Goldenwest
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Goldenwest 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Goldenwest Po Box 1111 Ogden, UT 84402 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 8,778 |
| Total Mortgage Loan Application Amount | $1,771,410,000 |
| Average Mortgage Loan Application Amount | $172,200 |
| Highest Mortgage Loan Application Amount | $2,225,000 |
| Average Applicant Income | $104,000 |
| Highest Applicant Income | $3,404,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Goldenwest. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Goldenwest's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Goldenwest's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Goldenwest serves its applicants.
Each category highlights the total number of mortgage applications processed by Goldenwest, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Goldenwest's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Weber County Utah | 2,493 | $ 454,575,000 | $ 182,000 | $ 95,000 |
| Davis County Utah | 1,832 | $ 369,120,000 | $ 201,000 | $ 111,000 |
| Cache County Utah | 953 | $ 168,055,000 | $ 176,000 | $ 100,000 |
| Salt Lake County Utah | 776 | $ 162,240,000 | $ 209,000 | $ 118,000 |
| Washington County Utah | 425 | $ 82,745,000 | $ 194,000 | $ 123,000 |
| Box Elder County Utah | 341 | $ 65,365,000 | $ 191,000 | $ 93,000 |
| Utah County Utah | 290 | $ 60,140,000 | $ 207,000 | $ 115,000 |
| Morgan County Utah | 193 | $ 47,285,000 | $ 245,000 | $ 121,000 |
| Franklin County Idaho | 44 | $ 7,880,000 | $ 179,000 | $ 64,000 |
| Summit County Utah | 38 | $ 10,050,000 | $ 264,000 | $ 154,000 |
| Tooele County Utah | 31 | $ 6,255,000 | $ 201,000 | $ 96,000 |
| Iron County Utah | 18 | $ 2,560,000 | $ 142,000 | $ 71,000 |
| Rich County Utah | 10 | $ 2,340,000 | $ 234,000 | $ 102,000 |
| Sevier County Utah | 10 | $ 1,190,000 | $ 119,000 | $ 67,000 |
| Sanpete County Utah | 9 | $ 1,845,000 | $ 205,000 | $ 116,000 |
| Bonneville County Idaho | 8 | $ 1,770,000 | $ 221,000 | $ 66,000 |
| Cassia County Idaho | 8 | $ 2,010,000 | $ 251,000 | $ 90,000 |
| Wasatch County Utah | 8 | $ 2,430,000 | $ 303,000 | $ 195,000 |
| Clark County Nevada | 6 | $ 1,210,000 | $ 201,000 | $ 195,000 |
| Oneida County Idaho | 5 | $ 1,185,000 | $ 237,000 | $ 117,000 |
| Carbon County Utah | 5 | $ 745,000 | $ 149,000 | $ 66,000 |
| Fremont County Idaho | 4 | $ 940,000 | $ 235,000 | $ 100,000 |
| Garfield County Utah | 4 | $ 350,000 | $ 87,000 | $ 56,000 |
| Maricopa County Arizona | 3 | $ 1,035,000 | $ 345,000 | $ 212,000 |
| Bannock County Idaho | 3 | $ 405,000 | $ 135,000 | $ 106,000 |
| Bear Lake County Idaho | 3 | $ 335,000 | $ 111,000 | $ 99,000 |
| Millard County Utah | 3 | $ 545,000 | $ 181,000 | $ 76,000 |
| Uintah County Utah | 3 | $ 485,000 | $ 161,000 | $ 77,000 |
| Beaver County Utah | 2 | $ 280,000 | $ 140,000 | $ 95,000 |
| Duchesne County Utah | 2 | $ 220,000 | $ 110,000 | $ 102,000 |
| Grand County Utah | 2 | $ 760,000 | $ 380,000 | $ 80,000 |
| San Juan County Utah | 2 | $ 470,000 | $ 235,000 | $ 194,000 |
| Wayne County Utah | 2 | $ 150,000 | $ 75,000 | $ 35,000 |
| Mohave County Arizona | 1 | $ 285,000 | $ 285,000 | $ 158,000 |
| Pima County Arizona | 1 | $ 265,000 | $ 265,000 | $ 125,000 |
| Orange County California | 1 | $ 155,000 | $ 155,000 | $ 420,000 |
| Riverside County California | 1 | $ 35,000 | $ 35,000 | $ 94,000 |
| San Bernardino County California | 1 | $ 55,000 | $ 55,000 | $ 75,000 |
| San Diego County California | 1 | $ 305,000 | $ 305,000 | $ 56,000 |
| Broomfield County Colorado | 1 | $ 35,000 | $ 35,000 | $ 156,000 |
| Montezuma County Colorado | 1 | $ 35,000 | $ 35,000 | $ 85,000 |
| Ada County Idaho | 1 | $ 225,000 | $ 225,000 | $ 129,000 |
| Elmore County Idaho | 1 | $ 495,000 | $ 495,000 | $ 450,000 |
| Twin Falls County Idaho | 1 | $ 125,000 | $ 125,000 | $ 81,000 |
| Berkshire County Massachusetts | 1 | $ 15,000 | $ 15,000 | $ 85,000 |
| Mecklenburg County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Marion County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Daggett County Utah | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Juab County Utah | 1 | $ 335,000 | $ 335,000 | $ 203,000 |
| Kane County Utah | 1 | $ 75,000 | $ 75,000 | $ 92,000 |
| Pierce County Washington | 1 | $ 65,000 | $ 65,000 | $ 67,000 |
| Washakie County Wyoming | 1 | $ 235,000 | $ 235,000 | $ 91,000 |
Mortgage Loan Application Detail Totals for Goldenwest in 2020
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 3,171 | $746,415,000 | $235,000 | $985,000 | $104,000 | $3,404,000 |
| Cash-out Refinancing | 2,341 | $399,675,000 | $170,000 | $1,585,000 | $107,000 | $1,691,000 |
| Home Purchase | 1,686 | $445,810,000 | $264,000 | $2,225,000 | $88,000 | $2,357,000 |
| Home Improvement | 1,475 | $171,525,000 | $116,000 | $805,000 | $113,000 | $1,637,000 |
| Other Purpose | 105 | $7,985,000 | $76,000 | $1,555,000 | $108,000 | $1,080,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 7,125 | $1,439,635,000 | $202,000 | $2,225,000 | $107,000 | $3,336,000 |
| Hispanic | 810 | $145,010,000 | $179,000 | $705,000 | $79,000 | $3,404,000 |
| Not Provided | 595 | $135,745,000 | $228,000 | $765,000 | $104,000 | $588,000 |
| Asian | 153 | $32,475,000 | $212,000 | $605,000 | $95,000 | $475,000 |
| Black or African American | 42 | $8,110,000 | $193,000 | $475,000 | $85,000 | $287,000 |
| American Indian or Alaskan Native | 28 | $5,210,000 | $186,000 | $515,000 | $81,000 | $467,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $3,055,000 | $179,000 | $305,000 | $60,000 | $122,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 8,197 | $1,624,775,000 | $198,000 | $2,225,000 | $106,000 | $3,404,000 |
| FHA-insured (Federal Housing Administration) | 346 | $79,270,000 | $229,000 | $455,000 | $58,000 | $537,000 |
| VA-guaranteed (Veterans Administration) | 189 | $55,675,000 | $294,000 | $655,000 | $82,000 | $360,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 46 | $11,690,000 | $254,000 | $405,000 | $55,000 | $86,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 5,278 | $1,023,080,000 | $193,000 | $1,585,000 | $105,000 | $1,637,000 |
| Application Withdrawn By Applicant | 1,339 | $338,345,000 | $252,000 | $985,000 | $101,000 | $2,357,000 |
| Application Approved But Not Accepted | 1,189 | $275,465,000 | $231,000 | $2,225,000 | $108,000 | $3,404,000 |
| Application Denied By Financial Institution | 942 | $127,160,000 | $134,000 | $1,555,000 | $92,000 | $2,903,000 |
| File Closed For Incompleteness | 30 | $7,360,000 | $245,000 | $515,000 | $76,000 | $178,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 7,836 | $1,644,250,000 | $209,000 | $2,225,000 | $105,000 | $3,404,000 |
| Credit History | 390 | $65,070,000 | $166,000 | $555,000 | $89,000 | $2,903,000 |
| Debt-To-Income Ratio | 227 | $19,065,000 | $83,000 | $605,000 | $75,000 | $278,000 |
| Other | 152 | $23,840,000 | $156,000 | $1,555,000 | $104,000 | $999,000 |
| Collateral | 72 | $5,970,000 | $82,000 | $575,000 | $118,000 | $431,000 |
| Credit Application Incomplete | 65 | $6,635,000 | $102,000 | $505,000 | $123,000 | $400,000 |
| Unverifiable Information | 29 | $5,795,000 | $199,000 | $505,000 | $75,000 | $191,000 |
| Employment History | 7 | $785,000 | $112,000 | $305,000 | $67,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Goldenwest's 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Goldenwest's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Utah, download the full spreadsheet
with aggregated HMDA statistics today.