Applications / Mortgage Analytics / Lenders / California / Golden Empire Mortgage / Competition
Golden Empire Mortgage
Bakersfield, CA · Independent non-bank lender · CFPB · 4,154 loans in 2025
Golden Empire Mortgage's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
4,154
loans originated, 2025
5,605
applications, 2025
16
states and territories
0
gaps bigger than at similar lenders
Who Golden Empire Mortgage competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — VISALIA, CA, 2025
Golden Empire Mortgage ranks 1st of 281 lenders in Visalia, CA, with $264.8M lent: 13.6% of a $1.95B market.
Visalia, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Golden Empire Mortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 53% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — LOS ANGELES-LONG BEACH-ANAHEIM, CA, 2025
Golden Empire Mortgage ranks 93rd of 757 lenders in Los Angeles-Long Beach-Anaheim, CA, with $240.9M lent: 0.2% of a $114.28B market.
Los Angeles-Long Beach-Anaheim, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Golden Empire Mortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — RIVERSIDE-SAN BERNARDINO-ONTARIO, CA, 2025
Golden Empire Mortgage ranks 40th of 707 lenders in Riverside-San Bernardino-Ontario, CA, with $163.7M lent: 0.5% of a $34.32B market.
Riverside-San Bernardino-Ontario, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Golden Empire Mortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — FRESNO, CA, 2025
Golden Empire Mortgage ranks 7th of 409 lenders in Fresno, CA, with $158.8M lent: 2.8% of a $5.72B market.
Fresno, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Golden Empire Mortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 51% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — OXNARD-THOUSAND OAKS-VENTURA, CA, 2025
Golden Empire Mortgage ranks 11th of 422 lenders in Oxnard-Thousand Oaks-Ventura, CA, with $135.5M lent: 1.9% of a $6.98B market.
Oxnard-Thousand Oaks-Ventura, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Golden Empire Mortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 40% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — GREELEY, CO, 2025
Golden Empire Mortgage ranks 78th of 399 lenders in Greeley, CO, with $10.1M lent: 0.2% of a $4.08B market.
Greeley, CO is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Golden Empire Mortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 37% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — PUEBLO, CO, 2025
Golden Empire Mortgage ranks 57th of 264 lenders in Pueblo, CO, with $3.3M lent: 0.3% of a $1.05B market.
Pueblo, CO is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Golden Empire Mortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 51% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — BOULDER, CO, 2025
Golden Empire Mortgage ranks 158th of 352 lenders in Boulder, CO, with $2.7M lent: 0.1% of a $4.05B market.
Boulder, CO is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Golden Empire Mortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
The data and the software behind these pages
Golden Empire Mortgage's data
$215
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.
Buy Golden Empire Mortgage's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]