CFPB Consumer Complaint Profile
Golden Empire Mortgage Incorporated
Behind the 27 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 27
- Total complaints
- Mid-range
- 2
- Last 12 months
- 96.3%
- Timely response
- Below median
- 3
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Golden Empire Mortgage Incorporated sits at #2473, with 27 complaints logged. Its on-time response rate is 96.3%, the 35th percentile among companies with 100+ complaints.
- #2473
- of 3,843 companies by volume
- 96.3%
- on time (35th pctile)
- Mortgage
- most-complained product
- 3
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Golden Empire Mortgage Incorporated vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.3% Around the middle higher than 35% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 1 |
| 2015 | 2 |
| 2016 | 3 |
| 2017 | 4 |
| 2019 | 1 |
| 2020 | 4 |
| 2021 | 3 |
| 2022 | 4 |
| 2023 | 2 |
| 2024 | 1 |
| 2025 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Golden Empire Mortgage Incorporated
Golden Empire Mortgage Incorporated carries 27 complaints in the CFPB's database, 2 of them filed within the past 12 months. Consumers spanning 3 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Mortgage," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Applying for a mortgage or refinancing an existing mortgage," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Golden Empire Mortgage Incorporated posts a 96.3% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved cases drew a formal consumer-dispute rate of 25% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 7.4%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Golden Empire Mortgage Incorporated have?
Golden Empire Mortgage Incorporated has 27 total consumer complaints filed with the CFPB, with 2 filed in the last 12 months.
Does Golden Empire Mortgage Incorporated respond to complaints on time?
Golden Empire Mortgage Incorporated's CFPB timely-response rate is 96.3%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Golden Empire Mortgage Incorporated?
The most complained-about product for Golden Empire Mortgage Incorporated is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Golden Empire Mortgage Incorporated?
The most common issue reported by consumers about Golden Empire Mortgage Incorporated is "Applying for a mortgage or refinancing an existing mortgage." All complaint issues are listed above with their counts.
How do I file a complaint against Golden Empire Mortgage Incorporated?
You can file a complaint against Golden Empire Mortgage Incorporated directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Golden Empire Mortgage Incorporated?
The CFPB has recorded complaints against Golden Empire Mortgage Incorporated from 3 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Golden Empire Mortgage Incorporated: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (25% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.