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The Home Loan Expert: 2025 loan data
The Home Loan Expert's 2025 at a glance, from the public report every mortgage lender files each year.
Filed as GOLDEN EMPIRE MORTGAGE, INC.
- Home loans closed4,154Loans it funded in 2025
- Approval rate93.1%Of applications it said yes or no to
- Typical loan costs$11,072.16Middle amount, before taxes, prepaids and escrow
- Typical lender fees$5,154.56Its own charges to make the loan
What it closes
4,154 home loans closed in 2025
Share of its 2025 home loans: 63% Conventional, 31% FHA, 6% VA and 0% Other types.
These describe the lender's past loans. They are not a quote or a promise for your loan.
How these numbers are counted
Reported application outcomes and pricing, 2025
- Filed asGOLDEN EMPIRE MORTGAGE, INC.
- 2025 home loan decisionsOf 4,571 applications decided by GOLDEN EMPIRE MORTGAGE, INC. in 2025, 4,154 were originated, 101 were approved but not accepted by the borrower, and 316 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 93.1%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 1,016 applications were withdrawn by the borrower, 18 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.221 percentage points above the average prime offer rate (reported on 3,936 originations, 218 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$11,072.16 — originated closed-end household loans, 2025, 2,612 of 3,936 loans. FFIEC HMDA data browser.
- Median origination charges$5,154.56 — originated closed-end household loans, 2025, 3,936 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types2,621 Conventional, 1,292 FHA, 237 VA, 4 USDA — of 4,154 reported originations, 2025. FFIEC HMDA data browser.
Evidence read November 11, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for GOLDEN EMPIRE MORTGAGE, INC. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.