Lender profile · HMDA 2023–2025
Goldwater Bank, N.A. mortgage approval rates & lending data
Goldwater Bank, N.A. decided 1,289 mortgage applications and funded 1,237 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 978 / 1,007 | 99% | $275K | 973 |
| Cash-out refinance | 90% | 103 / 114 | 99% | $215K | 102 |
| Refinance | 99% | 72 / 73 | 100% | $345K | 72 |
| Investment property purchase | 93% | 54 / 58 | 100% | $185K | 54 |
Goldwater Bank, N.A. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 99% | $255K | 353 | 347 |
| Minnesota | 98% | $235K | 217 | 212 |
| Florida | 95% | $315K | 193 | 182 |
| Texas | 97% | $295K | 120 | 115 |
| Arizona | 96% | $425K | 92 | 88 |
| Oklahoma | 95% | $225K | 43 | 40 |
| California | 93% | $535K | 42 | 38 |
| Louisiana | 100% | $225K | 40 | 40 |
| New Mexico | 100% | $325K | 20 | 20 |
| Indiana | 100% | $175K | 17 | 17 |
| Washington | 94% | $465K | 16 | 14 |
| Michigan | 71% | $135K | 14 | 10 |
| Alabama | 92% | $385K | 13 | 12 |
| North Carolina | 83% | $385K | 12 | 10 |
| Utah | 100% | $515K | 12 | 12 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.