Goldwater Bank N.a. Mortgage Rates, Fees & Info
Phoenix, AZLEI: 549300X08QKYUH256I80
Tax ID: 20-8594440
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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, Houston, Atlanta, Seattle, and Dallas among others. We have data for 382 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 | 6.96% | 12/16/24 |
| 30 Year Conventional Refi | 6.55% | 12/16/24 |
| 30 Year Cash-out Refi | 6.83% | 12/16/24 |
| 30 Year FHA Purchase | 7.58% | 12/16/24 |
| 30 Year FHA Refi | 7.19% | 12/16/24 |
| 30 Year VA Purchase | 6.68% | 12/16/24 |
| 30 Year VA Refi | 6.48% | 12/16/24 |
| 30 Year USDA Purchase | 7.00% | 12/16/24 |
| 30 Year USDA Refi | 6.27% | 12/16/24 |
| 15 Year Conventional Purchase | 6.48% | 12/16/24 |
| 15 Year Conventional Refi | 6.10% | 12/16/24 |
| 15 Year Cash-out Refi | 6.10% | 12/16/24 |
| 15 Year FHA Refi | 5.68% | 12/16/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
5,311Origination Dollar Volume (All Markets)
$1,308,875,000Employee count
317Awards
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Goldwater Bank N.A. - 2019
Goldwater Bank N.A. is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 506 | $135,460,000 | $267,708 | $6,301 | 4.18% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 389 | $100,195,000 | $257,571 | $7,656 | 4.50% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 427 | $95,995,000 | $224,813 | $5,060 | 4.35% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 269 | $91,965,000 | $341,877 | $6,740 | 4.21% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 228 | $61,650,000 | $270,395 | $8,348 | 4.51% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 277 | $60,565,000 | $218,646 | $5,112 | 4.21% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 172 | $52,430,000 | $304,826 | $7,235 | 4.12% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 271 | $39,395,000 | $145,369 | $5,644 | 4.77% |
| Outside of Metro Areas | 202 | $39,270,000 | $194,406 | $6,506 | 4.59% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 151 | $29,355,000 | $194,404 | $5,034 | 4.32% |
| BOISE CITY, ID (FHA|USDA|VA) | 122 | $29,160,000 | $239,016 | $5,869 | 4.20% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 71 | $25,355,000 | $357,113 | $9,694 | 4.31% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 48 | $24,060,000 | $501,250 | $8,750 | 4.69% |
| OCALA, FL (FHA|USDA|VA) | 136 | $21,100,000 | $155,147 | $7,078 | 4.63% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 58 | $13,140,000 | $226,552 | $5,775 | 4.33% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 61 | $12,445,000 | $204,016 | $5,408 | 4.16% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 64 | $12,390,000 | $193,594 | $5,608 | 4.37% |
| Corsicana, TX (FHA|USDA|VA) | 58 | $12,100,000 | $208,621 | $7,353 | 4.59% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 35 | $12,075,000 | $345,000 | $9,961 | 4.02% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 51 | $11,005,000 | $215,784 | $6,989 | 4.62% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 42 | $10,780,000 | $256,667 | $7,820 | 4.82% |
| Mount Pleasant, TX (FHA|USDA|VA) | 46 | $9,390,000 | $204,130 | $8,923 | 4.53% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 17 | $9,095,000 | $535,000 | $15,582 | 4.04% |
| SANTA FE, NM (FHA|USDA|VA) | 28 | $8,870,000 | $316,786 | $5,673 | 4.52% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 41 | $8,655,000 | $211,098 | $6,204 | 4.58% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 23 | $8,575,000 | $372,826 | $12,188 | 4.11% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 43 | $8,455,000 | $196,628 | $7,928 | 4.49% |
| Moscow, ID (FHA|USDA|VA) | 34 | $8,180,000 | $240,588 | $4,332 | 4.24% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 28 | $7,810,000 | $278,929 | $4,483 | 4.31% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 14 | $7,470,000 | $533,571 | $9,821 | 4.69% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 20 | $7,470,000 | $373,500 | $12,547 | 4.36% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 39 | $7,325,000 | $187,821 | $5,723 | 4.30% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 23 | $7,095,000 | $308,478 | $5,559 | 4.51% |
| ST. GEORGE, UT (FHA|USDA|VA) | 21 | $6,855,000 | $326,429 | $5,187 | 4.20% |
| AKRON, OH (FHA|USDA|VA) | 48 | $6,520,000 | $135,833 | $5,307 | 4.90% |
| GADSDEN, AL (FHA|USDA|VA) | 37 | $6,485,000 | $175,270 | $5,259 | 4.17% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 16 | $6,480,000 | $405,000 | $10,891 | 4.02% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 24 | $6,210,000 | $258,750 | $7,450 | 5.57% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 25 | $6,135,000 | $245,400 | $4,968 | 4.25% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 14 | $5,500,000 | $392,857 | $9,136 | 4.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 20 | $5,420,000 | $271,000 | $6,582 | 4.55% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 24 | $5,160,000 | $215,000 | $6,646 | 4.38% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 19 | $4,305,000 | $226,579 | $6,082 | 4.46% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 23 | $4,195,000 | $182,391 | $5,543 | 4.39% |
| LONGVIEW, TX (FHA|USDA|VA) | 21 | $4,015,000 | $191,190 | $7,308 | 4.45% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 11 | $3,935,000 | $357,727 | $6,291 | 4.27% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 18 | $3,920,000 | $217,778 | $4,159 | 4.69% |
| VALLEJO, CA (FHA|USDA|VA) | 13 | $3,905,000 | $300,385 | $10,282 | 4.12% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 8 | $3,770,000 | $471,250 | $12,991 | 3.83% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 11 | $3,665,000 | $333,182 | $9,159 | 4.19% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 13 | $3,645,000 | $280,385 | $7,704 | 4.21% |
| VICTORIA, TX (FHA|USDA|VA) | 17 | $3,225,000 | $189,706 | $6,747 | 4.43% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 13 | $3,105,000 | $238,846 | $6,123 | 4.19% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 10 | $3,090,000 | $309,000 | $7,061 | 4.31% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 11 | $3,055,000 | $277,727 | $7,258 | 4.19% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 10 | $2,990,000 | $299,000 | $7,870 | 4.10% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 8 | $2,910,000 | $363,750 | $8,194 | 4.13% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 7 | $2,845,000 | $406,429 | $11,281 | 4.61% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 12 | $2,650,000 | $220,833 | $7,154 | 4.51% |
| COLUMBUS, OH (FHA|USDA|VA) | 13 | $2,635,000 | $202,692 | $6,872 | 4.22% |
| HAMMOND, LA (FHA|USDA|VA) | 14 | $2,620,000 | $187,143 | $5,563 | 4.32% |
| Port Lavaca, TX (FHA|USDA|VA) | 14 | $2,620,000 | $187,143 | $9,379 | 5.05% |
| Minden, LA (FHA|USDA|VA) | 15 | $2,585,000 | $172,333 | $5,424 | 4.53% |
| BATON ROUGE, LA (FHA|USDA|VA) | 13 | $2,555,000 | $196,538 | $5,165 | 4.10% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 9 | $2,535,000 | $281,667 | $6,025 | 4.40% |
| STOCKTON, CA (FHA|USDA|VA) | 9 | $2,495,000 | $277,222 | $6,135 | 4.43% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 9 | $2,485,000 | $276,111 | $5,281 | 4.07% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 12 | $2,460,000 | $205,000 | $3,828 | 4.57% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 6 | $2,290,000 | $381,667 | $10,666 | 4.27% |
| Rio Grande City-Roma, TX (FHA|USDA|VA) | 12 | $2,240,000 | $186,667 | $6,776 | 4.33% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 13 | $2,165,000 | $166,538 | $7,478 | 4.91% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 10 | $2,160,000 | $216,000 | $6,870 | 4.75% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 9 | $2,155,000 | $239,444 | $7,502 | 4.14% |
| Coos Bay, OR (FHA|USDA|VA) | 10 | $2,150,000 | $215,000 | $4,751 | 4.70% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 8 | $2,120,000 | $265,000 | $6,552 | 4.30% |
| Picayune, MS (FHA|USDA|VA) | 12 | $2,120,000 | $176,667 | $5,392 | 4.29% |
| Outside of Metro Areas | 4 | $2,060,000 | $515,000 | $14,910 | 4.28% |
| Clewiston, FL (FHA|USDA|VA) | 8 | $2,050,000 | $256,250 | $10,069 | 7.18% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 3 | $2,005,000 | $668,333 | $20,696 | 4.13% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 8 | $1,940,000 | $242,500 | $7,254 | 4.52% |
| PROVO-OREM, UT (FHA|USDA|VA) | 6 | $1,920,000 | $320,000 | $7,319 | 3.90% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 3 | $1,915,000 | $638,333 | $13,584 | 3.50% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 9 | $1,865,000 | $207,222 | $7,265 | 4.31% |
| Alexander City, AL (FHA|USDA|VA) | 7 | $1,845,000 | $263,571 | $4,913 | 4.34% |
| MEDFORD, OR (FHA|USDA|VA) | 6 | $1,840,000 | $306,667 | $8,210 | 3.65% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 8 | $1,660,000 | $207,500 | $6,674 | 4.53% |
| Fort Payne, AL (FHA|USDA|VA) | 11 | $1,635,000 | $148,636 | $4,906 | 3.97% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 6 | $1,550,000 | $258,333 | $11,026 | 4.56% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $1,545,000 | $515,000 | $16,221 | 4.50% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 7 | $1,495,000 | $213,571 | $7,105 | 4.68% |
| ANCHORAGE, AK (FHA|USDA|VA) | 4 | $1,490,000 | $372,500 | $9,248 | 3.75% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 8 | $1,440,000 | $180,000 | $6,563 | 4.95% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 4 | $1,420,000 | $355,000 | $5,041 | 4.47% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 8 | $1,380,000 | $172,500 | $6,550 | 4.41% |
| RENO, NV (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $9,142 | 4.25% |
| JACKSON, MS (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $7,327 | 4.13% |
| PANAMA CITY, FL (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $6,657 | 4.31% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 7 | $1,315,000 | $187,857 | $7,663 | 4.52% |
| MADISON, WI (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $8,532 | 4.13% |
| MOBILE, AL (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $8,558 | 3.97% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $9,072 | 4.06% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $1,265,000 | $421,667 | $3,959 | 3.38% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $9,498 | 4.45% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 8 | $1,200,000 | $150,000 | $4,131 | 4.50% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $13,885 | 4.04% |
| Jennings, LA (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $17,401 | 4.46% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $1,185,000 | $1,185,000 | $17,311 | 3.13% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $10,432 | 4.69% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 7 | $1,165,000 | $166,429 | $5,705 | 4.79% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $7,128 | 4.43% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $7,730 | 3.54% |
| Huntsville, TX (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $6,978 | 4.80% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $2,881 | 3.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $5,858 | 4.33% |
| Alamogordo, NM (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $9,162 | 4.13% |
| COLUMBIA, SC (FHA|USDA|VA) | 6 | $1,120,000 | $186,667 | $6,046 | 4.21% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $7,192 | 3.91% |
| ROCHESTER, MN (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $6,318 | 4.18% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $9,087 | 4.58% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 8 | $1,060,000 | $132,500 | $5,035 | 4.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $7,820 | 3.81% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $8,764 | 3.94% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $6,319 | 3.96% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $15,369 | 4.13% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $9,503 | 3.94% |
| TOLEDO, OH (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $7,277 | 4.59% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $7,526 | 5.81% |
| Ashtabula, OH (FHA|USDA|VA) | 5 | $985,000 | $197,000 | $6,534 | 4.68% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $7,160 | 4.38% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $6,010 | 4.63% |
| SAVANNAH, GA (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $3,289 | 4.20% |
| LONGVIEW, WA (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $8,353 | 4.28% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $7,978 | 3.92% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $6,959 | 3.92% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $8,878 | 4.22% |
| TYLER, TX (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $6,419 | 4.50% |
| MONROE, LA (FHA|USDA|VA) | 6 | $880,000 | $146,667 | $4,975 | 5.06% |
| SALEM, OR (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $16,106 | 3.92% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $4,718 | 3.38% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $10,180 | 4.50% |
| Red Wing, MN (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $5,151 | 4.21% |
| Los Alamos, NM (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $2,887 | 3.81% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $9,401 | 5.00% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $17,674 | 4.38% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $8,195 | 3.88% |
| Pullman, WA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $3,063 | 4.63% |
| Opelousas, LA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $15,333 | 4.56% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $8,954 | 4.25% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $6,716 | 4.87% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $4,022 | 3.38% |
| DOVER, DE (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $8,199 | 3.92% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $5,418 | 4.19% |
| MERCED, CA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $13,965 | 4.31% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $7,607 | 3.38% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $7,685 | 4.00% |
| Aberdeen, WA (FHA|USDA|VA) | 5 | $695,000 | $139,000 | $5,052 | 4.63% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $2,016 | 3.71% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $20,647 | 4.31% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $4,720 | 4.25% |
| BANGOR, ME (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $9,164 | 4.92% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $10,398 | 4.08% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $7,500 | 4.13% |
| PUEBLO, CO (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $5,720 | 4.04% |
| BEND, OR (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $9,140 | 4.00% |
| FAIRBANKS, AK (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $11,616 | 5.06% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $4,463 | 3.75% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $16,092 | 4.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $6,046 | 4.96% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $18,492 | 3.88% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $9,532 | 4.13% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,877 | 4.13% |
| Shelton, WA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $7,689 | 4.75% |
| Georgetown, SC (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $10,677 | 3.88% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $15,735 | 3.13% |
| LAFAYETTE, LA (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $6,658 | 4.58% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $5,003 | 4.00% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $9,097 | 4.00% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $6,165 | 3.94% |
| Roswell, NM (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $4,485 | 4.06% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $4,565 | 3.38% |
| ST. CLOUD, MN (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $5,464 | 4.25% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $3,709 | 4.50% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $5,810 | 4.38% |
| JACKSON, TN (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $4,857 | 3.71% |
| Ontario, OR-ID (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $6,536 | 4.46% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $9,983 | 3.25% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $6,089 | 3.99% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $15,844 | 3.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $6,944 | 4.81% |
| Athens, TX (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $6,699 | 4.75% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $4,962 | 3.69% |
| St. Marys, GA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,493 | 4.06% |
| RACINE, WI (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $15,722 | 5.13% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $14,115 | 3.13% |
| Russellville, AR (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $4,922 | 4.69% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $8,236 | 3.50% |
| Roseburg, OR (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $6,435 | 4.25% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $5,660 | 4.16% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $4,747 | 4.63% |
| Orangeburg, SC (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $5,713 | 3.88% |
| DULUTH, MN-WI (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $4,280 | 4.38% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $5,090 | 4.44% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $7,045 | 4.25% |
| Albertville, AL (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $5,076 | 4.28% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,221 | 3.25% |
| Tiffin, OH (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $5,778 | 4.17% |
| Heber, UT (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $12,253 | 4.25% |
| MISSOULA, MT (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,840 | 4.69% |
| Granbury, TX (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $7,105 | 4.44% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $12,255 | 4.50% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $7,098 | 4.50% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $5,586 | 4.75% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,874 | 4.44% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $7,223 | 4.88% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,225 | 3.38% |
| Sulphur Springs, TX (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $9,321 | 4.13% |
| Brainerd, MN (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,198 | 4.31% |
| Bonham, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $20,097 | 4.50% |
| GREAT FALLS, MT (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,773 | 4.00% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $19,816 | 4.13% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,180 | 3.83% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,707 | 3.88% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,176 | 3.81% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $9,145 | 4.13% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $9,181 | 4.75% |
| HINESVILLE, GA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,914 | 4.13% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,674 | 4.75% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,170 | 3.38% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,408 | 4.13% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $8,630 | 5.94% |
| Española, NM (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $6,797 | 5.00% |
| Aberdeen, SD (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,411 | 3.63% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $10,385 | 3.75% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 6.49% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,955 | 3.38% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $7,924 | 4.88% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,947 | 4.75% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $8,055 | 4.75% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,815 | 5.50% |
| Wooster, OH (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,829 | 4.00% |
| HATTIESBURG, MS (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $8,252 | 5.50% |
| Fernley, NV (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $6,028 | 3.88% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $20,275 | 5.00% |
| Bogalusa, LA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,898 | 4.31% |
| Albert Lea, MN (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,683 | 3.63% |
| Waycross, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,960 | 4.75% |
| Hilo, HI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,895 | 3.63% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,338 | 4.50% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,548 | 4.13% |
| Ruston, LA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,454 | 5.75% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,472 | 3.88% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,218 | 3.63% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,832 | 4.81% |
| Paris, TN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,993 | 4.50% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,856 | 3.38% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,596 | 4.63% |
| Selma, AL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,045 | 4.00% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 4.38% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,935 | 3.38% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $3,391 | 4.12% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,358 | 4.88% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $17,088 | 3.75% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,017 | 5.00% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,996 | 5.31% |
| Clovis, NM (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,313 | 4.75% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,131 | 4.25% |
| FLINT, MI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,097 | 3.38% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,085 | 3.63% |
| REDDING, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,290 | 4.38% |
| Shelby, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,210 | 4.75% |
| Muskogee, OK (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $7,062 | 4.63% |
| NILES, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,452 | 3.38% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,480 | 4.69% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,330 | 4.50% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,942 | 3.63% |
| WACO, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,376 | 4.00% |
| Brenham, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,073 | 3.88% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,578 | 4.00% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,608 | 3.63% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,524 | 3.63% |
| Farmington, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,302 | 4.75% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $12,787 | 5.00% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,630 | 3.50% |
| Palatka, FL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,447 | 4.69% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,735 | 4.88% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,964 | 4.88% |
| Elko, NV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,791 | 4.50% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,801 | 3.63% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,423 | 4.88% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $13,296 | 4.13% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,122 | 4.00% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,705 | 4.00% |
| Sidney, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,318 | 4.25% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,706 | 3.00% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $11,776 | 4.00% |
| Craig, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $11,416 | 4.13% |
| Coshocton, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,029 | 3.88% |
| Brevard, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,375 | 5.25% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,500 | 3.50% |
| Marietta, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,333 | 4.13% |
| ERIE, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $12,836 | 5.25% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $11,938 | 5.75% |
| Centralia, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,678 | 4.50% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,903 | 3.50% |
| Mason City, IA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,512 | 4.00% |
| Auburn, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,912 | 3.25% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,688 | 5.63% |
| DALTON, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,925 | 4.25% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,083 | 3.75% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,292 | 4.13% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,476 | 4.88% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,384 | 4.00% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,834 | 5.25% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,774 | 3.63% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,444 | 3.50% |
| El Campo, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,430 | 4.63% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,188 | 3.75% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,925 | 5.75% |
| Garden City, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,170 | 5.25% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,443 | 3.13% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,982 | 4.00% |
| Murray, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,462 | 5.25% |
| TULSA, OK (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $5,469 | 4.31% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,515 | 3.75% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,171 | 4.13% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,946 | 3.13% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,745 | 3.99% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,759 | 4.00% |
| Rockport, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,431 | 5.75% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,571 | 3.75% |
| Great Bend, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,818 | 3.38% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,035 | 5.25% |
| Fort Polk South, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,959 | 4.88% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,266 | 3.88% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,072 | 5.00% |
| West Plains, MO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,097 | 3.38% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,889 | 4.38% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,871 | 4.50% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,623 | 5.63% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,487 | 4.75% |
| Dickinson, ND (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,495 | 3.88% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,834 | 5.13% |
| DeRidder, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,775 | 4.13% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,542 | 3.25% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,394 | 4.50% |
| Scottsbluff, NE (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,767 | 4.13% |
| Bay City, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,090 | 4.38% |
| Defiance, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,465 | 5.25% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,107 | 4.38% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,652 | 4.13% |
| Portales, NM (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,808 | 6.13% |
| MONROE, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,441 | 5.25% |
| Altus, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,761 | 4.25% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,631 | 3.50% |
| Hereford, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,886 | 4.13% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,990 | 5.63% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,689 | 3.63% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,426 | 3.88% |
| Jackson, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,871 | 4.88% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,369 | 3.50% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,769 | 5.25% |
| Carroll, IA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,386 | 4.75% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,808 | 3.38% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,968 | 5.25% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,468 | 4.75% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,642 | 4.38% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,933 | 3.88% |
| Adrian, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,086 | 4.13% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,348 | 3.75% |
| New Castle, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,203 | 4.88% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,849 | 3.63% |
| Hillsdale, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,222 | 4.25% |
| ROME, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,836 | 5.75% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,220 | 5.50% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,507 | 4.13% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,071 | 4.13% |
| Greenville, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,154 | 4.38% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,286 | 3.63% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,654 | 5.25% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,949 | 5.50% |
| Woodward, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,301 | 3.13% |
| Marshall, MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,890 | 4.88% |
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Product Mix
For 2019, Goldwater Bank N.a.'s most frequently originated type of loan was Conventional, with 2,841 originations. Their 2nd most popular type was FHA, with 1,263 originations.
Loan Reason
For 2019, Goldwater Bank N.a.'s most frequently cited loan purpose was Home Purchase, with 3,519 originations. The 2nd most popular reason was Refi, with 970 originations.
Loan Duration/Length
For 2019, Goldwater Bank N.a.'s most frequently cited loan duration was 30 Year, with 4,930 originations. The 2nd most popular length was 15 Year, with 213 originations.
Origination Fees/Closing Costs
Goldwater Bank N.a.'s average total fees were $6,736, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,059 originations.
Interest Rates
During 2019, Goldwater Bank N.a.'s average interest rate for loans was 4.39%, while their most frequently originated rate bucket for loans was 4-5%, with 2,579 originations.
Loan Sizing
2019 saw Goldwater Bank N.a. place emphasis on $200k-400k loans with 2,447 originations, totaling $680,295,000 in origination value.
Applicant Income
Goldwater Bank N.a. lent most frequently to those with incomes in the $50k-75k range, with 1,332 originations. The second most popular income band? $50k or less, with 1,186 originations.
Applicant Debt to Income Ratio
Goldwater Bank N.a. lent most frequently to those with DTI ratios of 30-36%, with 829 originations. The next most common DTI ratio? 20-30%, with 779 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.46%
Goldwater Bank N.a. has an average approval rate.
Pick Rate
Approvals leading to origination55.47%
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 | 5,311 | $1,308,875,000 | $246,446 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 77 | $11,205,000 | $145,519 |
| Single Family (1-4 Units):Site-Built | 5,234 | $1,297,670,000 | $247,931 |
LTV Distribution
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Goldwater Bank, N.A. | 2525 E Camelback Road, Suite 1100 Phoenix, AZ 85016 | Full Service B&M | $145,250 |
For 2019, Goldwater Bank N.a. had 1 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $7,119 |
| Net interest income | $4,486 |
| Total noninterest income | $63,553 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $112 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $63,441 |
| Pre-tax net operating income | $7,980 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $8,835 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $8,835 |
| Minority interest net income | $-3 |
| Net income | $8,838 |
| Sale, conversion, retirement of capital stock, net | $1 |
| Net operating income | $8,835 |
Goldwater Bank N.a.'s gross interest income from loans was $7,119,000.
Goldwater Bank N.a.'s net interest income from loans was $4,486,000.
Goldwater Bank N.a.'s fee based income from loans was $112,000.
Goldwater Bank N.a.'s net income from loans was $8,838,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $2,633 |
| Provision for credit losses | $30 |
| Total noninterest expense | $60,029 |
| Salaries and employee benefits | $43,471 |
| Premises and equipment expense | $3,198 |
| Additional noninterest expense | $13,360 |
| Applicable income taxes | $-855 |
| Net charge-offs | $-60 |
| Cash dividends | $223 |
Goldwater Bank N.a.'s interest expense for loans was $2,633,000.
Goldwater Bank N.a.'s payroll and benefits expense were $43,471,000.
Goldwater Bank N.a.'s property, plant and equipment expenses $3,198,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| 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 | 1.0% |
| HELOC loans | 0.0% |
| All other family | 1.0% |
| Commercial & industrial loans | 12.0% |
| Personal loans | 15.0% |
| Credit card loans | 0.0% |
| Other individual loans | 15.0% |
| Auto loans | 14.0% |
| Other consumer loans | 37.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $149,817 |
| Deposits held in domestic offices | $149,817 |
| Deposits by Individuals, partnerships, and corporations | $119,480 |
| 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. | $30,336 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $25,966 |
| Demand deposits | $24,449 |
| Nontransaction accounts | $123,850 |
| Money market deposit accounts (MMDAs) | $5,369 |
| Other savings deposits (excluding MMDAs) | $7,335 |
| Total time deposits | $111,146 |
| Total time and savings deposits | $125,367 |
| Noninterest-bearing deposits | $25,449 |
| Interest-bearing deposits | $124,368 |
| Retail deposits | $124,151 |
| IRAs and Keogh plan accounts | $0 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $187,526 |
| Cash & Balances due from depository institutions | $10,447 |
| Interest-bearing balances | $4,601 |
| Total securities | $3,911 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $161,044 |
| Loan and leases loss allowance | $448 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $893 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $699 |
| All other assets | $10,532 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $187,526 |
| Total Liabilities | $166,889 |
| Total deposits | $149,817 |
| Interest-bearing deposits | $124,368 |
| Deposits held in domestic offices | $149,817 |
| % insured (estimated) | $80 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $11,000 |
| Subordinated debt | $0 |
| All other liabilities | $6,072 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $161,044 |
| Loan and leases loss allowance | $448 |
| Total loans and leases (domestic) | $161,492 |
| All real estate loans | $157,012 |
| Real estate loans in domestic offices | $157,012 |
| Construction and development loans | $17,881 |
| Residential 1-4 family construction | $17,521 |
| Other construction, all land development and other land | $360 |
| Loans secured by nonfarm nonresidential properties | $11,340 |
| Nonfarm nonresidential secured by owner-occupied properties | $8,416 |
| Commercial real estate & other non-farm, non-residential | $2,924 |
| Multifamily residential real estate | $0 |
| 1-4 family residential loans | $126,765 |
| Farmland loans | $1,026 |
| Loans held in foreign offices | $0 |
| Farm loans | $183 |
| Commercial and industrial loans | $3,882 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $417 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $409 |
| Other loans to individuals | $8 |
| All other loans & leases | $0 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $0 |
| Loans to depository institutions and acceptances of other banks | $0 |
| 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 $161,044,000 of loans outstanding in 2019. $157,012,000 of loans were in real estate loans. $17,881,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $126,765,000 of loans were in 1-4 family mortgage loans. $183,000 of loans were in farm loans. $0 of loans were in credit card loans. $409,000 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 | 23 | $9,896 | $430,261 |
| Nonfarm, nonresidential loans - $250k-1MM | 23 | $9,896 | $430,261 |
| Commercial & Industrial, US addressed loans - <$1MM | 7 | $2,251 | $321,571 |
| Commercial & Industrial, US addressed loans - <$100k | 1 | $18 | $18,000 |
| Commercial & Industrial, US addressed loans - $100-250k | 2 | $240 | $120,000 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 4 | $1,993 | $498,250 |
| Farmland loans - <$1MM | 1 | $451 | $451,000 |
| Farmland loans - $250k-1MM | 1 | $451 | $451,000 |
| Agriculture operations loans - <$1MM | 1 | $178 | $178,000 |
| Agriculture operations loans - $250k-1MM | 1 | $178 | $178,000 |