Purchase Originations
292
Median Total Costs
$7,411
+10.9% vs national ($6,680)
↑ $341 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$4,676
Median Lender Credits
$312
Denial Rate
7.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 249 | 6.250% | $7,017 | $4,743 |
| fha | 28 | 6.062% | $13,574 | $4,465 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,611 | 6.625% | — | 1 | −$3,800 | |
| 2 | $5,210 | 6.058% | — | 2 | −$2,201 | |
| 3 | $6,084 | 6.125% | — | 5 | −$1,327 | |
| 4 | $6,269 | 5.875% | — | 5 | −$1,142 | |
| 5 | $6,461 | 6.312% | — | 2 | −$950 | |
| 6 | $6,773 | 6.125% | — | 47 | −$638 | |
| 7 | $7,069 | 6.125% | — | 21 | −$342 | |
| 8 | $7,200 | 5.875% | — | 3 | −$211 | |
| 9 | $7,203 | 5.990% | — | 43 | −$208 | |
| 10 | $7,384 | 6.375% | — | 19 | −$27 | |
| 11 | $7,627 | 6.250% | — | 101 | +$216 | |
| 12 | $7,808 | 5.750% | — | 1 | +$397 | |
| 13 | $7,836 | 5.990% | — | 3 | +$425 | |
| 14 | $8,170 | 5.875% | — | 3 | +$759 | |
| 15 | $8,254 | 6.433% | — | 12 | +$843 | |
| 16 | $8,563 | 6.625% | — | 2 | +$1,152 | |
| 17 | $9,558 | 6.433% | — | 10 | +$2,147 | |
| 18 | $10,009 | 6.125% | — | 2 | +$2,598 | |
| 19 | $10,393 | 6.875% | — | 1 | +$2,982 | |
| 20 | $10,788 | 6.058% | — | 4 | +$3,377 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Goldenwest | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $7,411 | $7,127 | +$284 (+4.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.