Golden Empire Mortgage in California vs the state
5.4%Denial rate-12.06 pts vs state
6.6%Decision denial rate-15.82 pts vs state
74.1%Origination rate+17.94 pts vs state
6.25%Median rate-0.38 pts vs state
0.20Rate spread (pts)-0.07 pts vs state
$123kMedian applicant income
3,527Loans originated
255Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,755 | 1,939 | 7.4% | 6.38% | #62 |
| 2024 | 4,420 | 3,227 | 6.4% | 6.50% | #41 |
| 2025 | 4,757 | 3,527 | 5.4% | 6.25% | #41 |
What Golden Empire Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Golden Empire Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulare County | 1,015 | 801 | 32 | 3.2% |
| Fresno County | 605 | 386 | 32 | 5.3% |
| Kern County | 600 | 462 | 23 | 3.8% |
| Los Angeles County | 438 | 325 | 38 | 8.7% |
| San Bernardino County | 363 | 260 | 22 | 6.1% |
| Ventura County | 287 | 225 | 15 | 5.2% |
| Kings County | 263 | 203 | 15 | 5.7% |
| Riverside County | 228 | 159 | 12 | 5.3% |
| San Diego County | 206 | 146 | 11 | 5.3% |
| Madera County | 173 | 129 | 7 | 4.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 4,757 applications in 2025, of which 3,527 were originated and 255 denied.
5.4% of all applications, or 6.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Golden Empire Mortgage originated in California in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Golden Empire Mortgage's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology