Goldwater Bank, N.A. closing costs and rates (2024)
In 2024, Goldwater Bank, N.A. originated 460 purchase mortgages at a median interest rate of 6.75% and median total closing costs of $8,395. That is $1,654 above the national median of $6,741. Goldwater Bank, N.A. is most active in Georgia with 113 originations there.
Purchase Originations
460
Median Total Costs
$8,395
+24.5% vs national ($6,741)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$3,664
Median Lender Credits
$100
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 276 | 7.000% | $6,937 | $3,243 |
| fha | 118 | 6.625% | $12,527 | $4,177 |
| va | 48 | 6.750% | $8,166 | $4,246 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 113 | 6.750% | $7,588 | #131 |
| Texas | 52 | 6.750% | $8,535 | #347 |
| Louisiana | 45 | 6.500% | $7,988 | — |
| Florida | 41 | 7.375% | $9,357 | — |
| Minnesota | 32 | 6.625% | $7,084 | — |
| California | 27 | 6.875% | $13,619 | — |
| Arizona | 26 | 6.562% | $8,499 | — |
| New Mexico | 23 | 7.375% | $6,910 | — |
| Indiana | 18 | 6.750% | $4,534 | — |
| Oklahoma | 17 | 6.375% | $8,131 | — |
| Nevada | 9 | 7.000% | $11,919 | — |
| Alabama | 7 | 6.875% | $10,519 | — |
| North Carolina | 7 | 8.500% | $12,058 | — |
| South Carolina | 6 | 6.875% | $9,526 | — |
| Mississippi | 5 | 8.500% | $12,671 | — |
| Tennessee | 5 | 8.500% | $11,277 | — |
| Idaho | 4 | 6.750% | $10,709 | — |
| Utah | 4 | 6.250% | $10,771 | — |
| Arkansas | 3 | 6.875% | $8,664 | — |
| Missouri | 3 | 7.000% | $4,191 | — |
| Nebraska | 2 | 6.375% | $6,808 | — |
| New Jersey | 2 | 6.500% | $5,451 | — |
| Washington | 2 | 7.683% | $11,562 | — |
| Colorado | 1 | 6.625% | $23,036 | — |
| Hawaii | 1 | 6.750% | $11,449 | — |
| Iowa | 1 | 8.125% | $4,826 | — |
| Illinois | 1 | 7.990% | $13,829 | — |
| Maryland | 1 | 6.500% | $5,741 | — |
| Michigan | 1 | 7.375% | $4,626 | — |
| Wisconsin | 1 | 6.875% | $5,691 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,089 | 7.000% | — | 9 | −$2,306 | |
| 2 | $6,196 | 6.500% | — | 12 | −$2,199 | |
| 3 | $6,208 | 6.938% | — | 6 | −$2,187 | |
| 4 | $6,555 | 7.000% | — | 13 | −$1,840 | |
| 5 | $6,798 | 6.875% | — | 11 | −$1,597 | |
| 6 | $6,943 | 6.812% | — | 10 | −$1,452 | |
| 7 | $7,387 | 7.250% | — | 17 | −$1,008 | |
| 8 | $7,513 | 6.500% | — | 14 | −$882 | |
| 9 | $7,552 | 6.750% | — | 7 | −$843 | |
| 10 | $8,138 | 6.312% | — | 6 | −$257 | |
| 11 | $8,259 | 6.312% | — | 6 | −$136 | |
| 12 | $8,685 | 6.875% | — | 5 | +$290 | |
| 13 | $9,059 | 6.750% | — | 35 | +$664 | |
| 14 | $9,208 | 6.625% | — | 9 | +$813 | |
| 15 | $9,722 | 6.750% | — | 15 | +$1,327 | |
| 16 | $10,028 | 7.000% | — | 8 | +$1,633 | |
| 17 | $10,924 | 6.438% | — | 18 | +$2,529 | |
| 18 | $12,250 | 6.625% | — | 7 | +$3,855 | |
| 19 | $12,628 | 6.875% | — | 7 | +$4,233 | |
| 20 | $15,643 | 7.062% | — | 8 | +$7,248 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.