Goldwater Bank, N.A. empowers its branches and loan officers by providing them with the tools they need; not just to compete in today’s market, but to win. At Goldwater Bank, N.A., the tools and resources your branch needs to succeed in the market today are backed by a staff of highly experienced and seasoned mortgage professionals specializing in all disciplines of our business including sales & operations management, underwriting, closing, funding, insuring, information technology, loan servicing and capital markets. The foundation of Goldwater Bank, N.A.’s business philosophy is the understanding that a team of experts focused on the same objective is an unstoppable force to compete with. Branches that join the Goldwater Bank, N.A. team enjoy the benefits of:

• A Mortgage Banking+ Platform: as an experienced mandatory/bulk correspondent seller and portfolio servicer with the best aggregator agreements and partnerships in the industry our branches have the best mix of competitive pricing and product flexibility that ordinary mortgage banking platforms cannot provide unless they also have the ability to actually lend their own money and service their branch’s customers for the full duration of a mortgage loan. Unique product development and a swift exception process add serious horsepower to our branches in a market where typical IMBs simply cannot keep pace. It’s one thing to have the ability to make a loan; it’s another to do so with absolute competency.
• Dedicated Branch Accounting: Goldwater Bank, N.A. succeeds at empowering mortgage entrepreneurs at the branch level because it understands their business needs. This is why our branches receive transparent financial reporting in real-time and have access to an experienced team in our accounting group dedicated to providing business support and add real value to helping our retail leaders manage their branch’s bottom line. We deliver on this commitment by providing Branch Managers with 24/7 access to accounting, payroll and expense information and all the expertise that they may need to reach their personal goals. Our Retail Branch Managers are not only our business partners but are also considered the customers of every internal team that provides branch services and support.
• Training & Support: your entire team will receive initial onboarding training, dedicated operational orientation and support custom-tailored to your needs. Your originators will have indefinite access to creative content and compliant marketing support as well as ongoing product and sales training until the branch is ready to stand on its own. Our branches enjoy the benefits of an online learning management system, dedicated staff for an underwriting ScenarioDesk, contract negotiation support and optional on demand disclosures so they can spend more time focused on growing their business and less time on the business of running a branch.
• Licensing and Compliance: our Retail Branch Managers don’t have to worry about scrambling to get their originators licensed because we’re a Bank. However, we do permit originators to maintain state licenses and so we have a team dedicated to managing branch and originator licensing and continuing education. With licensed originators in more than 25 states our business model and branch support team can take the burden of license management off your shoulders so you can focus your energy where it’s most beneficial to your success!
• Technology: innovation is central to our DNA and so one of our Core Values is the belief that pairing the right systems and technology together will continue to drive efficiency and profitability in our increasingly complex business. This is why we equip our branches to operate with a truly paperless loan process; utilizing electronic disclosures and signatures and powered by a highly-customized version of Encompass360® Banker Edition which integrates in real-time with OptimalBlue® and all of our ancillary service providers. Production workflows are seamlessly connected for easy, accurate and efficient use by all supporting teams. What we can’t find in a competent systems vendor we build in-house with our staff of software engineers. To support these systems our branches rely on an internally-staffed IT HelpDesk so downtime is minimalized and your business can continue to grow.

This is just a brief overview of the many advantages that branches of Goldwater Bank, N.A. have over their competition. To find out how your team can join ours please fill out the contact us form and one of our experienced Business Development Managers will show you more!