Golden Empire Mortgage, Inc.: 2025 mortgage rates, costs & approvals
How Golden Empire Mortgage, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: GOLDEN EMPIRE MORTGAGE, INC. · LEI 254900VHUBSJJKOMBF27
In 2025, Golden Empire Mortgage, Inc. originated 3,113 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 13 states — 193rd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.624% (all lenders: 6.625%); its median rate spread was 11 basis points above the national median. Median conventional loan costs were $9,210, 65% higher than the national median ($5,570).
It denied 6.1% of completed home-purchase applications (all lenders: 8.5%).
How Golden Empire Mortgage, Inc. priced home-purchase loans
| Purchase loans, 2025 | Golden Empire Mortgage, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.624% | 6.625% |
| 30-year fixed rate · FHA | 6.125% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.24 pts | +0.13 pts |
| Total loan costs · conventional | $9,210 | $5,570 |
| Total loan costs · FHA | $16,150 | $11,310 |
| Total loan costs · VA | $8,670 | $6,490 |
| Origination charges (all types) | $5,490 | $1,860 |
| Borrowers paying discount points | 46.8% | 51.3% |
| Points paid, when paid (% of loan) | 0.99% | 0.87% |
| Borrowers receiving lender credits | 35.2% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Golden Empire Mortgage, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Golden Empire Mortgage, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 2,633 | 2,876 | 5.9% | 6.500% | $9,630 |
| Colorado | 182 | 195 | 3.4% | 6.500% | $6,110 |
| Texas | 91 | 109 | 13.4% | 6.750% | $8,250 |
| Oregon | 84 | 92 | 5.4% | 6.875% | $7,200 |
| Nevada | 42 | 48 | 13.6% | — | — |
| Missouri | 31 | 36 | — | — | — |
| Washington | 12 | 13 | — | — | — |
| Arizona | 11 | 11 | — | — | — |
| Illinois | 10 | 11 | — | — | — |
| Florida | 7 | 8 | — | — | — |
| Indiana | 6 | 7 | — | — | — |
| Idaho | 2 | 2 | — | — | — |
| Tennessee | 2 | 2 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Golden Empire Mortgage, Inc.'s page for that state.
Counties where Golden Empire Mortgage, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Tulare County, CA | 1 | 640 | 14.9% |
| Clatsop County, OR | 1 | 59 | 12.3% |
| Kings County, CA | 2 | 157 | 9.8% |
| Madera County, CA | 6 | 83 | 3.7% |
| Fresno County, CA | 6 | 293 | 3.6% |
| Kern County, CA | 6 | 323 | 3.6% |
| Costilla County, CO | 7 | 1 | 3.6% |
| Ventura County, CA | 5 | 184 | 2.8% |
| Bent County, CO | 10 | 1 | 2.4% |
| Ochiltree County, TX | 10 | 1 | 1.7% |
| Ozark County, MO | 13 | 1 | 1.6% |
| Pacific County, WA | 14 | 4 | 1.4% |
| San Luis Obispo County, CA | 15 | 29 | 1.2% |
| Morgan County, CO | 24 | 4 | 1.0% |
| San Bernardino County, CA | 21 | 188 | 0.9% |
Check Golden Empire Mortgage, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 254900VHUBSJJKOMBF27.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Golden Empire Mortgage, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology