Golden Empire Mortgage in Texas vs the state
10.1%Denial rate-9.30 pts vs state
13.0%Decision denial rate-11.89 pts vs state
66.5%Origination rate+11.58 pts vs state
6.63%Median rate+0.13 pts vs state
0.33Rate spread (pts)+0.13 pts vs state
$170kMedian applicant income
105Loans originated
16Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36 | 23 | 8.3% | 7.38% | #773 |
| 2024 | 221 | 137 | 5.4% | 6.75% | #381 |
| 2025 | 158 | 105 | 10.1% | 6.63% | #460 |
What Golden Empire Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Golden Empire Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Travis County | 67 | 45 | 6 | 9.0% |
| Williamson County | 25 | 16 | 2 | 8.0% |
| Hays County | 13 | 8 | 1 | 7.7% |
| Bexar County | 9 | 5 | 3 | 33.3% |
| Harris County | 7 | 5 | 0 | 0.0% |
| Bell County | 5 | 3 | 0 | 0.0% |
| Bastrop County | 5 | 3 | 0 | 0.0% |
| Tarrant County | 4 | 3 | 0 | 0.0% |
| Burnet County | 3 | 1 | 2 | 66.7% |
| Wood County | 2 | 2 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 158 applications in 2025, of which 105 were originated and 16 denied.
10.1% of all applications, or 13.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Golden Empire Mortgage originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Golden Empire Mortgage's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology