Lender profile · HMDA 2023–2025
The Golden 1 mortgage approval rates & lending data
The Golden 1 decided 18,617 mortgage applications and funded 12,423 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 2,956 / 3,379 | 99% | $895K | 2,916 |
| Home improvement loans | 65% | 6,038 / 9,292 | 97% | $85K | 5,834 |
| Cash-out refinance | 65% | 2,377 / 3,663 | 97% | $125K | 2,306 |
| Refinance | 72% | 835 / 1,154 | 98% | $1.06M | 815 |
| Investment property purchase | 74% | 174 / 235 | 98% | $435K | 170 |
| Investment cash-out refinance | 40% | 72 / 182 | 99% | $205K | 71 |
| Investment refinance | 51% | 29 / 57 | 90% | $405K | 26 |
| Investment home improvement | 46% | 299 / 655 | 95% | $105K | 285 |
The Golden 1 lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 69% | $125K | 18,616 | 12,423 |
| Nevada | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.