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records Golden Empire Mortgage, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Visalia-Porterville, CA | 1,015 | $ 337,105,000 | $ 332,123 | $ 138,000 |
| Fresno, CA | 778 | $ 246,980,000 | $ 317,455 | $ 132,000 |
| Bakersfield, CA | 600 | $ 155,390,000 | $ 258,983 | $ 108,000 |
| Riverside-San Bernardino-Ontario, CA | 591 | $ 223,205,000 | $ 377,673 | $ 148,000 |
| Los Angeles-Long Beach-Glendale, CA | 438 | $ 270,310,000 | $ 617,146 | $ 232,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 287 | $ 173,485,000 | $ 604,477 | $ 221,000 |
| Hanford-Corcoran, CA | 263 | $ 75,805,000 | $ 288,231 | $ 104,000 |
| San Diego-Carlsbad, CA | 206 | $ 135,110,000 | $ 655,873 | $ 250,000 |
| Outside any metro area | 185 | $ 57,495,000 | $ 310,783 | $ 128,129 |
| Denver-Aurora-Lakewood, CO | 168 | $ 54,200,000 | $ 322,619 | $ 122,000 |
| Austin-Round Rock, TX | 110 | $ 49,080,000 | $ 446,181 | $ 221,000 |
| Anaheim-Santa Ana-Irvine, CA | 97 | $ 61,175,000 | $ 630,670 | $ 270,000 |
| Stockton-Lodi, CA | 86 | $ 23,950,000 | $ 278,488 | $ 114,000 |
| Las Vegas-Henderson-Paradise, NV | 74 | $ 21,860,000 | $ 295,405 | $ 126,000 |
| Modesto, CA | 69 | $ 15,955,000 | $ 231,231 | $ 115,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 67 | $ 45,455,000 | $ 678,432 | $ 264,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 56 | $ 18,530,000 | $ 330,892 | $ 150,000 |
| Greeley, CO | 52 | $ 13,030,000 | $ 250,576 | $ 103,000 |
| Oakland-Hayward-Berkeley, CA | 52 | $ 25,100,000 | $ 482,692 | $ 183,000 |
| St. Louis, MO-IL | 52 | $ 14,350,000 | $ 275,961 | $ 121,076 |
| Santa Maria-Santa Barbara, CA | 51 | $ 22,455,000 | $ 440,294 | $ 171,000 |
| Colorado Springs, CO | 42 | $ 11,390,000 | $ 271,190 | $ 108,000 |
| Merced, CA | 38 | $ 8,570,000 | $ 225,526 | $ 97,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 26 | $ 11,100,000 | $ 426,923 | $ 162,692 |
| Pueblo, CO | 20 | $ 3,850,000 | $ 192,500 | $ 74,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 14 | $ 15,230,000 | $ 1,087,857 | $ 344,000 |
| San Antonio-New Braunfels, TX | 12 | $ 5,390,000 | $ 449,166 | $ 159,000 |
| Houston-The Woodlands-Sugar Land, TX | 9 | $ 3,685,000 | $ 409,444 | $ 209,000 |
| Indianapolis-Carmel-Anderson, IN | 9 | $ 2,695,000 | $ 299,444 | $ 127,000 |
| Santa Rosa, CA | 9 | $ 4,105,000 | $ 456,111 | $ 286,000 |
| Bend-Redmond, OR | 8 | $ 4,800,000 | $ 600,000 | $ 399,000 |
| Fort Collins, CO | 8 | $ 2,810,000 | $ 351,250 | $ 138,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 3,150,000 | $ 393,750 | $ 144,000 |
| San Francisco-Redwood City-South San Francisco, CA | 7 | $ 6,045,000 | $ 863,571 | $ 303,000 |
| Boulder, CO | 6 | $ 3,150,000 | $ 525,000 | $ 135,000 |
| Chicago-Naperville, IL | 6 | $ 1,240,000 | $ 206,666 | $ 93,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 4,665,000 | $ 933,000 | $ 215,000 |
| Fort Worth-Arlington, TX | 5 | $ 1,675,000 | $ 335,000 | $ 124,000 |
| Grand Junction, CO | 5 | $ 1,595,000 | $ 319,000 | $ 77,000 |
| Killeen-Temple, TX | 5 | $ 1,385,000 | $ 277,000 | $ 191,000 |
| Vallejo-Fairfield, CA | 5 | $ 1,835,000 | $ 367,000 | $ 208,000 |
| Boise City, ID | 4 | $ 2,160,000 | $ 540,000 | $ 163,000 |
| Cleveland, OH | 4 | $ 430,000 | $ 107,500 | $ 193,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 1,830,000 | $ 457,500 | $ 102,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 3,410,000 | $ 852,500 | $ 251,000 |
| Dallas-Plano-Irving, TX | 3 | $ 865,000 | $ 288,333 | $ 126,000 |
| Reno, NV | 3 | $ 1,585,000 | $ 528,333 | $ 174,000 |
| Rockford, IL | 3 | $ 525,000 | $ 175,000 | $ 118,000 |
| Chico, CA | 2 | $ 640,000 | $ 320,000 | $ 287,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 170,000 | $ 85,000 | $ 128,000 |
| Kansas City, MO-KS | 2 | $ 970,000 | $ 485,000 | $ 186,000 |
| Medford, OR | 2 | $ 700,000 | $ 350,000 | $ 88,000 |
| Ocala, FL | 2 | $ 660,000 | $ 330,000 | $ 155,000 |
| Olympia-Tumwater, WA | 2 | $ 600,000 | $ 300,000 | $ 90,000 |
| Prescott Valley-Prescott, AZ | 2 | $ 730,000 | $ 365,000 | $ 137,000 |
| Redding, CA | 2 | $ 520,000 | $ 260,000 | $ 64,000 |
| Tampa, FL | 2 | $ 780,000 | $ 390,000 | $ 140,000 |
| Albany, OR | 1 | $ 355,000 | $ 355,000 | $ 251,000 |
| Barnstable Town, MA | 1 | $ 475,000 | $ 475,000 | $ 335,000 |
| Bremerton-Silverdale, WA | 1 | $ 315,000 | $ 315,000 | $ 70,000 |
| College Station-Bryan, TX | 1 | $ 595,000 | $ 595,000 | $ 188,000 |
| Corpus Christi, TX | 1 | $ 155,000 | $ 155,000 | $ 92,000 |
| El Centro, CA | 1 | $ 285,000 | $ 285,000 | $ 131,000 |
| Eugene, OR | 1 | $ 805,000 | $ 805,000 | $ 183,000 |
| Everett, WA | 1 | $ 695,000 | $ 695,000 | $ 234,000 |
| Flagstaff, AZ | 1 | $ 385,000 | $ 385,000 | $ 513,000 |
| Idaho Falls, ID | 1 | $ 305,000 | $ 305,000 | $ 101,000 |
| Jacksonville, FL | 1 | $ 135,000 | $ 135,000 | $ 2,000 |
| Lakeland-Winter Haven, FL | 1 | $ 145,000 | $ 145,000 | $ 92,000 |
| Napa, CA | 1 | $ 765,000 | $ 765,000 | $ 210,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 715,000 | $ 715,000 | $ 285,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 385,000 | $ 385,000 | $ 132,000 |
| Provo-Orem, UT | 1 | $ 1,265,000 | $ 1,265,000 | $ 1,001,000 |
| Salem, OR | 1 | $ 355,000 | $ 355,000 | $ 366,000 |
| San Rafael, CA | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 1 | $ 855,000 | $ 855,000 | $ 386,000 |
| Sherman-Denison, TX | 1 | $ 275,000 | $ 275,000 | $ 93,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Spokane-Spokane Valley, WA | 1 | $ 445,000 | $ 445,000 | $ 111,000 |
| Wichita Falls, TX | 1 | $ 345,000 | $ 345,000 | $ 111,000 |
| Wildwood-The Villages, FL | 1 | $ 395,000 | $ 395,000 | $ 74,000 |
| Yuma, AZ | 1 | $ 1,365,000 | $ 1,365,000 | $ 431,000 |
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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with aggregated HMDA statistics today.
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