Goldwater Bank, N.A. Mortgage Lending & HMDA Data, 2012

In 2012, Goldwater Bank, N.A. of Phoenix, AZ reported 1,834 mortgage applications totaling $452.8 million, up 161% from 2011. The average application was for $246,895, and applicants reported an average income of $112,998. 62% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Denver-Aurora-Broomfield, CO (443), Fort Collins-Loveland, CO (252) and Phoenix-Mesa-Glendale, AZ (195) (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 1,834
Total Mortgage Loan Application Amount $452,807,000
Average Mortgage Loan Application Amount $246,895
Highest Mortgage Loan Application Amount $1,480,000
Average Applicant Income $112,998
Highest Applicant Income $2,400,000

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Act (HMDA) records Goldwater Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Larimer, Colorado 252 $ 55,422,000 $ 219,928 $ 96,000
Maricopa, Arizona 187 $ 38,263,000 $ 204,614 $ 87,000
Spokane, Washington 138 $ 25,010,000 $ 181,231 $ 85,000
Boulder, Colorado 124 $ 35,083,000 $ 282,927 $ 119,000
Denver, Colorado 106 $ 31,713,000 $ 299,179 $ 147,000
Douglas, Colorado 106 $ 30,772,000 $ 290,301 $ 129,000
Arapahoe, Colorado 102 $ 28,346,000 $ 277,901 $ 114,000
Kootenai, Idaho 97 $ 20,285,000 $ 209,123 $ 88,000
Jefferson, Colorado 72 $ 18,399,000 $ 255,541 $ 113,000
Gunnison, Colorado 48 $ 11,524,000 $ 240,083 $ 115,000
Summit, Colorado 48 $ 15,176,000 $ 316,166 $ 198,000
Weld, Colorado 42 $ 9,467,000 $ 225,404 $ 99,000
Adams, Colorado 32 $ 6,477,000 $ 202,406 $ 85,000
Chaffee, Colorado 31 $ 6,654,000 $ 214,645 $ 78,000
Los Angeles, California 20 $ 8,453,000 $ 422,650 $ 132,000
Las Animas, Colorado 19 $ 2,668,000 $ 140,421 $ 69,000
Riverside, California 17 $ 3,307,000 $ 194,529 $ 79,000
Eagle, Colorado 17 $ 6,998,000 $ 411,647 $ 169,000
Broomfield, Colorado 15 $ 4,855,000 $ 323,666 $ 143,000
San Diego, California 14 $ 4,777,000 $ 341,214 $ 122,000
Pima, Arizona 13 $ 2,647,000 $ 203,615 $ 92,000
Bonner, Idaho 12 $ 2,000,000 $ 166,666 $ 92,000
Yellowstone, Montana 12 $ 2,221,000 $ 185,083 $ 69,000
Orange, California 11 $ 4,093,000 $ 372,090 $ 115,000
El Paso, Colorado 11 $ 2,459,000 $ 223,545 $ 97,000
Pinal, Arizona 8 $ 846,000 $ 105,750 $ 54,000
Shoshone, Idaho 8 $ 1,195,000 $ 149,375 $ 66,000
King, Washington 8 $ 2,345,000 $ 293,125 $ 89,000
Snohomish, Washington 8 $ 2,217,000 $ 277,125 $ 94,000
Garfield, Colorado 7 $ 1,980,000 $ 282,857 $ 180,000
Huerfano, Colorado 7 $ 1,206,000 $ 172,285 $ 82,000
Stevens, Washington 7 $ 1,452,000 $ 207,428 $ 86,000
Pend Oreille, Washington 6 $ 1,251,000 $ 208,500 $ 111,000
Pierce, Washington 6 $ 1,598,000 $ 266,333 $ 60,000
Contra Costa, California 5 $ 1,553,000 $ 310,600 $ 324,000
Santa Barbara, California 5 $ 2,030,000 $ 406,000 $ 185,000
Cook, Illinois 5 $ 1,380,000 $ 276,000 $ 331,000
San Mateo, California 4 $ 1,979,000 $ 494,750 $ 260,000
Sonoma, California 4 $ 1,071,000 $ 267,750 $ 79,000
Hinsdale, Colorado 4 $ 1,412,000 $ 353,000 $ 207,000
Park, Colorado 4 $ 1,216,000 $ 304,000 $ 144,000
Pitkin, Colorado 4 $ 4,236,000 $ 1,059,000 $ 283,000
District of Columbia, District Of Columbia 4 $ 1,554,000 $ 388,500 $ 171,000
Clark, Washington 4 $ 849,000 $ 212,250 $ 76,000
Sacramento, California 3 $ 536,000 $ 178,666 $ 63,000
Gilpin, Colorado 3 $ 795,000 $ 265,000 $ 119,000
Grand, Colorado 3 $ 644,000 $ 214,666 $ 467,000
Montezuma, Colorado 3 $ 690,000 $ 230,000 $ 64,000
Albany, Wyoming 3 $ 855,000 $ 285,000 $ 154,000
Laramie, Wyoming 3 $ 879,000 $ 293,000 $ 298,000
Jefferson, Alabama 2 $ 242,000 $ 121,000 $ 82,000
Coconino, Arizona 2 $ 339,000 $ 169,500 $ 173,000
Yavapai, Arizona 2 $ 397,000 $ 198,500 $ 158,000
Marin, California 2 $ 1,243,000 $ 621,500 $ 215,000
Nevada, California 2 $ 804,000 $ 402,000 $ 65,000
Santa Cruz, California 2 $ 710,000 $ 355,000 $ 153,000
Stanislaus, California 2 $ 502,000 $ 251,000 $ 110,000
Elbert, Colorado 2 $ 515,000 $ 257,500 $ 95,000
La Plata, Colorado 2 $ 448,000 $ 224,000 $ 90,000
Rio Grande, Colorado 2 $ 217,000 $ 108,500 $ 98,000
Routt, Colorado 2 $ 726,000 $ 363,000 $ 858,000
San Miguel, Colorado 2 $ 1,568,000 $ 784,000 $ 241,000
Broward, Florida 2 $ 924,000 $ 462,000 $ 311,000
Orange, Florida 2 $ 508,000 $ 254,000 $ 235,000
Sumter, Florida 2 $ 356,000 $ 178,000 $ 100,000
Honolulu, Hawaii 2 $ 536,000 $ 268,000 $ 117,000
Canyon, Idaho 2 $ 195,000 $ 97,500 $ 63,000
Elmore, Idaho 2 $ 269,000 $ 134,500 $ 41,000
Nez Perce, Idaho 2 $ 335,000 $ 167,500 $ 41,000
Polk, Iowa 2 $ 319,000 $ 159,500 $ 252,000
Sherman, Kansas 2 $ 81,000 $ 40,500 $ 33,000
Anne Arundel, Maryland 2 $ 731,000 $ 365,500 $ 163,000
Christian, Missouri 2 $ 222,000 $ 111,000 $ 135,000
Missoula, Montana 2 $ 487,000 $ 243,500 $ 153,000
Clark, Nevada 2 $ 619,000 $ 309,500 $ 93,000
Bernalillo, New Mexico 2 $ 377,000 $ 188,500 $ 60,000
Sandoval, New Mexico 2 $ 342,000 $ 171,000 $ 40,000
Bucks, Pennsylvania 2 $ 272,000 $ 136,000 $ 17,000
Fort Bend, Texas 2 $ 925,000 $ 462,500 $ 285,000
Salt Lake, Utah 2 $ 291,000 $ 145,500 $ 73,000
Whatcom, Washington 2 $ 486,000 $ 243,000 $ 71,000
Dane, Wisconsin 2 $ 294,000 $ 147,000 $ 46,000
Mohave, Arizona 1 $ 167,000 $ 167,000 $ 106,000
Benton, Arkansas 1 $ 163,000 $ 163,000 $ 67,000
Monterey, California 1 $ 380,000 $ 380,000 $ 70,000
San Bernardino, California 1 $ 417,000 $ 417,000 $ 107,000
Ventura, California 1 $ 750,000 $ 750,000 $ 287,000
Alamosa, Colorado 1 $ 240,000 $ 240,000 $ 292,000
Clear Creek, Colorado 1 $ 417,000 $ 417,000 $ 145,000
Delta, Colorado 1 $ 139,000 $ 139,000 $ 65,000
Fremont, Colorado 1 $ 96,000 $ 96,000 $ 84,000
Mesa, Colorado 1 $ 164,000 $ 164,000 $ 60,000
Mineral, Colorado 1 $ 147,000 $ 147,000 $ 73,000
Montrose, Colorado 1 $ 110,000 $ 110,000 $ 126,000
Ouray, Colorado 1 $ 108,000 $ 108,000 $ 75,000
Pueblo, Colorado 1 $ 104,000 $ 104,000 $ 75,000
Brevard, Florida 1 $ 136,000 $ 136,000 $ 46,000
Charlotte, Florida 1 $ 160,000 $ 160,000 $ 145,000
Santa Rosa, Florida 1 $ 183,000 $ 183,000 $ 56,000
Walton, Florida 1 $ 255,000 $ 255,000 $ 257,000
Fulton, Georgia 1 $ 376,000 $ 376,000 $ 115,000
Gwinnett, Georgia 1 $ 166,000 $ 166,000 $ 80,000
Maui, Hawaii 1 $ 587,000 $ 587,000 $ 155,000
Benewah, Idaho 1 $ 247,000 $ 247,000 $ 160,000
Latah, Idaho 1 $ 81,000 $ 81,000 $ 37,000
Madison, Idaho 1 $ 79,000 $ 79,000 $ 65,000
Twin Falls, Idaho 1 $ 74,000 $ 74,000 $ 24,000
DuPage, Illinois 1 $ 268,000 $ 268,000 $ 64,000
Kankakee, Illinois 1 $ 100,000 $ 100,000 $ 44,000
Winnebago, Illinois 1 $ 161,000 $ 161,000 $ 12,000
Monroe, Indiana 1 $ 130,000 $ 130,000 $ 299,000
Johnson, Kansas 1 $ 417,000 $ 417,000 $ 90,000
Leavenworth, Kansas 1 $ 165,000 $ 165,000 $ 59,000
Montgomery, Kansas 1 $ 39,000 $ 39,000 $ 118,000
Fayette, Kentucky 1 $ 227,000 $ 227,000 $ 80,000
St. Tammany, Louisiana 1 $ 225,000 $ 225,000 $ 80,000
Talbot, Maryland 1 $ 169,000 $ 169,000 $ 29,000
Barnstable, Massachusetts 1 $ 248,000 $ 248,000 $ 44,000
Dukes, Massachusetts 1 $ 575,000 $ 575,000 $ 525,000
Macomb, Michigan 1 $ 137,000 $ 137,000 $ 88,000
Cass, Minnesota 1 $ 192,000 $ 192,000 $ 245,000
Douglas, Minnesota 1 $ 287,000 $ 287,000 $ 179,000
Hennepin, Minnesota 1 $ 314,000 $ 314,000 $ 128,000
Hubbard, Minnesota 1 $ 194,000 $ 194,000 $ 355,000
St. Louis, Missouri 1 $ 120,000 $ 120,000 $ 56,000
Flathead, Montana 1 $ 181,000 $ 181,000 $ 158,000
Gallatin, Montana 1 $ 275,000 $ 275,000 $ 54,000
Golden Valley, Montana 1 $ 232,000 $ 232,000 $ 94,000
Washoe, Nevada 1 $ 161,000 $ 161,000 $ 46,000
Rockingham, New Hampshire 1 $ 376,000 $ 376,000 $ 211,000
Colfax, New Mexico 1 $ 148,000 $ 148,000 $ 110,000
Lea, New Mexico 1 $ 167,000 $ 167,000 $ 73,000
Santa Fe, New Mexico 1 $ 318,000 $ 318,000 $ 167,000
Suffolk, New York 1 $ 626,000 $ 626,000 $ 266,000
Durham, North Carolina 1 $ 142,000 $ 142,000 $ 102,000
Mecklenburg, North Carolina 1 $ 104,000 $ 104,000 $ 100,000
Franklin, Ohio 1 $ 200,000 $ 200,000 $ 132,000
Canadian, Oklahoma 1 $ 177,000 $ 177,000 $ 42,000
Washington, Oklahoma 1 $ 190,000 $ 190,000 $ 57,000
Benton, Oregon 1 $ 158,000 $ 158,000 $ 40,000
Curry, Oregon 1 $ 82,000 $ 82,000 $ 199,000
Deschutes, Oregon 1 $ 200,000 $ 200,000 $ 55,000
Multnomah, Oregon 1 $ 169,000 $ 169,000 $ 184,000
Charleston, South Carolina 1 $ 417,000 $ 417,000 $ 262,000
Lincoln, South Dakota 1 $ 140,000 $ 140,000 $ 128,000
Davidson, Tennessee 1 $ 137,000 $ 137,000 $ 49,000
Rutherford, Tennessee 1 $ 100,000 $ 100,000 $ 244,000
Shelby, Tennessee 1 $ 83,000 $ 83,000 $ 90,000
Bexar, Texas 1 $ 379,000 $ 379,000 $ 175,000
Dallas, Texas 1 $ 402,000 $ 402,000 $ 421,000
Denton, Texas 1 $ 372,000 $ 372,000 $ 105,000
Midland, Texas 1 $ 1,100,000 $ 1,100,000 $ 719,000
Montgomery, Texas 1 $ 1,456,000 $ 1,456,000 $ 450,000
Navarro, Texas 1 $ 157,000 $ 157,000 $ 135,000
Rockwall, Texas 1 $ 324,000 $ 324,000 $ 110,000
Travis, Texas 1 $ 280,000 $ 280,000 $ 73,000
Weber, Utah 1 $ 164,000 $ 164,000 $ 82,000
Alexandria, Virginia 1 $ 250,000 $ 250,000 $ 185,000
Prince William, Virginia 1 $ 313,000 $ 313,000 $ 76,000
Benton, Washington 1 $ 124,000 $ 124,000 $ 48,000
Chelan, Washington 1 $ 145,000 $ 145,000 $ 12,000
Garfield, Washington 1 $ 124,000 $ 124,000 $ 61,000
Grays Harbor, Washington 1 $ 77,000 $ 77,000 $ 19,000
Island, Washington 1 $ 376,000 $ 376,000 $ 12,000
Kitsap, Washington 1 $ 226,000 $ 226,000 $ 62,000
Lincoln, Washington 1 $ 135,000 $ 135,000 $ 34,000
Skagit, Washington 1 $ 157,000 $ 157,000 $ 59,000
Walla Walla, Washington 1 $ 126,000 $ 126,000 $ 12,000
Whitman, Washington 1 $ 67,000 $ 67,000 $ 45,000
Yakima, Washington 1 $ 124,000 $ 124,000 $ 41,000
Brown, Wisconsin 1 $ 155,000 $ 155,000 $ 648,000
Outagamie, Wisconsin 1 $ 199,000 $ 199,000 $ 185,000
Rock, Wisconsin 1 $ 142,000 $ 142,000 $ 54,000
St. Croix, Wisconsin 1 $ 279,000 $ 279,000 $ 270,000
Waukesha, Wisconsin 1 $ 193,000 $ 193,000 $ 45,000
Big Horn, Wyoming 1 $ 152,000 $ 152,000 $ 59,000
Crook, Wyoming 1 $ 180,000 $ 180,000 $ 103,000
Goshen, Wyoming 1 $ 219,000 $ 219,000 $ 84,000
Sheridan, Wyoming 1 $ 195,000 $ 195,000 $ 78,000
Teton, Wyoming 1 $ 600,000 $ 600,000 $ 692,000

Mortgage Loan Application Detail Totals for Goldwater Bank, N.A. in 2012

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 1,178 $300,862,000 $255,000 $1,456,000 $118,000 $2,400,000
Home Purchase 650 $150,796,000 $231,000 $1,480,000 $104,000 $1,618,000
Home Improvement 6 $1,149,000 $191,000 $331,000 $106,000 $154,000

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 1,602 $396,809,000 $247,000 $1,480,000 $114,000 $2,400,000
Not Provided 119 $30,970,000 $260,000 $1,456,000 $117,000 $719,000
Hispanic 60 $12,628,000 $210,000 $600,000 $81,000 $300,000
Asian 32 $8,042,000 $251,000 $417,000 $113,000 $286,000
Black or African American 11 $2,063,000 $187,000 $400,000 $85,000 $181,000
American Indian or Alaskan Native 6 $1,318,000 $219,000 $417,000 $77,000 $146,000
Native Hawaiian or Other Pacific Islander 4 $977,000 $244,000 $417,000 $162,000 $390,000
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) 1,473 $380,486,000 $258,000 $1,480,000 $124,000 $2,400,000
FHA-insured (Federal Housing Administration) 326 $65,324,000 $200,000 $737,000 $67,000 $1,000,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 18 $2,906,000 $161,000 $329,000 $47,000 $84,000
VA-guaranteed (Veterans Administration) 17 $4,091,000 $240,000 $587,000 $67,000 $284,000

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 1,132 $279,862,000 $247,000 $737,000 $112,000 $1,618,000
Application Withdrawn By Applicant 290 $72,498,000 $249,000 $1,480,000 $110,000 $525,000
Application Denied By Financial Institution 204 $46,314,000 $227,000 $1,077,000 $96,000 $692,000
Application Approved But Not Accepted 202 $52,023,000 $257,000 $1,100,000 $141,000 $2,400,000
File Closed For Incompleteness 6 $2,110,000 $351,000 $1,130,000 $144,000 $480,000
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
Debt-To-Income Ratio 50 $11,992,000 $239,000 $1,077,000 $68,000 $262,000
Credit History 47 $9,264,000 $197,000 $528,000 $82,000 $325,000
Collateral 45 $10,770,000 $239,000 $626,000 $104,000 $268,000
Other 41 $9,612,000 $234,000 $743,000 $140,000 $692,000
Credit Application Incomplete 10 $2,273,000 $227,000 $731,000 $88,000 $428,000
Unverifiable Information 7 $1,853,000 $264,000 $417,000 $106,000 $263,000
Employment History 4 $550,000 $137,000 $168,000 $54,000 $100,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Goldwater Bank, N.A.'s 2012 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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