Lender in Utah · HMDA 2025
Goldenwest mortgages in Utah
Goldenwest's 2025 home-purchase and refinance lending in Utah, compared with all lenders in the state.
Goldenwest originated 523 owner-occupied single-family loans in Utah from 895 completed applications, making it the state's #20 lender by volume.
Its median conventional purchase loan costs were $7,000 versus $6,400 for all Utah lenders, at a median 30-year fixed rate of 6.375% (Utah: 6.50%).
Loans in UT
523
of 895 applications
Denial rate
8.5%
Purchase · UT 6.5%
Rate spread
−0.13 pts
Conv. · UT +0.05 pts
Loan amount
$395,000
Purchase · UT $435,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 551 | 279 | 8.5% | 6.375% | −0.13 pts | $7,000 | $395,000 |
| Refinance | 188 | 127 | 8.5% | 6.125% | −0.28 pts | $6,700 | $405,000 |
| Cash-out refinance | 156 | 117 | 8.3% | 6.490% | −0.05 pts | $4,740 | $265,000 |
*Conventional loans only; medians with at least 20 loans.
Utah counties where Goldenwest ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Morgan County | 4 | 18 | 7.7% |
| Weber County | 6 | 187 | 3.9% |
| Cache County | 8 | 85 | 4.5% |
| Box Elder County | 10 | 24 | 2.0% |
| Rich County | 14 | 1 | 2.2% |
| Davis County | 15 | 90 | 1.7% |
| Washington County | 18 | 41 | 1.1% |
| Summit County | 25 | 6 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology