Goldwater Bank, N.A. Mortgage Lending & HMDA Data, 2025
In 2025, Goldwater Bank, N.A. of Phoenix, AZ reported 299 mortgage applications totaling $114.8 million, down 65% from 2024. The average application was for $383,862, and applicants reported an average income of $178,638. 80% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (62), Phoenix-Mesa-Scottsdale, AZ (32) and Oklahoma City, OK (30) (applications in parentheses).
| Mortgage Company & Address | Goldwater Bank, N.A. 2525 East Camelback Road Suite 1100 Phoenix, AZ 85016 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 299 |
| Total Mortgage Loan Application Amount | $114,775,000 |
| Average Mortgage Loan Application Amount | $383,862 |
| Highest Mortgage Loan Application Amount | $4,875,000 |
| Average Applicant Income | $178,638 |
| Highest Applicant Income | $2,931,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Goldwater Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Carroll, Georgia | 46 | $ 13,280,000 | $ 288,695 | $ 132,000 |
| Maricopa, Arizona | 30 | $ 13,710,000 | $ 457,000 | $ 609,000 |
| Montgomery, Texas | 17 | $ 5,095,000 | $ 299,705 | $ 126,000 |
| Oklahoma, Oklahoma | 14 | $ 2,760,000 | $ 197,142 | $ 140,000 |
| Eddy, New Mexico | 13 | $ 3,725,000 | $ 286,538 | $ 133,000 |
| Harris, Texas | 9 | $ 2,445,000 | $ 271,666 | $ 126,000 |
| Pima, Arizona | 6 | $ 2,350,000 | $ 391,666 | $ 257,000 |
| Haralson, Georgia | 6 | $ 1,980,000 | $ 330,000 | $ 120,000 |
| Mohave, Arizona | 5 | $ 3,705,000 | $ 741,000 | $ 259,000 |
| Gwinnett, Georgia | 5 | $ 1,135,000 | $ 227,000 | $ 95,000 |
| Randolph, Alabama | 4 | $ 1,010,000 | $ 252,500 | $ 148,000 |
| Yuma, Arizona | 4 | $ 1,150,000 | $ 287,500 | $ 0 |
| Palm Beach, Florida | 4 | $ 2,470,000 | $ 617,500 | $ 223,000 |
| Bernalillo, New Mexico | 4 | $ 1,320,000 | $ 330,000 | $ 119,000 |
| Canadian, Oklahoma | 4 | $ 1,230,000 | $ 307,500 | $ 111,000 |
| Logan, Oklahoma | 4 | $ 1,160,000 | $ 290,000 | $ 129,000 |
| Yavapai, Arizona | 3 | $ 1,505,000 | $ 501,666 | $ 143,000 |
| Cobb, Georgia | 3 | $ 1,645,000 | $ 548,333 | $ 270,000 |
| DeKalb, Georgia | 3 | $ 455,000 | $ 151,666 | $ 96,000 |
| Heard, Georgia | 3 | $ 1,135,000 | $ 378,333 | $ 105,000 |
| Cleveland, Oklahoma | 3 | $ 725,000 | $ 241,666 | $ 81,000 |
| Lincoln, Oklahoma | 3 | $ 385,000 | $ 128,333 | $ 99,000 |
| Cleburne, Alabama | 2 | $ 720,000 | $ 360,000 | $ 133,000 |
| Coconino, Arizona | 2 | $ 670,000 | $ 335,000 | $ 23,000 |
| Pinal, Arizona | 2 | $ 570,000 | $ 285,000 | $ 0 |
| Los Angeles, California | 2 | $ 1,360,000 | $ 680,000 | $ 147,000 |
| Orange, California | 2 | $ 1,540,000 | $ 770,000 | $ 405,000 |
| Boulder, Colorado | 2 | $ 1,850,000 | $ 925,000 | $ 332,000 |
| Alachua, Florida | 2 | $ 670,000 | $ 335,000 | $ 125,000 |
| Hendry, Florida | 2 | $ 520,000 | $ 260,000 | $ 109,000 |
| Marion, Florida | 2 | $ 740,000 | $ 370,000 | $ 96,000 |
| St. Lucie, Florida | 2 | $ 1,050,000 | $ 525,000 | $ 160,000 |
| Douglas, Georgia | 2 | $ 760,000 | $ 380,000 | $ 124,000 |
| Clark, Nevada | 2 | $ 920,000 | $ 460,000 | $ 141,000 |
| Dona Ana, New Mexico | 2 | $ 1,240,000 | $ 620,000 | $ 191,000 |
| Grady, Oklahoma | 2 | $ 600,000 | $ 300,000 | $ 92,000 |
| Jefferson, Tennessee | 2 | $ 790,000 | $ 395,000 | $ 117,000 |
| Comal, Texas | 2 | $ 790,000 | $ 395,000 | $ 153,000 |
| Victoria, Texas | 2 | $ 260,000 | $ 130,000 | $ 126,000 |
| Kitsap, Washington | 2 | $ 5,240,000 | $ 2,620,000 | $ 99,000 |
| Baldwin, Alabama | 1 | $ 605,000 | $ 605,000 | $ 325,000 |
| Jefferson, Alabama | 1 | $ 645,000 | $ 645,000 | $ 314,000 |
| Mobile, Alabama | 1 | $ 525,000 | $ 525,000 | $ 126,000 |
| Garland, Arkansas | 1 | $ 135,000 | $ 135,000 | $ 187,000 |
| San Diego, California | 1 | $ 355,000 | $ 355,000 | $ 103,000 |
| Park, Colorado | 1 | $ 695,000 | $ 695,000 | $ 317,000 |
| Bay, Florida | 1 | $ 345,000 | $ 345,000 | $ 175,000 |
| Lee, Florida | 1 | $ 805,000 | $ 805,000 | $ 360,000 |
| Putnam, Florida | 1 | $ 155,000 | $ 155,000 | $ 185,000 |
| Walton, Florida | 1 | $ 475,000 | $ 475,000 | $ 269,000 |
| Bartow, Georgia | 1 | $ 355,000 | $ 355,000 | $ 138,000 |
| Bleckley, Georgia | 1 | $ 205,000 | $ 205,000 | $ 118,000 |
| Chatham, Georgia | 1 | $ 325,000 | $ 325,000 | $ 96,000 |
| Cherokee, Georgia | 1 | $ 315,000 | $ 315,000 | $ 127,000 |
| Coweta, Georgia | 1 | $ 275,000 | $ 275,000 | $ 82,000 |
| Fulton, Georgia | 1 | $ 265,000 | $ 265,000 | $ 124,000 |
| Gilmer, Georgia | 1 | $ 565,000 | $ 565,000 | $ 123,000 |
| Henry, Georgia | 1 | $ 665,000 | $ 665,000 | $ 198,000 |
| Oglethorpe, Georgia | 1 | $ 755,000 | $ 755,000 | $ 368,000 |
| Paulding, Georgia | 1 | $ 65,000 | $ 65,000 | $ 75,000 |
| Pulaski, Georgia | 1 | $ 545,000 | $ 545,000 | $ 308,000 |
| Tattnall, Georgia | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Troup, Georgia | 1 | $ 185,000 | $ 185,000 | $ 132,000 |
| Marion, Indiana | 1 | $ 195,000 | $ 195,000 | $ 116,000 |
| Ascension, Louisiana | 1 | $ 605,000 | $ 605,000 | $ 264,000 |
| Penobscot, Maine | 1 | $ 505,000 | $ 505,000 | $ 231,000 |
| Presque Isle, Michigan | 1 | $ 485,000 | $ 485,000 | $ 114,000 |
| Lee, Mississippi | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| Panola, Mississippi | 1 | $ 485,000 | $ 485,000 | $ 188,000 |
| Burlington, New Jersey | 1 | $ 505,000 | $ 505,000 | $ 227,000 |
| Chaves, New Mexico | 1 | $ 395,000 | $ 395,000 | $ 167,000 |
| Otero, New Mexico | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Sandoval, New Mexico | 1 | $ 635,000 | $ 635,000 | $ 235,000 |
| Buncombe, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 85,000 |
| Granville, North Carolina | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Creek, Oklahoma | 1 | $ 235,000 | $ 235,000 | $ 62,000 |
| McCurtain, Oklahoma | 1 | $ 765,000 | $ 765,000 | $ 1,015,000 |
| Pottawatomie, Oklahoma | 1 | $ 615,000 | $ 615,000 | $ 192,000 |
| Allegheny, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 214,000 |
| Barnwell, South Carolina | 1 | $ 165,000 | $ 165,000 | $ 110,000 |
| Oconee, South Carolina | 1 | $ 385,000 | $ 385,000 | $ 99,000 |
| Spartanburg, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 228,000 |
| Bledsoe, Tennessee | 1 | $ 785,000 | $ 785,000 | $ 227,000 |
| Roane, Tennessee | 1 | $ 545,000 | $ 545,000 | $ 175,000 |
| White, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 65,000 |
| Burnet, Texas | 1 | $ 1,505,000 | $ 1,505,000 | $ 2,306,000 |
| Cameron, Texas | 1 | $ 345,000 | $ 345,000 | $ 102,000 |
| Chambers, Texas | 1 | $ 405,000 | $ 405,000 | $ 140,000 |
| Fort Bend, Texas | 1 | $ 365,000 | $ 365,000 | $ 115,000 |
| Gaines, Texas | 1 | $ 395,000 | $ 395,000 | $ 246,000 |
| Houston, Texas | 1 | $ 275,000 | $ 275,000 | $ 101,000 |
| Kinney, Texas | 1 | $ 265,000 | $ 265,000 | $ 172,000 |
| Leon, Texas | 1 | $ 235,000 | $ 235,000 | $ 135,000 |
| Midland, Texas | 1 | $ 255,000 | $ 255,000 | $ 260,000 |
| Navarro, Texas | 1 | $ 555,000 | $ 555,000 | $ 143,000 |
| Parker, Texas | 1 | $ 485,000 | $ 485,000 | $ 205,000 |
| San Patricio, Texas | 1 | $ 615,000 | $ 615,000 | $ 216,000 |
| Smith, Texas | 1 | $ 235,000 | $ 235,000 | $ 165,000 |
| Tarrant, Texas | 1 | $ 585,000 | $ 585,000 | $ 169,000 |
| Walker, Texas | 1 | $ 135,000 | $ 135,000 | $ 204,000 |
| Garfield, Utah | 1 | $ 325,000 | $ 325,000 | $ 236,000 |
| Summit, Utah | 1 | $ 1,205,000 | $ 1,205,000 | $ 514,000 |
| Utah, Utah | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Grant, Washington | 1 | $ 335,000 | $ 335,000 | $ 122,000 |
| King, Washington | 1 | $ 535,000 | $ 535,000 | $ 357,000 |
| Lewis, Washington | 1 | $ 105,000 | $ 105,000 | $ 130,000 |
| Pierce, Washington | 1 | $ 595,000 | $ 595,000 | $ 146,000 |
| Cabell, West Virginia | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Taylor, Wisconsin | 1 | $ 925,000 | $ 925,000 | $ 392,000 |
Mortgage Loan Application Detail Totals for Goldwater Bank, N.A. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 241 | $86,145,000 | $357,000 | $2,315,000 | $176,000 | $2,931,000 |
| Cash-out Refinancing | 31 | $11,265,000 | $363,000 | $1,305,000 | $164,000 | $915,000 |
| Refinancing | 27 | $17,365,000 | $643,000 | $4,875,000 | $219,000 | $1,015,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 205 | $73,315,000 | $357,000 | $1,505,000 | $178,000 | $2,931,000 |
| Not applicable | 33 | $10,585,000 | $320,000 | $695,000 | $0 | $0 |
| Hispanic | 25 | $9,025,000 | $361,000 | $705,000 | $143,000 | $268,000 |
| Not Provided | 20 | $12,660,000 | $633,000 | $4,875,000 | $152,000 | $474,000 |
| Black or African American | 9 | $4,165,000 | $462,000 | $1,245,000 | $222,000 | $915,000 |
| Asian | 5 | $4,595,000 | $919,000 | $2,315,000 | $474,000 | $1,096,000 |
| American Indian or Alaskan Native | 2 | $430,000 | $215,000 | $225,000 | $77,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 207 | $82,905,000 | $400,000 | $4,875,000 | $201,000 | $2,931,000 |
| FHA-insured (Federal Housing Administration) | 52 | $15,220,000 | $292,000 | $585,000 | $108,000 | $222,000 |
| VA-guaranteed (Veterans Administration) | 36 | $15,840,000 | $440,000 | $925,000 | $160,000 | $392,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $810,000 | $202,000 | $285,000 | $70,000 | $87,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 240 | $93,870,000 | $391,000 | $4,875,000 | $172,000 | $2,931,000 |
| Loan Purchased By The Institution | 33 | $10,585,000 | $320,000 | $695,000 | $0 | $0 |
| Application Withdrawn By Applicant | 24 | $8,360,000 | $348,000 | $855,000 | $160,000 | $360,000 |
| File Closed For Incompleteness | 1 | $1,505,000 | $1,505,000 | $1,505,000 | $2,306,000 | $2,306,000 |
| Application Denied By Financial Institution | 1 | $455,000 | $455,000 | $455,000 | $130,000 | $130,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 298 | $114,320,000 | $383,000 | $4,875,000 | $179,000 | $2,931,000 |
| Debt-To-Income Ratio | 1 | $455,000 | $455,000 | $455,000 | $130,000 | $130,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Goldwater Bank, N.A.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Goldwater Bank, N.A.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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