Golden Empire Mortgage, Inc.
4,154 mortgages originated in 2025 across 5 states, and what they cost borrowers.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,154
- Median rate
- 6.375%
- Median lender fees
- $11,072
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $365,000
- Above the going rate (spread over APOR)
- 0.221
- Paid discount points
- 30.5%
- Received lender credits
- 29%
- Purchases / refinances
- 85.9% / 13.8%
- Conventional / FHA / VA
- 63.1% / 31.1% / 5.7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 62.9% of loans here — see methodology.
Where Golden Empire Mortgage, Inc. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 3,527 | $11,619 | 6.375% |
| Colorado | 269 | $10,220 | 6.375% |
| Texas | 105 | $9,127 | 6.625% |
| Oregon | 99 | $7,452 | 6.625% |
| Nevada | 57 | — | — |