# GOLDENWEST

> **Canonical URL:** https://saferate.com/lenders/goldenwest


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


GOLDENWEST is a credit union, headquartered in Ogden, UT, serving borrowers across 6 states, with 523 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 60% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300BDHZAV4ZQHQV19
- **Headquarters:** Ogden, UT
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** ID, NV, TX, UT, WA, WY
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 40/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.137%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,940
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 523
- **Dollar Volume:** $204 million
- **Applications Received:** 1,292
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $390,966
- **Average Borrower Income:** $200,597
- **Average Property Value:** $650,411

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 443 | -0.135% | $3,787 | Strong 😀 |
| FHA | 59/100 | 35 | +0.020% | $4,532 | Sound ☺️ |
| VA | 58/100 | 13 | -0.700% | $5,042 | Sound ☺️ |
| Jumbo | 73/100 | 32 | +0.122% | $8,539 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 231 loans, Score: 61/100 (Strong)
- Refinance: 212 loans, Score: 76/100 (Strong)

**FHA:**
- Purchase: 28 loans, Score: 57/100 (Sound)

**Jumbo:**
- Purchase: 27 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 294 | $128M | -0.083% | Strong 😀 |
| Refinance | 76/100 | 229 | $77M | -0.201% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| UT | 488 | 1.08% | 85/100 |
| ID | 27 | 0.10% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Ogden, UT | UT | 265 | 92/100 |
| Non |  | 82 | 51/100 |
| Logan, UT | UT-ID | 74 | 86/100 |
| Salt Lake City | UT | 40 | 60/100 |
| St. George, UT | UT | 29 | 62/100 |
| Provo | UT | 18 | 50/100 |

## Where This Lender Ranks

GOLDENWEST appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Ogden, UT for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Logan, UT for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/logan-ut/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Logan, UT for Jumbo Loans
  - [View Full Rankings](https://saferate.com/logan-ut/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in St. George, UT for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Logan, UT for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/logan-ut/best-mortgage-lenders/credit-unions/fha-loans)
- 🥉 **#3** in Utah for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions/fha-loans)
- 🥉 **#3** in Ogden, UT for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Ogden, UT for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/credit-unions/fha-loans)
- 🥉 **#3** in Ogden, UT for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in St. George, UT for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Utah for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Utah for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#4** in Utah for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Salt Lake City for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Ogden, UT Credit Unions
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in Logan, UT for Conventional Loans
  - [View Full Rankings](https://saferate.com/logan-ut/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in St. George, UT for Jumbo Loans
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/jumbo-loans)
- 🏆 **#8** in Utah Credit Unions
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions)
- 🏆 **#8** in Ogden, UT for Jumbo Loans
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/jumbo-loans)
- 🏆 **#9** in Salt Lake City Credit Unions
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/credit-unions)

## Frequently Asked Questions

### What loan types does GOLDENWEST offer?

GOLDENWEST offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GOLDENWEST offer mortgages?

GOLDENWEST offers mortgages in 6 states: ID, NV, TX, UT, WA, WY.

### How competitive are GOLDENWEST's mortgage rates?

GOLDENWEST has a pricing score of 40/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.137% below market average.

### What type of lender is GOLDENWEST?

GOLDENWEST is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Ogden, UT.

### What is GOLDENWEST's loan approval success rate?

GOLDENWEST has a pull-through score of 52/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/goldenwest

### How to Cite

> "GOLDENWEST Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/goldenwest

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**[View Interactive Profile →](https://saferate.com/lenders/goldenwest)**