Todd Iles
Loan Officer | NMLS # 235342
Hi! I am Todd Iles! Welcome to my website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my expertise and mortgage services to work for you!
With Golden Empire Mortgage you're in ... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
knowledgeable, professional, and yet caring.
Reply from Todd Iles
September 21st, 2026 07:59 PM
Thank you for your kind words, Pamela. I'm pleased to hear that you found my approach at Golden Empire Mortgage, Inc. to be knowledgeable, professional, and caring. Your feedback is truly appreciated.
Best loan officer mortgage broker guy I have ever worked with. Over the years, Todd has blown away the competition with his responsiveness and creative ways to make a loan work.I was selling my home and trying to buy another home. Due to the...
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The knowledge and communication availability patience very helpful
Reply from Todd Iles
April 17th, 2026 06:42 PM
I'm grateful for your kind words, Richard. It's great to know that you found my knowledge and communication helpful during your purchase process. Thank you for choosing to work with me at Golden Empire Mortgage.
Great communication, service, attention to detail and thinking outside the box.
Reply from Owner
March 18th, 2026 10:14 PM
Thanks Curt! I appreciate it the compliments and your business!
Great communication and service
Reply from Todd Iles
March 23rd, 2026 01:20 PM
I appreciate your feedback, Curtis. It's wonderful to know that you found the communication and service to be great. Thank you for trusting me with your mortgage needs.
Todd & Co. make purchasing a house as smooth and easy as it can be! Thanks for everything.
Reply from Owner
January 21st, 2026 09:25 PM
Thank you, Milo! We’re thrilled Todd & Co. made your home purchase smooth and easy. We appreciate your trust and are here if you need anything in the future.
We liked his service so much we went back for a second time
Reply from Owner
January 16th, 2026 07:33 AM
Thank you so much for the great review, Kayse! We're thrilled you liked his service enough to come back a second time and appreciate your continued trust. We'll always do our best to provide the same great experience. We look forward to serving...
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Dealing with Todd and the team over at Gem Mortgage is always streamlined, easy, fair and I know they are looking after my family’s best interests.
Reply from Todd Iles
January 8th, 2026 04:43 PM
I'm glad to hear that your experience with me and the team at Golden Empire Mortgage is smooth and fair. It's important to me to ensure your family's needs are well cared for. Thank you for your continued trust and support.
Excellent service! Worked with us through everything and left us feeling confident in our decision.
Reply from Todd Iles
December 31st, 2025 06:25 PM
Thanks Aaron, I appreciate you guys working with us again and am always available if you have any questions. Hope you have a Happy New Year!!
Todd was very helpful and provided very useful information . Made the whole process very easy!
Reply from Todd Iles
October 17th, 2025 04:26 PM
Thank you David, it was a pleasure working with you and congratulations on your new home!!
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About
Hi! I am Todd Iles! Welcome to my website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my expertise and mortgage services to work for you!
With Golden Empire Mortgage you're in good hands and can have the peace of mind knowing we offer a wide variety of loan programs and most current rates available, together with the assistance of a seasoned customer support team.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Mortgage Refinance
Specialities
Purchase / Refinance
Home Equity Line of Credit
FHA/VA, Conventional, USDA, CalHFA & GSFA Down Payment Assistance, Rehab Loans
Credit Guidance
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Positions
- Plaza Residential Mortgage - Production ManagerMar 1st, 1995 - Current
- Plaza Residential Mortgage - PresidentMar 1st, 1995 - Current
Year Started
1995
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 235342
- CA DBO-235342, AZ LO-0916466
Disclaimer
"Golden Empire Mortgage, Inc. (""GEM"") [NMLS ID No. 2427] is a California corporation whose principal business office is located at 1200 Discovery Drive, Ste. 300, Bakersfield, California 93309. GEM is a residential mortgage lender and servicer licensed by the Department of Business Oversight pursuant to the California Residential Mortgage Lending Act under license no. 413-0360. GEM conducts residential mortgage lending activities in the following additional states as follows:
Arizona: GEM conducts business in the state of Arizona as Golden Empire Mortgage, Inc. under Mortgage Bankers license no. 0906440 issued by the Arizona Department of Financial Institutions.
Colorado: GEM conducts business in the state of Colorado pursuant to a Mortgage Company Registration issued by the Colorado Division of Real Estate.
Oregon: GEM conducts business in the state of Oregon under Mortgage Lending License no. ML-2891 issued by the Division of Finance and Corporate Securities, Department of Consumer and Business Services.
Texas: GEM conducts business in the state of Texas as GEM Mortgage, Inc. pursuant to a Mortgage Bankers Registration issued by the Texas Department of Savings and Mortgage Lending. Notice to Texas Loan Applicants
Washington: GEM conducts business in the state of Washington under Consumer Loan Company License no. CL-2427 issued by the Washington Division of Consumer Services, Department of Financial Institutions."