Goldwater Bank, N.A. Mortgage Lending & HMDA Data, 2011

In 2011, Goldwater Bank, N.A. of Phoenix, AZ reported 702 mortgage applications totaling $175.2 million, up 17450% from 2010. The average application was for $249,572, and applicants reported an average income of $116,109. 48% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Denver-Aurora-Broomfield, CO (182), Fort Collins-Loveland, CO (56) and Boulder, CO (52) (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 702
Total Mortgage Loan Application Amount $175,200,000
Average Mortgage Loan Application Amount $249,572
Highest Mortgage Loan Application Amount $1,150,000
Average Applicant Income $116,109
Highest Applicant Income $1,159,000

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Act (HMDA) records Goldwater Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Goldwater Bank, N.A. by County in 2011

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Larimer, Colorado 56 $ 10,417,000 $ 186,017 $ 110,000
Boulder, Colorado 52 $ 13,415,000 $ 257,980 $ 131,000
Arapahoe, Colorado 49 $ 12,939,000 $ 264,061 $ 116,000
Maricopa, Arizona 43 $ 8,165,000 $ 189,883 $ 88,000
Denver, Colorado 42 $ 10,778,000 $ 256,619 $ 107,000
Douglas, Colorado 39 $ 11,520,000 $ 295,384 $ 114,000
Spokane, Washington 34 $ 6,235,000 $ 183,382 $ 88,000
Jefferson, Colorado 33 $ 8,309,000 $ 251,787 $ 121,000
Kootenai, Idaho 29 $ 5,310,000 $ 183,103 $ 63,000
Los Angeles, California 17 $ 9,360,000 $ 550,588 $ 210,000
Summit, Colorado 14 $ 4,745,000 $ 338,928 $ 127,000
Gunnison, Colorado 12 $ 2,423,000 $ 201,916 $ 102,000
Weld, Colorado 11 $ 2,254,000 $ 204,909 $ 81,000
Bonner, Idaho 9 $ 1,836,000 $ 204,000 $ 58,000
Broomfield, Colorado 8 $ 2,131,000 $ 266,375 $ 122,000
Eagle, Colorado 7 $ 2,139,000 $ 305,571 $ 76,000
Sarpy, Nebraska 7 $ 1,559,000 $ 222,714 $ 159,000
Orange, California 6 $ 2,517,000 $ 419,500 $ 142,000
El Paso, Colorado 6 $ 1,027,000 $ 171,166 $ 127,000
Travis, Texas 5 $ 1,209,000 $ 241,800 $ 196,000
King, Washington 5 $ 2,067,000 $ 413,400 $ 153,000
Pima, Arizona 4 $ 717,000 $ 179,250 $ 75,000
Adams, Colorado 4 $ 1,081,000 $ 270,250 $ 61,000
Hinsdale, Colorado 4 $ 549,000 $ 137,250 $ 134,000
Las Animas, Colorado 4 $ 450,000 $ 112,500 $ 42,000
Douglas, Nebraska 4 $ 644,000 $ 161,000 $ 72,000
Pierce, Washington 4 $ 742,000 $ 185,500 $ 56,000
Chaffee, Colorado 3 $ 688,000 $ 229,333 $ 63,000
Elbert, Colorado 3 $ 1,155,000 $ 385,000 $ 343,000
Garfield, Colorado 3 $ 1,146,000 $ 382,000 $ 190,000
Park, Colorado 3 $ 589,000 $ 196,333 $ 63,000
Pitkin, Colorado 3 $ 972,000 $ 324,000 $ 186,000
Cobb, Georgia 3 $ 461,000 $ 153,666 $ 79,000
DeKalb, Georgia 3 $ 673,000 $ 224,333 $ 95,000
Honolulu, Hawaii 3 $ 1,494,000 $ 498,000 $ 122,000
Livingston, Michigan 3 $ 1,264,000 $ 421,333 $ 122,000
Collin, Texas 3 $ 837,000 $ 279,000 $ 128,000
Tarrant, Texas 3 $ 476,000 $ 158,666 $ 97,000
Grand, Utah 3 $ 517,000 $ 172,333 $ 140,000
Marin, California 2 $ 1,133,000 $ 566,500 $ 173,000
Riverside, California 2 $ 1,060,000 $ 530,000 $ 107,000
San Diego, California 2 $ 785,000 $ 392,500 $ 440,000
San Luis Obispo, California 2 $ 579,000 $ 289,500 $ 129,000
Santa Cruz, California 2 $ 775,000 $ 387,500 $ 142,000
Solano, California 2 $ 479,000 $ 239,500 $ 400,000
Grand, Colorado 2 $ 598,000 $ 299,000 $ 656,000
New Haven, Connecticut 2 $ 582,000 $ 291,000 $ 174,000
Shoshone, Idaho 2 $ 207,000 $ 103,500 $ 43,000
Cook, Illinois 2 $ 297,000 $ 148,500 $ 185,000
Lake, Illinois 2 $ 1,092,000 $ 546,000 $ 200,000
Middlesex, Massachusetts 2 $ 547,000 $ 273,500 $ 210,000
Suffolk, Massachusetts 2 $ 547,000 $ 273,500 $ 138,000
Worcester, Massachusetts 2 $ 360,000 $ 180,000 $ 84,000
Washoe, Nevada 2 $ 442,000 $ 221,000 $ 69,000
Ocean, New Jersey 2 $ 544,000 $ 272,000 $ 300,000
Union, New Jersey 2 $ 699,000 $ 349,500 $ 108,000
Bexar, Texas 2 $ 301,000 $ 150,500 $ 83,000
Denton, Texas 2 $ 1,494,000 $ 747,000 $ 373,000
Harris, Texas 2 $ 333,000 $ 166,500 $ 101,000
Utah, Utah 2 $ 677,000 $ 338,500 $ 36,000
Fairfax, Virginia 2 $ 1,459,000 $ 729,500 $ 172,000
Snohomish, Washington 2 $ 450,000 $ 225,000 $ 85,000
Fairbanks North Star, Alaska 1 $ 156,000 $ 156,000 $ 68,000
Matanuska-Susitna, Alaska 1 $ 145,000 $ 145,000 $ 75,000
Navajo, Arizona 1 $ 150,000 $ 150,000 $ 52,000
Pinal, Arizona 1 $ 53,000 $ 53,000 $ 57,000
Yavapai, Arizona 1 $ 71,000 $ 71,000 $ 24,000
Faulkner, Arkansas 1 $ 136,000 $ 136,000 $ 88,000
Pulaski, Arkansas 1 $ 342,000 $ 342,000 $ 112,000
Saline, Arkansas 1 $ 123,000 $ 123,000 $ 62,000
Amador, California 1 $ 158,000 $ 158,000 $ 85,000
Contra Costa, California 1 $ 431,000 $ 431,000 $ 385,000
El Dorado, California 1 $ 166,000 $ 166,000 $ 49,000
Monterey, California 1 $ 413,000 $ 413,000 $ 160,000
Sacramento, California 1 $ 118,000 $ 118,000 $ 53,000
San Bernardino, California 1 $ 268,000 $ 268,000 $ 293,000
San Mateo, California 1 $ 406,000 $ 406,000 $ 229,000
Ventura, California 1 $ 542,000 $ 542,000 $ 150,000
Conejos, Colorado 1 $ 81,000 $ 81,000 $ 26,000
Delta, Colorado 1 $ 147,000 $ 147,000 $ 113,000
Fremont, Colorado 1 $ 270,000 $ 270,000 $ 73,000
Gilpin, Colorado 1 $ 225,000 $ 225,000 $ 48,000
La Plata, Colorado 1 $ 231,000 $ 231,000 $ 108,000
Logan, Colorado 1 $ 138,000 $ 138,000 $ 62,000
Montezuma, Colorado 1 $ 144,000 $ 144,000 $ 54,000
Montrose, Colorado 1 $ 216,000 $ 216,000 $ 93,000
Pueblo, Colorado 1 $ 385,000 $ 385,000 $ 126,000
Rio Grande, Colorado 1 $ 92,000 $ 92,000 $ 83,000
Routt, Colorado 1 $ 574,000 $ 574,000 $ 268,000
San Juan, Colorado 1 $ 417,000 $ 417,000 $ 300,000
District of Columbia, District Of Columbia 1 $ 626,000 $ 626,000 $ 350,000
Orange, Florida 1 $ 230,000 $ 230,000 $ 85,000
Pinellas, Florida 1 $ 360,000 $ 360,000 $ 150,000
Dawson, Georgia 1 $ 347,000 $ 347,000 $ 149,000
Forsyth, Georgia 1 $ 343,000 $ 343,000 $ 90,000
Fulton, Georgia 1 $ 72,000 $ 72,000 $ 49,000
Gwinnett, Georgia 1 $ 145,000 $ 145,000 $ 120,000
Jackson, Georgia 1 $ 237,000 $ 237,000 $ 138,000
Ada, Idaho 1 $ 197,000 $ 197,000 $ 90,000
Canyon, Idaho 1 $ 49,000 $ 49,000 $ 137,000
DuPage, Illinois 1 $ 105,000 $ 105,000 $ 43,000
Kendall, Illinois 1 $ 210,000 $ 210,000 $ 125,000
Knox, Illinois 1 $ 108,000 $ 108,000 $ 115,000
Logan, Illinois 1 $ 121,000 $ 121,000 $ 72,000
McHenry, Illinois 1 $ 87,000 $ 87,000 $ 29,000
Monroe, Indiana 1 $ 145,000 $ 145,000 $ 71,000
Pottawattamie, Iowa 1 $ 163,000 $ 163,000 $ 78,000
Woodbury, Iowa 1 $ 156,000 $ 156,000 $ 103,000
Johnson, Kansas 1 $ 387,000 $ 387,000 $ 200,000
Montgomery, Kansas 1 $ 42,000 $ 42,000 $ 111,000
Jefferson, Kentucky 1 $ 142,000 $ 142,000 $ 41,000
Pulaski, Kentucky 1 $ 241,000 $ 241,000 $ 95,000
East Baton Rouge, Louisiana 1 $ 292,000 $ 292,000 $ 113,000
Anne Arundel, Maryland 1 $ 515,000 $ 515,000 $ 168,000
Howard, Maryland 1 $ 417,000 $ 417,000 $ 130,000
Montgomery, Maryland 1 $ 508,000 $ 508,000 $ 125,000
Prince George's, Maryland 1 $ 148,000 $ 148,000 $ 39,000
Barnstable, Massachusetts 1 $ 417,000 $ 417,000 $ 213,000
Essex, Massachusetts 1 $ 360,000 $ 360,000 $ 174,000
Norfolk, Massachusetts 1 $ 402,000 $ 402,000 $ 132,000
Washtenaw, Michigan 1 $ 195,000 $ 195,000 $ 100,000
Carlton, Minnesota 1 $ 100,000 $ 100,000 $ 50,000
Hinds, Mississippi 1 $ 110,000 $ 110,000 $ 93,000
Jackson, Mississippi 1 $ 105,000 $ 105,000 $ 73,000
Rankin, Mississippi 1 $ 110,000 $ 110,000 $ 254,000
Lincoln, Montana 1 $ 211,000 $ 211,000 $ 39,000
Dawes, Nebraska 1 $ 66,000 $ 66,000 $ 65,000
Clark, Nevada 1 $ 156,000 $ 156,000 $ 1,000
Lander, Nevada 1 $ 120,000 $ 120,000 $ 49,000
Grafton, New Hampshire 1 $ 183,000 $ 183,000 $ 202,000
Rockingham, New Hampshire 1 $ 282,000 $ 282,000 $ 74,000
Strafford, New Hampshire 1 $ 113,000 $ 113,000 $ 81,000
Bergen, New Jersey 1 $ 320,000 $ 320,000 $ 312,000
Essex, New Jersey 1 $ 254,000 $ 254,000 $ 70,000
Somerset, New Jersey 1 $ 245,000 $ 245,000 $ 100,000
Sandoval, New Mexico 1 $ 292,000 $ 292,000 $ 75,000
Nassau, New York 1 $ 300,000 $ 300,000 $ 82,000
Putnam, New York 1 $ 729,000 $ 729,000 $ 319,000
Westchester, New York 1 $ 230,000 $ 230,000 $ 100,000
Cabarrus, North Carolina 1 $ 259,000 $ 259,000 $ 117,000
Orange, North Carolina 1 $ 160,000 $ 160,000 $ 159,000
Grand Forks, North Dakota 1 $ 244,000 $ 244,000 $ 1,000
Carroll, Ohio 1 $ 127,000 $ 127,000 $ 23,000
Clark, Ohio 1 $ 115,000 $ 115,000 $ 51,000
Grady, Oklahoma 1 $ 84,000 $ 84,000 $ 38,000
Oklahoma, Oklahoma 1 $ 158,000 $ 158,000 $ 113,000
Wagoner, Oklahoma 1 $ 106,000 $ 106,000 $ 12,000
Clatsop, Oregon 1 $ 165,000 $ 165,000 $ 72,000
Marion, Oregon 1 $ 141,000 $ 141,000 $ 62,000
Umatilla, Oregon 1 $ 138,000 $ 138,000 $ 119,000
Erie, Pennsylvania 1 $ 300,000 $ 300,000 $ 96,000
Luzerne, Pennsylvania 1 $ 169,000 $ 169,000 $ 88,000
Northumberland, Pennsylvania 1 $ 92,000 $ 92,000 $ 36,000
Susquehanna, Pennsylvania 1 $ 147,000 $ 147,000 $ 70,000
Davidson, Tennessee 1 $ 145,000 $ 145,000 $ 60,000
Hamilton, Tennessee 1 $ 210,000 $ 210,000 $ 260,000
Bell, Texas 1 $ 583,000 $ 583,000 $ 399,000
Fort Bend, Texas 1 $ 128,000 $ 128,000 $ 0
Grimes, Texas 1 $ 150,000 $ 150,000 $ 139,000
Hill, Texas 1 $ 97,000 $ 97,000 $ 99,000
Rockwall, Texas 1 $ 133,000 $ 133,000 $ 100,000
Williamson, Texas 1 $ 209,000 $ 209,000 $ 48,000
Weber, Utah 1 $ 164,000 $ 164,000 $ 76,000
Bennington, Vermont 1 $ 150,000 $ 150,000 $ 105,000
Prince William, Virginia 1 $ 448,000 $ 448,000 $ 158,000
Clark, Washington 1 $ 126,000 $ 126,000 $ 67,000
Island, Washington 1 $ 117,000 $ 117,000 $ 39,000
Pend Oreille, Washington 1 $ 266,000 $ 266,000 $ 70,000
Stevens, Washington 1 $ 93,000 $ 93,000 $ 50,000
Raleigh, West Virginia 1 $ 160,000 $ 160,000 $ 69,000
Dane, Wisconsin 1 $ 779,000 $ 779,000 $ 286,000
Rock, Wisconsin 1 $ 113,000 $ 113,000 $ 0
Goshen, Wyoming 1 $ 55,000 $ 55,000 $ 62,000
Laramie, Wyoming 1 $ 128,000 $ 128,000 $ 26,000

Mortgage Loan Application Detail Totals for Goldwater Bank, N.A. in 2011

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
Refinancing 533 $140,854,000 $264,000 $1,150,000 $125,000 $1,159,000
Home Purchase 168 $34,100,000 $202,000 $656,000 $88,000 $408,000
Home Improvement 1 $246,000 $246,000 $246,000 $100,000 $100,000

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 593 $149,053,000 $251,000 $1,150,000 $118,000 $1,159,000
Not Provided 49 $11,269,000 $229,000 $993,000 $109,000 $372,000
Hispanic 23 $4,034,000 $175,000 $394,000 $84,000 $254,000
Asian 21 $7,081,000 $337,000 $729,000 $135,000 $308,000
Black or African American 9 $1,784,000 $198,000 $306,000 $68,000 $173,000
American Indian or Alaskan Native 5 $1,537,000 $307,000 $555,000 $95,000 $162,000
Native Hawaiian or Other Pacific Islander 2 $442,000 $221,000 $232,000 $188,000 $260,000
Not applicable 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) 555 $147,460,000 $265,000 $1,150,000 $131,000 $1,159,000
FHA-insured (Federal Housing Administration) 133 $25,712,000 $193,000 $568,000 $61,000 $510,000
VA-guaranteed (Veterans Administration) 10 $1,652,000 $165,000 $277,000 $49,000 $124,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 4 $376,000 $94,000 $138,000 $43,000 $62,000

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 339 $83,240,000 $245,000 $645,000 $119,000 $1,159,000
Application Withdrawn By Applicant 143 $37,984,000 $265,000 $1,150,000 $122,000 $790,000
Application Approved But Not Accepted 118 $29,812,000 $252,000 $729,000 $114,000 $617,000
Application Denied By Financial Institution 89 $20,492,000 $230,000 $973,000 $93,000 $510,000
File Closed For Incompleteness 13 $3,672,000 $282,000 $460,000 $156,000 $408,000
Loan Purchased By The Institution 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
Credit History 26 $5,203,000 $200,000 $973,000 $76,000 $510,000
Other 26 $6,427,000 $247,000 $568,000 $127,000 $347,000
Collateral 16 $3,454,000 $215,000 $417,000 $87,000 $241,000
Debt-To-Income Ratio 15 $4,064,000 $270,000 $417,000 $71,000 $174,000
Unverifiable Information 4 $910,000 $227,000 $387,000 $102,000 $159,000
Employment History 1 $350,000 $350,000 $350,000 $91,000 $91,000
Insufficient Cash (Downpayment, Closing Cost) 1 $84,000 $84,000 $84,000 $42,000 $42,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Goldwater Bank, N.A.'s 2011 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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