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Act (HMDA) records Goldwater Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Denver-Aurora-Broomfield, CO | 182 | $ 48,727,000 | $ 267,730 | $ 116,000 |
| Fort Collins-Loveland, CO | 56 | $ 10,417,000 | $ 186,017 | $ 110,000 |
| Boulder, CO | 52 | $ 13,415,000 | $ 257,980 | $ 131,000 |
| Phoenix-Mesa-Glendale, AZ | 44 | $ 8,218,000 | $ 186,772 | $ 88,000 |
| Spokane, WA | 34 | $ 6,235,000 | $ 183,382 | $ 88,000 |
| Coeur D'Alene, ID | 29 | $ 5,310,000 | $ 183,103 | $ 63,000 |
| Los Angeles-Long Beach-Glendale, CA | 17 | $ 9,360,000 | $ 550,588 | $ 210,000 |
| Omaha-Council Bluffs, NE-IA | 12 | $ 2,366,000 | $ 197,166 | $ 123,833 |
| Greeley, CO | 11 | $ 2,254,000 | $ 204,909 | $ 81,000 |
| Atlanta-Sandy Springs-Marietta, GA | 10 | $ 2,041,000 | $ 204,100 | $ 93,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 2,517,000 | $ 359,571 | $ 133,000 |
| Austin-Round Rock-San Marcos, TX | 6 | $ 1,418,000 | $ 236,333 | $ 171,000 |
| Colorado Springs, CO | 6 | $ 1,027,000 | $ 171,166 | $ 127,000 |
| Dallas-Plano-Irving, TX | 6 | $ 2,464,000 | $ 410,666 | $ 205,000 |
| Santa Ana-Anaheim-Irvine, CA | 6 | $ 2,517,000 | $ 419,500 | $ 142,000 |
| Chicago-Joliet-Naperville, IL | 5 | $ 699,000 | $ 139,800 | $ 113,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 2,681,000 | $ 536,200 | $ 178,000 |
| Tacoma, WA | 4 | $ 742,000 | $ 185,500 | $ 56,000 |
| Tucson, AZ | 4 | $ 717,000 | $ 179,250 | $ 75,000 |
| Boston-Quincy, MA | 3 | $ 949,000 | $ 316,333 | $ 136,000 |
| Edison-New Brunswick, NJ | 3 | $ 789,000 | $ 263,000 | $ 233,000 |
| Fort Worth-Arlington, TX | 3 | $ 476,000 | $ 158,666 | $ 97,000 |
| Honolulu, HI | 3 | $ 1,494,000 | $ 498,000 | $ 122,000 |
| Houston-Sugar Land-Baytown, TX | 3 | $ 461,000 | $ 153,666 | $ 67,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 601,000 | $ 200,333 | $ 87,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 1,279,000 | $ 426,333 | $ 243,333 |
| Newark-Union, NJ-PA | 3 | $ 953,000 | $ 317,666 | $ 95,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 1,328,000 | $ 442,666 | $ 169,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 1,539,000 | $ 513,000 | $ 191,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 1,264,000 | $ 421,333 | $ 122,000 |
| Baltimore-Towson, MD | 2 | $ 932,000 | $ 466,000 | $ 149,000 |
| Boise City-Nampa, ID | 2 | $ 246,000 | $ 123,000 | $ 113,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 547,000 | $ 273,500 | $ 210,000 |
| Jackson, MS | 2 | $ 220,000 | $ 110,000 | $ 173,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 1,092,000 | $ 546,000 | $ 200,000 |
| New Haven-Milford, CT | 2 | $ 582,000 | $ 291,000 | $ 174,000 |
| Oklahoma City, OK | 2 | $ 242,000 | $ 121,000 | $ 75,000 |
| Provo-Orem, UT | 2 | $ 677,000 | $ 338,500 | $ 36,000 |
| Reno-Sparks, NV | 2 | $ 442,000 | $ 221,000 | $ 69,000 |
| Rockingham County-Strafford County, NH | 2 | $ 395,000 | $ 197,500 | $ 77,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 284,000 | $ 142,000 | $ 51,000 |
| San Antonio-New Braunfels, TX | 2 | $ 301,000 | $ 150,500 | $ 83,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 785,000 | $ 392,500 | $ 440,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 579,000 | $ 289,500 | $ 129,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 775,000 | $ 387,500 | $ 142,000 |
| Vallejo-Fairfield, CA | 2 | $ 479,000 | $ 239,500 | $ 400,000 |
| Worcester, MA | 2 | $ 360,000 | $ 180,000 | $ 84,000 |
| Albuquerque, NM | 1 | $ 292,000 | $ 292,000 | $ 75,000 |
| Anchorage, AK | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Ann Arbor, MI | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Barnstable Town, MA | 1 | $ 417,000 | $ 417,000 | $ 213,000 |
| Baton Rouge, LA | 1 | $ 292,000 | $ 292,000 | $ 113,000 |
| Bethesda-Rockville-Frederick, MD | 1 | $ 508,000 | $ 508,000 | $ 125,000 |
| Bloomington, IN | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Canton-Massillon, OH | 1 | $ 127,000 | $ 127,000 | $ 23,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 259,000 | $ 259,000 | $ 117,000 |
| Chattanooga, TN-GA | 1 | $ 210,000 | $ 210,000 | $ 260,000 |
| Cheyenne, WY | 1 | $ 128,000 | $ 128,000 | $ 26,000 |
| Duluth, MN-WI | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Durham-Chapel Hill, NC | 1 | $ 160,000 | $ 160,000 | $ 159,000 |
| Erie, PA | 1 | $ 300,000 | $ 300,000 | $ 96,000 |
| Fairbanks, AK | 1 | $ 156,000 | $ 156,000 | $ 68,000 |
| Grand Forks, ND-MN | 1 | $ 244,000 | $ 244,000 | $ 1,000 |
| Janesville, WI | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 387,000 | $ 387,000 | $ 200,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 583,000 | $ 583,000 | $ 399,000 |
| Las Vegas-Paradise, NV | 1 | $ 156,000 | $ 156,000 | $ 1,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 142,000 | $ 142,000 | $ 41,000 |
| Madison, WI | 1 | $ 779,000 | $ 779,000 | $ 286,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Nassau-Suffolk, NY | 1 | $ 300,000 | $ 300,000 | $ 82,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 431,000 | $ 431,000 | $ 385,000 |
| Ogden-Clearfield, UT | 1 | $ 164,000 | $ 164,000 | $ 76,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 230,000 | $ 230,000 | $ 85,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 542,000 | $ 542,000 | $ 150,000 |
| Pascagoula, MS | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
| Peabody, MA | 1 | $ 360,000 | $ 360,000 | $ 174,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 126,000 | $ 126,000 | $ 67,000 |
| Prescott, AZ | 1 | $ 71,000 | $ 71,000 | $ 24,000 |
| Pueblo, CO | 1 | $ 385,000 | $ 385,000 | $ 126,000 |
| Salem, OR | 1 | $ 141,000 | $ 141,000 | $ 62,000 |
| Salinas, CA | 1 | $ 413,000 | $ 413,000 | $ 160,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 169,000 | $ 169,000 | $ 88,000 |
| Sioux City, IA-NE-SD | 1 | $ 156,000 | $ 156,000 | $ 103,000 |
| Springfield, OH | 1 | $ 115,000 | $ 115,000 | $ 51,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 360,000 | $ 360,000 | $ 150,000 |
| Tulsa, OK | 1 | $ 106,000 | $ 106,000 | $ 12,000 |
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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