We analyzed every closed loan from Goldenwest — 523 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Refinance
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Goldenwest performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Rates 13.7 bps below market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
443 loans · 0.14% below market
Strong
Top 40% of lenders
4/5
FHA
35 loans · 0.02% above market
Sound
Top 60% of lenders
3/5
VA
13 loans · 0.70% below market
Sound
Top 60% of lenders
3/5
Jumbo
32 loans · 0.12% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
294 loans · 0.08% below market
Strong
Top 40% of lenders
4/5
Refinance
229 loans · 0.20% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 443 | 84.7% | -0.135%Below | $3,787Fees | ||||
FHA Loans | 35 | 6.7% | +0.020%Above | $4,532Fees | ||||
VA Loans | — | 13 | 2.5% | -0.700%Below | $5,042Fees | |||
Jumbo Loans | — | 32 | 6.1% | +0.122%Above | $8,539Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume443
Mix84.7%
Spread
-0.135%Below
Fees
$3,787Fees
FHA Loans
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume35
Mix6.7%
Spread
+0.020%Above
Fees
$4,532Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume13
Mix2.5%
Spread
-0.700%Below
Fees
$5,042Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume32
Mix6.1%
Spread
+0.122%Above
Fees
$8,539Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 294 | 56.2% | -0.083%Below | $4,354Fees | ||||
Refinance | 229 | 43.8% | -0.201%Below | $3,444Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume294
Mix56.2%
Spread
-0.083%Below
Fees
$4,354Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume229
Mix43.8%
Spread
-0.201%Below
Fees
$3,444Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
523
Applications
1,292
Volume
$204 million
Pricing & Closing
Avg Rate Spread
-0.137%
vs. market APOR
Avg Net Fees
$3,940
Origination − Credits
Pullthrough Rate
40.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$390,966
Avg Borrower Income
$200,597
Avg Property Value
$650,411
Geographic Coverage
Geographic Performance
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.