Lender profile · HMDA 2023–2025
Waterstone Mortgage Corporation mortgage approval rates & lending data
Waterstone Mortgage Corporation decided 18,642 mortgage applications and funded 17,458 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 15,591 / 16,302 | 99% | $265K | 15,439 |
| Home improvement loans | 87% | 27 / 31 | 100% | $205K | 27 |
| Cash-out refinance | 82% | 641 / 779 | 98% | $265K | 630 |
| Refinance | 86% | 447 / 520 | 98% | $365K | 439 |
| Investment property purchase | 94% | 800 / 849 | 99% | $245K | 790 |
| Investment cash-out refinance | 87% | 79 / 91 | 95% | $185K | 75 |
| Investment refinance | 86% | 57 / 66 | 96% | $215K | 55 |
Waterstone Mortgage Corporation lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Mexico | 96% | $235K | 5,129 | 4,843 |
| Florida | 93% | $285K | 4,599 | 4,222 |
| Arizona | 95% | $395K | 1,336 | 1,256 |
| Texas | 96% | $305K | 1,309 | 1,246 |
| Oklahoma | 97% | $225K | 764 | 733 |
| Wisconsin | 98% | $205K | 658 | 636 |
| Idaho | 98% | $335K | 655 | 635 |
| Missouri | 97% | $195K | 532 | 513 |
| Illinois | 95% | $275K | 422 | 398 |
| Maryland | 95% | $365K | 422 | 401 |
| Minnesota | 95% | $285K | 348 | 325 |
| Kansas | 98% | $345K | 257 | 249 |
| Virginia | 94% | $395K | 204 | 189 |
| New Hampshire | 94% | $395K | 194 | 182 |
| Delaware | 88% | $315K | 159 | 139 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.