Goldwater Bank, N.A.
Goldwater Bank, N.A. received 266 applications in 2025 and made 240 mortgages, in 109 counties across 25 states. The median rate its borrowers got was 6.625% on a median loan of $295,000. Of 241 decisions, 1 were denials — 0.4%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300X08QKYUH256I80 |
|---|---|
| Applications received | 266 |
| Mortgages made | 240 |
| Denied | 1 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 25 |
| Loans bought from other lenders | 33 |
| Median rate spread over the prime offer rate | 0.3545 points |
| FDIC-insured bank | Yes: Goldwater Bank, N.A., 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 194 | 6.625% | $290,000 | 0.5% |
| Refinancing | 24 | 6.813% | $435,000 | 0.0% |
| Cash-out refinancing | 22 | 7.563% | $180,000 | 0.0% |
Where Goldwater Bank, N.A. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Carroll County, GA | 44 | 6.250% | 0.0% |
| Montgomery County, TX | 15 | 6.625% | 0.0% |
| Eddy County, NM | 12 | 6.875% | 0.0% |
| Oklahoma County, OK | 12 | 6.500% | 0.0% |
| Maricopa County, AZ | 9 | Under 10 loans | 10.0% |
| Harris County, TX | 7 | Under 10 loans | 0.0% |
| Haralson County, GA | 6 | Under 10 loans | 0.0% |
| Mohave County, AZ | 5 | Under 10 loans | 0.0% |
| Randolph County, AL | 4 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 4 | Under 10 loans | 0.0% |
| Bernalillo County, NM | 4 | Under 10 loans | 0.0% |
| Canadian County, OK | 4 | Under 10 loans | 0.0% |
| Yavapai County, AZ | 3 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 3 | Under 10 loans | 0.0% |
| Cobb County, GA | 3 | Under 10 loans | 0.0% |
| Heard County, GA | 3 | Under 10 loans | 0.0% |
| Cleveland County, OK | 3 | Under 10 loans | 0.0% |
| Logan County, OK | 3 | Under 10 loans | 0.0% |
| Coconino County, AZ | 2 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 2 | Under 10 loans | 0.0% |
| Orange County, CA | 2 | Under 10 loans | 0.0% |
| Hendry County, FL | 2 | Under 10 loans | 0.0% |
| Marion County, FL | 2 | Under 10 loans | 0.0% |
| St. Lucie County, FL | 2 | Under 10 loans | 0.0% |
| DeKalb County, GA | 2 | Under 10 loans | 0.0% |
| Douglas County, GA | 2 | Under 10 loans | 0.0% |
| Clark County, NV | 2 | Under 10 loans | 0.0% |
| Doña Ana County, NM | 2 | Under 10 loans | 0.0% |
| Grady County, OK | 2 | Under 10 loans | 0.0% |
| Lincoln County, OK | 2 | Under 10 loans | 0.0% |
| Jefferson County, TN | 2 | Under 10 loans | 0.0% |
| Comal County, TX | 2 | Under 10 loans | 0.0% |
| Victoria County, TX | 2 | Under 10 loans | 0.0% |
| Kitsap County, WA | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Cleburne County, AL | 1 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| Boulder County, CO | 1 | Under 10 loans | 0.0% |
| Park County, CO | 1 | Under 10 loans | 0.0% |
| Alachua County, FL | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Putnam County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Bartow County, GA | 1 | Under 10 loans | 0.0% |
| Bleckley County, GA | 1 | Under 10 loans | 0.0% |
| Chatham County, GA | 1 | Under 10 loans | 0.0% |
| Cherokee County, GA | 1 | Under 10 loans | 0.0% |
| Coweta County, GA | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.