Golden Empire Mortgage, Inc. Mortgage Lending & HMDA Data, 2025

In 2025, Golden Empire Mortgage, Inc. of Bakersfield, CA reported 5,612 mortgage applications totaling $2.2 billion, up 14% from 2024. The average application was for $386,204, and applicants reported an average income of $155,207. 74% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Visalia-Porterville, CA (1,015), Fresno, CA (778) and Bakersfield, CA (600) (applications in parentheses).

Mortgage Company & Address Golden Empire Mortgage, Inc.
1200 Discovery Drive, Suite 300
Bakersfield, CA 93309
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 5,612
Total Mortgage Loan Application Amount $2,167,380,000
Average Mortgage Loan Application Amount $386,204
Highest Mortgage Loan Application Amount $3,805,000
Average Applicant Income $155,207
Highest Applicant Income $4,147,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Golden Empire Mortgage, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Golden Empire Mortgage, Inc. by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Tulare, California 1,015 $ 337,105,000 $ 332,123 $ 138,000
Fresno, California 605 $ 198,745,000 $ 328,504 $ 137,000
Kern, California 600 $ 155,390,000 $ 258,983 $ 108,000
Los Angeles, California 438 $ 270,310,000 $ 617,146 $ 232,000
San Bernardino, California 363 $ 127,935,000 $ 352,438 $ 140,000
Ventura, California 287 $ 173,485,000 $ 604,477 $ 221,000
Kings, California 263 $ 75,805,000 $ 288,231 $ 104,000
Riverside, California 228 $ 95,270,000 $ 417,850 $ 161,000
San Diego, California 206 $ 135,110,000 $ 655,873 $ 250,000
Madera, California 173 $ 48,235,000 $ 278,815 $ 118,000
Orange, California 97 $ 61,175,000 $ 630,670 $ 270,000
Clatsop, Oregon 87 $ 30,785,000 $ 353,850 $ 132,000
San Joaquin, California 86 $ 23,950,000 $ 278,488 $ 114,000
Clark, Nevada 74 $ 21,860,000 $ 295,405 $ 126,000
Stanislaus, California 69 $ 15,955,000 $ 231,231 $ 115,000
San Luis Obispo, California 67 $ 45,455,000 $ 678,432 $ 264,000
Travis, Texas 67 $ 31,825,000 $ 475,000 $ 241,000
Weld, Colorado 52 $ 13,030,000 $ 250,576 $ 103,000
Santa Barbara, California 51 $ 22,455,000 $ 440,294 $ 171,000
Arapahoe, Colorado 45 $ 14,125,000 $ 313,888 $ 113,000
Denver, Colorado 43 $ 12,355,000 $ 287,325 $ 120,000
Sacramento, California 42 $ 13,680,000 $ 325,714 $ 141,000
Adams, Colorado 41 $ 11,695,000 $ 285,243 $ 110,000
El Paso, Colorado 41 $ 11,205,000 $ 273,292 $ 109,000
Merced, California 38 $ 8,570,000 $ 225,526 $ 97,000
Contra Costa, California 36 $ 15,630,000 $ 434,166 $ 167,000
Williamson, Texas 25 $ 10,595,000 $ 423,800 $ 182,000
Jefferson, Colorado 21 $ 7,935,000 $ 377,857 $ 124,000
Pueblo, Colorado 20 $ 3,850,000 $ 192,500 $ 74,000
Alameda, California 16 $ 9,470,000 $ 591,875 $ 221,000
St. Louis, Missouri 14 $ 3,780,000 $ 270,000 $ 140,000
Santa Clara, California 13 $ 14,445,000 $ 1,111,153 $ 340,000
St. Charles, Missouri 13 $ 3,455,000 $ 265,769 $ 104,000
Hays, Texas 13 $ 4,695,000 $ 361,153 $ 238,000
Calaveras, California 11 $ 2,575,000 $ 234,090 $ 129,000
Morgan, Colorado 10 $ 2,560,000 $ 256,000 $ 95,000
Sonoma, California 9 $ 4,105,000 $ 456,111 $ 286,000
Fremont, Colorado 9 $ 1,855,000 $ 206,111 $ 75,000
Multnomah, Oregon 9 $ 4,015,000 $ 446,111 $ 163,000
Bexar, Texas 9 $ 3,555,000 $ 395,000 $ 145,000
Yolo, California 8 $ 2,150,000 $ 268,750 $ 135,000
Douglas, Colorado 8 $ 3,690,000 $ 461,250 $ 167,000
Larimer, Colorado 8 $ 2,810,000 $ 351,250 $ 138,000
Jefferson, Missouri 8 $ 2,200,000 $ 275,000 $ 100,000
Clackamas, Oregon 7 $ 3,215,000 $ 459,285 $ 142,000
Washington, Oregon 7 $ 2,875,000 $ 410,714 $ 206,000
Harris, Texas 7 $ 3,015,000 $ 430,714 $ 205,000
Pacific, Washington 7 $ 2,175,000 $ 310,714 $ 132,000
Maricopa, Arizona 6 $ 2,550,000 $ 425,000 $ 160,000
Boulder, Colorado 6 $ 3,150,000 $ 525,000 $ 135,000
Madison, Illinois 6 $ 2,050,000 $ 341,666 $ 146,000
Deschutes, Oregon 6 $ 4,200,000 $ 700,000 $ 511,000
San Mateo, California 5 $ 5,055,000 $ 1,011,000 $ 356,000
Solano, California 5 $ 1,835,000 $ 367,000 $ 208,000
Mesa, Colorado 5 $ 1,595,000 $ 319,000 $ 77,000
Broward, Florida 5 $ 4,665,000 $ 933,000 $ 215,000
Bastrop, Texas 5 $ 1,965,000 $ 393,000 $ 103,000
Bell, Texas 5 $ 1,385,000 $ 277,000 $ 191,000
Mohave, Arizona 4 $ 1,830,000 $ 457,500 $ 102,000
El Dorado, California 4 $ 2,100,000 $ 525,000 $ 291,000
Santa Cruz, California 4 $ 3,410,000 $ 852,500 $ 251,000
Broomfield, Colorado 4 $ 1,980,000 $ 495,000 $ 172,000
Las Animas, Colorado 4 $ 390,000 $ 97,500 $ 58,000
DuPage, Illinois 4 $ 950,000 $ 237,500 $ 89,000
Cuyahoga, Ohio 4 $ 430,000 $ 107,500 $ 193,000
Tarrant, Texas 4 $ 1,370,000 $ 342,500 $ 138,000
Nevada, California 3 $ 745,000 $ 248,333 $ 92,000
Garfield, Colorado 3 $ 975,000 $ 325,000 $ 116,000
Logan, Colorado 3 $ 345,000 $ 115,000 $ 42,000
Ada, Idaho 3 $ 1,905,000 $ 635,000 $ 178,000
St. Clair, Illinois 3 $ 495,000 $ 165,000 $ 119,000
Douglas, Oregon 3 $ 805,000 $ 268,333 $ 82,000
Burnet, Texas 3 $ 935,000 $ 311,666 $ 95,000
Pinal, Arizona 2 $ 600,000 $ 300,000 $ 96,000
Yavapai, Arizona 2 $ 730,000 $ 365,000 $ 137,000
Butte, California 2 $ 640,000 $ 320,000 $ 287,000
Placer, California 2 $ 600,000 $ 300,000 $ 107,000
San Francisco, California 2 $ 990,000 $ 495,000 $ 172,000
Shasta, California 2 $ 520,000 $ 260,000 $ 64,000
Tuolumne, California 2 $ 560,000 $ 280,000 $ 84,000
Archuleta, Colorado 2 $ 470,000 $ 235,000 $ 92,000
Bent, Colorado 2 $ 160,000 $ 80,000 $ 119,000
Clear Creek, Colorado 2 $ 510,000 $ 255,000 $ 173,000
Gilpin, Colorado 2 $ 380,000 $ 190,000 $ 79,000
Gunnison, Colorado 2 $ 540,000 $ 270,000 $ 143,000
Kit Carson, Colorado 2 $ 280,000 $ 140,000 $ 94,000
Marion, Florida 2 $ 660,000 $ 330,000 $ 155,000
Cook, Illinois 2 $ 290,000 $ 145,000 $ 102,000
Winnebago, Illinois 2 $ 340,000 $ 170,000 $ 89,000
Hamilton, Indiana 2 $ 870,000 $ 435,000 $ 225,000
Hancock, Indiana 2 $ 850,000 $ 425,000 $ 51,000
Marion, Indiana 2 $ 370,000 $ 185,000 $ 129,000
Morgan, Indiana 2 $ 350,000 $ 175,000 $ 85,000
Franklin, Missouri 2 $ 610,000 $ 305,000 $ 76,000
Jackson, Missouri 2 $ 970,000 $ 485,000 $ 186,000
Lincoln, Missouri 2 $ 650,000 $ 325,000 $ 111,000
St. Louis City, Missouri 2 $ 550,000 $ 275,000 $ 198,000
Washoe, Nevada 2 $ 1,190,000 $ 595,000 $ 178,000
Montgomery, Ohio 2 $ 170,000 $ 85,000 $ 128,000
Grant, Oregon 2 $ 70,000 $ 35,000 $ 140,000
Jackson, Oregon 2 $ 700,000 $ 350,000 $ 88,000
Jefferson, Oregon 2 $ 600,000 $ 300,000 $ 62,000
Lincoln, Oregon 2 $ 580,000 $ 290,000 $ 155,000
Wood, Texas 2 $ 730,000 $ 365,000 $ 159,000
Clark, Washington 2 $ 720,000 $ 360,000 $ 123,000
Lewis, Washington 2 $ 840,000 $ 420,000 $ 166,000
Thurston, Washington 2 $ 600,000 $ 300,000 $ 90,000
Coconino, Arizona 1 $ 385,000 $ 385,000 $ 513,000
Yuma, Arizona 1 $ 1,365,000 $ 1,365,000 $ 431,000
Imperial, California 1 $ 285,000 $ 285,000 $ 131,000
Marin, California 1 $ 405,000 $ 405,000 $ 0
Mariposa, California 1 $ 175,000 $ 175,000 $ 154,000
Napa, California 1 $ 765,000 $ 765,000 $ 210,000
San Benito, California 1 $ 785,000 $ 785,000 $ 393,000
Costilla, Colorado 1 $ 145,000 $ 145,000 $ 41,000
Elbert, Colorado 1 $ 765,000 $ 765,000 $ 223,000
Otero, Colorado 1 $ 185,000 $ 185,000 $ 0
Park, Colorado 1 $ 765,000 $ 765,000 $ 324,000
San Juan, Colorado 1 $ 565,000 $ 565,000 $ 160,000
Teller, Colorado 1 $ 185,000 $ 185,000 $ 49,000
Brevard, Florida 1 $ 385,000 $ 385,000 $ 132,000
Duval, Florida 1 $ 135,000 $ 135,000 $ 2,000
Hillsborough, Florida 1 $ 635,000 $ 635,000 $ 234,000
Pasco, Florida 1 $ 145,000 $ 145,000 $ 47,000
Polk, Florida 1 $ 145,000 $ 145,000 $ 92,000
Sumter, Florida 1 $ 395,000 $ 395,000 $ 74,000
Bonner, Idaho 1 $ 145,000 $ 145,000 $ 92,000
Bonneville, Idaho 1 $ 305,000 $ 305,000 $ 101,000
Canyon, Idaho 1 $ 255,000 $ 255,000 $ 119,000
Boone, Illinois 1 $ 185,000 $ 185,000 $ 175,000
Macoupin, Illinois 1 $ 235,000 $ 235,000 $ 103,000
Decatur, Indiana 1 $ 235,000 $ 235,000 $ 172,000
Hendricks, Indiana 1 $ 255,000 $ 255,000 $ 163,000
St. Joseph, Indiana 1 $ 195,000 $ 195,000 $ 65,000
Barnstable, Massachusetts 1 $ 475,000 $ 475,000 $ 335,000
Ozark, Missouri 1 $ 545,000 $ 545,000 $ 133,000
St. Francois, Missouri 1 $ 155,000 $ 155,000 $ 60,000
Warren, Missouri 1 $ 325,000 $ 325,000 $ 90,000
Douglas, Nevada 1 $ 745,000 $ 745,000 $ 181,000
Lyon, Nevada 1 $ 395,000 $ 395,000 $ 165,000
Coos, Oregon 1 $ 385,000 $ 385,000 $ 108,000
Lane, Oregon 1 $ 805,000 $ 805,000 $ 183,000
Linn, Oregon 1 $ 355,000 $ 355,000 $ 251,000
Marion, Oregon 1 $ 355,000 $ 355,000 $ 366,000
Yamhill, Oregon 1 $ 275,000 $ 275,000 $ 85,000
Bedford, Tennessee 1 $ 375,000 $ 375,000 $ 95,000
Robertson, Tennessee 1 $ 715,000 $ 715,000 $ 285,000
Bandera, Texas 1 $ 545,000 $ 545,000 $ 212,000
Brazoria, Texas 1 $ 335,000 $ 335,000 $ 239,000
Brazos, Texas 1 $ 595,000 $ 595,000 $ 188,000
Comal, Texas 1 $ 705,000 $ 705,000 $ 303,000
Dallas, Texas 1 $ 135,000 $ 135,000 $ 60,000
Denton, Texas 1 $ 505,000 $ 505,000 $ 119,000
Grayson, Texas 1 $ 275,000 $ 275,000 $ 93,000
Hood, Texas 1 $ 325,000 $ 325,000 $ 75,000
Johnson, Texas 1 $ 305,000 $ 305,000 $ 68,000
Kendall, Texas 1 $ 585,000 $ 585,000 $ 82,000
Llano, Texas 1 $ 1,175,000 $ 1,175,000 $ 1,832,000
Milam, Texas 1 $ 345,000 $ 345,000 $ 174,000
Montgomery, Texas 1 $ 335,000 $ 335,000 $ 207,000
Ochiltree, Texas 1 $ 155,000 $ 155,000 $ 75,000
Polk, Texas 1 $ 235,000 $ 235,000 $ 102,000
Rockwall, Texas 1 $ 225,000 $ 225,000 $ 200,000
San Patricio, Texas 1 $ 155,000 $ 155,000 $ 92,000
Wichita, Texas 1 $ 345,000 $ 345,000 $ 111,000
Utah, Utah 1 $ 1,265,000 $ 1,265,000 $ 1,001,000
Grays Harbor, Washington 1 $ 255,000 $ 255,000 $ 166,000
King, Washington 1 $ 855,000 $ 855,000 $ 386,000
Kitsap, Washington 1 $ 315,000 $ 315,000 $ 70,000
Snohomish, Washington 1 $ 695,000 $ 695,000 $ 234,000
Spokane, Washington 1 $ 445,000 $ 445,000 $ 111,000

Mortgage Loan Application Detail Totals for Golden Empire Mortgage, Inc. in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 4,652 $1,728,780,000 $371,000 $3,005,000 $150,000 $4,147,000
Refinancing 490 $257,610,000 $525,000 $3,265,000 $205,000 $3,486,000
Cash-out Refinancing 453 $178,435,000 $393,000 $3,805,000 $159,000 $2,235,000
Other Purpose 17 $2,555,000 $150,000 $415,000 $44,000 $98,000
Home Improvement 0 $0 $0 $0 $0 $0
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Hispanic 2,820 $912,470,000 $323,000 $3,805,000 $127,000 $4,147,000
White 1,717 $772,355,000 $449,000 $3,005,000 $184,000 $2,147,000
Not Provided 559 $263,185,000 $470,000 $3,265,000 $192,000 $2,602,000
Asian 325 $145,845,000 $448,000 $2,625,000 $185,000 $1,599,000
Black or African American 149 $57,615,000 $386,000 $865,000 $137,000 $432,000
American Indian or Alaskan Native 31 $12,595,000 $406,000 $895,000 $157,000 $326,000
Native Hawaiian or Other Pacific Islander 11 $3,315,000 $301,000 $555,000 $142,000 $330,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 3,586 $1,324,730,000 $369,000 $3,805,000 $174,000 $4,147,000
FHA-insured (Federal Housing Administration) 1,687 $669,925,000 $397,000 $1,355,000 $116,000 $600,000
VA-guaranteed (Veterans Administration) 332 $170,680,000 $514,000 $1,715,000 $145,000 $1,832,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 7 $2,045,000 $292,000 $395,000 $92,000 $125,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 4,154 $1,593,830,000 $383,000 $3,005,000 $153,000 $4,147,000
Application Withdrawn By Applicant 1,016 $397,260,000 $391,000 $3,805,000 $161,000 $3,486,000
Application Denied By Financial Institution 316 $130,340,000 $412,000 $2,735,000 $158,000 $1,204,000
Application Approved But Not Accepted 101 $36,545,000 $361,000 $1,465,000 $154,000 $749,000
File Closed For Incompleteness 18 $6,430,000 $357,000 $1,045,000 $120,000 $265,000
Preapproval Denied by Financial Institution 7 $2,975,000 $425,000 $635,000 $103,000 $156,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 5,289 $2,034,065,000 $384,000 $3,805,000 $155,000 $4,147,000
Insufficient Cash (Downpayment, Closing Cost) 65 $27,945,000 $429,000 $1,505,000 $190,000 $1,204,000
Other 61 $23,765,000 $389,000 $2,735,000 $140,000 $403,000
Debt-To-Income Ratio 56 $25,220,000 $450,000 $1,535,000 $126,000 $381,000
Collateral 55 $22,395,000 $407,000 $2,505,000 $168,000 $587,000
Credit Application Incomplete 42 $14,950,000 $355,000 $915,000 $146,000 $758,000
Unverifiable Information 23 $11,935,000 $518,000 $1,995,000 $182,000 $685,000
Credit History 19 $6,065,000 $319,000 $1,325,000 $131,000 $365,000
Employment History 2 $1,040,000 $520,000 $525,000 $286,000 $331,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Golden Empire Mortgage, Inc.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Golden Empire Mortgage, Inc.'s mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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