.46%
    SALINAS, CA (FHA|USDA|VA) 38 $10,040,000 $264,211 $4,151 8.67%
    MADERA, CA (FHA|USDA|VA) 71 $9,315,000 $131,197 $4,328 8.45%
    CHICO, CA (FHA|USDA|VA) 49 $6,395,000 $130,510 $3,654 8.59%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 37 $5,365,000 $145,000 $3,091 8.67%
    EL CENTRO, CA (FHA|USDA|VA) 4 $5,330,000 $1,332,500 $3,917 8.08%
    REDDING, CA (FHA|USDA|VA) 41 $4,925,000 $120,122 $3,957 8.52%
    MERCED, CA (FHA|USDA|VA) 31 $4,585,000 $147,903 $3,716 8.39%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 13 $4,075,000 $313,462 $5,946 8.13%
    NAPA, CA (FHA|USDA|VA) 17 $3,795,000 $223,235 $7,507 8.68%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 11 $3,755,000 $341,364 $5,848 8.36%
    VISALIA, CA (FHA|USDA|VA) 23 $3,005,000 $130,652 $5,918 8.98%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 27 $2,995,000 $110,926 $7,528 8.65%
    BAKERSFIELD, CA (FHA|USDA|VA) 26 $2,910,000 $111,923 $4,409 8.97%
    Sonora, CA (FHA|USDA|VA) 10 $1,250,000 $125,000 $3,803 8.43%
    Susanville, CA (FHA|USDA|VA) 7 $675,000 $96,429 $3,592 9.00%
    Clearlake, CA (FHA|USDA|VA) 2 $630,000 $315,000 $5,603 7.63%
    Ukiah, CA (FHA|USDA|VA) 2 $410,000 $205,000 $3,415 7.63%
    Eureka-Arcata, CA (FHA|USDA|VA) 2 $290,000 $145,000 $0 9.50%
    Red Bluff, CA (FHA|USDA|VA) 3 $225,000 $75,000 $0 9.50%
    The Golden 1's top markets include San Francisco, Sacramento, San Jose, Los Angeles, and Stockton among others.

    Their top states include:
  • California (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against THE GOLDEN 1 based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Los Angeles Federal Credit Union
    Similarity Rank: 42
    VENTURA COUNTY
    Similarity Rank: 56
    MYPOINT Credit Union
    Similarity Rank: 81
    COASTHILLS
    Similarity Rank: 112
    SESLOC
    Similarity Rank: 169
    Educational Employees Credit Union
    Similarity Rank: 180
    SAN DIEGO COUNTY CREDIT UNION
    Similarity Rank: 184
    MISSION
    Similarity Rank: 205
    Sierra Central Credit Union
    Similarity Rank: 210
    SOUTHLAND CREDIT UNION
    Similarity Rank: 216

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 3,043 $358,395,000 $117,777 n/a 9.25%
    Conventional 1,344 $1,052,390,000 $783,028 $4,622 6.22%
    FHA 56 $23,370,000 $417,321 $13,505 6.21%

    For 2024, The Golden 1's most frequently originated type of loan was HELOC, with 3,043 originations. Their 2nd most popular type was Conventional, with 1,344 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 1,790 $207,320,000 $115,821 $2,833 9.18%
    Home Purchase 829 $608,465,000 $733,975 $6,156 6.21%
    Other 751 $74,775,000 $99,567 $2,861 9.10%
    Cash Out Refi 746 $183,980,000 $246,622 $3,743 8.65%
    Refi 327 $359,615,000 $1,099,740 $3,142 6.04%

    For 2024, The Golden 1's most frequently cited loan purpose was Home Improvement, with 1,790 originations. The 2nd most popular reason was Home Purchase, with 829 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,283 $1,229,715,000 $287,115 $5,180 8.38%
    20 Year 59 $14,455,000 $245,000 $3,119 6.20%
    15 Year 51 $59,485,000 $1,166,373 $3,055 6.20%
    10 Year 47 $113,445,000 $2,413,723 $2,708 5.86%
    Other 2 $15,490,000 $7,745,000 $0 6.03%
    3 Year 1 $1,565,000 $1,565,000 $0 6.27%

    For 2024, The Golden 1's most frequently cited loan duration was 30 Year, with 4,283 originations. The 2nd most popular length was 20 Year, with 59 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 864 $679,040,000 $785,926
    $1k-2k 165 $46,575,000 $282,273
    $2k-3k 97 $53,645,000 $553,041
    $5k+ 69 $42,245,000 $612,246
    $3k-4k 52 $27,100,000 $521,154
    $4k-5k 42 $22,810,000 $543,095

    The Golden 1's average total fees were $5,180, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 864 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 2,998 $354,240,000 $118,159
    6-7% 776 $553,270,000 $712,977
    5-6% 465 $475,025,000 $1,021,559
    7-8% 171 $49,625,000 $290,205
    <2.5% 28 $840,000 $30,000
    4-5% 5 $1,155,000 $231,000

    During 2024, The Golden 1's average interest rate for loans was 8.38%, while their most frequently originated rate bucket for loans was Over 8%, with 2,998 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,638 $95,580,000 $58,352 $1,892 9.08%
    $100k-200k 1,101 $143,725,000 $130,540 $3,005 8.96%
    $200k-400k 725 $199,405,000 $275,041 $4,483 7.98%
    $1MM+ 356 $606,300,000 $1,703,090 $5,684 6.07%
    $400k-600k 332 $159,570,000 $480,633 $6,245 7.12%
    $600k-1MM 291 $229,575,000 $788,918 $5,172 6.20%

    2024 saw The Golden 1 place emphasis on $100,000 or less loans with 1,638 originations, totaling $95,580,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 1,243 $311,255,000 $250,406 $4,781 8.43%
    $100k-150k 1,186 $180,610,000 $152,285 $5,284 8.62%
    $250k+ 874 $643,860,000 $736,682 $5,433 7.52%
    $75k-100k 551 $64,535,000 $117,123 $4,978 8.56%
    $50k-75k 393 $39,905,000 $101,539 $3,789 8.49%
    $50k or less 110 $6,780,000 $61,636 $3,026 8.62%

    The Golden 1 lent most frequently to those with incomes in the $150k-250k range, with 1,243 originations. The second most popular income band? $100k-150k, with 1,186 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 777 $260,565,000 $335,347 $4,571 8.17%
    44% 733 $134,855,000 $183,977 $5,267 8.91%
    20-30% 658 $160,770,000 $244,331 $4,321 8.28%
    43% 362 $81,020,000 $223,812 $4,683 8.74%
    42% 303 $128,915,000 $425,462 $6,038 8.17%
    41% 265 $75,975,000 $286,698 $4,941 8.46%
    40% 221 $67,055,000 $303,416 $5,481 8.37%
    39% 203 $66,625,000 $328,202 $5,216 8.32%
    37% 163 $49,165,000 $301,626 $4,633 8.26%
    36% 163 $46,695,000 $286,472 $4,150 8.31%
    38% 157 $54,345,000 $346,146 $4,854 8.34%
    <20% 120 $23,480,000 $195,667 $3,584 7.88%
    45% 80 $21,730,000 $271,625 $5,896 7.94%
    49% 57 $26,875,000 $471,491 $5,973 6.45%
    46% 45 $17,905,000 $397,889 $6,403 6.83%
    48% 39 $17,365,000 $445,256 $5,189 6.51%
    47% 32 $14,440,000 $451,250 $4,950 6.09%
    50-60% 14 $6,330,000 $452,143 $12,674 6.22%

    The Golden 1 lent most frequently to those with DTI ratios of 30-36%, with 777 originations. The next most common DTI ratio? 44%, with 733 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,327 $481,625,000 $206,972 $4,697 8.53%
    Asian 593 $327,435,000 $552,167 $4,892 7.52%
    Not provided 984 $237,850,000 $241,717 $5,473 8.46%
    Not applicable 49 $168,785,000 $3,444,592 $0 5.88%
    Asian Indian 146 $148,100,000 $1,014,384 $5,406 6.58%
    Black 181 $31,305,000 $172,956 $5,796 8.67%
    American Indian 78 $14,440,000 $185,128 $5,858 8.61%
    Filipino 22 $5,790,000 $263,182 $5,103 8.71%
    Other Asian 10 $4,910,000 $491,000 $4,366 8.25%
    Chinese 10 $4,710,000 $471,000 $4,590 7.95%
    Vietnamese 3 $3,075,000 $1,025,000 $5,247 6.29%
    Native Hawaiian or Islander 26 $2,940,000 $113,077 $4,058 8.99%
    Korean 3 $1,505,000 $501,667 $5,479 6.92%
    Japanese 7 $1,415,000 $202,143 $5,528 8.70%
    Other Pacific Islander 4 $270,000 $67,500 $0 8.53%

    Approval Rates

    Total approvals of all applications
    66.29%

    The Golden 1 has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    77.43%

    The Golden 1 has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,443 $1,434,155,000 $322,790

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,443 $1,434,155,000 $322,790

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 950 $202,560,000 $213,221 $3,188 8.70%
    40-60% 322 $270,990,000 $841,584 $4,199 7.15%
    60-80% 568 $502,850,000 $885,299 $4,859 6.43%
    80-100% 382 $261,620,000 $684,869 $6,803 6.39%
    Under 20% 2,221 $196,135,000 $88,309 $2,229 9.09%