Golden Empire Mortgage
We analyzed every closed loan from Golden Empire Mortgage — 2.7k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 23 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,846)
Explore another lender or local market
Report Card
Golden Empire Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+37.5 bps above market avg
1/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
1,380 loans · 0.34% above market
Exceptional
Top 20% of lenders
5/5
FHA
1,050 loans · 0.54% above market
Exceptional
Top 20% of lenders
5/5
VA
179 loans · 0.25% below market
Strong
Top 40% of lenders
4/5
Jumbo
50 loans · 0.40% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,385 loans · 0.38% above market
Exceptional
Top 20% of lenders
5/5
Refinance
279 loans · 0.32% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 24 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,380 | 51.8% | +0.340%Above | $4,806Fees | ||||
FHA Loans | 1,050 | 39.4% | +0.542%Above | $5,235Fees | ||||
VA Loans | 179 | 6.7% | -0.249%Below | $3,937Fees | ||||
Jumbo Loans | 50 | 1.9% | +0.404%Above | $1,695Fees |
Conventional
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume1,380
Mix51.8%
Spread
+0.340%Above
Fees
$4,806Fees
FHA Loans
OverallStrong
ProductExceptional
PricingMediocre
Pull ThroughExceptional
Volume1,050
Mix39.4%
Spread
+0.542%Above
Fees
$5,235Fees
VA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume179
Mix6.7%
Spread
-0.249%Below
Fees
$3,937Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume50
Mix1.9%
Spread
+0.404%Above
Fees
$1,695Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,385 | 89.5% | +0.384%Above | $5,093Fees | ||||
Refinance | 279 | 10.5% | +0.321%Above | $3,429Fees |
Purchase
OverallStrong
ProductExceptional
PricingMediocre
Pull ThroughExceptional
Volume2,385
Mix89.5%
Spread
+0.384%Above
Fees
$5,093Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume279
Mix10.5%
Spread
+0.321%Above
Fees
$3,429Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,664
Applications
3,628
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.375%
vs. market APOR
Avg Net Fees
$4,846
Origination − Credits
Pullthrough Rate
73.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$455,983
Avg Borrower Income
$156,489
Avg Property Value
$563,071
Geographic Coverage
Geographic Performance
Metro Areas
23
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
12Full-year 2024 · HMDALoans originated
< 2020–100100+None
Midwest3
ILINMO
South3
FLTNTX
West6
AZCACONVORWA
Top Metro Areas by Place Specialization Score
Showing 10 of 23 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.