Waterford Bank, N.A.
Waterford Bank, N.A. received 66 applications in 2025 and made 57 mortgages, in 18 counties across 7 states. The median rate its borrowers got was Not published on a median loan of $270,000. Of 59 decisions, 1 were denials — 1.7%, most often for collateral.
| Legal Entity Identifier | 549300Z8EM6P4IUIYG50 |
|---|---|
| Applications received | 66 |
| Mortgages made | 57 |
| Denied | 1 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Waterford Bank, N.A., 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 45 | Not published | $265,000 | 0.0% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where Waterford Bank, N.A. lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lucas County, OH | 31 | Not published | 3.0% |
| Monroe County, MI | 5 | Under 10 loans | 0.0% |
| Wood County, OH | 4 | Under 10 loans | 0.0% |
| Macomb County, MI | 2 | Under 10 loans | 0.0% |
| Oakland County, MI | 2 | Under 10 loans | 0.0% |
| Wayne County, MI | 2 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Steuben County, IN | 1 | Under 10 loans | 0.0% |
| Ingham County, MI | 1 | Under 10 loans | 0.0% |
| Kent County, MI | 1 | Under 10 loans | 0.0% |
| Leelanau County, MI | 1 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 1 | Under 10 loans | 0.0% |
| Hancock County, OH | 1 | Under 10 loans | 0.0% |
| Ottawa County, OH | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| Cabell County, WV | 1 | Under 10 loans | 0.0% |
| Emmet County, MI | 0 | Under 10 loans | Not published |
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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.