Independent mortgage bank
Golden Empire Mortgage, Inc.
Company NMLS ID 2427 (opens in a new tab) · gemcorp.com (opens in a new tab)
Golden Empire Mortgage, Inc. (company NMLS 2427) is an independent mortgage lender. LenDb lists 196 of its loan officers, with branches in 9 states, each with an individual NMLS ID, licensed states and sources.
Last verified . Sources: Golden Empire Mortgage, Inc.'s own loan officer directory and NMLS Consumer Access.
- 196 loan officers on LenDb
- 9 branch states
- Disciplinary history not yet checked
- FHA-approved lender (HUD FHA data, loans endorsed through Aug 2026) (opens in a new tab)
Lending activity (HMDA)
Funded 4,140 home loans in 2025 (HMDA), 2,621 conventional
- By loan type: 2,621 conventional, 1,278 FHA, 237 VA, 4 USDA.
- By purpose: 3,568 purchase, 570 refinance, 2 other (home improvement and other closed-end loans).
- 73 jumbo (above the conforming loan limit); 255 for investment properties.
- Up 16% from 2024 (3,557 loans).
- About $1.6 billion in loan amounts (HMDA reports amounts in $10,000 bands).
Most loans in California (3,514), Colorado (269), Texas (105).
Source: HMDA, FFIEC/CFPB, 2025 (opens in a new tab). 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 officers
California 169
- Adam Klein · Westlake Village · Loan Originator
- Ahide Garcia · Visalia · Loan Officer
- Alan Osowski · Westlake Village · Sr Processor/Loan Originator
- Alan World · Orange · Branch Manager
- Alfonso Solis · Visalia · Loan Officer
- Allyson Goulart · Visalia
- Amber Payne · Visalia · Loan Officer
- Amy Cortes · Visalia · Loan Officer
- Andrea Armas · Fresno · Loan Originator
- Andrew Abaya · Visalia
- Andrew Sullivan · Ontario · Loan Originator
- Angel Santiago · Fresno · Loan Originator
- Angie Gonzalez · Bakersfield · Loan Officer
- Anthony A Barragan · Ontario · Loan Originator
- Anthony Corral · Chino Hills · Mortgage Planner
- Anthony Gonzales · Visalia · Loan Officer
- Araceli Alonso · Camarillo · Bilingual Mortgage Banker
- Arturo Esparza · Bakersfield · Producing Branch Manager
- Audwin McCoy · Ontario · Loan Officer
- Austin Behic · Escondido · Loan Processor / MLO
- Austin Bunn · San Diego
- Bert Aranda · Santa Clarita · Loan Officer
- Brad Puckett · Elk Grove · Producing Branch Manager
- Brandon Hendricks · Madera · Loan Originator
- Brandy Valencia · Visalia · Loan Originator
- Brent Baker · Exeter · Loan Officer
- Brett Carlile · Escondido · Loan Officer
- Brianna Taff · Visalia · Loan Officer
- Bryan Montes · Visalia · Loan Originator
- Caleb Bryant · Ontario · Loan Officer
- Carl H Harrison III · Oxnard · Mortgage Banker
- Cheryl Byl · Visalia · Loan Originator
- Colleen Stewart · Lodi · Branch Manager/Sr. Loan Consultant
- Corbin Claypool · Fresno · Producing Branch Manager
- Corina Hernandez · Madera · Office Manager/MLO
- Cory Reeder · Exeter · Loan Originator
- Courtney Crosley · Bakersfield · Processor/Originator
- Craig Sweeney · Visalia
- Cynthia Escobar · Bakersfield · Loan Originator
- Cynthia MacNaughton · Santa Clarita · Loan Originator
- Cynthia Solis · Visalia · Loan Officer
- Daisy Sanchez · West Covina · Loan Originator
- Danet Anderson-Salazar · Oxnard · Loan Officer
- Daniel Crosley · Bakersfield · Sales Manager
- Daniel Reyes · Kingsburg · Loan Officer
- David Haun · Exeter · Loan Originator
- Diana Stuhaan · Visalia · Loan Officer
- Eddy Lomeli · Ontario · Loan Officer
- Efrain Miramontes II · San Dimas · Loan Officer
- Elizeth Topete · West Covina · Loan Officer
- Emilio Cortes · Camarillo · Loan Officer
- Eric Jauregui · Madera · Loan Originator
- Erica Aldaco · Visalia · Loan Originator
- Faith Sierra · Visalia · Business Development Manager/MLO
- Francisco Nande · Madera · Loan Originator
- Frank Salazar · Oxnard · The Mortgage Professional - Branch Manager
- Freddy Arreola Recinos · Visalia
- Gabriel Correa · Visalia · Loan Officer
- Gabriel Ulloa · Camarillo
- Gail Laymance · Bakersfield · Assistant Vice President of Operations/Special Projects
- Gary Anderson · Visalia · Loan Officer
- Gayle Nagy · Westlake Village
- Gerald Hayes · Kingsburg · Loan Officer
- Gerald Rosier · San Diego · Non Producing Branch Manager
- Gerardo Novelo · West Covina · Loan Originator
- Greg Sandler · Bakersfield · Consumer Direct Divisional Leader
- Griselda Gandara · Lake Arrowhead · Loan Officer
- Hank Greenberg · San Dimas · Branch Manager
- Heather Hakes · Lake Elsinore · Loan Production Manager
- Hilda Payes · Bakersfield · Loan Officer
- Holly Litmanovich · Santa Clarita · Processing Manager/Loan Originator
- Ismail Afariogun · Westlake Village · Production Partner/MLO
- Jacqueline Meek · San Dimas · Branch Manager
- James Tassell · Orange · Loan Officer
- Jamie Livingood · Barstow · Loan Officer
- Jason Delaney · Foothill Ranch · Loan Production Manager
- Jeff Potts · Bakersfield · Producing Branch Manager
- Jennifer Wilkins · Bakersfield · Central Ops Team Lead/Corp Loan Originator
- Jeremy Engle · Visalia · Loan Officer
- Jessica Souza · Visalia · Loan Officer
- Jim Allred · Visalia · Loan Originator
- Jocelyn Webster · Visalia · Loan Officer
- Joe Cucchiara · San Jose · Branch Manager
- Joe Navarro · Bakersfield · Sales Manager
- John Kimbrough Jr · Fresno · Sr Loan Officer/ Construction Loan Specialist
- John Neubel · Bakersfield · Branch Manager
- John Wade · Westlake Village, Bakersfield · Branch Manager
- Jorge Gonzalez · Downey · Loan Officer
- Jorge Merlos · Rancho Cucamonga · Production Partner
- Jose Cerrato · Escondido · Mortgage Loan Originator
- Jose Luis Medina · Modesto · Loan Originator
- Jose Villafan · Santa Clarita · Loan Officer
- Joseph Sterlino · El Sobrante · Loan Officer
- Josue Marroquin · Ontario · Loan Officer
- Julia Gallardo · Rancho Cucamonga · Loan Originator
- Kaylee Wood · Kingsburg · Loan Officer
- Kelly Carrera · Bakersfield · Loan Officer
- Kraig Gradowitz · Bakersfield · Branch Manager
- Krystle Gonzalez · West Covina · Loan Officer
- Laporsha Foster · Visalia · Loan Officer
- Laura Berg · Westlake Village · Loan Officer
- Leah Lee-Paulick · Westlake Village · Loan Originator
- Leo Espino · Visalia · Sr. Loan Officer
- Lori Kaffenberger · Orange
- Luke Tovar · Bakersfield · Loan Originator
- Lyle Morgan · Elk Grove · Loan Officer
- Manuel Corral · Chino Hills · Regional Senior Vice President Loan Production
- Marco Gomez · Madera · Loan Officer
- Maria Espino · Visalia · Loan Officer
- Maria Greenberg · San Dimas
- Maria Valladares · Visalia · Loan Officer
- Maria Villegas · Bakersfield · Loan Assistant/Loan Originator
- Mark Ferguson · Bakersfield · Loan Officer
- Mark Frassica · Arroyo Grande · Loan Production Manager
- Mark K White · Santa Clarita · Loan Production Manager
- Mark Shikany · San Diego · Loan Officer
- Mary Vera · Alamo · Branch Manager
- Matthew Van Scyoc · Visalia · Loan Originator
- Megan Reeves · Bakersfield · Mortgage Loan Originator
- Melissa Sparks · Carlsbad · Loan Officer
- Mery De LaRosa · Bakersfield · Senior Loan Officer
- Michael Bivens · Chino Hills · Loan Officer
- Michael Kalai · Los Gatos · Regional Director
- Michael McVey · Westlake Village · Production Partner/MLO
- Michael Oropeza · Rancho Cucamonga · Loan Officer
- Michelle Howell · San Jose · Loan Officer
- Michelle Ota · Gardena · Loan Originator
- Mike Berrios · Rancho Cucamonga · Branch Manager
- Milo Grecian · San Diego · Loan Officer
- Nadia Hernandez · Visalia · Loan Originator
- Natalie Castillo · Bakersfield · Loan Originator
- Nathan Sahagun · Visalia
- Nicole Donn · El Sobrante · Producing Branch Manager - Hablo Español
- Noah Villasenor · Ventura · Producing Branch Manager
- Norm Kremer · Santa Clarita · Sr. Mortgage Advisor
- Olivia Torres · Ontario · Producing Branch Manager
- Omero Dorado · Madera · Branch Manager
- Paul Gonzales · Escondido · Senior Loan Officer
- Peter Thompson · San Jose · Loan Officer
- Rainier Sunga · San Dimas · Loan Officer
- Rene Arauz · Downey · Loan Production Manager
- Rene Zamora-Melgoza · Modesto · Producing Branch Manager
- Robert Behic · Escondido · Loan Production Manager
- Robert Betancourt · San Dimas · Loan Originator
- Rosalba Burgos · Bakersfield · Loan Officer
- Ruth Campos · Visalia · Loan Officer
- Ryan Greenberg · San Dimas
- Ryan World · Orange · Loan Originator
- Sandra Scherbring · Westlake Village · Sales Manager/Loan Officer
- Scott Gilman · Westlake Village · Producing Branch Manager
- Shirley Dennis · San Jose · Sr Loan Officer
- Silverio Garcia · Camarillo · Loan Production Manager
- Sophia Cha · Fresno · Sr Loan Officer
- Stephen Testa · Escondido · Loan Officer
- Summer Ramesh · Carlsbad · Branch Manager
- Terry Bleecker · Santa Clarita · Producing Branch Manager
- Thomas Louisignau · Ontario · Loan Officer
- Tiffany Barriga · Bakersfield · Loan Originator
- Tiffany Grantham · Santa Clarita · Mortgage Loan Officer
- Tim Moss · Corona · Branch Manager
- Timothy Silva · Barstow · Loan Production Manager
- Todd Fitton · Visalia · Loan Officer
- Todd Iles · Lake Arrowhead · Loan Production Manager
- Trevor Leonard · Bakersfield · Loan Officer
- Tristen Silva · Barstow · Loan Originator
- Troy Owen · Bakersfield · Loan Originator
- Tyler Esparza · Bakersfield · Loan Originator
- Veronica Barrera · San Dimas · Loan Officer
- Yvette Sunga · San Dimas
Colorado 6
- Alfonso Flores · Englewood · Loan Originator
- David Lesjak · Englewood · Loan Originator
- Drue Barta · Englewood · Sales Manager
- Nicholas Barta · Englewood · Branch Manager
- Nicholas Smith · Englewood · Loan Originator
- Peter Phillips · Englewood · Loan Production Manager
Florida 1
- Taylor Simpfenderfer · Zephyrhills · Loan Officer
Hawaii 4
- Kelly Tasaki · Aiea · Branch Manager
- Kyle Murata · Aiea · Mortgage Loan Originator
- Suzanne Yumol · Aiea · Mortgage Originator
- Tae Ho Kim · Aiea · Loan Officer
Missouri 1
- Tom Gilster · St. Louis · Loan Originator
Nevada 1
- Madelyn Sierra · Las Vegas · Loan Originator
Oregon 3
- Gregory Cross · Astoria · Producing Branch Manager
- James Kreminski · Redmond · Producing Branch Manager
- Joyce Kreminski · Redmond · Loan Originator
Texas 2
- Dan Peterson · Austin · Producing Branch Manager
- Ryan Kelley · Austin · Branch Manager
Washington 7
- Adam Criswell · Seattle · Branch Manager Assistant
- Becky Mulhollen · Kirkland · Client Engagement Manager / MLO
- Caroline Mclaughlin-White · Kirkland · Loan Originator
- Douglas Perry · Kirkland · Branch Manager
- Ellaina Lewis · Seattle · Loan Partner
- Ruby Grynberg · Seattle · Branch Manager, Home Loan Advisor
- Spyridon “Spin” Nicon · Seattle · Associate Loan Officer
Branch not listed 2
- Joshua Lampel · NMLS 1326209
- Ronald Smith · NMLS 482199
Source: state regulator (loan officer directory (opens in a new tab)), verified 2026-10-13. Also as JSON. Lender-neutral: nobody pays to be listed or ranked.