Goldwater Bank, N.A. mortgage approval rate & lending review
Goldwater Bank, N.A. decided 1,289 mortgage applications and funded 1,237 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Goldwater Bank, N.A. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Goldwater Bank, N.A. at a glance
Approval is 11.6 points above the 84.8% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Goldwater Bank, N.A. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Carroll County, GA | Mortgage lenders | 99% | 129 | 128 |
| Anoka County, MN | Mortgage lenders | 100% | 49 | 49 |
The county markets where Goldwater Bank, N.A. made the most loans. Each link opens that market with every lender ranked.
Questions about Goldwater Bank, N.A.
What is Goldwater Bank, N.A.'s mortgage approval rate?
Goldwater Bank, N.A. approved 96.4% of the 1,289 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.6 points above the 84.8% national rate for the same mix of loan types.
How often do borrowers take the loan Goldwater Bank, N.A. offers?
Borrowers accepted 100% of the loans Goldwater Bank, N.A. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Goldwater Bank, N.A. make?
The typical home purchase mortgage loan Goldwater Bank, N.A. made was $275K; across all loan types its typical loan ran from $185K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Goldwater Bank, N.A. lend?
Goldwater Bank, N.A. decided applications in 38 of the states Fat Boy Data covers, most of them in Georgia, Minnesota and Florida.
Can I apply to Goldwater Bank, N.A. directly?
Yes. Goldwater Bank, N.A. is a bank or credit union with 2 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Goldwater Bank, N.A.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Goldwater Bank, N.A. treats applications, then get a rate quote from the lender.