Golden Empire Mortgage in Florida vs the state
15.4%Denial rate-5.68 pts vs state
20.0%Decision denial rate-7.24 pts vs state
53.9%Origination rate+1.16 pts vs state
6.38%Median rate-0.25 pts vs state
0.27Rate spread (pts)0.00 pts vs state
$155kMedian applicant income
7Loans originated
2Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 9 | 3 | 22.2% | 6.63% | #946 |
| 2025 | 13 | 7 | 15.4% | 6.38% | #853 |
What Golden Empire Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Golden Empire Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 5 | 3 | 2 | 40.0% |
| Marion County | 2 | 2 | 0 | 0.0% |
| Hillsborough County | 1 | 0 | 0 | 0.0% |
| Sumter County | 1 | 1 | 0 | 0.0% |
| Polk County | 1 | 1 | 0 | 0.0% |
| Brevard County | 1 | 0 | 0 | 0.0% |
| Pasco County | 1 | 0 | 0 | 0.0% |
| Duval County | 1 | 0 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 13 applications in 2025, of which 7 were originated and 2 denied.
15.4% of all applications, or 20.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Golden Empire Mortgage originated in Florida in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Golden Empire Mortgage's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology