Goldenwest Mortgage Rates, Fees & Info
Ogden, UTLEI: 549300BDHZAV4ZQHQV19
Tax ID: 87-0214471
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Mortgage Data
Review & Overview
Goldenwest is a small mortgage company specializing in Refi and Cash Out Refi 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.) They have a low ratio of USDA loans. Their top markets by origination volume include: Ogden, Logan, Salt Lake City, St. George, and Provo among others. We have data for 20 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 a low 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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.02% | 4/21/24 |
| 30 Year Conventional Purchase | 6.52% | 4/21/24 |
| 30 Year Conventional Refi | 6.29% | 4/21/24 |
| 30 Year Cash-out Refi | 6.54% | 4/21/24 |
| 30 Year FHA Purchase | 7.42% | 4/21/24 |
| 30 Year FHA Refi | 6.27% | 4/21/24 |
| 30 Year VA Purchase | 5.98% | 4/21/24 |
| 30 Year VA Refi | 6.27% | 4/21/24 |
| 30 Year USDA Purchase | 6.27% | 4/21/24 |
| 15 Year Conventional Purchase | 5.87% | 4/21/24 |
| 15 Year Conventional Refi | 5.88% | 4/21/24 |
| 15 Year Cash-out Refi | 5.88% | 4/21/24 |
| 15 Year FHA Purchase | 7.63% | 4/21/24 |
| 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.
Originations
5,278Origination Dollar Volume (All Markets)
$1,023,080,000Awards
GOLDENWEST - 2020
GOLDENWEST is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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Top Markets
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) | 3,485 | $675,365,000 | $193,792 | $3,472 | 3.19% |
| LOGAN, UT-ID (FHA|USDA|VA) | 713 | $125,395,000 | $175,870 | $3,217 | 3.11% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 505 | $106,365,000 | $210,624 | $3,685 | 3.13% |
| ST. GEORGE, UT (FHA|USDA|VA) | 295 | $57,375,000 | $194,492 | $3,395 | 3.20% |
| PROVO-OREM, UT (FHA|USDA|VA) | 167 | $35,735,000 | $213,982 | $3,775 | 3.21% |
| Outside of Metro Areas | 46 | $7,550,000 | $164,130 | $3,674 | 3.08% |
| Heber, UT (FHA|USDA|VA) | 25 | $6,625,000 | $265,000 | $4,756 | 3.06% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 7 | $1,645,000 | $235,000 | $4,711 | 2.89% |
| Burley, ID (FHA|USDA|VA) | 5 | $1,565,000 | $313,000 | $4,739 | 2.68% |
| Cedar City, UT (FHA|USDA|VA) | 10 | $1,560,000 | $156,000 | $2,920 | 2.80% |
| Price, UT (FHA|USDA|VA) | 5 | $745,000 | $149,000 | $3,018 | 3.07% |
| Rexburg, ID (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $3,388 | 3.45% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $3,645 | 2.96% |
| Vernal, UT (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $2,731 | 2.79% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,992 | 2.88% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,540 | 2.75% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,627 | 3.25% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,728 | 2.75% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,759 | 2.88% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,970 | 2.75% |
Similar Lenders
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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Product Mix
For 2020, Goldenwest's most frequently originated type of loan was Conventional, with 3,512 originations. Their 2nd most popular type was HELOC, with 1,579 originations.
Loan Reason
For 2020, Goldenwest's most frequently cited loan purpose was Refi, with 2,152 originations. The 2nd most popular reason was Cash Out Refi, with 1,419 originations.
Loan Duration/Length
For 2020, Goldenwest's most frequently cited loan duration was 30 Year, with 2,240 originations. The 2nd most popular length was 20 Year, with 1,891 originations.
Origination Fees/Closing Costs
Goldenwest's average total fees were $3,749, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,047 originations.
Interest Rates
During 2020, Goldenwest's average interest rate for loans was 3.11%, while their most frequently originated rate bucket for loans was 3-4%, with 2,405 originations.
Loan Sizing
2020 saw Goldenwest place emphasis on $200k-400k loans with 2,095 originations, totaling $571,225,000 in origination value.
Applicant Income
Goldenwest lent most frequently to those with incomes in the $100k-150k range, with 1,322 originations. The second most popular income band? $50k-75k, with 1,296 originations.
Applicant Debt to Income Ratio
Goldenwest lent most frequently to those with DTI ratios of 20-30%, with 1,567 originations. The next most common DTI ratio? 30-36%, with 1,133 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.27%
Goldenwest has an average approval rate.
Pick Rate
Approvals leading to origination52.10%
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 |
|---|---|---|---|
| NA | 5,278 | $1,023,080,000 | $193,839 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 9 | $945,000 | $105,000 |
| Single Family (1-4 Units):Site-Built | 5,269 | $1,022,135,000 | $193,990 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| GOLDEN BEAR CAPITAL INC. | Other type of mortgage | Closing on a mortgage | 1 | 100.0% |