Goldenwest in Utah vs the state
17.6%Denial rate+1.65 pts vs state
18.9%Decision denial rate-0.28 pts vs state
62.9%Origination rate-0.35 pts vs state
7.50%Median rate+0.88 pts vs state
0.24Rate spread (pts)0.00 pts vs state
$123kMedian applicant income
3,015Loans originated
844Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,836 | 2,565 | 28.6% | 7.75% | #4 |
| 2024 | 4,218 | 2,489 | 26.4% | 8.50% | #7 |
| 2025 | 4,794 | 3,015 | 17.6% | 7.50% | #7 |
What Goldenwest lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Goldenwest applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Weber County | 1,180 | 847 | 183 | 15.5% |
| Davis County | 811 | 594 | 113 | 13.9% |
| Salt Lake County | 598 | 388 | 134 | 22.4% |
| Cache County | 584 | 407 | 76 | 13.0% |
| Utah County | 381 | 242 | 77 | 20.2% |
| Washington County | 317 | 214 | 66 | 20.8% |
| Box Elder County | 177 | 124 | 24 | 13.6% |
| Morgan County | 130 | 101 | 8 | 6.2% |
| Summit County | 44 | 26 | 12 | 27.3% |
| Tooele County | 28 | 15 | 8 | 28.6% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
| Utah Community Federal Credit Union | B | 2,573 | 16.1% | 6.99% |
Frequently asked questions
Utah: 4,794 applications in 2025, of which 3,015 were originated and 844 denied.
17.6% of all applications, or 18.9% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Goldenwest originated in Utah in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Goldenwest's own HMDA filing for properties located in Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology