Lender in Florida · HMDA 2025
Waterstone Mortgage Corporation mortgages in Florida
Waterstone Mortgage Corporation's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Waterstone Mortgage Corporation originated 655 owner-occupied single-family loans in Florida from 694 completed applications.
Its median conventional purchase loan costs were $7,270 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.625% (Florida: 6.625%).
Loans in FL
655
of 694 applications
Denial rate
3.5%
Purchase · FL 12.8%
Rate spread
+0.34 pts
Conv. · FL +0.14 pts
Loan amount
$315,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 627 | 604 | 3.5% | 6.625% | +0.34 pts | $7,270 | $315,000 |
| Refinance | 34 | 24 | 29.4% | — | +0.37 pts | $6,800 | $335,000 |
| Cash-out refinance | 33 | 27 | 15.2% | — | — | — | $295,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Waterstone Mortgage Corporation ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Okaloosa County | 10 | 94 | 2.5% |
| Glades County | 11 | 2 | 2.2% |
| Dixie County | 14 | 2 | 2.8% |
| Hendry County | 15 | 7 | 1.5% |
| Holmes County | 15 | 2 | 2.0% |
| Seminole County | 19 | 58 | 1.0% |
| Walton County | 19 | 17 | 1.0% |
- Waterstone Mortgage Corporation nationwide
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- Waterstone Mortgage Corporation in Virginia
- Waterstone Mortgage Corporation in Idaho
- Waterstone Mortgage Corporation in Missouri
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology