Applications / Mortgage Analytics / Lenders / California / Golden Empire Mortgage
Bakersfield, CA · Independent non-bank lender · CFPB · 4,154 loans in 2025
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4,154
loans originated, 2025
5,605
applications, 2025
16
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Golden Empire Mortgage, a Central Valley purchase lender reporting since 1991, widened its lead in Visalia in 2025 and grew faster than similar lenders.
It ranks 1 of 281 lenders in Visalia, and its share there rose from 10.3% to 13.6%. It ranks 7 of 409 in Fresno, with a steady 2.8%, and 11 of 422 in Oxnard-Thousand Oaks-Ventura. In 2025 it also began lending in Colorado, in Pueblo and Boulder among other places.
Loans rose 16% to 4,154, against 10% for similar lenders, meaning independent non-bank lenders making between half and twice as many loans, and 10% for the whole market. That is a second year of growth after a low of 2,133 in 2023, though still well short of the 12,850 of 2020. Purchases made up 85.9% of its lending.
Some 69.2% of its loans were in majority-minority neighborhoods, against 24.9% at peers, higher than nearly all of them. Yet only 12.4% went to low- and moderate-income borrowers, against 28.4%. Its typical loan, $365,000, is larger than peers' $315,000, and bigger loans need bigger incomes, which may explain the gap.
Its typical rate was 6.38%, against 6.62% at peers, lower than more than four in five of them. Its share of loans insured by the Federal Housing Administration, 31.1%, was above peers' 23.8%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Golden Empire Mortgage took 5,605 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.9% · Refinance 13.8% · Other 0.3%
Conventional 63.1% · FHA 31.1% · VA 5.7% · USDA (RHS or FSA) 0.1% · of 4,154 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 3,527 | 84.9% |
| Colorado | 269 | 6.5% |
| Texas | 105 | 2.5% |
| Oregon | 99 | 2.4% |
| Nevada | 57 | 1.4% |
| Missouri | 31 | 0.7% |
| Arizona | 15 | 0.4% |
| Washington | 15 | 0.4% |
| Illinois | 10 | 0.2% |
| Florida | 7 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Visalia | 801 |
| Fresno | 515 |
| Bakersfield-Delano | 462 |
| Riverside-San Bernardino-Ontario | 419 |
| Los Angeles-Long Beach-Glendale | 325 |
| Oxnard-Thousand Oaks-Ventura | 225 |
| Hanford-Corcoran | 203 |
| San Diego-Chula Vista-Carlsbad | 146 |
| Denver-Aurora-Centennial | 132 |
| Anaheim-Santa Ana-Irvine | 76 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900VHUBSJJKOMBF27 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3880995 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7770158990 | |
| Respondent ID (the HMDA filer code before 2018) | 77143200009 | 1991–2010 |
Established 17 July 1987. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Golden Empire Mortgage's data.
Golden Empire Mortgage's data
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Golden Empire Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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