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Goldwater Bank, N.A.
Bank|Phoenix, AZ|Near-National
Loans Originated
555
Applications
803
Volume
$185 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.465%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,311
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
69.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Report Card
Goldwater Bank, N.A. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 10 metro areas · 31 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$334,027
Average Borrower Income
$134,371
Average Property Value
$443,811
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Sound | 349 | 62.9% | +0.479% | $3,325 |
FHA Loans | Sound | Strong | Acceptable | Sound | 132 | 23.8% | +0.624% | $3,536 |
VA Loans | Acceptable | Sound | Acceptable | Acceptable | 47 | 8.5% | -0.119% | $2,770 |
USDA Loans | Sound | Sound | N/A | Sound | 18 | 3.2% | +0.231% | $2,429 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Acceptable | Sound | 480 | 86.5% | +0.428% | $3,416 |
Refinance | Sound | Sound | Acceptable | Sound | 75 | 13.5% | +0.668% | $2,733 |
Geographic Coverage
Metro Areas
9
States Served
31
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOFLGAHIIAIDILINLAMDMIMNMOMSNCNENJNMNVOKORSCTNTXUTWAWI
Top Metro Areas by Place Specialization Score
1
Atlanta, GAMSA
Volume: 103Mix: 18.56%
Place Specialization
Strong
2
New Orleans, LAMSA
Volume: 30Mix: 5.41%
Place Specialization
Sound
3
Houston, TXMSA
Volume: 40Mix: 7.21%
Place Specialization
Sound
4
Marietta, GA, GAMSA
Volume: 24Mix: 4.32%
Place Specialization
Sound
5
Minneapolis, MN-WIMSA
Volume: 29Mix: 5.23%
Place Specialization
Sound
6
Phoenix, AZMSA
Volume: 29Mix: 5.23%
Place Specialization
Sound
7
Port St. Lucie, FL, FLMSA
Volume: 15Mix: 2.70%
Place Specialization
Sound
8
Oklahoma City, OK, OKMSA
Volume: 15Mix: 2.70%
Place Specialization
Sound
9
Riverside, CAMSA
Volume: 10Mix: 1.80%
Place Specialization
Acceptable
Top States by Place Specialization Score
1
GAState
Volume: 140Mix: 25.23%
Place Specialization
Strong
2
LAState
Volume: 49Mix: 8.83%
Place Specialization
Sound
3
TXState
Volume: 60Mix: 10.81%
Place Specialization
Sound
4
NMState
Volume: 25Mix: 4.50%
Place Specialization
Sound
5
FLState
Volume: 57Mix: 10.27%
Place Specialization
Sound
6
MNState
Volume: 32Mix: 5.77%
Place Specialization
Sound
7
AZState
Volume: 34Mix: 6.13%
Place Specialization
Sound
8
CAState
Volume: 31Mix: 5.59%
Place Specialization
Sound
9
OKState
Volume: 18Mix: 3.24%
Place Specialization
Sound
10
INState
Volume: 18Mix: 3.24%
Place Specialization
Sound
Showing 10 of 11 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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