Golden Empire Mortgage, Inc. mortgage approval rate & lending review
Golden Empire Mortgage, Inc. decided 10,506 mortgage applications and funded 9,466 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Golden Empire Mortgage, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Golden Empire Mortgage, Inc. at a glance
Approval is 6.3 points above the 85.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 8,230 / 8,876 | 98% | $355K | 8,041 |
| Cash-out refinance | 88% | 462 / 523 | 98% | $335K | 455 |
| Refinance | 91% | 380 / 417 | 98% | $525K | 373 |
| Investment property purchase | 91% | 409 / 450 | 97% | $275K | 398 |
| Investment cash-out refinance | 84% | 129 / 153 | 98% | $215K | 127 |
| Investment refinance | 85% | 74 / 87 | 97% | $365K | 72 |
Golden Empire Mortgage, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 92% | $355K | 9,575 | 8,625 |
| Texas | 90% | $415K | 274 | 245 |
| Colorado | 94% | $305K | 258 | 242 |
| Oregon | 92% | $435K | 146 | 132 |
| Nevada | 84% | $325K | 92 | 77 |
| Arizona | 95% | $395K | 63 | 60 |
| Missouri | 92% | $245K | 38 | 35 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Golden Empire Mortgage, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kern County, CA | Mortgage lenders | 93% | 1,305 | 1,187 |
| Tulare County, CA | Mortgage lenders | 97% | 1,221 | 1,161 |
| San Bernardino County, CA | Mortgage lenders | 91% | 805 | 715 |
| Los Angeles County, CA | Mortgage lenders | 91% | 744 | 660 |
| Fresno County, CA | Mortgage lenders | 95% | 723 | 656 |
| Riverside County, CA | Mortgage lenders | 88% | 525 | 451 |
| Ventura County, CA | Mortgage lenders | 92% | 480 | 435 |
| Kings County, CA | Mortgage lenders | 94% | 384 | 352 |
| San Diego County, CA | Mortgage lenders | 92% | 350 | 314 |
| Madera County, CA | Mortgage lenders | 94% | 259 | 237 |
| Stanislaus County, CA | Mortgage lenders | 90% | 231 | 202 |
| San Joaquin County, CA | Mortgage lenders | 89% | 228 | 201 |
The county markets where Golden Empire Mortgage, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Golden Empire Mortgage, Inc.
What is Golden Empire Mortgage, Inc.'s mortgage approval rate?
Golden Empire Mortgage, Inc. approved 92.2% of the 10,506 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.3 points above the 85.9% national rate for the same mix of loan types.
How often do borrowers take the loan Golden Empire Mortgage, Inc. offers?
Borrowers accepted 98% of the loans Golden Empire Mortgage, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Golden Empire Mortgage, Inc. make?
The typical home purchase mortgage loan Golden Empire Mortgage, Inc. made was $355K; across all loan types its typical loan ran from $215K to $525K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Golden Empire Mortgage, Inc. lend?
Golden Empire Mortgage, Inc. decided applications in 16 of the states Fat Boy Data covers, most of them in California, Texas and Colorado.
Can I apply to Golden Empire Mortgage, Inc. directly?
Yes. Golden Empire Mortgage, Inc. reports as a direct lender that takes applications from borrowers.
Does this page show Golden Empire Mortgage, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Golden Empire Mortgage, Inc. treats applications, then get a rate quote from the lender.