Golden Empire Mortgage in Missouri vs the state
8.7%Denial rate-6.37 pts vs state
11.1%Decision denial rate-7.59 pts vs state
67.4%Origination rate+4.73 pts vs state
6.88%Median rate+0.25 pts vs state
0.66Rate spread (pts)+0.31 pts vs state
$108kMedian applicant income
31Loans originated
4Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 55 | 25 | 7.3% | 6.63% | #319 |
| 2025 | 46 | 31 | 8.7% | 6.88% | #351 |
What Golden Empire Mortgage lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Golden Empire Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 14 | 8 | 2 | 14.3% |
| St. Charles County | 13 | 12 | 0 | 0.0% |
| Jefferson County | 8 | 5 | 0 | 0.0% |
| St. Louis city | 2 | 1 | 0 | 0.0% |
| Jackson County | 2 | 1 | 0 | 0.0% |
| Lincoln County | 2 | 2 | 0 | 0.0% |
| Franklin County | 2 | 0 | 2 | 100.0% |
| Warren County | 1 | 1 | 0 | 0.0% |
| St. Francois County | 1 | 0 | 0 | 0.0% |
| Ozark County | 1 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 46 applications in 2025, of which 31 were originated and 4 denied.
8.7% of all applications, or 11.1% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Golden Empire Mortgage originated in Missouri in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Golden Empire Mortgage's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology