Goldwater Bank N.a. Mortgage Rates, Fees & Info
Phoenix, AZLEI: 549300X08QKYUH256I80
Tax ID: 20-8594440
3.6 stars
Latest/2021 | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Bank Data
Review & 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 by origination volume include: Minneapolis, Atlanta, Houston, New Orleans, and Phoenix among others. We have data for 355 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.08% | 12/4/22 |
| 30 Year Conventional Refi | 6.85% | 12/4/22 |
| 30 Year Cash-out Refi | 7.06% | 12/4/22 |
| 30 Year FHA Purchase | 7.88% | 12/4/22 |
| 30 Year FHA Refi | 7.53% | 12/4/22 |
| 30 Year VA Purchase | 7.03% | 12/4/22 |
| 30 Year VA Refi | 6.27% | 12/4/22 |
| 30 Year USDA Purchase | 7.19% | 12/4/22 |
| 30 Year USDA Refi | 6.58% | 12/4/22 |
| 15 Year Conventional Purchase | 6.37% | 12/4/22 |
| 15 Year Conventional Refi | 6.09% | 12/4/22 |
| 15 Year Cash-out Refi | 6.09% | 12/4/22 |
| 15 Year FHA Purchase | 5.76% | 12/4/22 |
| 15 Year FHA Refi | 7.59% | 12/4/22 |
| 15 Year VA Refi | 5.91% | 12/4/22 |
| 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. | ||
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 mortgage rate was
3.15%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of -0%.
Relative Fees (Closing Costs)
Goldwater Bank N.a.'s average total fees/closing costs for a 30 year fixed rate
mortgage were $6,147.
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) | 1,502 | $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% |
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Product Mix
For 2021, Goldwater Bank N.a.'s most frequently originated type of loan was Conventional, with 5,220 originations. Their 2nd most popular type was FHA, with 928 originations.
Loan Reason
For 2021, Goldwater Bank N.a.'s most frequently cited loan purpose was Home Purchase, with 3,887 originations. The 2nd most popular reason was Refi, with 1,838 originations.
Loan Duration/Length
For 2021, Goldwater Bank N.a.'s most frequently cited loan duration was 30 Year, with 5,881 originations. The 2nd most popular length was 15 Year, with 573 originations.
Origination Fees/Closing Costs
Goldwater Bank N.a.'s average total fees were $6,147, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,309 originations.
Interest Rates
During 2021, Goldwater Bank N.a.'s average interest rate for loans was 3.15%, while their most frequently originated rate bucket for loans was 3-4%, with 3,355 originations.
Loan Sizing
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
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
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
Approval Rates
Total approvals of all applications95.68%
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 origination61.71%
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
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 |
