Goldenwest mortgage approval rate & lending review
Goldenwest decided 8,334 mortgage applications and funded 5,804 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Goldenwest reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Goldenwest at a glance
Approval is 8.6 points above the 69.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 86% | 750 / 868 | 89% | $375K | 666 |
| Home improvement loans | 77% | 2,662 / 3,472 | 93% | $105K | 2,466 |
| Cash-out refinance | 80% | 1,637 / 2,046 | 87% | $155K | 1,431 |
| Refinance | 77% | 1,011 / 1,310 | 88% | $125K | 885 |
| Investment property purchase | 83% | 100 / 120 | 77% | $365K | 77 |
| Investment cash-out refinance | 68% | 150 / 221 | 81% | $245K | 121 |
| Investment refinance | 72% | 63 / 88 | 79% | $245K | 50 |
| Investment home improvement | 59% | 124 / 209 | 87% | $105K | 108 |
Goldenwest lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Goldenwest lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Weber County, UT | Home improvement loans | 80% | 847 | 627 |
| Davis County, UT | Home improvement loans | 81% | 826 | 622 |
| Weber County, UT | Cash-out refinance | 81% | 753 | 514 |
| Cache County, UT | Home improvement loans | 80% | 537 | 399 |
| Salt Lake County, UT | Home improvement loans | 70% | 562 | 364 |
| Davis County, UT | Cash-out refinance | 85% | 417 | 313 |
| Weber County, UT | Refinance | 80% | 425 | 303 |
| Weber County, UT | Mortgage lenders | 86% | 345 | 266 |
| Cache County, UT | Cash-out refinance | 84% | 297 | 229 |
| Davis County, UT | Refinance | 80% | 318 | 226 |
| Washington County, UT | Home improvement loans | 71% | 305 | 209 |
| Utah County, UT | Home improvement loans | 69% | 316 | 194 |
The county markets where Goldenwest made the most loans. Each link opens that market with every lender ranked.
Questions about Goldenwest
What is Goldenwest's mortgage approval rate?
Goldenwest approved 78.0% of the 8,334 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.6 points above the 69.3% national rate for the same mix of loan types.
How often do borrowers take the loan Goldenwest offers?
Borrowers accepted 89% of the loans Goldenwest approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Goldenwest make?
The typical home improvement loan loan Goldenwest made was $105K; across all loan types its typical loan ran from $105K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Goldenwest lend?
Goldenwest decided applications in 10 of the states Fat Boy Data covers, most of them in Utah, Idaho and Nevada.
Can I apply to Goldenwest directly?
Yes. Goldenwest is a bank or credit union with 57 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Goldenwest's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Goldenwest treats applications, then get a rate quote from the lender.