Golden Empire Mortgage Rates, Fees & Info
Bakersfield, CALEI: 254900VHUBSJJKOMBF27
Tax ID: 77-0158990
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Mortgage Data
Review & Overview
Golden Empire Mortgage is a small mortgage company specializing in Home Purchase loans. Golden Empire Mortgage has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, Riverside, Visalia, Bakersfield, and Oxnard among others. We have data for 69 markets. (Some data included below & more in-depth data is available with an active subscription.)Golden Empire Mortgage has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Golden Empire Mortgage is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 5.28% | 4/5/25 |
| 30 Year Conventional Refi | 6.97% | 4/5/25 |
| 30 Year Cash-out Refi | 7.14% | 4/5/25 |
| 30 Year FHA Purchase | 7.28% | 4/5/25 |
| 30 Year FHA Refi | 7.06% | 4/5/25 |
| 30 Year VA Purchase | 6.48% | 4/5/25 |
| 30 Year VA Refi | 6.24% | 4/5/25 |
| 30 Year USDA Purchase | 6.92% | 4/5/25 |
| 15 Year Conventional Purchase | 6.56% | 4/5/25 |
| 15 Year Conventional Refi | 6.00% | 4/5/25 |
| 15 Year Cash-out Refi | 6.00% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Golden Empire Mortgage Mortgage Calculator
Your Estimates
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This is not an official calculator from Golden Empire Mortgage. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,572Origination Dollar Volume (All Markets)
$1,329,610,000Awards
Golden Empire Mortgage - 2024
Golden Empire Mortgage is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Golden Empire Mortgage's average 30 year fixed mortgage rate was
5.81%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.74%.
Relative Fees (Closing Costs)
Golden Empire Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $13,180.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 333 | $189,575,000 | $569,294 | $15,054 | 6.20% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 456 | $170,460,000 | $373,816 | $15,429 | 5.92% |
| VISALIA, CA (FHA|USDA|VA) | 527 | $160,135,000 | $303,861 | $12,317 | 5.83% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 450 | $117,010,000 | $260,022 | $13,347 | 5.29% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 212 | $113,990,000 | $537,689 | $12,159 | 6.12% |
| FRESNO, CA (FHA|USDA|VA) | 345 | $106,765,000 | $309,464 | $12,220 | 5.92% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 145 | $87,445,000 | $603,069 | $18,469 | 5.77% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 172 | $55,310,000 | $321,570 | $12,492 | 5.55% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 101 | $42,615,000 | $421,931 | $11,823 | 6.68% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 51 | $32,755,000 | $642,255 | $15,909 | 6.40% |
| MADERA, CA (FHA|USDA|VA) | 117 | $32,295,000 | $276,026 | $11,642 | 5.36% |
| MODESTO, CA (FHA|USDA|VA) | 101 | $25,805,000 | $255,495 | $15,104 | 5.10% |
| Astoria, OR (FHA|USDA|VA) | 62 | $25,630,000 | $413,387 | $10,810 | 6.79% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 46 | $20,590,000 | $447,609 | $12,510 | 6.07% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 38 | $19,670,000 | $517,632 | $13,473 | 5.54% |
| STOCKTON, CA (FHA|USDA|VA) | 73 | $18,045,000 | $247,192 | $14,649 | 5.52% |
| MERCED, CA (FHA|USDA|VA) | 61 | $13,315,000 | $218,279 | $15,353 | 4.84% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 32 | $10,870,000 | $339,688 | $7,788 | 5.42% |
| BEND, OR (FHA|USDA|VA) | 16 | $8,240,000 | $515,000 | $17,825 | 7.03% |
| Outside of Metro Areas | 24 | $8,170,000 | $340,417 | $10,699 | 6.23% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 19 | $7,805,000 | $410,789 | $8,263 | 7.13% |
| EL CENTRO, CA (FHA|USDA|VA) | 34 | $7,290,000 | $214,412 | $13,169 | 4.70% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 11 | $6,895,000 | $626,818 | $10,528 | 6.90% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 20 | $5,380,000 | $269,000 | $11,360 | 6.25% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 21 | $5,365,000 | $255,476 | $6,185 | 6.59% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 9 | $3,155,000 | $350,556 | $8,997 | 6.87% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 9 | $3,065,000 | $340,556 | $12,226 | 7.00% |
| Roseburg, OR (FHA|USDA|VA) | 14 | $2,480,000 | $177,143 | $6,971 | 6.73% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $2,255,000 | $322,143 | $10,369 | 6.62% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $2,150,000 | $537,500 | $16,442 | 6.47% |
| RENO, NV (FHA|USDA|VA) | 1 | $1,985,000 | $1,985,000 | $11,876 | 6.38% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $1,680,000 | $840,000 | $12,791 | 6.81% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $1,310,000 | $655,000 | $2,389 | 6.44% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $8,320 | 7.12% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $1,160,000 | $580,000 | $16,225 | 6.13% |
| SALEM, OR (FHA|USDA|VA) | 2 | $1,110,000 | $555,000 | $8,591 | 7.38% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $6,237 | 7.25% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $11,052 | 6.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $11,329 | 7.25% |
| Sonora, CA (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $11,812 | 6.19% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $17,075 | 7.25% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $5,185 | 7.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $7,201 | 6.58% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $15,406 | 6.75% |
| REDDING, CA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $0 | 4.71% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $11,266 | 6.63% |
| Prineville, OR (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $9,323 | 7.06% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $9,921 | 5.94% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $10,452 | 6.99% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,255 | 5.99% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,036 | 6.12% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $9,309 | 6.25% |
| Newport, OR (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $7,599 | 6.68% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,879 | 6.81% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,081 | 6.13% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $12,504 | 6.75% |
| Farmington, MO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,352 | 7.49% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,522 | 6.50% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,918 | 6.49% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,388 | 7.49% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,571 | 6.63% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,787 | 6.25% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 7.50% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,836 | 6.49% |
| WACO, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,101 | 6.88% |
| Outside of Metro Areas | 1 | $95,000 | $95,000 | $0 | 6.99% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.63% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.75% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against Golden Empire Mortgage based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2024, Golden Empire Mortgage's most frequently originated type of loan was Conventional, with 2,264 originations. Their 2nd most popular type was FHA, with 1,091 originations.
Loan Reason
For 2024, Golden Empire Mortgage's most frequently cited loan purpose was Home Purchase, with 3,194 originations. The 2nd most popular reason was Cash Out Refi, with 228 originations.
Loan Duration/Length
For 2024, Golden Empire Mortgage's most frequently cited loan duration was 30 Year, with 3,435 originations. The 2nd most popular length was 15 Year, with 111 originations.
Origination Fees/Closing Costs
Golden Empire Mortgage's average total fees were $13,180, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,914 originations.
Interest Rates
During 2024, Golden Empire Mortgage's average interest rate for loans was 5.81%, while their most frequently originated rate bucket for loans was 6-7%, with 1,938 originations.
Loan Sizing
2024 saw Golden Empire Mortgage place emphasis on $200k-400k loans with 1,310 originations, totaling $418,920,000 in origination value.
Applicant Income
Golden Empire Mortgage lent most frequently to those with incomes in the $100k-150k range, with 1,172 originations. The second most popular income band? $150k-250k, with 771 originations.
Applicant Debt to Income Ratio
Golden Empire Mortgage lent most frequently to those with DTI ratios of 50-60%, with 406 originations. The next most common DTI ratio? 30-36%, with 378 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.62%
Golden Empire Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination70.74%
Golden Empire Mortgage has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,572 | $1,329,610,000 | $372,231 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,572 | $1,329,610,000 | $372,231 |