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, Atlanta, Houston, New Orleans, and Dallas among others. We have data for 421 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
9,107Origination Dollar Volume (All Markets)
$2,390,965,000Employee count
439Awards
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Goldwater Bank N.A. - 2020
Goldwater Bank N.A. is a 2020 , due to their low .
For 2020, 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) | 1,351 | $371,075,000 | $274,667 | $5,025 | 3.05% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 818 | $201,750,000 | $246,638 | $4,434 | 3.21% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 673 | $186,085,000 | $276,501 | $6,458 | 3.19% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 681 | $172,345,000 | $253,076 | $4,795 | 3.09% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 462 | $138,330,000 | $299,416 | $6,285 | 3.15% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 290 | $108,460,000 | $374,000 | $6,276 | 3.14% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 378 | $69,410,000 | $183,624 | $5,621 | 3.31% |
| Outside of Metro Areas | 285 | $59,555,000 | $208,965 | $5,555 | 3.22% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 253 | $53,445,000 | $211,245 | $4,675 | 3.14% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 106 | $42,330,000 | $399,340 | $8,356 | 2.96% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 133 | $39,675,000 | $298,308 | $5,683 | 2.95% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 143 | $38,845,000 | $271,643 | $4,520 | 3.17% |
| OCALA, FL (FHA|USDA|VA) | 167 | $31,285,000 | $187,335 | $6,719 | 3.42% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 155 | $31,175,000 | $201,129 | $6,756 | 3.10% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 87 | $27,135,000 | $311,897 | $4,047 | 3.21% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 38 | $26,900,000 | $707,895 | $11,415 | 3.50% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 89 | $26,295,000 | $295,449 | $6,980 | 3.19% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 79 | $22,125,000 | $280,063 | $6,115 | 3.02% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 84 | $21,250,000 | $252,976 | $7,466 | 4.13% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 47 | $21,245,000 | $452,021 | $7,008 | 3.14% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 91 | $19,455,000 | $213,791 | $4,890 | 3.19% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 39 | $19,095,000 | $489,615 | $6,632 | 3.18% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 42 | $17,020,000 | $405,238 | $10,023 | 2.92% |
| Mount Pleasant, TX (FHA|USDA|VA) | 79 | $16,975,000 | $214,873 | $7,195 | 3.11% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 84 | $16,870,000 | $200,833 | $6,134 | 3.29% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 74 | $16,460,000 | $222,432 | $5,211 | 3.02% |
| GADSDEN, AL (FHA|USDA|VA) | 74 | $13,710,000 | $185,270 | $4,614 | 3.15% |
| ST. GEORGE, UT (FHA|USDA|VA) | 36 | $12,560,000 | $348,889 | $5,061 | 3.14% |
| Corsicana, TX (FHA|USDA|VA) | 56 | $11,210,000 | $200,179 | $5,803 | 3.38% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 47 | $11,045,000 | $235,000 | $3,779 | 3.23% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 33 | $10,975,000 | $332,576 | $5,094 | 2.98% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 49 | $10,425,000 | $212,755 | $4,821 | 3.22% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 33 | $10,375,000 | $314,394 | $7,294 | 2.88% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 57 | $10,225,000 | $179,386 | $6,308 | 3.42% |
| AKRON, OH (FHA|USDA|VA) | 45 | $9,265,000 | $205,889 | $6,272 | 3.23% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 27 | $9,005,000 | $333,519 | $7,559 | 3.11% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 22 | $8,940,000 | $406,364 | $9,051 | 3.05% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 33 | $8,765,000 | $265,606 | $7,315 | 3.16% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 21 | $8,205,000 | $390,714 | $7,547 | 2.99% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 24 | $7,710,000 | $321,250 | $6,144 | 3.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 24 | $7,400,000 | $308,333 | $6,067 | 3.09% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 40 | $7,270,000 | $181,750 | $5,969 | 2.88% |
| HAMMOND, LA (FHA|USDA|VA) | 41 | $7,235,000 | $176,463 | $4,804 | 3.17% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 25 | $7,225,000 | $289,000 | $4,299 | 3.09% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 21 | $6,715,000 | $319,762 | $6,614 | 3.11% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 20 | $6,710,000 | $335,500 | $7,454 | 2.99% |
| LONGVIEW, TX (FHA|USDA|VA) | 35 | $6,685,000 | $191,000 | $6,307 | 3.42% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 34 | $6,350,000 | $186,765 | $4,557 | 3.32% |
| BATON ROUGE, LA (FHA|USDA|VA) | 27 | $6,325,000 | $234,259 | $4,083 | 2.97% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 24 | $6,210,000 | $258,750 | $4,393 | 3.18% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 24 | $6,080,000 | $253,333 | $5,064 | 3.43% |
| Coos Bay, OR (FHA|USDA|VA) | 26 | $5,820,000 | $223,846 | $5,179 | 3.20% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 20 | $5,810,000 | $290,500 | $5,154 | 3.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 9 | $5,675,000 | $630,556 | $17,171 | 3.08% |
| Brainerd, MN (FHA|USDA|VA) | 21 | $5,645,000 | $268,810 | $4,320 | 2.96% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 20 | $5,460,000 | $273,000 | $8,087 | 3.08% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 21 | $5,375,000 | $255,952 | $4,153 | 3.14% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 25 | $4,935,000 | $197,400 | $4,008 | 2.98% |
| PROVO-OREM, UT (FHA|USDA|VA) | 12 | $4,620,000 | $385,000 | $7,084 | 2.98% |
| Picayune, MS (FHA|USDA|VA) | 23 | $4,465,000 | $194,130 | $4,994 | 3.08% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 14 | $4,230,000 | $302,143 | $5,381 | 3.12% |
| VICTORIA, TX (FHA|USDA|VA) | 25 | $4,215,000 | $168,600 | $6,383 | 3.62% |
| KNOXVILLE, TN (FHA|USDA|VA) | 13 | $4,155,000 | $319,615 | $5,941 | 3.09% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 14 | $4,140,000 | $295,714 | $7,213 | 3.07% |
| PITTSBURGH, PA (FHA|USDA|VA) | 16 | $3,970,000 | $248,125 | $6,427 | 3.18% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 17 | $3,945,000 | $232,059 | $7,354 | 3.27% |
| TUCSON, AZ (FHA|USDA|VA) | 13 | $3,845,000 | $295,769 | $6,986 | 3.28% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 19 | $3,805,000 | $200,263 | $3,360 | 3.14% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 15 | $3,765,000 | $251,000 | $7,475 | 3.15% |
| Alexander City, AL (FHA|USDA|VA) | 9 | $3,755,000 | $417,222 | $5,076 | 3.40% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 13 | $3,745,000 | $288,077 | $4,666 | 3.11% |
| Aberdeen, SD (FHA|USDA|VA) | 20 | $3,680,000 | $184,000 | $6,189 | 3.05% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 13 | $3,665,000 | $281,923 | $4,809 | 3.04% |
| Minden, LA (FHA|USDA|VA) | 26 | $3,630,000 | $139,615 | $4,621 | 3.42% |
| VALLEJO, CA (FHA|USDA|VA) | 10 | $3,610,000 | $361,000 | $8,378 | 3.26% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 17 | $3,575,000 | $210,294 | $4,045 | 3.02% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 9 | $3,525,000 | $391,667 | $6,559 | 3.13% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 9 | $3,505,000 | $389,444 | $3,988 | 2.94% |
| EL PASO, TX (FHA|USDA|VA) | 12 | $3,310,000 | $275,833 | $4,772 | 3.29% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 11 | $3,265,000 | $296,818 | $7,547 | 3.14% |
| ST. CLOUD, MN (FHA|USDA|VA) | 16 | $3,160,000 | $197,500 | $4,613 | 3.05% |
| GREELEY, CO (FHA|USDA|VA) | 8 | $3,100,000 | $387,500 | $4,850 | 3.31% |
| FORT COLLINS, CO (FHA|USDA|VA) | 10 | $3,070,000 | $307,000 | $5,279 | 3.29% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 10 | $3,050,000 | $305,000 | $5,958 | 2.96% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 14 | $3,040,000 | $217,143 | $4,387 | 3.22% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 11 | $2,985,000 | $271,364 | $4,407 | 2.77% |
| MONTGOMERY, AL (FHA|USDA|VA) | 14 | $2,960,000 | $211,429 | $5,311 | 3.22% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 10 | $2,950,000 | $295,000 | $7,189 | 3.11% |
| Bogalusa, LA (FHA|USDA|VA) | 18 | $2,880,000 | $160,000 | $4,096 | 2.99% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 8 | $2,840,000 | $355,000 | $5,545 | 2.97% |
| BOULDER, CO (FHA|USDA|VA) | 9 | $2,795,000 | $310,556 | $2,775 | 2.86% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 8 | $2,750,000 | $343,750 | $5,729 | 3.22% |
| COLUMBUS, OH (FHA|USDA|VA) | 11 | $2,575,000 | $234,091 | $4,703 | 3.20% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 8 | $2,480,000 | $310,000 | $7,527 | 3.11% |
| Outside of Metro Areas | 5 | $2,435,000 | $487,000 | $14,174 | 2.88% |
| GAINESVILLE, GA (FHA|USDA|VA) | 9 | $2,355,000 | $261,667 | $5,624 | 2.96% |
| DULUTH, MN-WI (FHA|USDA|VA) | 12 | $2,310,000 | $192,500 | $3,903 | 2.93% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 8 | $2,290,000 | $286,250 | $5,136 | 3.03% |
| Athens, TX (FHA|USDA|VA) | 10 | $2,290,000 | $229,000 | $7,210 | 3.20% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 6 | $2,250,000 | $375,000 | $11,165 | 3.27% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 9 | $2,245,000 | $249,444 | $4,606 | 2.97% |
| TYLER, TX (FHA|USDA|VA) | 7 | $2,225,000 | $317,857 | $6,222 | 3.00% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 8 | $2,120,000 | $265,000 | $5,664 | 3.33% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 7 | $2,105,000 | $300,714 | $7,299 | 3.04% |
| Huntsville, TX (FHA|USDA|VA) | 7 | $2,105,000 | $300,714 | $4,917 | 3.73% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 5 | $2,045,000 | $409,000 | $10,482 | 3.08% |
| BOISE CITY, ID (FHA|USDA|VA) | 7 | $2,035,000 | $290,714 | $6,827 | 3.36% |
| Rio Grande City-Roma, TX (FHA|USDA|VA) | 13 | $2,035,000 | $156,538 | $6,218 | 2.98% |
| ASHEVILLE, NC (FHA|USDA|VA) | 8 | $2,030,000 | $253,750 | $3,676 | 2.97% |
| RENO, NV (FHA|USDA|VA) | 7 | $2,005,000 | $286,429 | $5,991 | 3.32% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 3 | $1,925,000 | $641,667 | $8,639 | 4.04% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 8 | $1,890,000 | $236,250 | $7,116 | 3.41% |
| MONROE, LA (FHA|USDA|VA) | 7 | $1,885,000 | $269,286 | $6,920 | 3.45% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 9 | $1,875,000 | $208,333 | $5,109 | 2.86% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 7 | $1,855,000 | $265,000 | $4,609 | 2.96% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 7 | $1,855,000 | $265,000 | $5,329 | 3.25% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 4 | $1,850,000 | $462,500 | $7,823 | 2.69% |
| Clewiston, FL (FHA|USDA|VA) | 9 | $1,845,000 | $205,000 | $7,286 | 5.19% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 9 | $1,795,000 | $199,444 | $4,981 | 3.19% |
| TULSA, OK (FHA|USDA|VA) | 4 | $1,790,000 | $447,500 | $7,278 | 3.50% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 10 | $1,780,000 | $178,000 | $6,045 | 3.20% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 3 | $1,745,000 | $581,667 | $8,004 | 2.92% |
| LAWTON, OK (FHA|USDA|VA) | 7 | $1,735,000 | $247,857 | $5,189 | 3.34% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 8 | $1,720,000 | $215,000 | $5,705 | 2.53% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 6 | $1,710,000 | $285,000 | $5,393 | 2.81% |
| SANTA FE, NM (FHA|USDA|VA) | 6 | $1,700,000 | $283,333 | $4,421 | 2.96% |
| Port Lavaca, TX (FHA|USDA|VA) | 9 | $1,685,000 | $187,222 | $7,375 | 3.24% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 6 | $1,670,000 | $278,333 | $5,777 | 2.94% |
| AMARILLO, TX (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $8,557 | 3.33% |
| LOUISVILLE, KY (FHA|USDA|VA) | 6 | $1,610,000 | $268,333 | $7,944 | 3.75% |
| LAS CRUCES, NM (FHA|USDA|VA) | 5 | $1,575,000 | $315,000 | $4,099 | 3.18% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 5 | $1,575,000 | $315,000 | $5,132 | 3.13% |
| Fredericksburg, TX (FHA|USDA|VA) | 3 | $1,565,000 | $521,667 | $7,916 | 2.96% |
| Fort Payne, AL (FHA|USDA|VA) | 12 | $1,530,000 | $127,500 | $4,586 | 3.02% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 7 | $1,525,000 | $217,857 | $3,512 | 3.30% |
| LAFAYETTE, LA (FHA|USDA|VA) | 9 | $1,525,000 | $169,444 | $4,516 | 3.08% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 4 | $1,520,000 | $380,000 | $7,860 | 3.19% |
| THE VILLAGES, FL (FHA|USDA|VA) | 5 | $1,495,000 | $299,000 | $6,315 | 3.23% |
| SAVANNAH, GA (FHA|USDA|VA) | 6 | $1,480,000 | $246,667 | $5,751 | 3.23% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $5,207 | 3.15% |
| NAPA, CA (FHA|USDA|VA) | 3 | $1,445,000 | $481,667 | $8,522 | 2.75% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 5 | $1,405,000 | $281,000 | $6,668 | 2.98% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $5,900 | 3.19% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 5 | $1,365,000 | $273,000 | $8,760 | 3.15% |
| TOLEDO, OH (FHA|USDA|VA) | 6 | $1,360,000 | $226,667 | $5,781 | 3.21% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 3 | $1,345,000 | $448,333 | $5,776 | 3.17% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 3 | $1,335,000 | $445,000 | $4,754 | 2.96% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $4,158 | 2.91% |
| Brenham, TX (FHA|USDA|VA) | 6 | $1,300,000 | $216,667 | $5,964 | 3.25% |
| DECATUR, AL (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $7,447 | 2.83% |
| RACINE, WI (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $4,759 | 3.15% |
| MANKATO, MN (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $4,796 | 3.30% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $1,270,000 | $635,000 | $10,605 | 3.50% |
| ROCHESTER, MN (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $5,556 | 3.00% |
| MIDLAND, TX (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $4,210 | 2.66% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $5,552 | 4.47% |
| Albertville, AL (FHA|USDA|VA) | 8 | $1,170,000 | $146,250 | $4,938 | 3.31% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $4,795 | 2.83% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $5,101 | 2.88% |
| Jefferson, GA (FHA|USDA|VA) | 6 | $1,110,000 | $185,000 | $4,143 | 3.75% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $9,328 | 3.19% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $8,517 | 2.97% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $7,051 | 2.88% |
| ANCHORAGE, AK (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $5,583 | 2.81% |
| MADISON, WI (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $8,908 | 2.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $5,402 | 3.41% |
| HATTIESBURG, MS (FHA|USDA|VA) | 5 | $1,055,000 | $211,000 | $3,683 | 2.85% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $4,768 | 3.67% |
| Sulphur Springs, TX (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $8,777 | 3.29% |
| Alamogordo, NM (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $3,969 | 2.96% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $8,624 | 2.48% |
| GREEN BAY, WI (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $3,767 | 3.18% |
| Bozeman, MT (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $4,299 | 2.84% |
| Grand Rapids, MN (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $4,855 | 3.05% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $4,581 | 2.93% |
| Jennings, LA (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $8,123 | 3.00% |
| Bay City, TX (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $4,985 | 3.25% |
| Payson, AZ (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $6,656 | 3.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $4,890 | 2.78% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $5,435 | 3.63% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $4,301 | 3.09% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $9,455 | 2.88% |
| Granbury, TX (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $5,429 | 4.09% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $7,407 | 2.91% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $5,308 | 2.98% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $10,040 | 3.41% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $4,389 | 2.75% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $5,907 | 3.25% |
| Red Wing, MN (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $6,910 | 3.06% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $8,155 | 3.41% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $5,227 | 2.81% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $13,036 | 2.94% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $7,693 | 2.83% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $5,551 | 3.06% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $6,291 | 3.42% |
| Brookings, OR (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $4,523 | 3.19% |
| Russellville, AR (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $12,531 | 2.71% |
| Taos, NM (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $3,231 | 2.69% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $4,954 | 3.42% |
| MISSOULA, MT (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $4,371 | 3.17% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $14,057 | 2.88% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $5,823 | 2.63% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $4,373 | 2.81% |
| Ashtabula, OH (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $5,758 | 3.06% |
| MOBILE, AL (FHA|USDA|VA) | 5 | $695,000 | $139,000 | $4,669 | 3.55% |
| Cullman, AL (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $3,878 | 2.75% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $5,199 | 2.88% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $4,240 | 2.96% |
| COLUMBUS, IN (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $2,842 | 3.31% |
| Georgetown, SC (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $6,074 | 3.00% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $4,678 | 2.63% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $5,736 | 3.42% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $6,240 | 3.50% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $10,987 | 2.88% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $3,393 | 3.38% |
| WICHITA, KS (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $3,817 | 3.00% |
| Bonham, TX (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $5,508 | 3.31% |
| MANSFIELD, OH (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $9,683 | 3.17% |
| Fernley, NV (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $7,678 | 3.00% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $4,410 | 3.53% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $4,936 | 3.13% |
| Lufkin, TX (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $4,581 | 3.06% |
| Durango, CO (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,201 | 2.75% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $7,463 | 2.44% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $8,357 | 2.56% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,312 | 3.19% |
| Los Alamos, NM (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,522 | 2.75% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $13,305 | 2.88% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $4,534 | 2.88% |
| Stephenville, TX (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,549 | 2.81% |
| Bemidji, MN (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,567 | 3.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,297 | 2.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $4,954 | 3.04% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,354 | 2.94% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,295 | 3.06% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,221 | 3.13% |
| Gainesville, TX (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $4,250 | 3.29% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $11,912 | 2.50% |
| REDDING, CA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,824 | 2.81% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $5,046 | 2.88% |
| LAREDO, TX (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $5,734 | 2.75% |
| MADERA, CA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,981 | 3.38% |
| ENID, OK (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $6,551 | 3.42% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $19,966 | 3.38% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $8,993 | 3.06% |
| MORRISTOWN, TN (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $8,389 | 3.19% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,789 | 2.88% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,700 | 3.94% |
| Seneca, SC (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,728 | 3.44% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $29,709 | 2.75% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $7,694 | 3.63% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $5,938 | 2.88% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,632 | 2.75% |
| CHEYENNE, WY (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,589 | 2.94% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,836 | 2.63% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $5,400 | 2.88% |
| Laramie, WY (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $9,503 | 2.75% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,523 | 2.81% |
| Roseburg, OR (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,380 | 2.81% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,800 | 2.88% |
| Branson, MO (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,969 | 3.69% |
| Moultrie, GA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,378 | 2.75% |
| Natchitoches, LA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,198 | 3.44% |
| Platteville, WI (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,467 | 3.13% |
| Paris, TX (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $8,017 | 3.04% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,679 | 2.63% |
| Helena, MT (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,372 | 2.63% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,111 | 2.88% |
| Forest City, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,047 | 2.75% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,733 | 3.38% |
| Rockport, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $11,622 | 2.63% |
| Sandusky, OH (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,583 | 3.06% |
| VALDOSTA, GA (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $4,065 | 3.75% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $5,342 | 3.29% |
| GOLDSBORO, NC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,039 | 2.75% |
| Willmar, MN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,800 | 3.06% |
| Owatonna, MN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,886 | 3.44% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $8,290 | 3.13% |
| Greenwood, SC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,155 | 2.25% |
| DeRidder, LA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,554 | 3.81% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,026 | 2.38% |
| Hilo, HI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $7,544 | 2.38% |
| CHARLESTON, WV (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,617 | 3.25% |
| Thomasville, GA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,701 | 3.13% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,442 | 3.38% |
| Concord, NH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,581 | 2.88% |
| Paris, TN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,875 | 3.50% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,902 | 2.50% |
| Defiance, OH (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,293 | 3.06% |
| FAIRBANKS, AK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,658 | 3.63% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,682 | 2.38% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,947 | 3.50% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,738 | 3.25% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,407 | 3.13% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,299 | 2.88% |
| Clovis, NM (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,991 | 3.13% |
| Crossville, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,469 | 3.13% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,799 | 3.00% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,399 | 2.75% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,182 | 3.13% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,570 | 2.75% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,230 | 3.06% |
| Laconia, NH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,983 | 2.50% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,443 | 2.88% |
| Brevard, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,805 | 3.25% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,815 | 3.25% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,109 | 3.13% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,745 | 2.38% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,563 | 2.75% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,535 | 2.50% |
| Ruston, LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,103 | 2.50% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,615 | 3.50% |
| North Platte, NE (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $10,185 | 2.88% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,998 | 2.88% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,577 | 3.00% |
| CHICO, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,427 | 2.38% |
| Farmington, MO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $13,260 | 3.13% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,235 | 3.50% |
| Palatka, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 4.75% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,414 | 2.50% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $5,430 | 3.44% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,166 | 2.88% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,122 | 3.25% |
| Dodge City, KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,126 | 3.13% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,086 | 3.13% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,930 | 2.88% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,317 | 2.88% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,517 | 3.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,825 | 3.25% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,180 | 3.00% |
| WACO, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,230 | 2.38% |
| Vicksburg, MS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,064 | 2.63% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,557 | 3.50% |
| La Grande, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,580 | 2.50% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,466 | 3.00% |
| Raymondville, TX (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,950 | 2.75% |
| Centralia, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,636 | 3.38% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,374 | 3.38% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,437 | 2.75% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $6,026 | 3.94% |
| BEND, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,500 | 3.50% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,550 | 3.13% |
| Fort Polk South, LA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,612 | 2.44% |
| Newport, TN (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,481 | 3.06% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,708 | 2.88% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,783 | 3.50% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,788 | 3.00% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,538 | 4.63% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $13,626 | 2.88% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,034 | 2.88% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,282 | 2.88% |
| Jasper, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,378 | 2.75% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,495 | 2.38% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,394 | 3.13% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,255 | 3.13% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,327 | 3.88% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,036 | 2.63% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,832 | 3.38% |
| Astoria, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,901 | 3.38% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,671 | 3.13% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,752 | 2.88% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,989 | 2.88% |
| Palestine, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,358 | 3.25% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,240 | 3.13% |
| Torrington, CT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,458 | 2.50% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,717 | 3.00% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,790 | 3.13% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,143 | 3.13% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,612 | 2.75% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,169 | 4.13% |
| FLINT, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,302 | 3.00% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,830 | 3.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,400 | 3.00% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,837 | 3.75% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,319 | 3.38% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,343 | 3.13% |
| ROME, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,375 | 3.00% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,889 | 2.75% |
| Roswell, NM (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,881 | 2.88% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,784 | 2.75% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,203 | 3.13% |
| Portales, NM (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,590 | 3.75% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,342 | 2.75% |
| Sidney, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,378 | 3.50% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,573 | 3.00% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,304 | 2.88% |
| North Vernon, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,441 | 3.13% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,677 | 3.75% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,447 | 2.50% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,042 | 4.75% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,438 | 3.50% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,488 | 2.38% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,107 | 3.13% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,653 | 2.88% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,388 | 4.13% |
| Atmore, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,919 | 3.63% |
| LIMA, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,198 | 3.13% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,193 | 3.13% |
| Pecos, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,256 | 3.50% |
| Marion, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,211 | 2.75% |
| ERIE, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,278 | 3.63% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,482 | 2.75% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,939 | 3.50% |
| Fremont, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,281 | 5.00% |
| Salem, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,738 | 3.38% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,986 | 3.50% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,946 | 2.38% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,749 | 3.25% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,532 | 3.38% |
| Magnolia, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,842 | 3.50% |
| Borger, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,677 | 3.63% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,843 | 3.50% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,906 | 3.75% |
| Hillsdale, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,880 | 3.25% |
| Sterling, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,869 | 3.00% |
| Marshall, MN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,383 | 3.00% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,979 | 3.63% |
| Dublin, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,945 | 3.25% |
| Laurel, MS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,599 | 2.88% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,328 | 4.75% |
| Pullman, WA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,286 | 4.13% |
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Product Mix
For 2020, Goldwater Bank N.a.'s most frequently originated type of loan was Conventional, with 6,821 originations. Their 2nd most popular type was VA, with 1,117 originations.
Loan Reason
For 2020, Goldwater Bank N.a.'s most frequently cited loan purpose was Home Purchase, with 3,941 originations. The 2nd most popular reason was Refi, with 3,795 originations.
Loan Duration/Length
For 2020, Goldwater Bank N.a.'s most frequently cited loan duration was 30 Year, with 7,563 originations. The 2nd most popular length was 15 Year, with 1,109 originations.
Origination Fees/Closing Costs
Goldwater Bank N.a.'s average total fees were $5,787, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,027 originations.
Interest Rates
During 2020, Goldwater Bank N.a.'s average interest rate for loans was 3.19%, while their most frequently originated rate bucket for loans was 3-4%, with 3,918 originations.
Loan Sizing
2020 saw Goldwater Bank N.a. place emphasis on $200k-400k loans with 4,468 originations, totaling $1,257,960,000 in origination value.
Applicant Income
Goldwater Bank N.a. lent most frequently to those with incomes in the $100k-150k range, with 2,032 originations. The second most popular income band? $50k-75k, with 1,827 originations.
Applicant Debt to Income Ratio
Goldwater Bank N.a. lent most frequently to those with DTI ratios of 20-30%, with 1,993 originations. The next most common DTI ratio? 30-36%, with 1,572 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.62%
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 origination63.47%
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 | 9,107 | $2,390,965,000 | $262,541 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 59 | $9,445,000 | $160,085 |
| Single Family (1-4 Units):Site-Built | 9,048 | $2,381,520,000 | $263,210 |
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 | $188,190 |
For 2020, Goldwater Bank N.a. had 1 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $9,503 |
| Net interest income | $6,896 |
| Total noninterest income | $101,285 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $56 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $101,229 |
| Pre-tax net operating income | $14,241 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $12,205 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $12,205 |
| Minority interest net income | $-7 |
| Net income | $12,212 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $12,205 |
Goldwater Bank N.a.'s gross interest income from loans was $9,503,000.
Goldwater Bank N.a.'s net interest income from loans was $6,896,000.
Goldwater Bank N.a.'s fee based income from loans was $56,000.
Goldwater Bank N.a.'s net income from loans was $12,212,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $2,607 |
| Provision for credit losses | $610 |
| Total noninterest expense | $93,330 |
| Salaries and employee benefits | $70,778 |
| Premises and equipment expense | $3,059 |
| Additional noninterest expense | $19,493 |
| Applicable income taxes | $2,036 |
| Net charge-offs | $-38 |
| Cash dividends | $295 |
Goldwater Bank N.a.'s interest expense for loans was $2,607,000.
Goldwater Bank N.a.'s payroll and benefits expense were $70,778,000.
Goldwater Bank N.a.'s property, plant and equipment expenses $3,059,000.
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 | 0.0% |
| Personal loans | 10.0% |
| Credit card loans | 0.0% |
| Other individual loans | 10.0% |
| Auto loans | 18.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $224,126 |
| Deposits held in domestic offices | $224,126 |
| Deposits by Individuals, partnerships, and corporations | $140,108 |
| 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. | $84,018 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $54,669 |
| Demand deposits | $53,633 |
| Nontransaction accounts | $169,457 |
| Money market deposit accounts (MMDAs) | $7,115 |
| Other savings deposits (excluding MMDAs) | $9,454 |
| Total time deposits | $152,887 |
| Total time and savings deposits | $170,493 |
| Noninterest-bearing deposits | $53,633 |
| Interest-bearing deposits | $170,493 |
| Retail deposits | $200,445 |
| IRAs and Keogh plan accounts | $0 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $325,696 |
| Cash & Balances due from depository institutions | $30,413 |
| Interest-bearing balances | $11,961 |
| Total securities | $2,464 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $263,528 |
| Loan and leases loss allowance | $1,096 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,311 |
| Other real estate owned | $211 |
| Goodwill and other intangibles | $196 |
| All other assets | $27,573 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $325,696 |
| Total Liabilities | $293,131 |
| Total deposits | $224,126 |
| Interest-bearing deposits | $170,493 |
| Deposits held in domestic offices | $224,126 |
| % insured (estimated) | $74 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $50,000 |
| Subordinated debt | $0 |
| All other liabilities | $19,005 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $263,528 |
| Loan and leases loss allowance | $1,096 |
| Total loans and leases (domestic) | $264,624 |
| All real estate loans | $252,899 |
| Real estate loans in domestic offices | $252,899 |
| Construction and development loans | $27,569 |
| Residential 1-4 family construction | $25,659 |
| Other construction, all land development and other land | $1,910 |
| Loans secured by nonfarm nonresidential properties | $9,197 |
| Nonfarm nonresidential secured by owner-occupied properties | $7,318 |
| Commercial real estate & other non-farm, non-residential | $1,879 |
| Multifamily residential real estate | $0 |
| 1-4 family residential loans | $215,160 |
| Farmland loans | $973 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $11,416 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $309 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $171 |
| Other loans to individuals | $138 |
| 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 $263,528,000 of loans outstanding in 2020. $252,899,000 of loans were in real estate loans. $27,569,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $215,160,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $171,000 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 | 21 | $8,678 | $413,238 |
| Nonfarm, nonresidential loans - $250k-1MM | 21 | $8,678 | $413,238 |
| Commercial & Industrial, US addressed loans - <$1MM | 12 | $4,350 | $362,500 |
| Commercial & Industrial, US addressed loans - <$100k | 2 | $114 | $57,000 |
| Commercial & Industrial, US addressed loans - $100-250k | 3 | $372 | $124,000 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 7 | $3,864 | $552,000 |
| Farmland loans - <$1MM | 1 | $442 | $442,000 |
| Farmland loans - $250k-1MM | 1 | $442 | $442,000 |