Goldwater Bank N.a. Mortgage Rates, Fees & Info
Phoenix, AZLEI: 549300X08QKYUH256I80
Tax ID: 20-8594440
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Mortgage Data
Review & Overview
Goldwater Bank N.a. is a smaller bank specializing in Home Purchase 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 by origination volume include: Minneapolis, Atlanta, Phoenix, Seattle, and Houston among others. We have data for 233 markets. (Some data included below & more in-depth data is available with an active subscription.)Goldwater Bank N.a. has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Goldwater Bank N.a. is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.96% | 12/4/23 |
| 30 Year Conventional Refi | 6.55% | 12/4/23 |
| 30 Year Cash-out Refi | 6.83% | 12/4/23 |
| 30 Year FHA Purchase | 7.58% | 12/4/23 |
| 30 Year FHA Refi | 7.19% | 12/4/23 |
| 30 Year VA Purchase | 6.68% | 12/4/23 |
| 30 Year VA Refi | 6.48% | 12/4/23 |
| 30 Year USDA Purchase | 7.00% | 12/4/23 |
| 30 Year USDA Refi | 6.27% | 12/4/23 |
| 15 Year Conventional Purchase | 6.48% | 12/4/23 |
| 15 Year Conventional Refi | 6.10% | 12/4/23 |
| 15 Year Cash-out Refi | 6.10% | 12/4/23 |
| 15 Year FHA Refi | 5.68% | 12/4/23 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Goldwater Bank N.a. Mortgage Calculator
Your Estimates
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This is not an official calculator from Goldwater Bank N.a.. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,884Origination Dollar Volume (All Markets)
$863,120,000Awards
Goldwater Bank N.A. - 2022
Goldwater Bank N.A. is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Relative Rate
Goldwater Bank N.a.'s average 30 year fixed mortgage rate was
5.15%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.39%.
Relative Fees (Closing Costs)
Goldwater Bank N.a.'s average total fees/closing costs for a 30 year fixed rate
mortgage were $8,185.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1,100 | $310,720,000 | $282,473 | $7,522 | 5.33% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 259 | $77,555,000 | $299,440 | $7,207 | 4.90% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 81 | $44,175,000 | $545,370 | $11,642 | 4.93% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 74 | $36,580,000 | $494,324 | $12,473 | 4.54% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 94 | $31,440,000 | $334,468 | $7,809 | 5.15% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 81 | $30,695,000 | $378,951 | $10,261 | 5.89% |
| Outside of Metro Areas | 125 | $29,505,000 | $236,040 | $7,065 | 5.40% |
| OCALA, FL (FHA|USDA|VA) | 88 | $20,440,000 | $232,273 | $9,157 | 5.33% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 86 | $18,900,000 | $219,767 | $6,189 | 4.80% |
| Brainerd, MN (FHA|USDA|VA) | 49 | $11,795,000 | $240,714 | $7,441 | 5.41% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 35 | $9,525,000 | $272,143 | $6,537 | 4.88% |
| ST. GEORGE, UT (FHA|USDA|VA) | 18 | $8,000,000 | $444,444 | $13,723 | 4.57% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 30 | $7,990,000 | $266,333 | $9,091 | 4.85% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 32 | $7,530,000 | $235,313 | $5,858 | 4.56% |
| Aberdeen, SD (FHA|USDA|VA) | 38 | $7,320,000 | $192,632 | $7,599 | 4.82% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 15 | $6,755,000 | $450,333 | $10,463 | 5.08% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 14 | $6,560,000 | $468,571 | $5,830 | 4.91% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 20 | $6,210,000 | $310,500 | $7,999 | 4.64% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 10 | $6,150,000 | $615,000 | $14,323 | 4.62% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 21 | $5,345,000 | $254,524 | $6,739 | 5.18% |
| GADSDEN, AL (FHA|USDA|VA) | 24 | $4,970,000 | $207,083 | $5,751 | 4.94% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 17 | $4,965,000 | $292,059 | $7,166 | 5.37% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 10 | $4,920,000 | $492,000 | $14,147 | 4.46% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 11 | $4,915,000 | $446,818 | $10,913 | 5.27% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 7 | $4,845,000 | $692,143 | $7,022 | 4.79% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 6 | $4,700,000 | $783,333 | $14,229 | 4.38% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 17 | $4,465,000 | $262,647 | $7,363 | 5.61% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 16 | $4,230,000 | $264,375 | $4,791 | 4.45% |
| ST. CLOUD, MN (FHA|USDA|VA) | 20 | $4,150,000 | $207,500 | $6,902 | 5.18% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 10 | $3,760,000 | $376,000 | $5,401 | 5.41% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $3,630,000 | $1,815,000 | $22,372 | 4.38% |
| EL PASO, TX (FHA|USDA|VA) | 12 | $3,350,000 | $279,167 | $8,653 | 5.30% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 12 | $3,320,000 | $276,667 | $9,698 | 5.81% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 5 | $3,295,000 | $659,000 | $5,669 | 4.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 9 | $3,275,000 | $363,889 | $9,131 | 4.89% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 9 | $3,215,000 | $357,222 | $12,815 | 5.18% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 23 | $3,025,000 | $131,522 | $6,935 | 4.72% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $2,895,000 | $965,000 | $10,671 | 6.00% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 9 | $2,485,000 | $276,111 | $5,413 | 4.42% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 7 | $2,145,000 | $306,429 | $13,666 | 5.89% |
| Clewiston, FL (FHA|USDA|VA) | 9 | $2,115,000 | $235,000 | $6,664 | 5.40% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $2,115,000 | $423,000 | $9,026 | 4.98% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 7 | $2,015,000 | $287,857 | $9,281 | 5.66% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $1,960,000 | $490,000 | $8,287 | 4.53% |
| Sevierville, TN (FHA|USDA|VA) | 5 | $1,945,000 | $389,000 | $8,683 | 5.10% |
| Minden, LA (FHA|USDA|VA) | 11 | $1,905,000 | $173,182 | $6,184 | 4.76% |
| ROCHESTER, MN (FHA|USDA|VA) | 9 | $1,755,000 | $195,000 | $6,087 | 5.33% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 5 | $1,695,000 | $339,000 | $4,519 | 4.42% |
| Fort Payne, AL (FHA|USDA|VA) | 6 | $1,680,000 | $280,000 | $6,918 | 5.13% |
| Coos Bay, OR (FHA|USDA|VA) | 6 | $1,620,000 | $270,000 | $8,634 | 4.06% |
| SAVANNAH, GA (FHA|USDA|VA) | 4 | $1,560,000 | $390,000 | $8,199 | 5.03% |
| Key West, FL (FHA|USDA|VA) | 1 | $1,395,000 | $1,395,000 | $10,917 | 3.50% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $1,365,000 | $273,000 | $5,070 | 6.58% |
| MANKATO, MN (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $6,480 | 5.33% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 7 | $1,335,000 | $190,714 | $3,760 | 6.34% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $1,315,000 | $438,333 | $16,143 | 6.83% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $1,315,000 | $1,315,000 | $13,385 | 7.25% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $9,574 | 4.80% |
| GAINESVILLE, GA (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $5,762 | 5.21% |
| Hutchinson, MN (FHA|USDA|VA) | 6 | $1,240,000 | $206,667 | $6,860 | 6.04% |
| Alexander City, AL (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $7,888 | 5.13% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $13,468 | 3.50% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $7,038 | 5.29% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $0 | 5.50% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 6 | $1,080,000 | $180,000 | $9,209 | 4.65% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $0 | 6.43% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $1,025,000 | $1,025,000 | $14,017 | 5.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $7,131 | 5.91% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $5,677 | 5.97% |
| Huntsville, TX (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $13,446 | 4.71% |
| Jefferson, GA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $8,069 | 6.54% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $895,000 | $895,000 | $19,779 | 5.25% |
| Red Wing, MN (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $4,801 | 6.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $8,397 | 4.50% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $9,947 | 4.44% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $6,500 | 6.19% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $4,609 | 3.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $6,360 | 6.25% |
| Willmar, MN (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $4,186 | 6.79% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $7,495 | 5.44% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $4,947 | 4.13% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $5,497 | 3.97% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $7,642 | 3.69% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $6,131 | 4.94% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $7,640 | 4.69% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $8,315 | 4.75% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $3,133 | 4.31% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $6,277 | 4.21% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $8,868 | 5.67% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $9,715 | 6.00% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $4,681 | 3.88% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $7,378 | 5.75% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $5,786 | 5.16% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $5,128 | 3.63% |
| LINCOLN, NE (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $6,800 | 5.88% |
| Fergus Falls, MN (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $7,656 | 4.75% |
| Grand Rapids, MN (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $4,682 | 6.38% |
| Shawnee, OK (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $6,575 | 4.34% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $26,454 | 5.63% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $6,942 | 4.13% |
| HATTIESBURG, MS (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $11,966 | 5.00% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $11,338 | 5.79% |
| Albertville, AL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $7,709 | 6.13% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $5,354 | 6.06% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $10,878 | 4.44% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $6,321 | 5.50% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,993 | 6.50% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $11,863 | 4.38% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,440 | 5.19% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 6.38% |
| Gainesville, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $5,752 | 5.69% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $1,550 | 4.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $5,296 | 4.91% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,778 | 4.25% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,405 | 3.94% |
| Rio Grande City-Roma, TX (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $5,140 | 4.72% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $22,180 | 5.63% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $11,182 | 4.25% |
| TULSA, OK (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $4,435 | 4.44% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $18,786 | 5.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $30,652 | 4.63% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $1,713 | 3.75% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $7,395 | 5.63% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $9,174 | 6.50% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $6,459 | 4.00% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $8,212 | 6.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $1,987 | 3.25% |
| MADISON, WI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,627 | 4.81% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,624 | 3.75% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $8,905 | 8.50% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $15,920 | 7.25% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,187 | 4.00% |
| DOVER, DE (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $8,696 | 5.13% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $1,702 | 5.88% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,179 | 6.06% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,496 | 3.50% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,619 | 6.38% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,954 | 4.56% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $1,608 | 3.25% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $15,201 | 5.38% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,436 | 5.75% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,225 | 2.88% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,799 | 7.50% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $10,188 | 4.00% |
| Outside of Metro Areas | 1 | $335,000 | $335,000 | $3,305 | 4.00% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,117 | 5.63% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,405 | 5.88% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,750 | 5.00% |
| Alexandria, MN (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $3,709 | 6.42% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $12,362 | 7.00% |
| Greenwood, SC (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $8,394 | 5.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,935 | 4.50% |
| Shelton, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,150 | 2.63% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,262 | 5.13% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 6.13% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,395 | 5.25% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,529 | 5.63% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,953 | 5.00% |
| Scottsboro, AL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,859 | 4.94% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,829 | 4.13% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,785 | 5.25% |
| VICTORIA, TX (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,192 | 5.25% |
| ENID, OK (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,976 | 5.13% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,088 | 3.88% |
| MADERA, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,873 | 6.13% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,876 | 3.88% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,900 | 6.13% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 4.38% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $13,179 | 4.63% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,435 | 6.13% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $12,851 | 4.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,046 | 3.31% |
| New Ulm, MN (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $7,991 | 4.94% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,323 | 5.38% |
| Brenham, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,068 | 3.13% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,931 | 5.50% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,456 | 4.25% |
| ROME, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,533 | 7.25% |
| PINE BLUFF, AR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,480 | 5.88% |
| Boone, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.25% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,027 | 4.75% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,869 | 4.00% |
| Mitchell, SD (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,602 | 5.38% |
| Corsicana, TX (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,170 | 5.00% |
| Picayune, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,077 | 5.63% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,526 | 5.38% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,648 | 3.13% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,069 | 4.88% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,582 | 5.63% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,599 | 4.75% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,982 | 4.63% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 5.38% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,379 | 6.75% |
| Spearfish, SD (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,311 | 4.25% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,392 | 5.50% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,567 | 6.63% |
| Austin, MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,477 | 3.75% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,275 | 4.25% |
| Marshall, MN (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $4,890 | 5.56% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,042 | 7.13% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,044 | 5.50% |
| Brookings, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 4.75% |
| Summerville, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,227 | 4.13% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.75% |
| Bemidji, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,548 | 5.25% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,342 | 2.88% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,258 | 3.38% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,934 | 4.38% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,349 | 4.25% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,908 | 6.50% |
| Tifton, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,705 | 3.50% |
| Newport, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,605 | 3.13% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.99% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,854 | 6.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,987 | 4.25% |
| WACO, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,085 | 6.13% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,394 | 5.25% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,270 | 3.50% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,760 | 4.00% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,503 | 5.00% |
| Woodward, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,422 | 4.25% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,073 | 3.13% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,787 | 3.25% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,648 | 6.25% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,896 | 2.50% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,263 | 6.50% |
| Gallup, NM (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,907 | 3.25% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,037 | 4.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,420 | 5.50% |
| Pampa, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,626 | 4.25% |
| Farmington, MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,989 | 6.63% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.50% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,167 | 7.63% |
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Product Mix
For 2022, Goldwater Bank N.a.'s most frequently originated type of loan was Conventional, with 2,131 originations. Their 2nd most popular type was FHA, with 493 originations.
Loan Reason
For 2022, Goldwater Bank N.a.'s most frequently cited loan purpose was Home Purchase, with 2,354 originations. The 2nd most popular reason was Cash Out Refi, with 353 originations.
Loan Duration/Length
For 2022, Goldwater Bank N.a.'s most frequently cited loan duration was 30 Year, with 2,489 originations. The 2nd most popular length was 15 Year, with 126 originations.
Origination Fees/Closing Costs
Goldwater Bank N.a.'s average total fees were $8,185, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 776 originations.
Interest Rates
During 2022, Goldwater Bank N.a.'s average interest rate for loans was 5.15%, while their most frequently originated rate bucket for loans was 5-6%, with 950 originations.
Loan Sizing
2022 saw Goldwater Bank N.a. place emphasis on $200k-400k loans with 1,427 originations, totaling $410,205,000 in origination value.
Applicant Income
Goldwater Bank N.a. lent most frequently to those with incomes in the $50k-75k range, with 758 originations. The second most popular income band? $100k-150k, with 643 originations.
Applicant Debt to Income Ratio
Goldwater Bank N.a. lent most frequently to those with DTI ratios of 30-36%, with 469 originations. The next most common DTI ratio? 20-30%, with 375 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.49%
Goldwater Bank N.a. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination64.39%
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 | 2,884 | $863,120,000 | $299,279 |