Purchase Originations
2,087
Ranked #216 nationally
Median Total Costs
$12,029
+80.1% vs national ($6,680)
↓ $475 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$5,485
Median Lender Credits
$150
Cost Rank (500+ vol.)
#579
among lenders with 500+ originations
Denial Rate
6.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,084 | 6.624% | $9,192 | $5,250 |
| fha | 797 | 6.125% | $16,153 | $5,972 |
| va | 202 | 6.125% | $8,684 | $1,798 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 1,695 | 6.375% | $12,421 | #28 |
| Colorado | 145 | 6.375% | $11,564 | #91 |
| Texas | 83 | 6.500% | $9,944 | #297 |
| Oregon | 72 | 6.625% | $7,400 | #81 |
| Nevada | 38 | 6.375% | $11,897 | — |
| Missouri | 16 | 6.875% | $8,741 | — |
| Washington | 11 | 6.750% | $7,713 | — |
| Arizona | 10 | 6.688% | $13,846 | — |
| Florida | 6 | 6.433% | $9,720 | — |
| Illinois | 6 | 6.688% | $6,636 | — |
| Idaho | 2 | 6.490% | $10,021 | — |
| Tennessee | 2 | 6.688% | $5,886 | — |
| Indiana | 1 | 7.000% | $7,650 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,523 | 6.625% | — | 50 | −$5,506 | |
| 2 | $9,629 | 6.625% | — | 119 | −$2,400 | |
| 3 | $9,967 | 6.625% | — | 34 | −$2,062 | |
| 4 | $10,180 | 6.625% | — | 35 | −$1,849 | |
| 5 | $11,435 | 6.250% | — | 212 | −$594 | |
| 6 | $11,518 | 6.500% | — | 23 | −$511 | |
| 7 | $11,793 | 6.625% | — | 139 | −$236 | |
| 8 | $12,004 | 6.375% | — | 34 | −$25 | |
| 9 | $12,209 | 6.750% | — | 30 | +$180 | |
| 10 | $12,282 | 6.000% | — | 122 | +$253 | |
| 11 | $13,022 | 6.500% | — | 16 | +$993 | |
| 12 | $13,073 | 6.625% | — | 92 | +$1,044 | |
| 13 | $13,182 | 6.125% | — | 502 | +$1,153 | |
| 14 | $13,342 | 6.625% | — | 60 | +$1,313 | |
| 15 | $13,436 | 6.375% | — | 23 | +$1,407 | |
| 16 | $13,656 | 6.433% | — | 22 | +$1,627 | |
| 17 | $13,658 | 6.250% | — | 21 | +$1,629 | |
| 18 | $14,101 | 6.250% | — | 193 | +$2,072 | |
| 19 | $14,460 | 6.750% | — | 74 | +$2,431 | |
| 20 | $15,170 | 6.188% | — | 18 | +$3,141 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Golden Empire Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $415,000 | $335,000 | +$80,000 (+23.9%) |
| Median total closing costs | $12,029 | $7,127 | +$4,902 (+68.8%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.