# GOLDEN EMPIRE MORTGAGE, INC.

> **Canonical URL:** https://saferate.com/lenders/golden-empire-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


GOLDEN EMPIRE MORTGAGE, INC. is a independent mortgage company, headquartered in Sacramento, CA, serving borrowers across 12 states, with 2,664 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 82% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 13% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900VHUBSJJKOMBF27
- **Headquarters:** Sacramento, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** AZ, CA, CO, FL, IL, IN, MO, NV, OR, TN, TX, WA
- **Markets (MSAs):** 24
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 18/100
- Rating: ●○○○○ (1/5)

### Pull Through: Exceptional 🤩
- Score: 87/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.375%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,846
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,664
- **Dollar Volume:** $1.2 billion
- **Applications Received:** 3,628
- **Market Share:** 7.00%

## Typical Borrower Profile

- **Average Loan Amount:** $455,983
- **Average Borrower Income:** $156,489
- **Average Property Value:** $563,071

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 81/100 | 1,380 | +0.340% | $4,806 | Exceptional 🤩 |
| FHA | 85/100 | 1,050 | +0.542% | $5,235 | Exceptional 🤩 |
| VA | 79/100 | 179 | -0.249% | $3,937 | Strong 😀 |
| Jumbo | 71/100 | 50 | +0.404% | $1,695 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,202 loans, Score: 81/100 (Exceptional)
- Refinance: 178 loans, Score: 72/100 (Strong)

**FHA:**
- Purchase: 969 loans, Score: 85/100 (Exceptional)
- Refinance: 81 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 166 loans, Score: 79/100 (Strong)

**Jumbo:**
- Purchase: 43 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 84/100 | 2,385 | $1.1B | +0.384% | Exceptional 🤩 |
| Refinance | 74/100 | 279 | $121M | +0.321% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 2,371 | 0.83% | 87/100 |
| TX | 118 | 0.03% | 56/100 |
| OR | 102 | 0.24% | 64/100 |
| MO | 24 | 0.03% | 45/100 |
| AZ | 17 | 0.02% | 41/100 |
| NV | 15 | 0.04% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Visalia, CA | CA | 415 | 100/100 |
| Fresno, CA | CA | 331 | 88/100 |
| Riverside | CA | 329 | 77/100 |
| Bakersfield | CA | 305 | 89/100 |
| Los Angeles | CA | 217 | 73/100 |
| Oxnard | CA | 157 | 84/100 |
| Hanford | CA | 141 | 97/100 |
| San Diego | CA | 109 | 66/100 |
| Austin | TX | 92 | 66/100 |
| Non |  | 85 | 44/100 |
| Modesto, CA | CA | 62 | 71/100 |
| Anaheim | CA | 51 | 59/100 |
| San Luis Obispo | CA | 46 | 68/100 |
| Stockton | CA | 45 | 62/100 |
| Merced, CA | CA | 36 | 70/100 |

## Where This Lender Ranks

GOLDEN EMPIRE MORTGAGE, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Visalia, CA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#5** in Visalia, CA for VA Loans
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Hanford for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#6** in Hanford for VA Loans
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/va-loans)
- 🏆 **#8** in San Luis Obispo for FHA Loans
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/fha-loans)
- 🏆 **#8** in San Luis Obispo for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#9** in Oxnard for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#9** in Hanford Mortgage Companies
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/mortgage-companies)
- 🏆 **#10** in Bakersfield for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#11** in California for USDA Loans
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/usda-loans)
- 🏆 **#11** in California for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#11** in Bakersfield for VA Loans
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders/va-loans)
- 🏆 **#11** in Oxnard for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#11** in Hanford
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders)
- 🏆 **#11** in Hanford for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#12** in Hanford for FHA Loans
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/fha-loans)
- 🏆 **#12** in Hanford for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in Fresno, CA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fresno-ca/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#13** in Oxnard for VA Loans
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/va-loans)
- 🏆 **#13** in El Centro, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/el-centro-ca/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does GOLDEN EMPIRE MORTGAGE, INC. offer?

GOLDEN EMPIRE MORTGAGE, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GOLDEN EMPIRE MORTGAGE, INC. offer mortgages?

GOLDEN EMPIRE MORTGAGE, INC. offers mortgages in 12 states: AZ, CA, CO, FL, IL, IN, MO, NV, OR, TN, TX, WA.

### How competitive are GOLDEN EMPIRE MORTGAGE, INC.'s mortgage rates?

GOLDEN EMPIRE MORTGAGE, INC. has a pricing score of 18/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.375% above market average.

### What type of lender is GOLDEN EMPIRE MORTGAGE, INC.?

GOLDEN EMPIRE MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Sacramento, CA.

### What is GOLDEN EMPIRE MORTGAGE, INC.'s loan approval success rate?

GOLDEN EMPIRE MORTGAGE, INC. has a pull-through score of 87/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/golden-empire-mortgage

### How to Cite

> "GOLDEN EMPIRE MORTGAGE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/golden-empire-mortgage

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