Purchase Originations
166
Median Total Costs
$7,573
+13.4% vs national ($6,680)
↓ $822 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$2,847
Median Lender Credits
$120
Denial Rate
0.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 108 | 6.688% | $6,142 | $2,847 |
| fha | 34 | 6.250% | $9,671 | $2,022 |
| va | 20 | 6.250% | $10,493 | $4,068 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 59 | 6.500% | $6,392 | #192 |
| Texas | 29 | 6.500% | $9,527 | — |
| Oklahoma | 25 | 6.250% | $6,676 | — |
| New Mexico | 18 | 6.812% | $5,771 | — |
| Arizona | 10 | 6.250% | $14,996 | — |
| Alabama | 5 | 6.625% | $4,710 | — |
| Florida | 4 | 6.688% | $8,955 | — |
| Tennessee | 4 | 7.495% | $13,036 | — |
| California | 3 | 6.990% | $8,025 | — |
| Colorado | 1 | 7.000% | $13,822 | — |
| Indiana | 1 | 8.000% | $5,938 | — |
| Maine | 1 | 6.750% | $22,952 | — |
| Mississippi | 1 | 6.250% | $5,066 | — |
| New Jersey | 1 | 6.250% | $7,084 | — |
| Nevada | 1 | 6.250% | $16,025 | — |
| Pennsylvania | 1 | 6.750% | $5,508 | — |
| Washington | 1 | 7.000% | $4,224 | — |
| West Virginia | 1 | 6.625% | $3,805 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,677 | 6.750% | — | 10 | −$2,896 | |
| 2 | $4,710 | 6.625% | — | 3 | −$2,863 | |
| 3 | $4,835 | 6.500% | — | 2 | −$2,738 | |
| 4 | $5,660 | 7.125% | — | 1 | −$1,913 | |
| 5 | $5,770 | 6.312% | — | 40 | −$1,803 | |
| 6 | $5,961 | 6.438% | — | 10 | −$1,612 | |
| 7 | $6,665 | 6.625% | — | 2 | −$908 | |
| 8 | $6,985 | 6.250% | — | 2 | −$588 | |
| 9 | $7,305 | 6.688% | — | 4 | −$268 | |
| 10 | $7,611 | 6.875% | — | 3 | +$38 | |
| 11 | $7,901 | 6.375% | — | 7 | +$328 | |
| 12 | $8,570 | 6.625% | — | 5 | +$997 | |
| 13 | $9,190 | 6.125% | — | 3 | +$1,617 | |
| 14 | $9,502 | 6.312% | — | 2 | +$1,929 | |
| 15 | $9,767 | 6.933% | — | 2 | +$2,194 | |
| 16 | $10,106 | 7.500% | — | 2 | +$2,533 | |
| 17 | $10,218 | 6.125% | — | 4 | +$2,645 | |
| 18 | $10,645 | 6.562% | — | 12 | +$3,072 | |
| 19 | $14,405 | 6.375% | — | 3 | +$6,832 | |
| 20 | $16,492 | 6.250% | — | 6 | +$8,919 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Goldwater Bank, N.A. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $290,000 | $335,000 | −$45,000 (−13.4%) |
| Median total closing costs | $7,573 | $7,127 | +$446 (+6.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, 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.