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Waterstone Mortgage Corporation in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Florida, Waterstone Mortgage Corporation reported 2,273 applications and 1,591 originations for 2024, $459m in all.
Its denial rate in the state was 7.5%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 5.8%.
The median rate spread on its Florida originations was 0.5 percentage points (state median 0.3).
Applications in the state were down 21% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Waterstone Mortgage Corporation, all states | United States |
|---|---|---|---|---|
| Denial rate | 7.5% | 29.0% | 5.8% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.2% | 16.4% | 14.2% | 15.6% |
| Average originated loan | $288k | $359k | $274k | $329k |
| Home purchase share | 92.9% | 62.9% | 92.5% | 57.0% |
| FHA-insured share | 22.7% | 17.7% | 23.5% | 13.4% |
| VA-guaranteed share | 9.4% | 9.5% | 7.7% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 93% (1,478)Home improvement 0% (4)Refinancing 1% (21)Cash-out refinancing 6% (88)
By type
Conventional 68% (1,079)FHA 23% (361)VA 9% (149)USDA 0% (2)
Denial reasons as coded
Share of 130 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Volusia County | 436 | 305 | $80m | 4.4% |
| Orange County | 275 | 196 | $63m | 8.8% |
| Okaloosa County | 149 | 117 | $31m | 7.9% |
| Pinellas County | 143 | 101 | $30m | 10.4% |
| Polk County | 135 | 98 | $26m | 7.5% |
| Seminole County | 134 | 97 | $30m | 3.0% |
| Lake County | 113 | 83 | $24m | 1.2% |
| Palm Beach County | 92 | 59 | $21m | 9.2% |
| Hillsborough County | 90 | 59 | $18m | 7.8% |
| Osceola County | 71 | 53 | $15m | 8.6% |
| Lee County | 71 | 49 | $16m | 10.7% |
| Pasco County | 62 | 39 | $9.4m | 4.8% |
| Flagler County | 41 | 34 | $8.6m | 0.0% |
| Brevard County | 41 | 28 | $8.2m | 9.7% |
| Walton County | 32 | 22 | $8.2m | — |
| St. Lucie County | 28 | 22 | $5.0m | — |
| Marion County | 30 | 20 | $4.9m | — |
| Hernando County | 34 | 17 | $3.6m | 32.0% |
| Manatee County | 32 | 17 | $3.9m | — |
| Broward County | 28 | 16 | $6.7m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Waterstone Mortgage Corporation originate in Florida in 2024?
1,591 loans totalling $459m, from 2,273 applications reported for properties in Florida.
What is Waterstone Mortgage Corporation's denial rate in Florida?
7.5% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 5.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Waterstone Mortgage Corporation lend in most?
By originations: Volusia County (305), Orange County (196), Okaloosa County (117), Pinellas County (101), Polk County (98).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.