Goldwater Bank, N.A. Mortgage Lending & HMDA Data, 2013

In 2013, Goldwater Bank, N.A. of Phoenix, AZ reported 1,572 mortgage applications totaling $364.4 million, down 14% from 2012. The average application was for $231,829, and applicants reported an average income of $108,096. 60% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Denver-Aurora-Broomfield, CO (456), Coeur D'Alene, ID (188) and Fort Collins-Loveland, CO (174) (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 1,572
Total Mortgage Loan Application Amount $364,436,000
Average Mortgage Loan Application Amount $231,829
Highest Mortgage Loan Application Amount $1,080,000
Average Applicant Income $108,096
Highest Applicant Income $1,081,000

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Act (HMDA) records Goldwater Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Kootenai, Idaho 188 $ 36,858,000 $ 196,053 $ 85,000
Larimer, Colorado 174 $ 40,453,000 $ 232,488 $ 116,000
Denver, Colorado 127 $ 32,705,000 $ 257,519 $ 128,000
Arapahoe, Colorado 110 $ 27,601,000 $ 250,918 $ 126,000
Spokane, Washington 96 $ 16,501,000 $ 171,885 $ 78,000
Douglas, Colorado 88 $ 26,211,000 $ 297,852 $ 140,000
Boulder, Colorado 87 $ 23,061,000 $ 265,068 $ 118,000
Maricopa, Arizona 79 $ 14,717,000 $ 186,291 $ 80,000
Jefferson, Colorado 67 $ 16,879,000 $ 251,925 $ 110,000
Gunnison, Colorado 58 $ 13,312,000 $ 229,517 $ 94,000
Weld, Colorado 42 $ 9,009,000 $ 214,500 $ 90,000
Adams, Colorado 39 $ 8,335,000 $ 213,717 $ 88,000
Bonner, Idaho 35 $ 6,569,000 $ 187,685 $ 98,000
Las Animas, Colorado 12 $ 1,675,000 $ 139,583 $ 86,000
Yellowstone, Montana 12 $ 3,006,000 $ 250,500 $ 90,000
San Diego, California 10 $ 3,168,000 $ 316,800 $ 101,000
Shoshone, Idaho 10 $ 1,365,000 $ 136,500 $ 60,000
King, Washington 10 $ 2,820,000 $ 282,000 $ 161,000
Pend Oreille, Washington 10 $ 1,521,000 $ 152,100 $ 93,000
Orange, California 9 $ 4,097,000 $ 455,222 $ 178,000
Broomfield, Colorado 9 $ 2,097,000 $ 233,000 $ 118,000
El Paso, Colorado 9 $ 1,704,000 $ 189,333 $ 60,000
Los Angeles, California 8 $ 4,069,000 $ 508,625 $ 196,000
Chaffee, Colorado 8 $ 1,920,000 $ 240,000 $ 83,000
Huerfano, Colorado 8 $ 1,548,000 $ 193,500 $ 99,000
Park, Colorado 7 $ 1,283,000 $ 183,285 $ 113,000
Pierce, Washington 7 $ 1,432,000 $ 204,571 $ 193,000
Summit, Colorado 6 $ 1,598,000 $ 266,333 $ 167,000
Cook, Illinois 6 $ 1,690,000 $ 281,666 $ 161,000
Placer, California 5 $ 2,193,000 $ 438,600 $ 125,000
Riverside, California 5 $ 1,333,000 $ 266,600 $ 141,000
San Bernardino, California 5 $ 1,204,000 $ 240,800 $ 73,000
Eagle, Colorado 5 $ 2,597,000 $ 519,400 $ 179,000
Garfield, Colorado 5 $ 1,525,000 $ 305,000 $ 221,000
Gilpin, Colorado 5 $ 1,030,000 $ 206,000 $ 74,000
Maui, Hawaii 4 $ 1,648,000 $ 412,000 $ 126,000
Dallas, Texas 4 $ 401,000 $ 100,250 $ 42,000
Harris, Texas 4 $ 678,000 $ 169,500 $ 123,000
Humboldt, California 3 $ 590,000 $ 196,666 $ 111,000
Marin, California 3 $ 1,107,000 $ 369,000 $ 126,000
Elbert, Colorado 3 $ 605,000 $ 201,666 $ 97,000
La Plata, Colorado 3 $ 629,000 $ 209,666 $ 132,000
Ouray, Colorado 3 $ 697,000 $ 232,333 $ 59,000
Duval, Florida 3 $ 320,000 $ 106,666 $ 81,000
Montgomery, Kansas 3 $ 209,000 $ 69,666 $ 219,000
Clark, Nevada 3 $ 1,602,000 $ 534,000 $ 371,000
Cumberland, North Carolina 3 $ 338,000 $ 112,666 $ 42,000
Wake, North Carolina 3 $ 680,000 $ 226,666 $ 80,000
Shelby, Tennessee 3 $ 167,000 $ 55,666 $ 81,000
Mason, Washington 3 $ 796,000 $ 265,333 $ 237,000
Park, Wyoming 3 $ 574,000 $ 191,333 $ 90,000
Pima, Arizona 2 $ 635,000 $ 317,500 $ 485,000
Alameda, California 2 $ 519,000 $ 259,500 $ 63,000
Hinsdale, Colorado 2 $ 324,000 $ 162,000 $ 48,000
Montezuma, Colorado 2 $ 220,000 $ 110,000 $ 108,000
Pitkin, Colorado 2 $ 1,037,000 $ 518,500 $ 279,000
Rio Grande, Colorado 2 $ 312,000 $ 156,000 $ 30,000
District of Columbia, District Of Columbia 2 $ 572,000 $ 286,000 $ 111,000
Hillsborough, Florida 2 $ 509,000 $ 254,500 $ 125,000
Martin, Florida 2 $ 834,000 $ 417,000 $ 205,000
Volusia, Florida 2 $ 554,000 $ 277,000 $ 118,000
Lafayette, Louisiana 2 $ 286,000 $ 143,000 $ 73,000
Missoula, Montana 2 $ 414,000 $ 207,000 $ 91,000
Kimball, Nebraska 2 $ 173,000 $ 86,500 $ 143,000
Catawba, North Carolina 2 $ 472,000 $ 236,000 $ 122,000
Mecklenburg, North Carolina 2 $ 643,000 $ 321,500 $ 127,000
Clackamas, Oregon 2 $ 585,000 $ 292,500 $ 110,000
Multnomah, Oregon 2 $ 521,000 $ 260,500 $ 91,000
Bexar, Texas 2 $ 310,000 $ 155,000 $ 48,000
Denton, Texas 2 $ 710,000 $ 355,000 $ 151,000
Salt Lake, Utah 2 $ 282,000 $ 141,000 $ 73,000
Benton, Washington 2 $ 399,000 $ 199,500 $ 69,000
Clark, Washington 2 $ 451,000 $ 225,500 $ 42,000
Snohomish, Washington 2 $ 619,000 $ 309,500 $ 80,000
Whitman, Washington 2 $ 342,000 $ 171,000 $ 82,000
Anchorage, Alaska 1 $ 210,000 $ 210,000 $ 135,000
Navajo, Arizona 1 $ 120,000 $ 120,000 $ 43,000
Pinal, Arizona 1 $ 127,000 $ 127,000 $ 75,000
Contra Costa, California 1 $ 873,000 $ 873,000 $ 390,000
Madera, California 1 $ 358,000 $ 358,000 $ 290,000
Sacramento, California 1 $ 282,000 $ 282,000 $ 72,000
San Luis Obispo, California 1 $ 561,000 $ 561,000 $ 216,000
San Mateo, California 1 $ 417,000 $ 417,000 $ 276,000
Santa Clara, California 1 $ 245,000 $ 245,000 $ 200,000
Ventura, California 1 $ 175,000 $ 175,000 $ 76,000
Alamosa, Colorado 1 $ 192,000 $ 192,000 $ 71,000
Clear Creek, Colorado 1 $ 85,000 $ 85,000 $ 84,000
Conejos, Colorado 1 $ 63,000 $ 63,000 $ 32,000
Costilla, Colorado 1 $ 51,000 $ 51,000 $ 30,000
Custer, Colorado 1 $ 410,000 $ 410,000 $ 162,000
Grand, Colorado 1 $ 207,000 $ 207,000 $ 142,000
Mesa, Colorado 1 $ 222,000 $ 222,000 $ 54,000
Moffat, Colorado 1 $ 100,000 $ 100,000 $ 59,000
Routt, Colorado 1 $ 300,000 $ 300,000 $ 201,000
Saguache, Colorado 1 $ 216,000 $ 216,000 $ 42,000
Fairfield, Connecticut 1 $ 430,000 $ 430,000 $ 97,000
Broward, Florida 1 $ 121,000 $ 121,000 $ 30,000
Collier, Florida 1 $ 858,000 $ 858,000 $ 693,000
Palm Beach, Florida 1 $ 205,000 $ 205,000 $ 248,000
Pasco, Florida 1 $ 343,000 $ 343,000 $ 108,000
Cherokee, Georgia 1 $ 197,000 $ 197,000 $ 57,000
Cook, Georgia 1 $ 49,000 $ 49,000 $ 21,000
DeKalb, Georgia 1 $ 413,000 $ 413,000 $ 134,000
Fulton, Georgia 1 $ 73,000 $ 73,000 $ 88,000
Lowndes, Georgia 1 $ 400,000 $ 400,000 $ 88,000
Honolulu, Hawaii 1 $ 87,000 $ 87,000 $ 104,000
Ada, Idaho 1 $ 209,000 $ 209,000 $ 115,000
Benewah, Idaho 1 $ 97,000 $ 97,000 $ 24,000
Boundary, Idaho 1 $ 150,000 $ 150,000 $ 55,000
Elmore, Idaho 1 $ 128,000 $ 128,000 $ 48,000
Nez Perce, Idaho 1 $ 260,000 $ 260,000 $ 63,000
Payette, Idaho 1 $ 143,000 $ 143,000 $ 127,000
Twin Falls, Idaho 1 $ 210,000 $ 210,000 $ 75,000
DuPage, Illinois 1 $ 277,000 $ 277,000 $ 233,000
LaSalle, Illinois 1 $ 515,000 $ 515,000 $ 152,000
Winnebago, Illinois 1 $ 161,000 $ 161,000 $ 0
Clark, Indiana 1 $ 184,000 $ 184,000 $ 94,000
St. Joseph, Indiana 1 $ 43,000 $ 43,000 $ 22,000
Dallas, Iowa 1 $ 293,000 $ 293,000 $ 145,000
Johnson, Kansas 1 $ 270,000 $ 270,000 $ 121,000
Clark, Kentucky 1 $ 289,000 $ 289,000 $ 158,000
Meade, Kentucky 1 $ 140,000 $ 140,000 $ 41,000
Acadia, Louisiana 1 $ 128,000 $ 128,000 $ 65,000
St. Martin, Louisiana 1 $ 100,000 $ 100,000 $ 0
Anne Arundel, Maryland 1 $ 420,000 $ 420,000 $ 93,000
Baltimore City, Maryland 1 $ 92,000 $ 92,000 $ 25,000
Queen Anne's, Maryland 1 $ 205,000 $ 205,000 $ 77,000
Bristol, Massachusetts 1 $ 50,000 $ 50,000 $ 79,000
Plymouth, Massachusetts 1 $ 328,000 $ 328,000 $ 148,000
Macomb, Michigan 1 $ 128,000 $ 128,000 $ 74,000
Washtenaw, Michigan 1 $ 87,000 $ 87,000 $ 24,000
Wayne, Michigan 1 $ 119,000 $ 119,000 $ 56,000
Hennepin, Minnesota 1 $ 417,000 $ 417,000 $ 263,000
Koochiching, Minnesota 1 $ 55,000 $ 55,000 $ 58,000
Clarke, Mississippi 1 $ 217,000 $ 217,000 $ 67,000
DeSoto, Mississippi 1 $ 168,000 $ 168,000 $ 79,000
Hinds, Mississippi 1 $ 372,000 $ 372,000 $ 150,000
Chariton, Missouri 1 $ 130,000 $ 130,000 $ 33,000
Jackson, Missouri 1 $ 120,000 $ 120,000 $ 130,000
Ray, Missouri 1 $ 163,000 $ 163,000 $ 51,000
Flathead, Montana 1 $ 735,000 $ 735,000 $ 135,000
Lincoln, Montana 1 $ 245,000 $ 245,000 $ 60,000
Pondera, Montana 1 $ 126,000 $ 126,000 $ 115,000
Sanders, Montana 1 $ 187,000 $ 187,000 $ 82,000
Stillwater, Montana 1 $ 224,000 $ 224,000 $ 0
Dawes, Nebraska 1 $ 200,000 $ 200,000 $ 67,000
Keith, Nebraska 1 $ 175,000 $ 175,000 $ 55,000
Lancaster, Nebraska 1 $ 158,000 $ 158,000 $ 63,000
Washoe, Nevada 1 $ 108,000 $ 108,000 $ 25,000
Mercer, New Jersey 1 $ 304,000 $ 304,000 $ 132,000
Santa Fe, New Mexico 1 $ 110,000 $ 110,000 $ 74,000
Queens, New York 1 $ 300,000 $ 300,000 $ 91,000
Forsyth, North Carolina 1 $ 180,000 $ 180,000 $ 45,000
Mountrail, North Dakota 1 $ 195,000 $ 195,000 $ 89,000
Williams, North Dakota 1 $ 147,000 $ 147,000 $ 44,000
Franklin, Ohio 1 $ 398,000 $ 398,000 $ 226,000
Summit, Ohio 1 $ 133,000 $ 133,000 $ 40,000
Lane, Oregon 1 $ 106,000 $ 106,000 $ 34,000
Union, Oregon 1 $ 134,000 $ 134,000 $ 0
Allegheny, Pennsylvania 1 $ 354,000 $ 354,000 $ 456,000
Bedford, Pennsylvania 1 $ 133,000 $ 133,000 $ 26,000
Bucks, Pennsylvania 1 $ 363,000 $ 363,000 $ 184,000
Montgomery, Pennsylvania 1 $ 100,000 $ 100,000 $ 103,000
Northampton, Pennsylvania 1 $ 285,000 $ 285,000 $ 199,000
Richland, South Carolina 1 $ 51,000 $ 51,000 $ 17,000
Hamilton, Tennessee 1 $ 41,000 $ 41,000 $ 52,000
Knox, Tennessee 1 $ 135,000 $ 135,000 $ 68,000
Robertson, Tennessee 1 $ 374,000 $ 374,000 $ 194,000
Brazoria, Texas 1 $ 176,000 $ 176,000 $ 80,000
El Paso, Texas 1 $ 156,000 $ 156,000 $ 60,000
Lubbock, Texas 1 $ 61,000 $ 61,000 $ 49,000
Tarrant, Texas 1 $ 119,000 $ 119,000 $ 72,000
Travis, Texas 1 $ 152,000 $ 152,000 $ 54,000
Grand, Utah 1 $ 200,000 $ 200,000 $ 133,000
Goochland, Virginia 1 $ 104,000 $ 104,000 $ 63,000
Henrico, Virginia 1 $ 515,000 $ 515,000 $ 224,000
Chelan, Washington 1 $ 70,000 $ 70,000 $ 85,000
Douglas, Washington 1 $ 165,000 $ 165,000 $ 36,000
Grays Harbor, Washington 1 $ 95,000 $ 95,000 $ 72,000
Jefferson, Washington 1 $ 220,000 $ 220,000 $ 179,000
Skagit, Washington 1 $ 247,000 $ 247,000 $ 0
Stevens, Washington 1 $ 190,000 $ 190,000 $ 93,000
Dane, Wisconsin 1 $ 365,000 $ 365,000 $ 230,000
Racine, Wisconsin 1 $ 208,000 $ 208,000 $ 80,000
St. Croix, Wisconsin 1 $ 150,000 $ 150,000 $ 75,000
Natrona, Wyoming 1 $ 140,000 $ 140,000 $ 35,000
Sheridan, Wyoming 1 $ 194,000 $ 194,000 $ 76,000

Mortgage Loan Application Detail Totals for Goldwater Bank, N.A. in 2013

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 821 $191,038,000 $232,000 $1,080,000 $110,000 $1,047,000
Home Purchase 748 $172,523,000 $230,000 $948,000 $106,000 $1,081,000
Home Improvement 3 $875,000 $291,000 $320,000 $110,000 $167,000

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 1,280 $304,450,000 $237,000 $1,080,000 $111,000 $1,081,000
Not Provided 115 $26,264,000 $228,000 $600,000 $123,000 $681,000
Hispanic 76 $14,731,000 $193,000 $859,000 $86,000 $407,000
Asian 72 $13,949,000 $193,000 $398,000 $69,000 $264,000
Black or African American 21 $3,405,000 $162,000 $400,000 $69,000 $108,000
American Indian or Alaskan Native 5 $881,000 $176,000 $209,000 $44,000 $108,000
Native Hawaiian or Other Pacific Islander 3 $756,000 $252,000 $417,000 $94,000 $130,000
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) 1,245 $301,946,000 $242,000 $1,080,000 $122,000 $1,081,000
FHA-insured (Federal Housing Administration) 288 $54,724,000 $190,000 $568,000 $57,000 $288,000
VA-guaranteed (Veterans Administration) 32 $6,696,000 $209,000 $367,000 $71,000 $155,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 7 $1,070,000 $152,000 $226,000 $44,000 $60,000

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 938 $219,947,000 $234,000 $625,000 $111,000 $723,000
Application Withdrawn By Applicant 238 $54,564,000 $229,000 $948,000 $101,000 $1,081,000
Application Approved But Not Accepted 191 $44,363,000 $232,000 $858,000 $116,000 $720,000
Application Denied By Financial Institution 184 $41,455,000 $225,000 $1,080,000 $98,000 $1,047,000
File Closed For Incompleteness 21 $4,107,000 $195,000 $417,000 $78,000 $250,000
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 56 $11,787,000 $210,000 $535,000 $76,000 $1,047,000
Collateral 55 $14,587,000 $265,000 $1,080,000 $123,000 $855,000
Credit History 46 $9,425,000 $204,000 $420,000 $94,000 $230,000
Other 11 $2,865,000 $260,000 $768,000 $131,000 $313,000
Employment History 9 $1,260,000 $140,000 $232,000 $69,000 $268,000
Unverifiable Information 5 $1,197,000 $239,000 $417,000 $97,000 $240,000
Credit Application Incomplete 2 $334,000 $167,000 $281,000 $28,000 $56,000
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 2013 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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