{
  "canonical_url": "https://lendb.ai/lender/golden-empire-mortgage-inc-2427",
  "lender": {
    "nmls_id": 2427,
    "slug": "golden-empire-mortgage-inc-2427",
    "canonical_url": "https://lendb.ai/lender/golden-empire-mortgage-inc-2427",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2427",
    "name": {
      "value": "Golden Empire Mortgage, Inc.",
      "source": "state_regulator",
      "source_url": "https://www.gemcorp.com/",
      "verified_at": "2026-10-13"
    },
    "dba_names": [],
    "type": "imb",
    "website": {
      "value": "https://www.gemcorp.com/",
      "source": "state_regulator",
      "source_url": "https://www.gemcorp.com/",
      "verified_at": "2026-10-13"
    },
    "lo_directory_url": "https://www.gemcorp.com/our-team",
    "hq_state": null,
    "loan_programs": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.gemcorp.com/",
      "verified_at": "2026-10-13"
    },
    "program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "activity": {
      "source": "HMDA",
      "source_name": "HMDA, FFIEC/CFPB",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of_year": 2025,
      "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)",
      "third_party_share": 0,
      "includes_brokered": false,
      "years": [
        {
          "year": 2025,
          "loans": 4140,
          "by_loan_type": {
            "conventional": 2621,
            "fha": 1278,
            "va": 237,
            "usda": 4
          },
          "purchase": 3568,
          "refinance": 570,
          "other_purpose": 2,
          "jumbo": 73,
          "investor": 255,
          "volume_usd": 1591580000
        },
        {
          "year": 2024,
          "loans": 3557,
          "by_loan_type": {
            "conventional": 2264,
            "fha": 1091,
            "va": 197,
            "usda": 5
          },
          "purchase": 3194,
          "refinance": 359,
          "other_purpose": 4,
          "jumbo": 69,
          "investor": 219,
          "volume_usd": 1326185000
        }
      ],
      "top_states": [
        {
          "state": "CA",
          "loans": 3514
        },
        {
          "state": "CO",
          "loans": 269
        },
        {
          "state": "TX",
          "loans": 105
        },
        {
          "state": "OR",
          "loans": 98
        },
        {
          "state": "NV",
          "loans": 57
        }
      ],
      "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
    },
    "loan_officer_count": 198,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-13"
  }
}