Mortgage Lender Index

Waterstone Mortgage Corporation

Waterstone Mortgage Corporation received 9,629 applications in 2025 and made 7,079 mortgages, in 841 counties across 48 states. The median rate its borrowers got was 6.625% on a median loan of $275,000. Of 7,485 decisions, 350 were denials — 4.7%, most often for debt-to-income ratio. 47 of its applications carried no county and are counted here but on no county page.

Legal Entity Identifier549300GRGZDEH4ZGQS06
Applications received9,629
Mortgages made7,079
Denied350
Approved, not taken up56
Withdrawn or incomplete2,144
Loans bought from other lenders19
Median rate spread over the prime offer rate0.417 points
FDIC-insured bankThis lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.

By loan purpose

PurposeMortgages madeMedian rateMedian loanDenied
Home purchase6,432 6.625%$275,000 3.7%
Refinancing418 6.375%$335,000 12.8%
Cash-out refinancing222 6.625%$295,000 13.3%
Other purposes7 Under 10 loansUnder 10 loans 22.2%

Where Waterstone Mortgage Corporation lends most

The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.

CountyMortgages madeMedian rateDenied
Bernalillo County, NM 1,0826.625%2.8%
Maricopa County, AZ 2806.500%3.4%
Sandoval County, NM 2596.625%4.0%
Tulsa County, OK 2156.500%0.5%
Santa Fe County, NM 1766.875%3.2%
Canyon County, ID 1516.250%5.0%
Valencia County, NM 1376.625%5.4%
Jackson County, MO 1366.250%1.5%
Ada County, ID 1326.250%2.9%
Okaloosa County, FL 1176.500%4.8%
Orange County, FL 1096.500%6.0%
Los Alamos County, NM 936.500%0.0%
Doña Ana County, NM 886.625%7.3%
Johnson County, KS 856.750%0.0%
Ector County, TX 776.750%2.5%
Seminole County, FL 726.433%5.3%
Cook County, IL 666.625%8.2%
Volusia County, FL 656.500%7.1%
Winnebago County, WI 646.500%1.5%
Tarrant County, TX 626.625%1.6%
Pinal County, AZ 585.995%3.3%
Torrance County, NM 586.625%9.4%
Pinellas County, FL 566.500%3.5%
Outagamie County, WI 556.500%1.8%
El Paso County, TX 536.500%6.9%
San Juan County, NM 516.625%11.7%
Charles County, MD 486.250%2.0%
Lee County, FL 446.990%12.0%
Brown County, WI 406.750%0.0%
St. Croix County, WI 386.625%2.6%
Wagoner County, OK 376.625%2.6%
Polk County, FL 336.500%10.8%
Calvert County, MD 326.438%0.0%
St. Mary's County, MD 316.500%0.0%
Giles County, VA 316.500%6.1%
Lake County, FL 306.313%6.3%
Osceola County, FL 306.438%0.0%
Washington County, MN 306.813%3.2%
Rogers County, OK 306.375%3.2%
Manatee County, FL 296.625%0.0%
Hennepin County, MN 296.625%3.3%
Denton County, TX 296.625%0.0%
Santa Rosa County, FL 286.563%3.5%
Clay County, MO 286.625%3.5%
Montgomery County, VA 286.563%17.7%
Walton County, FL 276.750%15.6%
Bedford County, VA 277.000%6.9%
Anne Arundel County, MD 266.625%0.0%
Dakota County, MN 266.875%7.1%
Providence County, RI 266.625%18.8%

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When Waterstone Mortgage Corporation’s figures are published for the next year, or restated.

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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.