Goldenwest at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
65th19.3% deniedPricingmedian rate spread over APOR, weight 30%
43rd0.24 ptsProcesswithdrawn + incomplete share, weight 15%
79th7.3%Closing coststotal loan costs ÷ loan amount, weight 10%
38th3.61% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 5,071 | 2,645 | 28.8% | 31.5% | 7.75% | $396M |
| 2024 | 4,744 | 2,606 | 25.5% | 27.1% | 8.50% | $496M |
| 2025 | 5,217 | 3,215 | 17.9% | 19.3% | 7.50% | $688M |
What Goldenwest lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 3,180 home-equity lines, 0 reverse mortgages, 11 manufactured homes, 359 investment properties.
Why Goldenwest denies applications
Primary reason reported for each of the 935 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Goldenwest
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 327 | 137 | 44.4% |
| $50k – $100k | 1,581 | 896 | 24.0% |
| $100k – $150k | 1,393 | 900 | 16.9% |
| $150k – $250k | 1,304 | 883 | 12.8% |
| Over $250k | 588 | 393 | 12.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 132 | 41 | 21.0% |
| 25–34 | 854 | 406 | 24.7% |
| 35–44 | 1,335 | 819 | 20.7% |
| 45–54 | 1,427 | 944 | 18.1% |
| 55–64 | 840 | 571 | 16.9% |
| 65–74 | 477 | 341 | 13.3% |
| Over 74 | 149 | 93 | 23.0% |
Where Goldenwest lends
17 states and 64 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Goldenwest denied 19.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 65th percentile of home-equity (HELOC) lenders.
The most common reason Goldenwest gave in 2025 was "debt-to-income ratio", cited on 54.2% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Goldenwest originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 0.24 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 20% of its applications were for home purchases, 32% for refinancing (including cash-out), and 48% for home improvement or other purposes. By loan type: 96% conventional, 3% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.