Goldwater Bank N.a. Mortgage Rates, Fees & Info
Phoenix, AZLEI: 549300X08QKYUH256I80
Tax ID: 20-8594440
3.6 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Bank Data
Overview
Goldwater Bank N.a. is a small bank specializing in Home Purchase and Refi loans. Goldwater Bank N.a. has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Minneapolis, Atlanta, Houston, New Orleans, and Phoenix among others. Goldwater Bank N.a. has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Goldwater Bank N.a. is typically a high fee lendor.Originations
6,905Origination Dollar Volume (All Markets)
$1,960,535,000Employee count
267Awards
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Goldwater Bank N.A. - 2021
Goldwater Bank N.A. is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Goldwater Bank N.a.'s average 30 year fixed rate mortgage of loans were
3.15%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0%.
Relative Fees
Goldwater Bank N.a.'s average total fees for a 30 year fixed rate
mortgage are $6,147.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1,502 | $406,250,000 | $270,473 | $5,226 | 3.11% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 633 | $169,725,000 | $268,128 | $4,664 | 3.11% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 401 | $119,815,000 | $298,791 | $6,528 | 3.13% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 443 | $119,445,000 | $269,628 | $4,959 | 3.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 226 | $105,960,000 | $468,850 | $7,481 | 3.18% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 177 | $80,385,000 | $454,153 | $8,440 | 3.04% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 226 | $68,430,000 | $302,788 | $6,792 | 3.12% |
| Outside of Metro Areas | 217 | $49,435,000 | $227,811 | $5,794 | 3.15% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 213 | $46,675,000 | $219,131 | $5,344 | 3.11% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 123 | $38,795,000 | $315,407 | $8,725 | 4.60% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 157 | $30,515,000 | $194,363 | $5,414 | 3.18% |
| OCALA, FL (FHA|USDA|VA) | 135 | $27,055,000 | $200,407 | $6,820 | 3.53% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 55 | $23,335,000 | $424,273 | $9,466 | 2.86% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 37 | $22,995,000 | $621,486 | $7,786 | 3.27% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 90 | $20,790,000 | $231,000 | $7,145 | 3.28% |
| Brainerd, MN (FHA|USDA|VA) | 93 | $20,765,000 | $223,280 | $5,306 | 3.12% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 33 | $20,695,000 | $627,121 | $11,850 | 3.18% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 53 | $18,455,000 | $348,208 | $3,896 | 3.21% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 53 | $17,865,000 | $337,075 | $5,507 | 2.84% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 52 | $17,490,000 | $336,346 | $7,103 | 3.20% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 75 | $16,775,000 | $223,667 | $6,020 | 3.27% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 31 | $16,645,000 | $536,935 | $9,530 | 3.01% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 61 | $15,135,000 | $248,115 | $4,489 | 3.08% |
| Mount Pleasant, TX (FHA|USDA|VA) | 54 | $14,600,000 | $270,370 | $7,777 | 3.15% |
| Aberdeen, SD (FHA|USDA|VA) | 73 | $13,455,000 | $184,315 | $6,463 | 3.20% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 65 | $13,105,000 | $201,615 | $4,725 | 3.04% |
| ST. CLOUD, MN (FHA|USDA|VA) | 60 | $12,760,000 | $212,667 | $5,719 | 3.12% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 52 | $12,670,000 | $243,654 | $4,122 | 3.02% |
| ST. GEORGE, UT (FHA|USDA|VA) | 28 | $11,810,000 | $421,786 | $6,387 | 3.14% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 29 | $8,525,000 | $293,966 | $7,931 | 3.12% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 25 | $8,275,000 | $331,000 | $6,759 | 3.55% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 32 | $8,130,000 | $254,063 | $6,412 | 3.32% |
| Corsicana, TX (FHA|USDA|VA) | 38 | $8,060,000 | $212,105 | $6,970 | 3.38% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 21 | $7,435,000 | $354,048 | $7,377 | 3.06% |
| GADSDEN, AL (FHA|USDA|VA) | 43 | $7,435,000 | $172,907 | $4,753 | 2.97% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 19 | $7,425,000 | $390,789 | $5,115 | 3.00% |
| Coos Bay, OR (FHA|USDA|VA) | 24 | $6,800,000 | $283,333 | $5,728 | 3.13% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 32 | $6,640,000 | $207,500 | $4,941 | 3.17% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 20 | $6,470,000 | $323,500 | $7,405 | 3.01% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 18 | $6,450,000 | $358,333 | $6,624 | 3.38% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 24 | $5,970,000 | $248,750 | $5,015 | 3.08% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 17 | $5,775,000 | $339,706 | $7,925 | 2.95% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 19 | $5,485,000 | $288,684 | $7,111 | 3.03% |
| HAMMOND, LA (FHA|USDA|VA) | 26 | $5,450,000 | $209,615 | $5,082 | 3.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 12 | $5,290,000 | $440,833 | $10,260 | 3.14% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 7 | $4,975,000 | $710,714 | $10,203 | 2.82% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 19 | $4,905,000 | $258,158 | $6,582 | 3.22% |
| BATON ROUGE, LA (FHA|USDA|VA) | 20 | $4,850,000 | $242,500 | $5,278 | 3.21% |
| Heber, UT (FHA|USDA|VA) | 1 | $4,725,000 | $4,725,000 | $23,446 | 4.75% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 12 | $4,420,000 | $368,333 | $5,806 | 3.13% |
| EL PASO, TX (FHA|USDA|VA) | 17 | $4,405,000 | $259,118 | $6,563 | 3.38% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 15 | $4,305,000 | $287,000 | $5,619 | 3.09% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 9 | $4,035,000 | $448,333 | $7,741 | 2.83% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 18 | $3,980,000 | $221,111 | $4,916 | 2.87% |
| GAINESVILLE, GA (FHA|USDA|VA) | 11 | $3,865,000 | $351,364 | $4,142 | 3.14% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 10 | $3,730,000 | $373,000 | $8,761 | 4.06% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 23 | $3,705,000 | $161,087 | $6,169 | 3.11% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 13 | $3,655,000 | $281,154 | $5,694 | 3.14% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 8 | $3,610,000 | $451,250 | $8,446 | 3.06% |
| NAPA, CA (FHA|USDA|VA) | 4 | $3,610,000 | $902,500 | $12,641 | 3.09% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 14 | $3,530,000 | $252,143 | $4,795 | 3.17% |
| LONGVIEW, TX (FHA|USDA|VA) | 18 | $3,520,000 | $195,556 | $6,877 | 3.27% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 10 | $3,390,000 | $339,000 | $4,220 | 2.95% |
| AKRON, OH (FHA|USDA|VA) | 16 | $3,230,000 | $201,875 | $5,203 | 3.25% |
| Clewiston, FL (FHA|USDA|VA) | 15 | $3,175,000 | $211,667 | $7,976 | 5.24% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 8 | $3,160,000 | $395,000 | $7,095 | 3.69% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 9 | $3,015,000 | $335,000 | $8,621 | 2.63% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 14 | $2,990,000 | $213,571 | $5,953 | 3.63% |
| GREELEY, CO (FHA|USDA|VA) | 6 | $2,950,000 | $491,667 | $8,857 | 3.58% |
| SAVANNAH, GA (FHA|USDA|VA) | 8 | $2,920,000 | $365,000 | $9,612 | 2.98% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 18 | $2,850,000 | $158,333 | $3,983 | 3.08% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 12 | $2,820,000 | $235,000 | $5,414 | 3.28% |
| Red Wing, MN (FHA|USDA|VA) | 11 | $2,805,000 | $255,000 | $4,734 | 3.18% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 7 | $2,725,000 | $389,286 | $8,508 | 3.11% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 8 | $2,700,000 | $337,500 | $8,078 | 3.44% |
| TULSA, OK (FHA|USDA|VA) | 11 | $2,695,000 | $245,000 | $6,559 | 3.07% |
| Picayune, MS (FHA|USDA|VA) | 19 | $2,665,000 | $140,263 | $5,113 | 3.08% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 7 | $2,625,000 | $375,000 | $6,236 | 3.02% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 5 | $2,615,000 | $523,000 | $9,305 | 3.18% |
| Huntsville, TX (FHA|USDA|VA) | 8 | $2,570,000 | $321,250 | $7,452 | 3.72% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 7 | $2,485,000 | $355,000 | $5,796 | 3.04% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $2,480,000 | $413,333 | $10,898 | 3.29% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 6 | $2,380,000 | $396,667 | $5,345 | 3.15% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 8 | $2,380,000 | $297,500 | $6,477 | 3.64% |
| MONTGOMERY, AL (FHA|USDA|VA) | 10 | $2,250,000 | $225,000 | $4,375 | 3.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 8 | $2,250,000 | $281,250 | $4,751 | 2.63% |
| VICTORIA, TX (FHA|USDA|VA) | 9 | $2,115,000 | $235,000 | $7,125 | 3.28% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 8 | $2,110,000 | $263,750 | $7,597 | 3.05% |
| Minden, LA (FHA|USDA|VA) | 14 | $2,110,000 | $150,714 | $5,074 | 3.29% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 3 | $1,985,000 | $661,667 | $25,697 | 2.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 5 | $1,975,000 | $395,000 | $8,833 | 2.93% |
| TUCSON, AZ (FHA|USDA|VA) | 7 | $1,955,000 | $279,286 | $4,770 | 3.02% |
| Gainesville, TX (FHA|USDA|VA) | 7 | $1,935,000 | $276,429 | $6,139 | 3.16% |
| COLUMBUS, OH (FHA|USDA|VA) | 8 | $1,930,000 | $241,250 | $5,789 | 2.58% |
| THE VILLAGES, FL (FHA|USDA|VA) | 8 | $1,920,000 | $240,000 | $8,753 | 3.23% |
| Fort Payne, AL (FHA|USDA|VA) | 11 | $1,885,000 | $171,364 | $5,018 | 2.95% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $1,885,000 | $377,000 | $4,765 | 2.30% |
| SALINAS, CA (FHA|USDA|VA) | 4 | $1,870,000 | $467,500 | $5,853 | 2.84% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 7 | $1,835,000 | $262,143 | $8,799 | 2.98% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 7 | $1,835,000 | $262,143 | $4,149 | 3.07% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 7 | $1,795,000 | $256,429 | $4,039 | 3.25% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $1,785,000 | $357,000 | $8,935 | 2.90% |
| HATTIESBURG, MS (FHA|USDA|VA) | 6 | $1,740,000 | $290,000 | $6,768 | 3.21% |
| Athens, TX (FHA|USDA|VA) | 5 | $1,725,000 | $345,000 | $6,495 | 2.78% |
| KNOXVILLE, TN (FHA|USDA|VA) | 8 | $1,650,000 | $206,250 | $6,799 | 3.11% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $1,630,000 | $407,500 | $6,715 | 3.38% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 6 | $1,620,000 | $270,000 | $4,719 | 3.02% |
| BOISE CITY, ID (FHA|USDA|VA) | 4 | $1,610,000 | $402,500 | $9,285 | 2.72% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $1,600,000 | $400,000 | $5,360 | 3.09% |
| Rio Grande City-Roma, TX (FHA|USDA|VA) | 9 | $1,595,000 | $177,222 | $6,398 | 3.07% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $1,555,000 | $311,000 | $8,466 | 2.90% |
| PROVO-OREM, UT (FHA|USDA|VA) | 4 | $1,530,000 | $382,500 | $6,758 | 3.16% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 5 | $1,495,000 | $299,000 | $5,596 | 3.25% |
| FRESNO, CA (FHA|USDA|VA) | 4 | $1,490,000 | $372,500 | $5,636 | 3.09% |
| Cedartown, GA (FHA|USDA|VA) | 4 | $1,470,000 | $367,500 | $12,934 | 4.16% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 4 | $1,450,000 | $362,500 | $4,449 | 3.44% |
| DULUTH, MN-WI (FHA|USDA|VA) | 10 | $1,390,000 | $139,000 | $3,766 | 3.19% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $1,300,000 | $216,667 | $5,048 | 2.94% |
| PANAMA CITY, FL (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $5,646 | 3.05% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $10,597 | 3.29% |
| Bogalusa, LA (FHA|USDA|VA) | 6 | $1,280,000 | $213,333 | $5,282 | 2.92% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 7 | $1,255,000 | $179,286 | $5,516 | 2.93% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $1,185,000 | $1,185,000 | $16,732 | 4.25% |
| Centralia, WA (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $7,382 | 3.04% |
| Cornelia, GA (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $5,332 | 2.42% |
| RENO, NV (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $3,590 | 2.75% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $4,423 | 2.92% |
| MADISON, WI (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $6,958 | 2.63% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $7,034 | 3.41% |
| Show Low, AZ (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $7,549 | 3.75% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $2,857 | 2.81% |
| ROCHESTER, MN (FHA|USDA|VA) | 6 | $1,070,000 | $178,333 | $4,785 | 3.21% |
| Keene, NH (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $3,659 | 2.81% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $5,451 | 3.13% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $7,638 | 3.06% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $8,277 | 3.08% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $8,504 | 2.81% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $985,000 | $985,000 | $10,681 | 2.50% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $5,003 | 3.25% |
| Hutchinson, MN (FHA|USDA|VA) | 6 | $940,000 | $156,667 | $3,529 | 3.15% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $8,657 | 3.06% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $3,214 | 2.96% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $20,610 | 2.88% |
| Alice, TX (FHA|USDA|VA) | 1 | $915,000 | $915,000 | $10,709 | 4.50% |
| Outside of Metro Areas | 3 | $915,000 | $305,000 | $12,525 | 3.04% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 6 | $910,000 | $151,667 | $4,885 | 3.38% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $5,316 | 4.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $7,980 | 2.79% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $5,764 | 2.58% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 6 | $870,000 | $145,000 | $5,838 | 3.92% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $7,962 | 3.34% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $2,644 | 3.08% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $4,633 | 3.25% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $4,526 | 3.00% |
| Bonham, TX (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $6,887 | 2.75% |
| BRUNSWICK, GA (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $3,599 | 2.90% |
| Granbury, TX (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $5,334 | 2.84% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $6,276 | 3.13% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $5,262 | 2.92% |
| Winona, MN (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $8,791 | 2.79% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $4,673 | 2.75% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $5,225 | 2.91% |
| MOBILE, AL (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $5,431 | 2.96% |
| MANKATO, MN (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $4,084 | 3.50% |
| FORT COLLINS, CO (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $2,286 | 2.83% |
| Alexandria, MN (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $3,809 | 2.79% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $7,223 | 3.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $8,950 | 3.09% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $6,578 | 2.50% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $7,459 | 3.17% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $3,374 | 3.04% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $5,736 | 2.75% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $9,986 | 3.13% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $9,484 | 2.75% |
| Port Lavaca, TX (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $9,139 | 3.21% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $10,950 | 4.50% |
| BISMARCK, ND (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,002 | 3.13% |
| WACO, TX (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $5,422 | 3.63% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 5 | $625,000 | $125,000 | $3,728 | 3.25% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $6,256 | 2.81% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $8,504 | 2.50% |
| CHEYENNE, WY (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $7,152 | 3.06% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $3,721 | 2.50% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $6,458 | 3.13% |
| Alexander City, AL (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $3,486 | 3.25% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $9,062 | 3.31% |
| Mountain Home, ID (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,479 | 3.13% |
| TYLER, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $6,397 | 2.94% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,979 | 2.81% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $4,310 | 2.88% |
| GAINESVILLE, FL (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $6,830 | 3.19% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,285 | 2.63% |
| Grand Rapids, MN (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $3,964 | 3.50% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,773 | 2.88% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,335 | 2.56% |
| LAFAYETTE, LA (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $3,471 | 3.29% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $3,424 | 2.88% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $7,601 | 2.88% |
| HINESVILLE, GA (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $3,518 | 2.63% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $5,738 | 2.50% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $4,537 | 2.96% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,169 | 2.25% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $7,931 | 3.63% |
| Payson, AZ (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,988 | 2.50% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $5,954 | 3.13% |
| Bay City, TX (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,185 | 3.25% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $3,392 | 3.17% |
| Fallon, NV (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $6,259 | 2.25% |
| Albertville, AL (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $4,296 | 3.21% |
| ABILENE, TX (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $5,294 | 2.54% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $7,949 | 2.50% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $16,032 | 3.38% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $5,288 | 2.38% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $7,043 | 2.75% |
| Willmar, MN (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $7,096 | 2.96% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $10,784 | 5.99% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $7,142 | 2.50% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,316 | 2.38% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $12,520 | 2.63% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,545 | 3.13% |
| West Plains, MO (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,188 | 2.44% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $7,508 | 2.69% |
| Fergus Falls, MN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,973 | 2.94% |
| Roswell, NM (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,286 | 3.13% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,397 | 3.06% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $25,932 | 2.88% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $6,733 | 2.63% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,755 | 3.31% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $13,503 | 2.75% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,556 | 2.88% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,128 | 2.75% |
| Eagle Pass, TX (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,633 | 2.81% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,825 | 2.38% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,773 | 3.19% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $10,050 | 2.88% |
| Albert Lea, MN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $8,402 | 3.13% |
| Crossville, TN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $11,891 | 1.88% |
| Brenham, TX (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,980 | 2.94% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $7,547 | 2.81% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $6,106 | 2.75% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,621 | 3.25% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,283 | 3.25% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $4,222 | 3.71% |
| Rockport, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $7,753 | 3.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,825 | 3.25% |
| REDDING, CA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,213 | 2.56% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $15,539 | 2.88% |
| Boone, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,654 | 3.25% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $13,056 | 3.13% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,297 | 2.63% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,190 | 5.75% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,366 | 3.00% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,621 | 2.38% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,362 | 2.38% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $13,771 | 3.38% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,062 | 3.25% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,090 | 3.75% |
| Moscow, ID (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,229 | 2.63% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,871 | 2.88% |
| MONROE, LA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $5,621 | 3.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $5,251 | 3.19% |
| Uvalde, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,254 | 3.63% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,841 | 3.38% |
| Durango, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,109 | 4.25% |
| Palestine, TX (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,264 | 3.13% |
| DOVER, DE (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $13,107 | 2.63% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,553 | 2.88% |
| RACINE, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,431 | 2.88% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,140 | 3.00% |
| Clovis, NM (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,866 | 2.25% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,830 | 3.50% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,052 | 3.13% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,714 | 3.44% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $6,825 | 3.63% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,555 | 2.88% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,584 | 3.38% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,616 | 3.38% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,857 | 3.00% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,631 | 3.25% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,003 | 2.75% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,044 | 3.63% |
| Kearney, NE (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,992 | 3.00% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,598 | 2.75% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,910 | 2.50% |
| Fairmont, MN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,347 | 3.31% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,963 | 2.75% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,538 | 3.75% |
| MERCED, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,388 | 2.25% |
| Raymondville, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,651 | 2.50% |
| NILES, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,651 | 3.00% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,642 | 2.63% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,970 | 3.25% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,996 | 3.50% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,923 | 3.00% |
| Hastings, NE (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,398 | 3.13% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,786 | 2.38% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,442 | 3.50% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,387 | 2.25% |
| New Ulm, MN (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,772 | 3.75% |
| Branson, MO (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $1,930 | 3.13% |
| Oxford, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,390 | 3.00% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,624 | 2.38% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,481 | 3.38% |
| Bemidji, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,967 | 3.13% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,232 | 3.00% |
| MONROE, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,116 | 3.13% |
| Houghton, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,789 | 3.00% |
| Atmore, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,347 | 3.88% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,725 | 3.50% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,050 | 2.38% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,225 | 2.50% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,893 | 2.63% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,472 | 3.25% |
| Wooster, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,652 | 2.50% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,462 | 4.00% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,716 | 1.88% |
| Paris, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,516 | 3.38% |
| Jesup, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,193 | 2.63% |
| Mineral Wells, TX (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $4,465 | 3.19% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $10,907 | 3.63% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,367 | 2.88% |
| Laconia, NH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,658 | 3.13% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,097 | 2.50% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,305 | 2.88% |
| Palatka, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,727 | 3.38% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,600 | 3.25% |
| Pecos, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,144 | 3.25% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,908 | 2.88% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,100 | 3.00% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,079 | 3.63% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,546 | 2.50% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,410 | 3.13% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,613 | 3.13% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,300 | 2.88% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,111 | 3.00% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,271 | 3.88% |
| Indiana, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,323 | 3.50% |
| Jackson, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,206 | 3.13% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,343 | 3.25% |
| Duncan, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,802 | 3.38% |
| Platteville, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,074 | 2.38% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,961 | 2.75% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,672 | 2.75% |
| Cullman, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,889 | 3.00% |
| Middlesborough, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,389 | 3.13% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,043 | 3.00% |
| Brevard, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,477 | 2.75% |
| Worthington, MN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,281 | 3.50% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,306 | 2.88% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,836 | 3.25% |
| Cadillac, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,291 | 4.50% |
| Newport, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,143 | 3.38% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,907 | 3.00% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,151 | 3.25% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,201 | 2.88% |
Goldwater Bank N.a.'s top markets include Minneapolis, Atlanta, Houston, New Orleans, and Phoenix among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 5,220 | $1,497,580,000 | $286,893 | $5,104 | 3.17% |
| FHA | 928 | $220,050,000 | $237,123 | $8,942 | 3.24% |
| VA | 627 | $218,555,000 | $348,573 | $8,349 | 2.87% |
| USDA | 130 | $24,350,000 | $187,308 | $6,013 | 3.02% |
For the 2021 period, Goldwater Bank N.a.'s most frequently originated loan type of loans were Conventional, with 5,220 originations. Their 2nd most popular type is FHA, with 928 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 3,887 | $1,090,275,000 | $280,493 | $6,510 | 3.30% |
| Refi | 1,838 | $522,870,000 | $284,478 | $4,590 | 2.84% |
| Cash Out Refi | 1,180 | $347,390,000 | $294,398 | $6,143 | 3.15% |
For the 2021, Goldwater Bank N.a.'s most frequently cited loan purpose of loans were Home Purchase, with 3,887 originations. The 2nd most popular reason of loans were Refi, with 1,838 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 5,881 | $1,703,585,000 | $289,676 | $6,147 | 3.15% |
| 15 Year | 573 | $134,215,000 | $234,232 | $4,190 | 2.58% |
| 30+ year | 179 | $75,835,000 | $423,659 | $10,101 | 5.28% |
| 10 Year | 125 | $6,175,000 | $49,400 | $818 | 3.18% |
| 20 Year | 114 | $31,300,000 | $274,561 | $4,436 | 2.90% |
| Other | 33 | $9,425,000 | $285,606 | $4,460 | 3.13% |
For the 2021, Goldwater Bank N.a.'s most frequently cited loan length of loans were 30 Year, with 5,881 originations. The 2nd most popular length of loans were 15 Year, with 573 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 3,309 | $890,645,000 | $269,158 |
| $2k-3k | 1,142 | $282,460,000 | $247,338 |
| $3k-4k | 1,135 | $315,565,000 | $278,031 |
| $5k+ | 685 | $333,595,000 | $487,000 |
| $<1k | 634 | $138,270,000 | $218,091 |
$6,147 of loans were Goldwater Bank N.a.'s average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 3,309 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 3,355 | $876,915,000 | $261,376 |
| 2.5-3% | 2,514 | $728,600,000 | $289,817 |
| <2.5% | 714 | $212,900,000 | $298,179 |
| 4-5% | 185 | $93,195,000 | $503,757 |
| 5-6% | 92 | $32,410,000 | $352,283 |
| 6-7% | 39 | $14,295,000 | $366,538 |
| 7-8% | 6 | $2,220,000 | $370,000 |
During 2021, Goldwater Bank N.a.'s average interest rate of loans were 3.15%, while their most frequently originated rate bucket of loans were 3-4%, with 3,355 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 3,420 | $967,020,000 | $282,754 | $6,035 | 3.15% |
| $100k-200k | 1,900 | $296,220,000 | $155,905 | $4,693 | 3.13% |
| $400k-600k | 999 | $481,505,000 | $481,987 | $7,607 | 3.12% |
| $100,000 or less | 379 | $23,425,000 | $61,807 | $2,794 | 3.26% |
| $600k-1MM | 159 | $119,565,000 | $751,981 | $12,253 | 3.34% |
| $1MM+ | 48 | $72,800,000 | $1,516,667 | $19,219 | 3.67% |
2021 saw Goldwater Bank N.a. place emphasis on $200k-400k loans with 3,420 originations, totaling $967,020,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 1,639 | $355,565,000 | $216,940 | $5,515 | 3.17% |
| $100k-150k | 1,444 | $444,280,000 | $307,673 | $6,050 | 3.16% |
| $75k-100k | 1,215 | $316,395,000 | $260,407 | $5,931 | 3.21% |
| $50k or less | 1,162 | $223,420,000 | $192,272 | $5,034 | 3.04% |
| $150k-250k | 1,014 | $386,330,000 | $380,996 | $6,673 | 3.15% |
| $250k+ | 431 | $234,545,000 | $544,188 | $7,886 | 3.23% |
Goldwater Bank N.a. lent most frequently to those with incomes in the $50k-75k range, with 1,639 originations. The second most popular income band? $100k-150k, with 1,444 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 1,345 | $360,915,000 | $268,338 | $5,008 | 3.06% |
| 30-36% | 1,250 | $360,570,000 | $288,456 | $5,692 | 3.15% |
| <20% | 461 | $116,965,000 | $253,720 | $4,568 | 3.04% |
| 44% | 336 | $93,050,000 | $276,935 | $6,571 | 3.27% |
| 43% | 286 | $84,040,000 | $293,846 | $6,196 | 3.19% |
| 42% | 281 | $86,595,000 | $308,167 | $6,397 | 3.23% |
| 41% | 268 | $74,800,000 | $279,104 | $5,914 | 3.25% |
| 49% | 267 | $77,805,000 | $291,404 | $7,293 | 3.34% |
| 39% | 248 | $74,310,000 | $299,637 | $6,557 | 3.19% |
| 38% | 247 | $68,155,000 | $275,931 | $5,999 | 3.17% |
| 50-60% | 246 | $73,600,000 | $299,187 | $10,018 | 3.34% |
| 40% | 237 | $66,255,000 | $279,557 | $5,834 | 3.22% |
| 37% | 222 | $64,590,000 | $290,946 | $6,011 | 3.13% |
| 45% | 214 | $62,420,000 | $291,682 | $6,310 | 3.21% |
| 36% | 201 | $53,525,000 | $266,294 | $5,732 | 3.20% |
| 48% | 194 | $56,560,000 | $291,546 | $6,865 | 3.35% |
| 46% | 185 | $55,155,000 | $298,135 | $7,363 | 3.28% |
| 47% | 181 | $52,405,000 | $289,530 | $6,251 | 3.31% |
| >60% | 10 | $7,010,000 | $701,000 | $12,360 | 4.23% |
Goldwater Bank N.a. lent most frequently to those with DTI ratios of 20-30%, with 1,345 originations. The next most common DTI ratio? 30-36%, with 1,250 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 5,621 | $1,580,515,000 | $281,180 | $5,812 | 3.14% |
| Black | 530 | $149,320,000 | $281,736 | $7,025 | 3.29% |
| Not provided | 440 | $129,680,000 | $294,727 | $6,329 | 3.09% |
| Asian | 264 | $88,610,000 | $335,644 | $5,809 | 3.14% |
| American Indian | 39 | $9,585,000 | $245,769 | $5,440 | 3.41% |
| Native Hawaiian | 8 | $1,890,000 | $236,250 | $4,756 | 3.06% |
| Asian Indian | 2 | $760,000 | $380,000 | $4,510 | 3.25% |
| Other Asian | 1 | $175,000 | $175,000 | $2,677 | 3.38% |
Approval Rates
Total approvals of all applications94.71%
Goldwater Bank N.a. has an average approval rate.
Pick Rate
Approvals leading to origination58.39%
Goldwater Bank N.a. has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 6,905 | $1,960,535,000 | $283,930 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6,905 | $1,960,535,000 | $283,930 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 170 | $33,230,000 | $195,471 | $4,107 | 2.87% |
| 40-60% | 754 | $206,020,000 | $273,236 | $4,706 | 2.90% |
| 60-80% | 2,316 | $695,660,000 | $300,371 | $5,294 | 3.12% |
| 80-100% | 3,416 | $978,370,000 | $286,408 | $6,642 | 3.23% |
| Over 100% | 114 | $41,710,000 | $365,877 | $14,482 | 3.15% |
| Under 20% | 135 | $5,545,000 | $41,074 | $960 | 3.46% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Goldwater Bank, N.A. | 2525 E Camelback Rd, Ste 1100 Phoenix, AZ 85016 | Full Service B&M | $256,832 |
For 2021, Goldwater Bank N.a. had 1 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $13,268 |
| Net interest income | $11,551 |
| Total noninterest income | $77,750 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $38 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $77,712 |
| Pre-tax net operating income | $6,705 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $5,112 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $5,112 |
| Minority interest net income | $-11 |
| Net income | $5,123 |
| Sale, conversion, retirement of capital stock, net | $85 |
| Net operating income | $5,112 |
Goldwater Bank N.a.'s gross interest income from loans was $13,268,000.
Goldwater Bank N.a.'s net interest income from loans was $11,551,000.
Goldwater Bank N.a.'s fee based income from loans was $38,000.
Goldwater Bank N.a.'s net income from loans was $5,123,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $1,717 |
| Provision for credit losses | $1,742 |
| Total noninterest expense | $80,854 |
| Salaries and employee benefits | $60,441 |
| Premises and equipment expense | $3,543 |
| Additional noninterest expense | $16,870 |
| Applicable income taxes | $1,593 |
| Net charge-offs | $683 |
| Cash dividends | $297 |
Goldwater Bank N.a.'s interest expense for loans was $1,717,000.
Goldwater Bank N.a.'s payroll and benefits expense were $60,441,000.
Goldwater Bank N.a.'s property, plant and equipment expenses $3,543,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 6.0% |
| Personal loans | 3.0% |
| Credit card loans | 0.0% |
| Other individual loans | 3.0% |
| Auto loans | 22.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $249,576 |
| Deposits held in domestic offices | $249,576 |
| Deposits by Individuals, partnerships, and corporations | $171,061 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $0 |
| Deposits by Commercial banks and other depository institutions in U.S. | $78,515 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $68,539 |
| Demand deposits | $67,322 |
| Nontransaction accounts | $181,037 |
| Money market deposit accounts (MMDAs) | $11,095 |
| Other savings deposits (excluding MMDAs) | $12,160 |
| Total time deposits | $157,782 |
| Total time and savings deposits | $182,254 |
| Noninterest-bearing deposits | $67,322 |
| Interest-bearing deposits | $182,254 |
| Retail deposits | $212,924 |
| IRAs and Keogh plan accounts | $0 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $348,453 |
| Cash & Balances due from depository institutions | $59,479 |
| Interest-bearing balances | $34,170 |
| Total securities | $582 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $262,818 |
| Loan and leases loss allowance | $2,155 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,379 |
| Other real estate owned | $211 |
| Goodwill and other intangibles | $135 |
| All other assets | $23,849 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $348,453 |
| Total Liabilities | $299,020 |
| Total deposits | $249,576 |
| Interest-bearing deposits | $182,254 |
| Deposits held in domestic offices | $249,576 |
| % insured (estimated) | $68 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $45,000 |
| Subordinated debt | $0 |
| All other liabilities | $4,444 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $262,818 |
| Loan and leases loss allowance | $2,155 |
| Total loans and leases (domestic) | $264,973 |
| All real estate loans | $255,532 |
| Real estate loans in domestic offices | $255,532 |
| Construction and development loans | $63,057 |
| Residential 1-4 family construction | $53,389 |
| Other construction, all land development and other land | $9,668 |
| Loans secured by nonfarm nonresidential properties | $20,748 |
| Nonfarm nonresidential secured by owner-occupied properties | $10,674 |
| Commercial real estate & other non-farm, non-residential | $10,074 |
| Multifamily residential real estate | $221 |
| 1-4 family residential loans | $170,593 |
| Farmland loans | $913 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $7,449 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $220 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $36 |
| Other loans to individuals | $184 |
| All other loans & leases | $1,900 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $0 |
| Loans to depository institutions and acceptances of other banks | $1,900 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $0 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
Goldwater Bank N.A. had $262,818,000 of loans outstanding in 2021. $255,532,000 of loans were in real estate loans. $63,057,000 of loans were in development loans. $221,000 of loans were in multifamily mortgage loans. $170,593,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $36,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 25 | $11,558 | $462,320 |
| Nonfarm, nonresidential loans - $100-250k | 1 | $191 | $191,000 |
| Nonfarm, nonresidential loans - $250k-1MM | 24 | $11,367 | $473,625 |
| Commercial & Industrial, US addressed loans - <$1MM | 7 | $1,597 | $228,143 |
| Commercial & Industrial, US addressed loans - <$100k | 1 | $11 | $11,000 |
| Commercial & Industrial, US addressed loans - $100-250k | 2 | $341 | $170,500 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 4 | $1,245 | $311,250 |
| Farmland loans - <$1MM | 1 | $426 | $426,000 |
| Farmland loans - $250k-1MM | 1 | $426 | $426,000 |
