GOLDEN EMPIRE MORTGAGE, INC. closing costs and rates (2024)
In 2024, GOLDEN EMPIRE MORTGAGE, INC. originated 1,775 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $12,504. That ranks #249 nationally by origination volume. For total closing costs among lenders with 500+ originations, GOLDEN EMPIRE MORTGAGE, INC. ranks #599. That is $5,763 above the national median of $6,741. GOLDEN EMPIRE MORTGAGE, INC. is most active in California with 1,511 originations there.
Purchase Originations
1,775
Ranked #249 nationally
Median Total Costs
$12,504
+85.5% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$6,100
Median Lender Credits
$318
Cost Rank (500+ vol.)
#599
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 958 | 6.750% | $9,888 | $6,099 |
| fha | 647 | 6.490% | $16,911 | $6,520 |
| va | 167 | 6.500% | $10,420 | $2,942 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 1,511 | 6.625% | $13,116 | #29 |
| Texas | 111 | 6.625% | $10,528 | #261 |
| Oregon | 99 | 6.875% | $9,590 | #71 |
| Arizona | 16 | 6.933% | $9,387 | — |
| Missouri | 14 | 6.688% | $6,021 | — |
| Nevada | 13 | 6.375% | $12,510 | — |
| Colorado | 4 | 6.562% | $9,057 | — |
| Florida | 3 | 6.625% | $4,226 | — |
| Washington | 3 | 6.490% | $15,641 | — |
| Indiana | 1 | 6.490% | $4,918 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $9,590 | 6.750% | — | 51 | −$2,914 | |
| 2 | $10,154 | 6.750% | — | 31 | −$2,350 | |
| 3 | $10,403 | 6.624% | — | 42 | −$2,101 | |
| 4 | $10,588 | 6.688% | — | 14 | −$1,916 | |
| 5 | $10,690 | 6.625% | — | 108 | −$1,814 | |
| 6 | $11,626 | 6.250% | — | 118 | −$878 | |
| 7 | $11,629 | 7.000% | — | 29 | −$875 | |
| 8 | $12,130 | 6.625% | — | 182 | −$374 | |
| 9 | $12,186 | 6.375% | — | 320 | −$318 | |
| 10 | $12,516 | 6.375% | — | 12 | +$12 | |
| 11 | $12,639 | 6.625% | — | 37 | +$135 | |
| 12 | $13,613 | 6.688% | — | 124 | +$1,109 | |
| 13 | $14,067 | 6.750% | — | 25 | +$1,563 | |
| 14 | $14,336 | 6.750% | — | 23 | +$1,832 | |
| 15 | $14,379 | 6.500% | — | 175 | +$1,875 | |
| 16 | $14,655 | 6.500% | — | 35 | +$2,151 | |
| 17 | $14,745 | 6.750% | — | 119 | +$2,241 | |
| 18 | $14,928 | 6.500% | — | 11 | +$2,424 | |
| 19 | $15,896 | 6.750% | — | 89 | +$3,392 | |
| 20 | $17,804 | 6.625% | — | 61 | +$5,300 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.