# Goldwater Bank, N.A.

> **Canonical URL:** https://saferate.com/lenders/goldwater-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Goldwater Bank, N.A. is a bank, headquartered in Phoenix, AZ, serving borrowers across 31 states, with 555 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 77% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 50% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300X08QKYUH256I80
- **Headquarters:** Phoenix, AZ
- **Geographic Reach:** Near-National
- **States Served:** 31
- **State List:** AL, AR, AZ, CA, CO, FL, GA, HI, IA, ID, IL, IN, LA, MD, MI, MN, MO, MS, NC, NE, NJ, NM, NV, OK, OR, SC, TN, TX, UT, WA, WI
- **Markets (MSAs):** 10
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 23/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.465%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,311
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 555
- **Dollar Volume:** $185 million
- **Applications Received:** 803
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $334,027
- **Average Borrower Income:** $134,371
- **Average Property Value:** $443,811

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 349 | +0.479% | $3,325 | Sound ☺️ |
| FHA | 64/100 | 132 | +0.624% | $3,536 | Strong 😀 |
| VA | 46/100 | 47 | -0.119% | $2,770 | Sound ☺️ |
| USDA | 50/100 | 18 | +0.231% | $2,429 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 294 loans, Score: 49/100 (Sound)
- Refinance: 55 loans, Score: 46/100 (Sound)

**FHA:**
- Purchase: 116 loans, Score: 64/100 (Strong)

**VA:**
- Purchase: 46 loans, Score: 46/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 480 | $162M | +0.428% | Sound ☺️ |
| Refinance | 46/100 | 75 | $23M | +0.668% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 140 | 0.10% | 67/100 |
| TX | 60 | 0.02% | 53/100 |
| FL | 57 | 0.02% | 52/100 |
| LA | 49 | 0.14% | 58/100 |
| AZ | 34 | 0.03% | 52/100 |
| MN | 32 | 0.05% | 52/100 |
| CA | 31 | 0.01% | 46/100 |
| NM | 25 | 0.12% | 53/100 |
| IN | 18 | 0.02% | 44/100 |
| OK | 18 | 0.04% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 103 | 68/100 |
| Non |  | 81 | 50/100 |
| Houston | TX | 40 | 55/100 |
| New Orleans | LA | 30 | 59/100 |
| Minneapolis | MN-WI | 29 | 52/100 |
| Phoenix | AZ | 29 | 51/100 |
| Marietta, GA | GA | 24 | 53/100 |
| Oklahoma City, OK | OK | 15 | 46/100 |
| Port St. Lucie, FL | FL | 15 | 50/100 |
| Riverside | CA | 10 | 40/100 |

## Where This Lender Ranks

Goldwater Bank, N.A. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in New Orleans for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#8** in New Orleans for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#8** in New Orleans for USDA Loans
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/usda-loans)
- 🏆 **#14** in New Orleans Banks
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/banks)
- 🏆 **#19** in New Orleans for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Goldwater Bank, N.A. offer?

Goldwater Bank, N.A. offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Goldwater Bank, N.A. offer mortgages?

Goldwater Bank, N.A. offers mortgages in 31 states: AL, AR, AZ, CA, CO, FL, GA, HI, IA, ID, IL, IN, LA, MD, MI, MN, MO, MS, NC, NE, NJ, NM, NV, OK, OR, SC, TN, TX, UT, WA, WI.

### How competitive are Goldwater Bank, N.A.'s mortgage rates?

Goldwater Bank, N.A. has a pricing score of 23/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.465% above market average.

### What type of lender is Goldwater Bank, N.A.?

Goldwater Bank, N.A. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Phoenix, AZ.

### What is Goldwater Bank, N.A.'s loan approval success rate?

Goldwater Bank, N.A. has a pull-through score of 50/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/goldwater-bank

### How to Cite

> "Goldwater Bank, N.A. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/goldwater-bank

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