Lender in California · HMDA 2025
Golden Empire Mortgage, Inc. mortgages in California
Golden Empire Mortgage, Inc.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Golden Empire Mortgage, Inc. originated 2,633 owner-occupied single-family loans in California from 2,876 completed applications, making it the state's #23 lender by volume.
Its median conventional purchase loan costs were $9,630 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.50% (California: 6.625%).
Loans in CA
2,633
of 2,876 applications
Denial rate
5.9%
Purchase · CA 8.9%
Rate spread
+0.23 pts
Conv. · CA +0.09 pts
Loan amount
$415,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,489 | 2,283 | 5.9% | 6.500% | +0.23 pts | $9,630 | $415,000 |
| Refinance | 211 | 192 | 7.1% | 6.375% | +0.05 pts | $4,740 | $565,000 |
| Cash-out refinance | 176 | 158 | 8.0% | 6.750% | +0.44 pts | $6,630 | $335,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Golden Empire Mortgage, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Tulare County | 1 | 640 | 14.9% |
| Kings County | 2 | 157 | 9.8% |
| Ventura County | 5 | 184 | 2.8% |
| Kern County | 6 | 323 | 3.6% |
| Fresno County | 6 | 293 | 3.6% |
| Madera County | 6 | 83 | 3.7% |
| San Luis Obispo County | 15 | 29 | 1.2% |
| San Bernardino County | 21 | 188 | 0.9% |
| Santa Barbara County | 24 | 24 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology