Waterman State Bank
Waterman State Bank received 481 applications in 2025 and made 357 mortgages, in 74 counties across 24 states. The median rate its borrowers got was Not published on a median loan of $375,000. Of 391 decisions, 22 were denials — 5.6%.
| Legal Entity Identifier | 549300X6ESK4SUBRYL85 |
|---|---|
| Applications received | 481 |
| Mortgages made | 357 |
| Denied | 22 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 90 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This 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
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 259 | Not published | $355,000 | 5.6% |
| Refinancing | 69 | Not published | $485,000 | 4.1% |
| Cash-out refinancing | 22 | Not published | $245,000 | 11.5% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 0.0% |
Where Waterman State Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cook County, IL | 193 | Not published | 5.7% |
| Lake County, IL | 30 | Not published | 0.0% |
| DuPage County, IL | 23 | Not published | 4.0% |
| Palm Beach County, FL | 13 | Not published | 17.7% |
| Kane County, IL | 11 | Not published | 0.0% |
| Dallas County, TX | 7 | Under 10 loans | 0.0% |
| McHenry County, IL | 6 | Under 10 loans | 0.0% |
| Will County, IL | 6 | Under 10 loans | 0.0% |
| Oakland County, MI | 4 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 3 | Under 10 loans | 0.0% |
| District of Columbia, DC | 2 | Under 10 loans | 0.0% |
| St. Lucie County, FL | 2 | Under 10 loans | 0.0% |
| Kendall County, IL | 2 | Under 10 loans | 0.0% |
| Cass County, MI | 2 | Under 10 loans | 0.0% |
| Denton County, TX | 2 | Under 10 loans | 0.0% |
| Waukesha County, WI | 2 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 1 | Under 10 loans | 50.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| Denver County, CO | 1 | Under 10 loans | 0.0% |
| El Paso County, CO | 1 | Under 10 loans | 0.0% |
| Jefferson County, CO | 1 | Under 10 loans | 0.0% |
| Mesa County, CO | 1 | Under 10 loans | 0.0% |
| Western Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| St. Johns County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Effingham County, GA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Gilmer County, GA | 1 | Under 10 loans | 0.0% |
| Walker County, GA | 1 | Under 10 loans | 0.0% |
| Champaign County, IL | 1 | Under 10 loans | 0.0% |
| DeKalb County, IL | 1 | Under 10 loans | 0.0% |
| Ford County, IL | 1 | Under 10 loans | 0.0% |
| Grundy County, IL | 1 | Under 10 loans | 0.0% |
| McLean County, IL | 1 | Under 10 loans | 0.0% |
| Peoria County, IL | 1 | Under 10 loans | 0.0% |
| Tazewell County, IL | 1 | Under 10 loans | 0.0% |
| Lake County, IN | 1 | Under 10 loans | 0.0% |
| Monroe County, IN | 1 | Under 10 loans | 0.0% |
| Johnson County, KS | 1 | Under 10 loans | 0.0% |
| Jefferson Parish, LA | 1 | Under 10 loans | 0.0% |
| Norfolk County, MA | 1 | Under 10 loans | 0.0% |
| Berrien County, MI | 1 | Under 10 loans | 50.0% |
| Oceana County, MI | 1 | Under 10 loans | 0.0% |
| Van Buren County, MI | 1 | Under 10 loans | 0.0% |
| Cottonwood County, MN | 1 | Under 10 loans | 0.0% |
| Lake County, MN | 1 | Under 10 loans | 0.0% |
| St. Louis County, MN | 1 | Under 10 loans | 0.0% |
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When Waterman State Bank’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.