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Act (HMDA) records Goldwater Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 443 | $ 123,505,000 | $ 278,792 | $ 125,000 |
| Fort Collins-Loveland, CO | 252 | $ 55,422,000 | $ 219,928 | $ 96,000 |
| Phoenix-Mesa-Glendale, AZ | 195 | $ 39,109,000 | $ 200,558 | $ 86,000 |
| Spokane, WA | 138 | $ 25,010,000 | $ 181,231 | $ 85,000 |
| Boulder, CO | 124 | $ 35,083,000 | $ 282,927 | $ 119,000 |
| Coeur D'Alene, ID | 97 | $ 20,285,000 | $ 209,123 | $ 88,000 |
| Greeley, CO | 42 | $ 9,467,000 | $ 225,404 | $ 99,000 |
| Los Angeles-Long Beach-Glendale, CA | 20 | $ 8,453,000 | $ 422,650 | $ 132,000 |
| Riverside-San Bernardino-Ontario, CA | 18 | $ 3,724,000 | $ 206,888 | $ 81,000 |
| Seattle-Bellevue-Everett, WA | 16 | $ 4,562,000 | $ 285,125 | $ 92,000 |
| San Diego-Carlsbad-San Marcos, CA | 14 | $ 4,777,000 | $ 341,214 | $ 122,000 |
| Tucson, AZ | 13 | $ 2,647,000 | $ 203,615 | $ 92,000 |
| Billings, MT | 12 | $ 2,221,000 | $ 185,083 | $ 69,000 |
| Colorado Springs, CO | 11 | $ 2,459,000 | $ 223,545 | $ 97,000 |
| Santa Ana-Anaheim-Irvine, CA | 11 | $ 4,093,000 | $ 372,090 | $ 115,000 |
| Chicago-Joliet-Naperville, IL | 6 | $ 1,648,000 | $ 274,666 | $ 286,000 |
| San Francisco-San Mateo-Redwood City, CA | 6 | $ 3,222,000 | $ 537,000 | $ 245,000 |
| Tacoma, WA | 6 | $ 1,598,000 | $ 266,333 | $ 60,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 2,117,000 | $ 352,833 | $ 157,333 |
| Oakland-Fremont-Hayward, CA | 5 | $ 1,553,000 | $ 310,600 | $ 324,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 1,018,000 | $ 203,600 | $ 97,600 |
| Santa Barbara-Santa Maria-Goleta, CA | 5 | $ 2,030,000 | $ 406,000 | $ 185,000 |
| Albuquerque, NM | 4 | $ 719,000 | $ 179,750 | $ 50,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 1,071,000 | $ 267,750 | $ 79,000 |
| Cheyenne, WY | 3 | $ 879,000 | $ 293,000 | $ 298,000 |
| Dallas-Plano-Irving, TX | 3 | $ 1,098,000 | $ 366,000 | $ 212,000 |
| Houston-Sugar Land-Baytown, TX | 3 | $ 2,381,000 | $ 793,666 | $ 340,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 3 | $ 536,000 | $ 178,666 | $ 63,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 542,000 | $ 271,000 | $ 97,000 |
| Baltimore-Towson, MD | 2 | $ 731,000 | $ 365,500 | $ 163,000 |
| Bellingham, WA | 2 | $ 486,000 | $ 243,000 | $ 71,000 |
| Birmingham-Hoover, AL | 2 | $ 242,000 | $ 121,000 | $ 82,000 |
| Boise City-Nampa, ID | 2 | $ 195,000 | $ 97,500 | $ 63,000 |
| Des Moines-West Des Moines, IA | 2 | $ 319,000 | $ 159,500 | $ 252,000 |
| Flagstaff, AZ | 2 | $ 339,000 | $ 169,500 | $ 173,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 924,000 | $ 462,000 | $ 311,000 |
| Honolulu, HI | 2 | $ 536,000 | $ 268,000 | $ 117,000 |
| Kansas City, MO-KS | 2 | $ 582,000 | $ 291,000 | $ 74,000 |
| Las Vegas-Paradise, NV | 2 | $ 619,000 | $ 309,500 | $ 93,000 |
| Lewiston, ID-WA | 2 | $ 335,000 | $ 167,500 | $ 41,000 |
| Madison, WI | 2 | $ 294,000 | $ 147,000 | $ 46,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 593,000 | $ 296,500 | $ 199,000 |
| Missoula, MT | 2 | $ 487,000 | $ 243,500 | $ 153,000 |
| Modesto, CA | 2 | $ 502,000 | $ 251,000 | $ 110,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 237,000 | $ 118,500 | $ 146,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 508,000 | $ 254,000 | $ 235,000 |
| Philadelphia, PA | 2 | $ 272,000 | $ 136,000 | $ 17,000 |
| Prescott, AZ | 2 | $ 397,000 | $ 198,500 | $ 158,000 |
| Salt Lake City, UT | 2 | $ 291,000 | $ 145,500 | $ 73,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 710,000 | $ 355,000 | $ 153,000 |
| Springfield, MO | 2 | $ 222,000 | $ 111,000 | $ 135,000 |
| Appleton, WI | 1 | $ 199,000 | $ 199,000 | $ 185,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 280,000 | $ 280,000 | $ 73,000 |
| Barnstable Town, MA | 1 | $ 248,000 | $ 248,000 | $ 44,000 |
| Bend, OR | 1 | $ 200,000 | $ 200,000 | $ 55,000 |
| Bloomington, IN | 1 | $ 130,000 | $ 130,000 | $ 299,000 |
| Bremerton-Silverdale, WA | 1 | $ 226,000 | $ 226,000 | $ 62,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 417,000 | $ 417,000 | $ 262,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 104,000 | $ 104,000 | $ 100,000 |
| Columbus, OH | 1 | $ 200,000 | $ 200,000 | $ 132,000 |
| Corvallis, OR | 1 | $ 158,000 | $ 158,000 | $ 40,000 |
| Durham-Chapel Hill, NC | 1 | $ 142,000 | $ 142,000 | $ 102,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 163,000 | $ 163,000 | $ 67,000 |
| Grand Junction, CO | 1 | $ 164,000 | $ 164,000 | $ 60,000 |
| Green Bay, WI | 1 | $ 155,000 | $ 155,000 | $ 648,000 |
| Janesville, WI | 1 | $ 142,000 | $ 142,000 | $ 54,000 |
| Kankakee-Bradley, IL | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 124,000 | $ 124,000 | $ 48,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 167,000 | $ 167,000 | $ 106,000 |
| Lexington-Fayette, KY | 1 | $ 227,000 | $ 227,000 | $ 80,000 |
| Memphis, TN-MS-AR | 1 | $ 83,000 | $ 83,000 | $ 90,000 |
| Midland, TX | 1 | $ 1,100,000 | $ 1,100,000 | $ 719,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 193,000 | $ 193,000 | $ 45,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 157,000 | $ 157,000 | $ 59,000 |
| Nassau-Suffolk, NY | 1 | $ 626,000 | $ 626,000 | $ 266,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 225,000 | $ 225,000 | $ 80,000 |
| Ogden-Clearfield, UT | 1 | $ 164,000 | $ 164,000 | $ 82,000 |
| Oklahoma City, OK | 1 | $ 177,000 | $ 177,000 | $ 42,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 750,000 | $ 750,000 | $ 287,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 136,000 | $ 136,000 | $ 46,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 183,000 | $ 183,000 | $ 56,000 |
| Pueblo, CO | 1 | $ 104,000 | $ 104,000 | $ 75,000 |
| Punta Gorda, FL | 1 | $ 160,000 | $ 160,000 | $ 145,000 |
| Reno-Sparks, NV | 1 | $ 161,000 | $ 161,000 | $ 46,000 |
| Rockford, IL | 1 | $ 161,000 | $ 161,000 | $ 12,000 |
| Rockingham County-Strafford County, NH | 1 | $ 376,000 | $ 376,000 | $ 211,000 |
| Salinas, CA | 1 | $ 380,000 | $ 380,000 | $ 70,000 |
| San Antonio-New Braunfels, TX | 1 | $ 379,000 | $ 379,000 | $ 175,000 |
| Santa Fe, NM | 1 | $ 318,000 | $ 318,000 | $ 167,000 |
| Sioux Falls, SD | 1 | $ 140,000 | $ 140,000 | $ 128,000 |
| St. Louis, MO-IL | 1 | $ 120,000 | $ 120,000 | $ 56,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 137,000 | $ 137,000 | $ 88,000 |
| Wenatchee-East Wenatchee, WA | 1 | $ 145,000 | $ 145,000 | $ 12,000 |
| Yakima, WA | 1 | $ 124,000 | $ 124,000 | $ 41,000 |
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.
For a list of all lenders in Arizona, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About