Golden Empire Mortgage, Inc NMLS #2427
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Who is Golden Empire Mortgage, Inc?
Golden Empire Mortgage, Inc (NMLS #2427) is a lender or broker listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerGolden Empire Mortgage, Inc
- NMLS #2427
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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Reported application outcomes and pricing, 2025
- 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.
- Median rate spread0.221 (reported on 3,936 originations, 218 reported no spread at all -- a median of what was reported, not of everything originated)
That is an approval rate of 93.1%. Withdrawn, incomplete and purchased loans are not counted here and are not part of that rate.
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Evidence read 2026-10-10T20:58:22+00:00
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.
About Golden Empire Mortgage, Inc
Overview
Golden Empire Mortgage, Inc is a mortgage lender with 127 branches in Arizona, California, Colorado, Florida, Hawaii, Missouri, Nevada, Oregon, Texas, and Washington. The company is based in Bakersfield, California.
Mortgage options
Mortgage options include conventional, FHA, VA, USDA, jumbo, rehab, and construction loans.
Company details and licensing
Golden Empire Mortgage, Inc is a corporation formed in California on July 17, 1987. Its headquarters are at 1200 Discovery Drive, Suite 300, Bakersfield, California 93309. NMLS company ID is 2427. Supported trade names include GEM Mortgage, All Pacific Mortgage, and TheHomeLoanExpert.com. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #2427 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Frequently Asked Questions
What is Golden Empire Mortgage, Inc's NMLS number?
Golden Empire Mortgage, Inc's NMLS number is 2427. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Golden Empire Mortgage, Inc's NMLS ID?
Yes. We checked Golden Empire Mortgage, Inc's company name and NMLS ID against the NMLS record on May 12, 2026. They've been in our lender network since April 2026. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Golden Empire Mortgage, Inc?
This page has Golden Empire Mortgage, Inc's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.