Golden Empire Mortgage in Arizona vs the state
0.0%Denial rate-16.23 pts vs state
0.0%Decision denial rate-20.41 pts vs state
93.8%Origination rate+34.27 pts vs state
6.75%Median rate+0.25 pts vs state
0.39Rate spread (pts)+0.17 pts vs state
$117kMedian applicant income
15Loans originated
0Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36 | 26 | 8.3% | 6.75% | #352 |
| 2024 | 25 | 19 | 0.0% | 6.99% | #379 |
| 2025 | 16 | 15 | 0.0% | 6.75% | #439 |
What Golden Empire Mortgage lends in Arizona
By loan purpose
By loan type
Where in Arizona
Counties with the most Golden Empire Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 6 | 6 | 0 | 0.0% |
| Mohave County | 4 | 4 | 0 | 0.0% |
| Yavapai County | 2 | 2 | 0 | 0.0% |
| Pinal County | 2 | 2 | 0 | 0.0% |
| Coconino County | 1 | 1 | 0 | 0.0% |
| Yuma County | 1 | 0 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 16 applications in 2025, of which 15 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Golden Empire Mortgage originated in Arizona in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Golden Empire Mortgage's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology