Applications / Mortgage Analytics / Lenders / Arizona / Goldwater Bank
Phoenix, AZ · National bank · OCC · $515 million assets · 240 loans in 2025
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240
loans originated, 2025
266
applications, 2025
24
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Goldwater Bank, a Phoenix bank, made 9,107 mortgages in 2020 and just 240 in 2025, a fall of 60% in the last year alone.
Its originations fell 60% from 594, while similar lenders (national banks making between half and twice as many loans) grew 5% and the whole market 10%. Nearly all of them fared better. In 2020 it lent $2.39 billion; in 2025, $93.9 million. The end of the refinancing wave of those years may explain part of the drop; the bank may also have chosen to make fewer mortgages.
FHA loans (insured by the Federal Housing Administration) made up 16.7% of its lending and VA loans (guaranteed by the Department of Veterans Affairs) 10.8%. At the typical similar lender each was 0.0%. Purchases were 80.8% of its loans and refinancing the rest.
It lent in 47 metros and 98 counties, and its main state was Georgia rather than Arizona. Its shares are small everywhere: in Phoenix-Mesa-Chandler it ranks 367 of 879. In Bremerton-Silverdale-Port Orchard its share rose to 0.2%, a change a few loans could account for.
Its typical loan was $295,000, against $190,000 at similar lenders. It also bought 33 loans from other lenders, which most similar banks did not do.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Goldwater Bank took 266 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.8% · Refinance 19.2%
Conventional 70.8% · FHA 16.7% · VA 10.8% · USDA (RHS or FSA) 1.7% · of 240 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 77 | 32.1% |
| Texas | 38 | 15.8% |
| Oklahoma | 29 | 12.1% |
| New Mexico | 21 | 8.8% |
| Arizona | 19 | 7.9% |
| Florida | 14 | 5.8% |
| Alabama | 7 | 2.9% |
| Washington | 6 | 2.5% |
| California | 5 | 2.1% |
| Tennessee | 5 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 58 |
| Oklahoma City | 26 |
| Houston-Pasadena-The Woodlands | 24 |
| Marietta | 12 |
| Phoenix-Mesa-Chandler | 9 |
| Albuquerque | 5 |
| Lake Havasu City-Kingman | 5 |
| Prescott Valley-Prescott | 3 |
| West Palm Beach-Boca Raton-Delray Beach | 3 |
| Anaheim-Santa Ana-Irvine | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300X08QKYUH256I80 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3592047 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124671 | 2008–2017 |
Established 2 April 2007. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Goldwater Bank's data.
Goldwater Bank's data
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