Goldenwest Mortgage Rates, Fees & InfoOgden, UT
Tax ID: 87-0214471
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewGoldenwest is a smaller mortgage company specializing in Home Improvement, Cash Out Refi, and Home Purchase loans. Goldenwest has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Ogden, Salt Lake City, Logan, St. George, and Provo among others. We have data for 22 markets. (Some data included below & more in-depth data is available with an active subscription.)
Goldenwest has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Goldenwest is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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|Simulated Rate||Simulation Date|
|Home Equity Line of Credit (HELOC)||6.02%||12/4/23|
|30 Year Conventional Purchase||6.52%||12/4/23|
|30 Year Conventional Refi||6.29%||12/4/23|
|30 Year Cash-out Refi||6.54%||12/4/23|
|30 Year FHA Purchase||7.42%||12/4/23|
|30 Year FHA Refi||6.27%||12/4/23|
|30 Year VA Purchase||5.98%||12/4/23|
|30 Year VA Refi||6.27%||12/4/23|
|30 Year USDA Purchase||6.27%||12/4/23|
|15 Year Conventional Purchase||5.87%||12/4/23|
|15 Year Conventional Refi||5.88%||12/4/23|
|15 Year Cash-out Refi||5.88%||12/4/23|
|15 Year FHA Purchase||7.63%||12/4/23|
|These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.|
Goldenwest Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Origination Dollar Volume (All Markets)$775,485,000
GOLDENWEST - 2022
GOLDENWEST is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Goldenwest's average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -0.18%.
Relative Fees (Closing Costs)
Goldenwest's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,733.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
|Market||Originations||Total Value||Average Loan||Average Fees||Average Rate|
|OGDEN-CLEARFIELD, UT (FHA|USDA|VA)||2,549||$450,885,000||$176,887||$3,916||4.41%|
|SALT LAKE CITY, UT (FHA|USDA|VA)||559||$94,595,000||$169,222||$3,449||4.36%|
|LOGAN, UT-ID (FHA|USDA|VA)||540||$93,850,000||$173,796||$3,796||4.36%|
|ST. GEORGE, UT (FHA|USDA|VA)||320||$62,640,000||$195,750||$4,248||4.29%|
|PROVO-OREM, UT (FHA|USDA|VA)||253||$42,495,000||$167,964||$2,530||4.24%|
|Heber, UT (FHA|USDA|VA)||34||$11,920,000||$350,588||$4,311||4.23%|
|Outside of Metro Areas||37||$9,935,000||$268,514||$5,700||4.75%|
|Cedar City, UT (FHA|USDA|VA)||14||$1,670,000||$119,286||$3,616||4.32%|
|Rexburg, ID (FHA|USDA|VA)||10||$1,400,000||$140,000||$3,908||5.20%|
|POCATELLO, ID (FHA|USDA|VA)||6||$1,290,000||$215,000||$6,106||4.39%|
|Burley, ID (FHA|USDA|VA)||5||$925,000||$185,000||$6,154||5.68%|
|Blackfoot, ID (FHA|USDA|VA)||3||$725,000||$241,667||$8,645||4.54%|
|BOISE CITY, ID (FHA|USDA|VA)||2||$600,000||$300,000||$4,221||4.88%|
|IDAHO FALLS, ID (FHA|USDA|VA)||5||$495,000||$99,000||$0||4.10%|
|PUEBLO, CO (FHA|USDA|VA)||1||$455,000||$455,000||$6,994||6.13%|
|PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA)||1||$445,000||$445,000||$6,794||6.75%|
|TWIN FALLS, ID (FHA|USDA|VA)||1||$285,000||$285,000||$4,320||2.88%|
|ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA)||1||$265,000||$265,000||$6,229||4.38%|
|LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA)||1||$245,000||$245,000||$9,735||5.00%|
|Vernal, UT (FHA|USDA|VA)||1||$205,000||$205,000||$3,467||4.63%|
|LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA)||1||$125,000||$125,000||$3,281||6.13%|
|Price, UT (FHA|USDA|VA)||1||$35,000||$35,000||$0||4.75%|
We use machine learning to identify the top lenders compared against GOLDENWEST based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Goldenwest's most frequently originated type of loan was HELOC, with 3,217 originations. Their 2nd most popular type was Conventional, with 1,089 originations.
For 2022, Goldenwest's most frequently cited loan purpose was Home Improvement, with 2,096 originations. The 2nd most popular reason was Cash Out Refi, with 798 originations.
For 2022, Goldenwest's most frequently cited loan duration was 20 Year, with 3,246 originations. The 2nd most popular length was 30 Year, with 624 originations.
Origination Fees/Closing Costs
Goldenwest's average total fees were $5,733, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 371 originations.
During 2022, Goldenwest's average interest rate for loans was 4.58%, while their most frequently originated rate bucket for loans was 3-4%, with 2,096 originations.
2022 saw Goldenwest place emphasis on $100,000 or less loans with 1,680 originations, totaling $93,470,000 in origination value.
Goldenwest lent most frequently to those with incomes in the $100k-150k range, with 1,324 originations. The second most popular income band? $150k-250k, with 926 originations.
Applicant Debt to Income Ratio
Goldenwest lent most frequently to those with DTI ratios of 20-30%, with 1,018 originations. The next most common DTI ratio? 30-36%, with 960 originations.
Approval RatesTotal approvals of all applications
Goldenwest has a below average approval rate.
Pick RateApprovals leading to origination
Goldenwest has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
|Points||Originations||Total Value||Average Loan|
|Bank Name||Product||Issue||2022 CPFB Complaints||% of Total Issues|
|Guild Mortgage Company LLC||FHA mortgage||Struggling to pay mortgage||1||100.0%|