WaterStone Bank, SSB
WaterStone Bank, SSB received 129 applications in 2025 and made 91 mortgages, in 38 counties across 15 states. The median rate its borrowers got was Not published on a median loan of $495,000. Of 120 decisions, 23 were denials — 19.2%.
| Legal Entity Identifier | 549300GDJSUYPH6UC416 |
|---|---|
| Applications received | 129 |
| Mortgages made | 91 |
| Denied | 23 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 12 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: WaterStone Bank, SSB, 16 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 50 | Not published | $505,000 | 17.9% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Cash-out refinancing | 30 | Not published | $620,000 | 18.4% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 16.7% |
Where WaterStone Bank, SSB lends most
The 38 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Milwaukee County, WI | 48 | Not published | 20.6% |
| Waukesha County, WI | 11 | Not published | 27.8% |
| Henry County, IN | 4 | Under 10 loans | 0.0% |
| Washington County, WI | 3 | Under 10 loans | 33.3% |
| Rush County, IN | 2 | Under 10 loans | 0.0% |
| Stark County, OH | 2 | Under 10 loans | 0.0% |
| Outagamie County, WI | 2 | Under 10 loans | 0.0% |
| Racine County, WI | 2 | Under 10 loans | 0.0% |
| Blackford County, IN | 1 | Under 10 loans | 0.0% |
| Scott County, IA | 1 | Under 10 loans | 0.0% |
| Anoka County, MN | 1 | Under 10 loans | 0.0% |
| Ramsey County, MN | 1 | Under 10 loans | 0.0% |
| Taney County, MO | 1 | Under 10 loans | 0.0% |
| Brown County, WI | 1 | Under 10 loans | 0.0% |
| Burnett County, WI | 1 | Under 10 loans | 50.0% |
| Dodge County, WI | 1 | Under 10 loans | 0.0% |
| Fond du Lac County, WI | 1 | Under 10 loans | 0.0% |
| Forest County, WI | 1 | Under 10 loans | 0.0% |
| Juneau County, WI | 1 | Under 10 loans | 0.0% |
| La Crosse County, WI | 1 | Under 10 loans | 0.0% |
| Marathon County, WI | 1 | Under 10 loans | 0.0% |
| Oneida County, WI | 1 | Under 10 loans | 0.0% |
| Ozaukee County, WI | 1 | Under 10 loans | 0.0% |
| Rock County, WI | 1 | Under 10 loans | 0.0% |
| Winnebago County, WI | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 0 | Under 10 loans | Not published |
| Western Connecticut Planning Region, CT | 0 | Under 10 loans | Not published |
| Orange County, FL | 0 | Under 10 loans | 100.0% |
| Santa Rosa County, FL | 0 | Under 10 loans | Not published |
| Seminole County, FL | 0 | Under 10 loans | Not published |
| Jefferson County, IL | 0 | Under 10 loans | Not published |
| Hendricks County, IN | 0 | Under 10 loans | Not published |
| Jefferson Parish, LA | 0 | Under 10 loans | Not published |
| Worcester County, MD | 0 | Under 10 loans | Not published |
| Nicollet County, MN | 0 | Under 10 loans | Not published |
| Tulsa County, OK | 0 | Under 10 loans | 100.0% |
| Loudon County, TN | 0 | Under 10 loans | Not published |
| Berkeley County, WV | 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.