Goldwater Bank, N.A. Mortgage Lending & HMDA Data, 2018
In 2018, Goldwater Bank, N.A. of Phoenix, AZ reported 6,765 mortgage applications totaling $1.7 billion, down 13% from 2017. The average application was for $245,094, and applicants reported an average income of $94,585. 58% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (456), Houston-The Woodlands-Sugar Land, TX (383) and Oakland-Hayward-Berkeley, CA (366) (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 | 6,765 |
| Total Mortgage Loan Application Amount | $1,658,065,000 |
| Average Mortgage Loan Application Amount | $245,094 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $94,585 |
| Highest Applicant Income | $9,810,000 |
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Act (HMDA) records Goldwater Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 658 | $ 125,380,000 | $ 190,547 | $ 79,655 |
| Atlanta-Sandy Springs-Roswell, GA | 456 | $ 90,620,000 | $ 198,728 | $ 80,000 |
| Houston-The Woodlands-Sugar Land, TX | 383 | $ 90,025,000 | $ 235,052 | $ 126,000 |
| Oakland-Hayward-Berkeley, CA | 366 | $ 166,780,000 | $ 455,683 | $ 129,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 363 | $ 89,995,000 | $ 247,920 | $ 93,272 |
| Tacoma-Lakewood, WA | 269 | $ 82,525,000 | $ 306,784 | $ 95,000 |
| Cleveland-Elyria, OH | 249 | $ 40,635,000 | $ 163,192 | $ 84,000 |
| Ocala, FL | 220 | $ 30,480,000 | $ 138,545 | $ 62,000 |
| Shreveport-Bossier City, LA | 183 | $ 31,965,000 | $ 174,672 | $ 81,000 |
| Dallas-Plano-Irving, TX | 134 | $ 35,240,000 | $ 262,985 | $ 122,000 |
| Boise City, ID | 125 | $ 28,975,000 | $ 231,800 | $ 82,000 |
| Austin-Round Rock, TX | 120 | $ 31,240,000 | $ 260,333 | $ 117,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 118 | $ 39,880,000 | $ 337,966 | $ 98,457 |
| Birmingham-Hoover, AL | 103 | $ 16,555,000 | $ 160,728 | $ 95,000 |
| Las Vegas-Henderson-Paradise, NV | 101 | $ 25,315,000 | $ 250,643 | $ 87,000 |
| Oklahoma City, OK | 100 | $ 18,930,000 | $ 189,300 | $ 97,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 98 | $ 30,940,000 | $ 315,714 | $ 114,000 |
| St. Louis, MO-IL | 90 | $ 13,610,000 | $ 151,222 | $ 88,555 |
| Seattle-Bellevue-Everett, WA | 87 | $ 31,055,000 | $ 356,954 | $ 97,000 |
| Tampa-St. Petersburg-Clearwater, FL | 87 | $ 16,165,000 | $ 185,804 | $ 75,000 |
| Olympia-Tumwater, WA | 73 | $ 21,865,000 | $ 299,520 | $ 91,000 |
| Fort Worth-Arlington, TX | 72 | $ 14,960,000 | $ 207,777 | $ 95,000 |
| Lake Charles, LA | 71 | $ 12,655,000 | $ 178,239 | $ 76,000 |
| Baltimore-Columbia-Towson, MD | 58 | $ 20,990,000 | $ 361,896 | $ 115,000 |
| Gadsden, AL | 56 | $ 8,840,000 | $ 157,857 | $ 65,000 |
| Akron, OH | 55 | $ 9,075,000 | $ 165,000 | $ 105,000 |
| Vallejo-Fairfield, CA | 55 | $ 18,685,000 | $ 339,727 | $ 108,000 |
| Huntsville, AL | 52 | $ 9,900,000 | $ 190,384 | $ 68,000 |
| Phoenix-Mesa-Scottsdale, AZ | 51 | $ 14,675,000 | $ 287,745 | $ 100,000 |
| Silver Spring-Frederick-Rockville, MD | 46 | $ 19,000,000 | $ 413,043 | $ 329,000 |
| Stockton-Lodi, CA | 43 | $ 14,525,000 | $ 337,790 | $ 84,000 |
| Naples-Immokalee-Marco Island, FL | 42 | $ 13,100,000 | $ 311,904 | $ 77,000 |
| Kansas City, MO-KS | 39 | $ 6,925,000 | $ 177,564 | $ 68,230 |
| Memphis, TN-MS-AR | 39 | $ 3,775,000 | $ 96,794 | $ 115,102 |
| Albuquerque, NM | 34 | $ 7,850,000 | $ 230,882 | $ 92,000 |
| Homosassa Springs, FL | 34 | $ 4,780,000 | $ 140,588 | $ 60,000 |
| Louisville/Jefferson County, KY-IN | 34 | $ 6,330,000 | $ 186,176 | $ 77,411 |
| San Antonio-New Braunfels, TX | 34 | $ 7,290,000 | $ 214,411 | $ 117,000 |
| Riverside-San Bernardino-Ontario, CA | 31 | $ 9,725,000 | $ 313,709 | $ 91,000 |
| Asheville, NC | 29 | $ 6,865,000 | $ 236,724 | $ 92,000 |
| Chicago-Naperville-Arlington Heights, IL | 29 | $ 6,945,000 | $ 239,482 | $ 106,000 |
| Jacksonville, FL | 29 | $ 6,375,000 | $ 219,827 | $ 70,000 |
| Los Angeles-Long Beach-Glendale, CA | 28 | $ 12,660,000 | $ 452,142 | $ 122,000 |
| Warren-Troy-Farmington Hills, MI | 28 | $ 5,620,000 | $ 200,714 | $ 64,000 |
| Colorado Springs, CO | 27 | $ 6,515,000 | $ 241,296 | $ 73,000 |
| St. George, UT | 26 | $ 7,920,000 | $ 304,615 | $ 121,000 |
| Denver-Aurora-Lakewood, CO | 25 | $ 10,525,000 | $ 421,000 | $ 102,000 |
| San Francisco-Redwood City-South San Francisco, CA | 25 | $ 17,525,000 | $ 701,000 | $ 182,000 |
| Brownsville-Harlingen, TX | 24 | $ 4,940,000 | $ 205,833 | $ 111,000 |
| New Orleans-Metairie, LA | 23 | $ 4,715,000 | $ 205,000 | $ 74,000 |
| Orlando-Kissimmee-Sanford, FL | 23 | $ 6,275,000 | $ 272,826 | $ 93,000 |
| Boston, MA | 21 | $ 6,765,000 | $ 322,142 | $ 74,000 |
| Cape Coral-Fort Myers, FL | 20 | $ 3,780,000 | $ 189,000 | $ 58,000 |
| Charlotte-Concord-Gastonia, NC-SC | 20 | $ 5,200,000 | $ 260,000 | $ 95,250 |
| San Jose-Sunnyvale-Santa Clara, CA | 20 | $ 14,440,000 | $ 722,000 | $ 213,000 |
| New York-Jersey City-White Plains, NY-NJ | 19 | $ 7,285,000 | $ 383,421 | $ 138,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 19 | $ 5,275,000 | $ 277,631 | $ 78,421 |
| Port St. Lucie, FL | 18 | $ 3,870,000 | $ 215,000 | $ 72,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 18 | $ 4,950,000 | $ 275,000 | $ 84,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 17 | $ 5,205,000 | $ 306,176 | $ 117,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 16 | $ 2,990,000 | $ 186,875 | $ 88,000 |
| Modesto, CA | 16 | $ 3,900,000 | $ 243,750 | $ 72,000 |
| Ogden-Clearfield, UT | 16 | $ 4,180,000 | $ 261,250 | $ 75,000 |
| Providence-Warwick, RI-MA | 16 | $ 3,900,000 | $ 243,750 | $ 68,750 |
| Knoxville, TN | 15 | $ 3,355,000 | $ 223,666 | $ 82,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 14 | $ 3,960,000 | $ 282,857 | $ 80,000 |
| Anniston-Oxford-Jacksonville, AL | 13 | $ 1,625,000 | $ 125,000 | $ 67,000 |
| Baton Rouge, LA | 13 | $ 2,795,000 | $ 215,000 | $ 103,000 |
| Canton-Massillon, OH | 13 | $ 1,735,000 | $ 133,461 | $ 57,000 |
| Columbus, OH | 13 | $ 3,505,000 | $ 269,615 | $ 88,000 |
| Philadelphia, PA | 13 | $ 2,705,000 | $ 208,076 | $ 81,000 |
| San Diego-Carlsbad, CA | 13 | $ 6,365,000 | $ 489,615 | $ 115,000 |
| Youngstown-Warren-Boardman, OH-PA | 13 | $ 1,665,000 | $ 128,076 | $ 57,000 |
| Lakeland-Winter Haven, FL | 12 | $ 1,890,000 | $ 157,500 | $ 60,000 |
| North Port-Sarasota-Bradenton, FL | 12 | $ 3,960,000 | $ 330,000 | $ 72,000 |
| Detroit-Dearborn-Livonia, MI | 11 | $ 1,995,000 | $ 181,363 | $ 72,000 |
| Lake Havasu City-Kingman, AZ | 11 | $ 2,065,000 | $ 187,727 | $ 65,000 |
| Omaha-Council Bluffs, NE-IA | 11 | $ 2,265,000 | $ 205,909 | $ 92,363 |
| Palm Bay-Melbourne-Titusville, FL | 11 | $ 1,725,000 | $ 156,818 | $ 93,000 |
| Pueblo, CO | 11 | $ 2,275,000 | $ 206,818 | $ 99,000 |
| Reno, NV | 11 | $ 3,385,000 | $ 307,727 | $ 105,000 |
| Richmond, VA | 11 | $ 2,515,000 | $ 228,636 | $ 66,000 |
| Worcester, MA-CT | 11 | $ 2,375,000 | $ 215,909 | $ 76,818 |
| Anaheim-Santa Ana-Irvine, CA | 10 | $ 9,360,000 | $ 936,000 | $ 371,000 |
| Indianapolis-Carmel-Anderson, IN | 10 | $ 1,430,000 | $ 143,000 | $ 69,000 |
| Raleigh, NC | 10 | $ 2,150,000 | $ 215,000 | $ 64,000 |
| Salt Lake City, UT | 10 | $ 2,740,000 | $ 274,000 | $ 97,000 |
| Augusta-Richmond County, GA-SC | 9 | $ 1,905,000 | $ 211,666 | $ 88,333 |
| Beaumont-Port Arthur, TX | 9 | $ 1,255,000 | $ 139,444 | $ 72,000 |
| Bremerton-Silverdale, WA | 9 | $ 3,235,000 | $ 359,444 | $ 80,000 |
| Camden, NJ | 9 | $ 1,955,000 | $ 217,222 | $ 88,000 |
| Cincinnati, OH-KY-IN | 9 | $ 2,165,000 | $ 240,555 | $ 90,111 |
| Columbia, SC | 9 | $ 1,945,000 | $ 216,111 | $ 73,000 |
| Killeen-Temple, TX | 9 | $ 1,335,000 | $ 148,333 | $ 53,000 |
| Miami-Miami Beach-Kendall, FL | 9 | $ 2,535,000 | $ 281,666 | $ 98,000 |
| Montgomery County-Bucks County-Chester County, PA | 9 | $ 2,715,000 | $ 301,666 | $ 110,000 |
| Newark, NJ-PA | 9 | $ 1,845,000 | $ 205,000 | $ 60,000 |
| Portland-South Portland, ME | 9 | $ 2,075,000 | $ 230,555 | $ 60,000 |
| Spokane-Spokane Valley, WA | 9 | $ 2,155,000 | $ 239,444 | $ 100,000 |
| Urban Honolulu, HI | 9 | $ 4,155,000 | $ 461,666 | $ 95,000 |
| Cambridge-Newton-Framingham, MA | 8 | $ 2,540,000 | $ 317,500 | $ 95,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 8 | $ 1,430,000 | $ 178,750 | $ 78,875 |
| Pensacola-Ferry Pass-Brent, FL | 8 | $ 1,820,000 | $ 227,500 | $ 107,000 |
| Toledo, OH | 8 | $ 1,620,000 | $ 202,500 | $ 129,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 1,620,000 | $ 202,500 | $ 46,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 1,905,000 | $ 272,142 | $ 79,000 |
| Daphne-Fairhope-Foley, AL | 7 | $ 1,195,000 | $ 170,714 | $ 65,000 |
| Duluth, MN-WI | 7 | $ 1,615,000 | $ 230,714 | $ 88,571 |
| Gary, IN | 7 | $ 1,625,000 | $ 232,142 | $ 82,000 |
| Grand Rapids-Wyoming, MI | 7 | $ 1,145,000 | $ 163,571 | $ 143,000 |
| Jackson, MS | 7 | $ 2,105,000 | $ 300,714 | $ 79,000 |
| Lubbock, TX | 7 | $ 1,405,000 | $ 200,714 | $ 155,000 |
| Medford, OR | 7 | $ 1,825,000 | $ 260,714 | $ 88,000 |
| Mobile, AL | 7 | $ 1,065,000 | $ 152,142 | $ 49,000 |
| Pittsburgh, PA | 7 | $ 1,535,000 | $ 219,285 | $ 95,000 |
| Santa Fe, NM | 7 | $ 2,815,000 | $ 402,142 | $ 134,000 |
| Yuma, AZ | 7 | $ 1,055,000 | $ 150,714 | $ 44,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 1,290,000 | $ 215,000 | $ 128,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 1,100,000 | $ 183,333 | $ 84,000 |
| Corpus Christi, TX | 6 | $ 3,430,000 | $ 571,666 | $ 124,000 |
| Eugene, OR | 6 | $ 1,590,000 | $ 265,000 | $ 87,000 |
| Kennewick-Richland, WA | 6 | $ 1,550,000 | $ 258,333 | $ 89,000 |
| Manchester-Nashua, NH | 6 | $ 1,480,000 | $ 246,666 | $ 112,000 |
| McAllen-Edinburg-Mission, TX | 6 | $ 1,130,000 | $ 188,333 | $ 81,000 |
| Milwaukee-Waukesha-West Allis, WI | 6 | $ 1,500,000 | $ 250,000 | $ 96,000 |
| Salem, OR | 6 | $ 1,370,000 | $ 228,333 | $ 64,000 |
| Tuscaloosa, AL | 6 | $ 1,140,000 | $ 190,000 | $ 79,000 |
| Wilmington, NC | 6 | $ 1,530,000 | $ 255,000 | $ 85,000 |
| Winston-Salem, NC | 6 | $ 1,450,000 | $ 241,666 | $ 105,000 |
| Ann Arbor, MI | 5 | $ 1,075,000 | $ 215,000 | $ 53,000 |
| Charleston-North Charleston, SC | 5 | $ 1,605,000 | $ 321,000 | $ 70,000 |
| College Station-Bryan, TX | 5 | $ 1,305,000 | $ 261,000 | $ 137,000 |
| Fayetteville, NC | 5 | $ 765,000 | $ 153,000 | $ 85,000 |
| Fresno, CA | 5 | $ 1,055,000 | $ 211,000 | $ 83,000 |
| Logan, UT-ID | 5 | $ 1,085,000 | $ 217,000 | $ 58,800 |
| Macon-Bibb County, GA | 5 | $ 875,000 | $ 175,000 | $ 147,000 |
| Madison, WI | 5 | $ 1,645,000 | $ 329,000 | $ 95,000 |
| Montgomery, AL | 5 | $ 815,000 | $ 163,000 | $ 102,000 |
| Salisbury, MD-DE | 5 | $ 1,395,000 | $ 279,000 | $ 97,200 |
| Savannah, GA | 5 | $ 1,035,000 | $ 207,000 | $ 62,000 |
| Springfield, MO | 5 | $ 915,000 | $ 183,000 | $ 50,000 |
| Texarkana, TX-AR | 5 | $ 755,000 | $ 151,000 | $ 44,200 |
| Victoria, TX | 5 | $ 725,000 | $ 145,000 | $ 55,000 |
| Anchorage, AK | 4 | $ 840,000 | $ 210,000 | $ 80,000 |
| Bend-Redmond, OR | 4 | $ 1,110,000 | $ 277,500 | $ 95,000 |
| Boulder, CO | 4 | $ 1,260,000 | $ 315,000 | $ 60,000 |
| Chattanooga, TN-GA | 4 | $ 590,000 | $ 147,500 | $ 82,000 |
| Coeur D'Alene, ID | 4 | $ 1,050,000 | $ 262,500 | $ 136,000 |
| Decatur, AL | 4 | $ 610,000 | $ 152,500 | $ 58,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 620,000 | $ 155,000 | $ 40,750 |
| Gulfport-Biloxi-Pascagoula, MS | 4 | $ 1,050,000 | $ 262,500 | $ 101,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 570,000 | $ 142,500 | $ 57,000 |
| Hammond, LA | 4 | $ 1,070,000 | $ 267,500 | $ 96,000 |
| Hartford-West Hartford-East Hartford, CT | 4 | $ 1,200,000 | $ 300,000 | $ 110,000 |
| Lafayette, LA | 4 | $ 750,000 | $ 187,500 | $ 79,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 1,110,000 | $ 277,500 | $ 116,000 |
| Lancaster, PA | 4 | $ 530,000 | $ 132,500 | $ 38,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 2,310,000 | $ 577,500 | $ 115,000 |
| Provo-Orem, UT | 4 | $ 1,470,000 | $ 367,500 | $ 124,000 |
| Salinas, CA | 4 | $ 1,260,000 | $ 315,000 | $ 99,000 |
| Springfield, MA | 4 | $ 860,000 | $ 215,000 | $ 61,000 |
| St. Cloud, MN | 4 | $ 530,000 | $ 132,500 | $ 47,000 |
| Tucson, AZ | 4 | $ 760,000 | $ 190,000 | $ 67,000 |
| Tulsa, OK | 4 | $ 500,000 | $ 125,000 | $ 62,000 |
| Tyler, TX | 4 | $ 670,000 | $ 167,500 | $ 54,000 |
| Visalia-Porterville, CA | 4 | $ 900,000 | $ 225,000 | $ 66,000 |
| Waco, TX | 4 | $ 790,000 | $ 197,500 | $ 90,000 |
| Wichita, KS | 4 | $ 790,000 | $ 197,500 | $ 76,000 |
| Auburn-Opelika, AL | 3 | $ 425,000 | $ 141,666 | $ 32,000 |
| Burlington, NC | 3 | $ 525,000 | $ 175,000 | $ 69,000 |
| Cleveland, TN | 3 | $ 515,000 | $ 171,666 | $ 67,000 |
| Dayton, OH | 3 | $ 805,000 | $ 268,333 | $ 126,000 |
| Elizabethtown-Fort Knox, KY | 3 | $ 375,000 | $ 125,000 | $ 68,000 |
| Flint, MI | 3 | $ 485,000 | $ 161,666 | $ 102,000 |
| Gainesville, FL | 3 | $ 275,000 | $ 91,666 | $ 61,000 |
| Greensboro-High Point, NC | 3 | $ 795,000 | $ 265,000 | $ 99,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 655,000 | $ 218,333 | $ 73,000 |
| Harrisburg-Carlisle, PA | 3 | $ 615,000 | $ 205,000 | $ 82,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 445,000 | $ 148,333 | $ 78,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 575,000 | $ 191,666 | $ 45,666 |
| Lansing-East Lansing, MI | 3 | $ 415,000 | $ 138,333 | $ 52,000 |
| Las Cruces, NM | 3 | $ 825,000 | $ 275,000 | $ 132,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 625,000 | $ 208,333 | $ 93,000 |
| Longview, TX | 3 | $ 805,000 | $ 268,333 | $ 80,000 |
| Odessa, TX | 3 | $ 945,000 | $ 315,000 | $ 116,000 |
| Panama City, FL | 3 | $ 445,000 | $ 148,333 | $ 57,000 |
| Roanoke, VA | 3 | $ 875,000 | $ 291,666 | $ 66,000 |
| Rochester, MN | 3 | $ 785,000 | $ 261,666 | $ 64,000 |
| Santa Rosa, CA | 3 | $ 1,355,000 | $ 451,666 | $ 95,000 |
| Spartanburg, SC | 3 | $ 795,000 | $ 265,000 | $ 80,000 |
| Tallahassee, FL | 3 | $ 485,000 | $ 161,666 | $ 98,000 |
| Yakima, WA | 3 | $ 595,000 | $ 198,333 | $ 84,000 |
| Yuba City, CA | 3 | $ 875,000 | $ 291,666 | $ 77,000 |
| Alexandria, LA | 2 | $ 250,000 | $ 125,000 | $ 83,000 |
| Athens-Clarke County, GA | 2 | $ 290,000 | $ 145,000 | $ 54,000 |
| Barnstable Town, MA | 2 | $ 560,000 | $ 280,000 | $ 48,000 |
| Bellingham, WA | 2 | $ 680,000 | $ 340,000 | $ 83,000 |
| Cape Girardeau, MO-IL | 2 | $ 380,000 | $ 190,000 | $ 77,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 350,000 | $ 175,000 | $ 47,000 |
| Chico, CA | 2 | $ 490,000 | $ 245,000 | $ 36,000 |
| Columbus, GA-AL | 2 | $ 410,000 | $ 205,000 | $ 62,000 |
| Cumberland, MD-WV | 2 | $ 470,000 | $ 235,000 | $ 90,500 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 400,000 | $ 200,000 | $ 53,000 |
| Des Moines-West Des Moines, IA | 2 | $ 440,000 | $ 220,000 | $ 123,000 |
| Durham-Chapel Hill, NC | 2 | $ 470,000 | $ 235,000 | $ 72,000 |
| East Stroudsburg, PA | 2 | $ 440,000 | $ 220,000 | $ 41,000 |
| Fargo, ND-MN | 2 | $ 380,000 | $ 190,000 | $ 56,000 |
| Fort Smith, AR-OK | 2 | $ 260,000 | $ 130,000 | $ 82,500 |
| Gainesville, GA | 2 | $ 180,000 | $ 90,000 | $ 25,000 |
| Grand Junction, CO | 2 | $ 460,000 | $ 230,000 | $ 73,000 |
| Great Falls, MT | 2 | $ 430,000 | $ 215,000 | $ 74,000 |
| Greeley, CO | 2 | $ 500,000 | $ 250,000 | $ 45,000 |
| Greenville, NC | 2 | $ 170,000 | $ 85,000 | $ 43,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 380,000 | $ 190,000 | $ 138,000 |
| Hinesville, GA | 2 | $ 330,000 | $ 165,000 | $ 80,000 |
| Hot Springs, AR | 2 | $ 300,000 | $ 150,000 | $ 78,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 290,000 | $ 145,000 | $ 75,000 |
| Idaho Falls, ID | 2 | $ 470,000 | $ 235,000 | $ 126,000 |
| Jackson, TN | 2 | $ 240,000 | $ 120,000 | $ 50,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 640,000 | $ 320,000 | $ 82,000 |
| Lawton, OK | 2 | $ 100,000 | $ 50,000 | $ 49,000 |
| Longview, WA | 2 | $ 580,000 | $ 290,000 | $ 75,000 |
| Manhattan, KS | 2 | $ 380,000 | $ 190,000 | $ 52,000 |
| Mansfield, OH | 2 | $ 220,000 | $ 110,000 | $ 36,000 |
| Merced, CA | 2 | $ 580,000 | $ 290,000 | $ 53,000 |
| Missoula, MT | 2 | $ 480,000 | $ 240,000 | $ 104,000 |
| Ocean City, NJ | 2 | $ 340,000 | $ 170,000 | $ 55,000 |
| Punta Gorda, FL | 2 | $ 450,000 | $ 225,000 | $ 68,000 |
| Redding, CA | 2 | $ 530,000 | $ 265,000 | $ 51,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 250,000 | $ 125,000 | $ 71,000 |
| Sebastian-Vero Beach, FL | 2 | $ 510,000 | $ 255,000 | $ 85,000 |
| Sioux City, IA-NE-SD | 2 | $ 250,000 | $ 125,000 | $ 65,500 |
| South Bend-Mishawaka, IN-MI | 2 | $ 410,000 | $ 205,000 | $ 119,000 |
| St. Joseph, MO-KS | 2 | $ 390,000 | $ 195,000 | $ 93,000 |
| Walla Walla, WA | 2 | $ 570,000 | $ 285,000 | $ 78,000 |
| Abilene, TX | 1 | $ 105,000 | $ 105,000 | $ 109,000 |
| Amarillo, TX | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Bakersfield, CA | 1 | $ 375,000 | $ 375,000 | $ 55,000 |
| Battle Creek, MI | 1 | $ 75,000 | $ 75,000 | $ 27,000 |
| Beckley, WV | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Billings, MT | 1 | $ 205,000 | $ 205,000 | $ 38,000 |
| Brunswick, GA | 1 | $ 305,000 | $ 305,000 | $ 90,000 |
| California-Lexington Park, MD | 1 | $ 255,000 | $ 255,000 | $ 67,000 |
| Cedar Rapids, IA | 1 | $ 285,000 | $ 285,000 | $ 313,000 |
| Champaign-Urbana, IL | 1 | $ 175,000 | $ 175,000 | $ 110,000 |
| Cheyenne, WY | 1 | $ 265,000 | $ 265,000 | $ 85,000 |
| Clarksville, TN-KY | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Dover, DE | 1 | $ 225,000 | $ 225,000 | $ 66,000 |
| Eau Claire, WI | 1 | $ 195,000 | $ 195,000 | $ 70,000 |
| El Paso, TX | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| Fairbanks, AK | 1 | $ 325,000 | $ 325,000 | $ 77,000 |
| Flagstaff, AZ | 1 | $ 255,000 | $ 255,000 | $ 81,000 |
| Florence-Muscle Shoals, AL | 1 | $ 185,000 | $ 185,000 | $ 123,000 |
| Fort Collins, CO | 1 | $ 205,000 | $ 205,000 | $ 85,000 |
| Fort Wayne, IN | 1 | $ 135,000 | $ 135,000 | $ 74,000 |
| Grand Forks, ND-MN | 1 | $ 245,000 | $ 245,000 | $ 122,000 |
| Grand Island, NE | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Green Bay, WI | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
| Hanford-Corcoran, CA | 1 | $ 195,000 | $ 195,000 | $ 48,000 |
| Harrisonburg, VA | 1 | $ 275,000 | $ 275,000 | $ 117,000 |
| Houma-Thibodaux, LA | 1 | $ 305,000 | $ 305,000 | $ 70,000 |
| Jackson, MI | 1 | $ 25,000 | $ 25,000 | $ 100,000 |
| Jacksonville, NC | 1 | $ 185,000 | $ 185,000 | $ 83,000 |
| Janesville-Beloit, WI | 1 | $ 145,000 | $ 145,000 | $ 28,000 |
| Jonesboro, AR | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Lafayette-West Lafayette, IN | 1 | $ 145,000 | $ 145,000 | $ 96,000 |
| Lawrence, KS | 1 | $ 185,000 | $ 185,000 | $ 101,000 |
| Lewiston, ID-WA | 1 | $ 345,000 | $ 345,000 | $ 125,000 |
| Lexington-Fayette, KY | 1 | $ 155,000 | $ 155,000 | $ 41,000 |
| Lincoln, NE | 1 | $ 165,000 | $ 165,000 | $ 96,000 |
| Madera, CA | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| Midland, TX | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| Monroe, LA | 1 | $ 285,000 | $ 285,000 | $ 108,000 |
| Morristown, TN | 1 | $ 235,000 | $ 235,000 | $ 84,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 155,000 | $ 155,000 | $ 59,000 |
| Muskegon, MI | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| New Bern, NC | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| New Haven-Milford, CT | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| Niles-Benton Harbor, MI | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Norwich-New London, CT | 1 | $ 175,000 | $ 175,000 | $ 56,000 |
| Owensboro, KY | 1 | $ 125,000 | $ 125,000 | $ 22,000 |
| Parkersburg-Vienna, WV | 1 | $ 105,000 | $ 105,000 | $ 23,000 |
| Peoria, IL | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Pittsfield, MA | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Pocatello, ID | 1 | $ 195,000 | $ 195,000 | $ 50,000 |
| Prescott, AZ | 1 | $ 225,000 | $ 225,000 | $ 138,000 |
| Rapid City, SD | 1 | $ 105,000 | $ 105,000 | $ 26,000 |
| Reading, PA | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Rockford, IL | 1 | $ 165,000 | $ 165,000 | $ 56,000 |
| Rockingham County-Strafford County, NH | 1 | $ 265,000 | $ 265,000 | $ 59,000 |
| San Angelo, TX | 1 | $ 175,000 | $ 175,000 | $ 57,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 295,000 | $ 295,000 | $ 150,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 385,000 | $ 385,000 | $ 83,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Sebring, FL | 1 | $ 145,000 | $ 145,000 | $ 93,000 |
| Staunton-Waynesboro, VA | 1 | $ 185,000 | $ 185,000 | $ 32,000 |
| Sumter, SC | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| The Villages, FL | 1 | $ 365,000 | $ 365,000 | $ 143,000 |
| Warner Robins, GA | 1 | $ 145,000 | $ 145,000 | $ 77,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| Wausau, WI | 1 | $ 125,000 | $ 125,000 | $ 30,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
| Williamsport, PA | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Wilmington, DE-MD-NJ | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| York-Hanover, PA | 1 | $ 75,000 | $ 75,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for Goldwater Bank, N.A. in 2018
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 4,386 | $1,024,800,000 | $233,000 | $2,005,000 | $93,000 | $2,400,000 |
| Cash-out Refinancing | 1,720 | $450,820,000 | $262,000 | $2,305,000 | $95,000 | $9,810,000 |
| Refinancing | 647 | $178,805,000 | $276,000 | $3,005,000 | $104,000 | $1,526,000 |
| Other Purpose | 12 | $3,640,000 | $303,000 | $575,000 | $107,000 | $176,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 4,499 | $1,048,545,000 | $233,000 | $3,005,000 | $94,000 | $2,400,000 |
| Black or African American | 667 | $154,965,000 | $232,000 | $1,005,000 | $81,000 | $308,000 |
| Hispanic | 647 | $156,865,000 | $242,000 | $755,000 | $82,000 | $708,000 |
| Not Provided | 515 | $138,795,000 | $269,000 | $1,505,000 | $95,000 | $589,000 |
| Asian | 356 | $134,750,000 | $378,000 | $1,975,000 | $146,000 | $9,810,000 |
| Native Hawaiian or Other Pacific Islander | 31 | $10,525,000 | $339,000 | $635,000 | $95,000 | $326,000 |
| American Indian or Alaskan Native | 28 | $6,340,000 | $226,000 | $485,000 | $79,000 | $234,000 |
| Not applicable | 5 | $985,000 | $197,000 | $275,000 | $69,000 | $105,000 |
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) | 3,456 | $917,910,000 | $265,000 | $3,005,000 | $114,000 | $9,810,000 |
| FHA-insured (Federal Housing Administration) | 2,069 | $433,855,000 | $209,000 | $695,000 | $72,000 | $647,000 |
| VA-guaranteed (Veterans Administration) | 1,072 | $281,610,000 | $262,000 | $995,000 | $82,000 | $782,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 168 | $24,690,000 | $146,000 | $335,000 | $50,000 | $101,000 |
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 | 3,903 | $941,365,000 | $241,000 | $2,005,000 | $92,000 | $1,974,000 |
| Application Withdrawn By Applicant | 2,147 | $542,375,000 | $252,000 | $3,005,000 | $103,000 | $9,810,000 |
| Application Denied By Financial Institution | 611 | $144,635,000 | $236,000 | $2,305,000 | $78,000 | $782,000 |
| File Closed For Incompleteness | 65 | $21,285,000 | $327,000 | $1,505,000 | $109,000 | $549,000 |
| Application Approved But Not Accepted | 39 | $8,405,000 | $215,000 | $665,000 | $102,000 | $397,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 6,154 | $1,513,430,000 | $245,000 | $3,005,000 | $96,000 | $9,810,000 |
| Debt-To-Income Ratio | 209 | $55,415,000 | $265,000 | $1,205,000 | $64,000 | $244,000 |
| Credit History | 198 | $42,380,000 | $214,000 | $1,975,000 | $79,000 | $782,000 |
| Collateral | 95 | $22,025,000 | $231,000 | $2,305,000 | $87,000 | $300,000 |
| Other | 53 | $10,315,000 | $194,000 | $575,000 | $94,000 | $644,000 |
| Unverifiable Information | 23 | $6,835,000 | $297,000 | $1,185,000 | $105,000 | $347,000 |
| Employment History | 17 | $4,935,000 | $290,000 | $1,245,000 | $78,000 | $331,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $2,440,000 | $174,000 | $295,000 | $88,000 | $215,000 |
| Mortgage Insurance Denied | 1 | $55,000 | $55,000 | $55,000 | $89,000 | $89,000 |
| Credit Application Incomplete | 1 | $235,000 | $235,000 | $235,000 | $313,000 | $313,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Goldwater Bank, N.A.'s 2018 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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with aggregated HMDA statistics today.
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