Goldwater Bank N.a. Mortgage Rates, Fees & Info

Phoenix, AZ

LEI: 549300X08QKYUH256I80

Tax ID: 20-8594440

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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, 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.

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% 3/28/24
30 Year Conventional Refi 6.55% 3/28/24
30 Year Cash-out Refi 6.83% 3/28/24
30 Year FHA Purchase 7.58% 3/28/24
30 Year FHA Refi 7.19% 3/28/24
30 Year VA Purchase 6.68% 3/28/24
30 Year VA Refi 6.48% 3/28/24
30 Year USDA Purchase 7.00% 3/28/24
30 Year USDA Refi 6.27% 3/28/24
15 Year Conventional Purchase 6.48% 3/28/24
15 Year Conventional Refi 6.10% 3/28/24
15 Year Cash-out Refi 6.10% 3/28/24
15 Year FHA Refi 5.68% 3/28/24
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






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

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

5,311

Origination Dollar Volume (All Markets)

$1,308,875,000

Employee count

317

Awards

Goldwater Bank N.A. FHA Loans gold Goldwater Bank N.A. VA Loans silver
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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%
EspaƱola, 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%
Goldwater Bank N.a.'s top markets include Minneapolis, Houston, Atlanta, Seattle, and Dallas among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Louisiana (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,841 $702,515,000 $247,277 $5,294 4.43%
    FHA 1,263 $259,165,000 $205,198 $8,668 4.59%
    VA 1,072 $323,860,000 $302,108 $7,938 4.03%
    USDA 134 $23,080,000 $172,239 $5,928 4.27%
    Reverse Mortgage 1 $255,000 $255,000 $0 4.88%

    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,519 $806,045,000 $229,055 $6,730 4.52%
    Refi 970 $281,360,000 $290,062 $4,865 3.85%
    Cash Out Refi 822 $221,470,000 $269,428 $8,438 4.43%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,930 $1,225,770,000 $248,635 $6,736 4.39%
    15 Year 213 $44,515,000 $208,991 $5,019 3.72%
    30+ year 73 $20,655,000 $282,945 $9,780 5.96%
    20 Year 54 $14,020,000 $259,630 $5,650 3.92%
    10 Year 28 $650,000 $23,214 $840 4.58%
    Other 13 $3,265,000 $251,154 $6,497 4.40%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,059 $491,025,000 $238,477
    $2k-3k 1,033 $209,975,000 $203,267
    $3k-4k 738 $167,360,000 $226,775
    $5k+ 579 $220,625,000 $381,045
    $<1k 481 $104,545,000 $217,349
    $4k-5k 420 $115,090,000 $274,024

    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

    Loan Rate Originations Total Value Average Loan
    4-5% 2,579 $626,955,000 $243,100
    3-4% 1,880 $507,640,000 $270,021
    5-6% 731 $147,075,000 $201,197
    6-7% 75 $14,705,000 $196,067
    2.5-3% 22 $8,270,000 $375,909
    7-8% 19 $4,155,000 $218,684
    <2.5% 5 $75,000 $15,000

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,447 $680,295,000 $278,012 $7,183 4.29%
    $100k-200k 1,834 $280,710,000 $153,059 $5,473 4.47%
    $400k-600k 529 $246,025,000 $465,076 $9,084 4.21%
    $100,000 or less 405 $28,225,000 $69,691 $4,038 4.85%
    $600k-1MM 87 $61,815,000 $710,517 $13,843 4.21%
    $1MM+ 9 $11,805,000 $1,311,667 $11,745 4.46%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,332 $262,730,000 $197,245 $6,565 4.46%
    $50k or less 1,186 $233,240,000 $196,661 $5,069 4.17%
    $100k-150k 1,092 $314,620,000 $288,114 $7,412 4.39%
    $75k-100k 957 $229,545,000 $239,859 $7,141 4.46%
    $150k-250k 585 $200,085,000 $342,026 $7,723 4.48%
    $250k+ 158 $68,390,000 $432,848 $7,325 4.47%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 829 $198,485,000 $239,427 $6,470 4.40%
    20-30% 779 $180,045,000 $231,123 $6,005 4.41%
    50-60% 437 $111,945,000 $256,167 $9,709 4.50%
    44% 253 $61,705,000 $243,893 $6,973 4.56%
    40% 232 $55,820,000 $240,603 $6,568 4.44%
    43% 225 $54,805,000 $243,578 $6,935 4.46%
    42% 223 $53,855,000 $241,502 $6,518 4.50%
    41% 201 $50,255,000 $250,025 $6,682 4.48%
    38% 198 $47,590,000 $240,354 $6,758 4.51%
    49% 194 $50,590,000 $260,773 $7,332 4.49%
    37% 180 $43,900,000 $243,889 $6,741 4.42%
    39% 177 $41,665,000 $235,395 $6,519 4.55%
    36% 173 $41,845,000 $241,879 $6,254 4.49%
    <20% 172 $37,060,000 $215,465 $5,099 4.19%
    47% 168 $40,680,000 $242,143 $6,535 4.48%
    45% 159 $38,995,000 $245,252 $7,329 4.56%
    48% 149 $37,285,000 $250,235 $7,977 4.45%
    46% 130 $33,700,000 $259,231 $7,726 4.55%
    >60% 11 $2,815,000 $255,909 $10,567 4.48%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,193 $1,026,195,000 $244,740 $6,496 4.37%
    Not provided 547 $138,305,000 $252,843 $7,240 4.42%
    Black 383 $91,515,000 $238,943 $7,228 4.41%
    Asian 148 $41,810,000 $282,500 $7,074 4.44%
    American Indian 30 $7,660,000 $255,333 $8,364 4.58%
    Native Hawaiian or Islander 8 $2,630,000 $328,750 $8,691 4.55%
    Asian Indian 1 $445,000 $445,000 $11,718 4.13%
    Other Asian 1 $315,000 $315,000 $5,327 4.50%

    Approval Rates

    Total approvals of all applications
    93.46%

    Goldwater Bank N.a. has an average approval rate.

    Pick Rate

    Approvals leading to origination
    55.47%

    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

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 63 $10,415,000 $165,317 $3,998 4.07%
    40-60% 215 $46,515,000 $216,349 $5,154 4.13%
    60-80% 1,175 $290,685,000 $247,391 $5,549 4.46%
    80-100% 3,585 $891,975,000 $248,808 $7,051 4.40%
    Over 100% 233 $68,225,000 $292,811 $9,094 4.02%
    Under 20% 39 $795,000 $20,385 $862 4.35%

    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