Golden Empire Mortgage in Oregon vs the state
6.1%Denial rate-9.25 pts vs state
7.4%Decision denial rate-11.75 pts vs state
75.0%Origination rate+14.38 pts vs state
6.63%Median rate-0.13 pts vs state
0.36Rate spread (pts)+0.08 pts vs state
$130kMedian applicant income
99Loans originated
8Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 179 | 123 | 3.9% | 6.75% | #114 |
| 2024 | 150 | 123 | 5.3% | 6.99% | #129 |
| 2025 | 132 | 99 | 6.1% | 6.63% | #151 |
What Golden Empire Mortgage lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Golden Empire Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clatsop County | 87 | 68 | 3 | 3.4% |
| Multnomah County | 9 | 6 | 1 | 11.1% |
| Clackamas County | 7 | 5 | 2 | 28.6% |
| Washington County | 7 | 5 | 1 | 14.3% |
| Deschutes County | 6 | 6 | 0 | 0.0% |
| Douglas County | 3 | 2 | 0 | 0.0% |
| Grant County | 2 | 0 | 1 | 50.0% |
| Lincoln County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 0 | 0 | 0.0% |
| Jackson County | 2 | 2 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 132 applications in 2025, of which 99 were originated and 8 denied.
6.1% of all applications, or 7.4% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Golden Empire Mortgage originated in Oregon in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Golden Empire Mortgage's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology