Waterstone Mortgage Corporation Rates, Fees & Info

Pewaukee, WI

LEI: 549300GRGZDEH4ZGQS06

Tax ID: 39-2001010

3.4 stars - out of 5 stars, based on 130 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Waterstone Mortgage Corporation is a mid-sized mortgage company specializing in loans. Waterstone Mortgage Corporation has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Albuquerque, Orlando, Phoenix, Minneapolis, and Boise City among others. We have data for 378 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Waterstone Mortgage Corporation has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Waterstone Mortgage Corporation is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.93% 1/29/23
    30 Year Conventional Refi 6.61% 1/29/23
    30 Year Cash-out Refi 6.81% 1/29/23
    30 Year FHA Purchase 7.75% 1/29/23
    30 Year FHA Refi 7.41% 1/29/23
    30 Year VA Purchase 6.48% 1/29/23
    30 Year VA Refi 6.17% 1/29/23
    30 Year USDA Purchase 6.93% 1/29/23
    30 Year USDA Refi 6.64% 1/29/23
    15 Year Conventional Purchase 6.04% 1/29/23
    15 Year Conventional Refi 6.07% 1/29/23
    15 Year Cash-out Refi 6.07% 1/29/23
    15 Year FHA Purchase 5.78% 1/29/23
    15 Year FHA Refi 8.40% 1/29/23
    15 Year VA Purchase 5.92% 1/29/23
    15 Year VA Refi 6.09% 1/29/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    16,802

    Origination Dollar Volume (All Markets)

    $4,252,710,000
    Show all (5) awards

    Relative Rate

    Waterstone Mortgage Corporation's average 30 year fixed mortgage rate was 3.31%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.16%.

    Relative Fees (Closing Costs)

    Waterstone Mortgage Corporation's average total fees/closing costs for a 30 year fixed rate mortgage were $5,883.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    ALBUQUERQUE, NM (FHA|USDA|VA) 2,758 $624,830,000 $226,552 $4,857 3.46%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1,270 $379,000,000 $298,425 $6,101 3.20%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1,137 $369,845,000 $325,281 $6,324 3.10%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 803 $232,475,000 $289,508 $5,452 3.09%
    BOISE CITY, ID (FHA|USDA|VA) 616 $187,590,000 $304,529 $7,356 3.16%
    Outside of Metro Areas 689 $144,775,000 $210,123 $5,515 3.25%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 997 $137,025,000 $137,437 $5,837 3.38%
    SANTA FE, NM (FHA|USDA|VA) 359 $132,635,000 $369,457 $5,179 3.26%
    TULSA, OK (FHA|USDA|VA) 599 $130,175,000 $217,321 $5,531 3.21%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 353 $128,165,000 $363,074 $7,402 3.19%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 351 $119,805,000 $341,325 $5,664 3.18%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 306 $109,320,000 $357,255 $8,770 2.99%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 375 $91,925,000 $245,133 $5,368 2.96%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 348 $87,900,000 $252,586 $3,365 3.21%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 256 $73,700,000 $287,891 $5,485 3.14%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 254 $63,730,000 $250,906 $5,964 3.23%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 210 $62,950,000 $299,762 $7,427 3.24%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 177 $54,995,000 $310,706 $6,386 3.24%
    FARMINGTON, NM (FHA|USDA|VA) 323 $52,715,000 $163,204 $4,773 3.56%
    APPLETON, WI (FHA|USDA|VA) 256 $43,080,000 $168,281 $3,548 3.34%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 156 $42,240,000 $270,769 $6,060 2.85%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 130 $42,090,000 $323,769 $6,479 3.26%
    GREEN BAY, WI (FHA|USDA|VA) 193 $34,165,000 $177,021 $3,315 3.32%
    LAS CRUCES, NM (FHA|USDA|VA) 196 $33,640,000 $171,633 $4,995 3.65%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 134 $31,400,000 $234,328 $5,758 3.34%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 109 $30,745,000 $282,064 $6,262 3.29%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 112 $28,110,000 $250,982 $7,410 3.30%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 79 $26,815,000 $339,430 $8,468 3.07%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 195 $26,455,000 $135,667 $3,288 3.34%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 81 $25,225,000 $311,420 $5,524 3.21%
    EL PASO, TX (FHA|USDA|VA) 113 $25,175,000 $222,788 $6,094 3.25%
    Los Alamos, NM (FHA|USDA|VA) 60 $23,990,000 $399,833 $6,245 3.10%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 126 $22,760,000 $180,635 $4,538 3.14%
    BLOOMINGTON, IL (FHA|USDA|VA) 129 $18,935,000 $146,783 $4,468 2.76%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 54 $18,540,000 $343,333 $7,488 3.18%
    JACKSON, MI (FHA|USDA|VA) 95 $17,815,000 $187,526 $3,515 3.43%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 29 $16,465,000 $567,759 $9,005 3.09%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 93 $16,235,000 $174,570 $6,865 3.30%
    STAUNTON, VA (FHA|USDA|VA) 75 $14,875,000 $198,333 $5,538 3.30%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 37 $14,585,000 $394,189 $5,165 3.29%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 81 $13,725,000 $169,444 $6,544 3.10%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 91 $13,175,000 $144,780 $6,306 3.21%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 45 $12,135,000 $269,667 $6,957 3.13%
    PANAMA CITY, FL (FHA|USDA|VA) 46 $11,980,000 $260,435 $7,033 3.10%
    AKRON, OH (FHA|USDA|VA) 57 $10,455,000 $183,421 $6,735 3.36%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 44 $10,400,000 $236,364 $4,710 3.17%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 39 $10,345,000 $265,256 $6,819 3.41%
    JACKSONVILLE, FL (FHA|USDA|VA) 38 $10,210,000 $268,684 $5,450 3.26%
    SALEM, OR (FHA|USDA|VA) 30 $9,000,000 $300,000 $8,061 3.21%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 34 $8,820,000 $259,412 $6,125 3.18%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 30 $8,700,000 $290,000 $7,546 3.69%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 27 $8,145,000 $301,667 $6,979 3.27%
    Salem, OH (FHA|USDA|VA) 49 $8,145,000 $166,224 $6,085 3.41%
    Breckenridge, CO (FHA|USDA|VA) 12 $8,090,000 $674,167 $8,316 3.08%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 26 $7,250,000 $278,846 $5,466 3.23%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 27 $7,145,000 $264,630 $6,756 3.16%
    KNOXVILLE, TN (FHA|USDA|VA) 23 $6,865,000 $298,478 $5,465 3.35%
    RICHMOND, VA (FHA|USDA|VA) 27 $6,305,000 $233,519 $5,854 3.13%
    Stevens Point, WI (FHA|USDA|VA) 36 $6,190,000 $171,944 $5,326 3.26%
    OCALA, FL (FHA|USDA|VA) 33 $6,185,000 $187,424 $5,427 3.01%
    Española, NM (FHA|USDA|VA) 29 $6,165,000 $212,586 $4,792 3.84%
    Durango, CO (FHA|USDA|VA) 18 $5,700,000 $316,667 $5,245 3.33%
    Concord, NH (FHA|USDA|VA) 21 $5,685,000 $270,714 $6,654 3.35%
    PITTSBURGH, PA (FHA|USDA|VA) 32 $5,210,000 $162,813 $6,207 3.43%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 14 $5,160,000 $368,571 $8,156 3.13%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 19 $5,115,000 $269,211 $5,440 3.24%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 12 $4,970,000 $414,167 $8,050 3.27%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 22 $4,770,000 $216,818 $5,738 3.26%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 13 $4,735,000 $364,231 $5,825 3.26%
    Las Vegas, NM (FHA|USDA|VA) 25 $4,625,000 $185,000 $4,301 3.41%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 16 $4,100,000 $256,250 $4,858 3.26%
    FOND DU LAC, WI (FHA|USDA|VA) 32 $4,030,000 $125,938 $3,263 3.33%
    TUCSON, AZ (FHA|USDA|VA) 15 $4,025,000 $268,333 $5,910 3.28%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 8 $4,010,000 $501,250 $6,576 3.34%
    TEXARKANA, TX-AR (FHA|USDA|VA) 20 $3,960,000 $198,000 $6,619 3.14%
    Andrews, TX (FHA|USDA|VA) 16 $3,600,000 $225,000 $6,417 3.63%
    Taos, NM (FHA|USDA|VA) 12 $3,560,000 $296,667 $4,495 3.38%
    Pecos, TX (FHA|USDA|VA) 14 $3,520,000 $251,429 $8,676 3.73%
    Gallup, NM (FHA|USDA|VA) 19 $3,515,000 $185,000 $5,560 3.32%
    Ashtabula, OH (FHA|USDA|VA) 22 $3,430,000 $155,909 $7,306 3.18%
    Clewiston, FL (FHA|USDA|VA) 16 $3,280,000 $205,000 $6,992 3.27%
    Mountain Home, ID (FHA|USDA|VA) 11 $3,265,000 $296,818 $5,827 3.34%
    SALT LAKE CITY, UT (FHA|USDA|VA) 7 $3,205,000 $457,857 $4,067 3.05%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 4 $3,180,000 $795,000 $6,801 3.41%
    Enterprise, AL (FHA|USDA|VA) 13 $3,155,000 $242,692 $9,103 3.18%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 9 $3,125,000 $347,222 $6,191 3.25%
    Ruidoso, NM (FHA|USDA|VA) 12 $3,060,000 $255,000 $4,036 3.63%
    LYNCHBURG, VA (FHA|USDA|VA) 16 $3,020,000 $188,750 $5,971 2.95%
    Ontario, OR-ID (FHA|USDA|VA) 12 $3,020,000 $251,667 $7,594 3.28%
    SALISBURY, MD-DE (FHA|USDA|VA) 10 $2,970,000 $297,000 $5,506 2.74%
    THE VILLAGES, FL (FHA|USDA|VA) 12 $2,960,000 $246,667 $5,988 3.19%
    Show Low, AZ (FHA|USDA|VA) 12 $2,790,000 $232,500 $5,466 3.29%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $2,780,000 $1,390,000 $11,959 3.06%
    ST. CLOUD, MN (FHA|USDA|VA) 14 $2,660,000 $190,000 $4,822 3.28%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 10 $2,660,000 $266,000 $6,009 3.13%
    Payson, AZ (FHA|USDA|VA) 9 $2,655,000 $295,000 $7,450 3.00%
    Athens, TX (FHA|USDA|VA) 3 $2,635,000 $878,333 $10,529 3.08%
    PROVO-OREM, UT (FHA|USDA|VA) 6 $2,550,000 $425,000 $6,669 3.54%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 10 $2,510,000 $251,000 $7,236 3.68%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 4 $2,490,000 $622,500 $7,650 3.16%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $2,430,000 $405,000 $5,776 3.31%
    PEORIA, IL (FHA|USDA|VA) 22 $2,420,000 $110,000 $3,824 2.54%
    Glenwood Springs, CO (FHA|USDA|VA) 4 $2,360,000 $590,000 $18,461 2.69%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 5 $2,345,000 $469,000 $5,432 3.25%
    RACINE, WI (FHA|USDA|VA) 11 $2,255,000 $205,000 $4,374 3.42%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 9 $2,195,000 $243,889 $2,392 3.21%
    IDAHO FALLS, ID (FHA|USDA|VA) 8 $2,150,000 $268,750 $6,735 3.28%
    Brainerd, MN (FHA|USDA|VA) 8 $2,130,000 $266,250 $5,709 3.13%
    Laconia, NH (FHA|USDA|VA) 7 $2,105,000 $300,714 $6,473 3.41%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $2,050,000 $512,500 $5,687 3.31%
    Roswell, NM (FHA|USDA|VA) 13 $2,035,000 $156,538 $4,437 3.48%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 7 $2,025,000 $289,286 $8,718 2.79%
    Shawano, WI (FHA|USDA|VA) 13 $1,985,000 $152,692 $4,696 3.27%
    PUNTA GORDA, FL (FHA|USDA|VA) 7 $1,875,000 $267,857 $7,995 3.20%
    Hobbs, NM (FHA|USDA|VA) 8 $1,870,000 $233,750 $5,886 3.09%
    ASHEVILLE, NC (FHA|USDA|VA) 5 $1,835,000 $367,000 $6,102 2.85%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 12 $1,830,000 $152,500 $5,813 3.42%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 5 $1,795,000 $359,000 $4,024 3.08%
    BOULDER, CO (FHA|USDA|VA) 3 $1,785,000 $595,000 $3,993 3.08%
    Whitewater, WI (FHA|USDA|VA) 8 $1,780,000 $222,500 $3,140 3.09%
    FLAGSTAFF, AZ (FHA|USDA|VA) 4 $1,710,000 $427,500 $6,257 2.88%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 10 $1,710,000 $171,000 $3,570 3.34%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 6 $1,690,000 $281,667 $3,776 3.23%
    Hutchinson, MN (FHA|USDA|VA) 7 $1,645,000 $235,000 $4,899 3.30%
    MADISON, WI (FHA|USDA|VA) 6 $1,640,000 $273,333 $5,612 3.29%
    Alamogordo, NM (FHA|USDA|VA) 12 $1,620,000 $135,000 $5,020 3.80%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 5 $1,535,000 $307,000 $5,161 3.18%
    COLUMBUS, OH (FHA|USDA|VA) 6 $1,530,000 $255,000 $5,728 3.27%
    BEND, OR (FHA|USDA|VA) 3 $1,475,000 $491,667 $4,095 2.92%
    New Castle, PA (FHA|USDA|VA) 11 $1,475,000 $134,091 $6,605 3.30%
    DULUTH, MN-WI (FHA|USDA|VA) 6 $1,470,000 $245,000 $4,416 3.29%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 4 $1,450,000 $362,500 $5,073 3.16%
    ODESSA, TX (FHA|USDA|VA) 9 $1,445,000 $160,556 $6,075 3.79%
    Muskogee, OK (FHA|USDA|VA) 5 $1,435,000 $287,000 $7,902 3.38%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 4 $1,420,000 $355,000 $6,769 3.50%
    Edwards, CO (FHA|USDA|VA) 2 $1,410,000 $705,000 $4,810 3.69%
    IOWA CITY, IA (FHA|USDA|VA) 7 $1,395,000 $199,286 $4,849 3.04%
    SHEBOYGAN, WI (FHA|USDA|VA) 7 $1,385,000 $197,857 $5,100 3.27%
    EAU CLAIRE, WI (FHA|USDA|VA) 7 $1,365,000 $195,000 $5,952 3.29%
    Outside of Metro Areas 3 $1,365,000 $455,000 $10,831 2.92%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 6 $1,350,000 $225,000 $9,629 3.27%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 6 $1,340,000 $223,333 $6,452 3.04%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 7 $1,325,000 $189,286 $6,067 3.71%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $1,305,000 $261,000 $5,858 2.60%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $1,305,000 $435,000 $4,797 3.25%
    Beaver Dam, WI (FHA|USDA|VA) 7 $1,275,000 $182,143 $3,042 3.21%
    LEWISTON, ID-WA (FHA|USDA|VA) 6 $1,270,000 $211,667 $5,982 3.25%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $1,265,000 $421,667 $6,545 3.33%
    Cañon City, CO (FHA|USDA|VA) 3 $1,265,000 $421,667 $5,058 2.83%
    Fredericksburg, TX (FHA|USDA|VA) 2 $1,190,000 $595,000 $10,584 3.19%
    TYLER, TX (FHA|USDA|VA) 3 $1,155,000 $385,000 $5,050 3.29%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $1,150,000 $287,500 $7,610 3.50%
    Manitowoc, WI (FHA|USDA|VA) 10 $1,140,000 $114,000 $3,560 3.39%
    ANN ARBOR, MI (FHA|USDA|VA) 4 $1,140,000 $285,000 $3,320 3.22%
    Key West, FL (FHA|USDA|VA) 2 $1,110,000 $555,000 $5,912 2.75%
    Bozeman, MT (FHA|USDA|VA) 2 $1,090,000 $545,000 $8,178 3.38%
    MIDLAND, TX (FHA|USDA|VA) 4 $1,080,000 $270,000 $6,306 3.44%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $1,065,000 $355,000 $6,448 3.04%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 4 $1,060,000 $265,000 $5,405 3.34%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 4 $1,060,000 $265,000 $7,521 3.06%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 3 $1,055,000 $351,667 $6,798 3.38%
    FORT COLLINS, CO (FHA|USDA|VA) 3 $1,035,000 $345,000 $7,662 2.79%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 3 $1,025,000 $341,667 $3,519 3.33%
    BAKERSFIELD, CA (FHA|USDA|VA) 2 $1,020,000 $510,000 $5,961 3.50%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 6 $1,000,000 $166,667 $5,641 3.17%
    RALEIGH-CARY, NC (FHA|USDA|VA) 5 $995,000 $199,000 $4,659 3.23%
    WILMINGTON, NC (FHA|USDA|VA) 4 $960,000 $240,000 $4,615 3.13%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 5 $955,000 $191,000 $3,826 3.08%
    Silver City, NM (FHA|USDA|VA) 5 $955,000 $191,000 $5,632 3.38%
    TWIN FALLS, ID (FHA|USDA|VA) 4 $950,000 $237,500 $5,656 3.22%
    BATTLE CREEK, MI (FHA|USDA|VA) 6 $940,000 $156,667 $3,737 3.63%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 4 $940,000 $235,000 $4,225 2.94%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 5 $935,000 $187,000 $2,654 3.15%
    GAINESVILLE, GA (FHA|USDA|VA) 3 $905,000 $301,667 $5,562 3.08%
    Alexandria, MN (FHA|USDA|VA) 3 $905,000 $301,667 $6,831 3.33%
    Clovis, NM (FHA|USDA|VA) 5 $905,000 $181,000 $4,374 3.60%
    Menomonie, WI (FHA|USDA|VA) 4 $890,000 $222,500 $5,512 2.97%
    HOT SPRINGS, AR (FHA|USDA|VA) 4 $880,000 $220,000 $3,756 3.28%
    SAVANNAH, GA (FHA|USDA|VA) 3 $875,000 $291,667 $7,021 3.25%
    GREELEY, CO (FHA|USDA|VA) 2 $870,000 $435,000 $10,015 2.94%
    Granbury, TX (FHA|USDA|VA) 4 $870,000 $217,500 $6,799 3.19%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 6 $860,000 $143,333 $3,646 3.46%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 6 $860,000 $143,333 $3,497 3.38%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 5 $845,000 $169,000 $3,288 3.20%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $785,000 $261,667 $2,550 2.88%
    DUBUQUE, IA (FHA|USDA|VA) 5 $785,000 $157,000 $5,424 3.15%
    CHEYENNE, WY (FHA|USDA|VA) 2 $770,000 $385,000 $5,932 3.13%
    Adrian, MI (FHA|USDA|VA) 5 $755,000 $151,000 $2,913 3.10%
    WICHITA, KS (FHA|USDA|VA) 3 $725,000 $241,667 $3,825 3.33%
    Meadville, PA (FHA|USDA|VA) 7 $725,000 $103,571 $5,174 3.36%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 4 $710,000 $177,500 $4,326 3.44%
    WORCESTER, MA-CT (FHA|USDA|VA) 2 $710,000 $355,000 $10,723 3.38%
    HATTIESBURG, MS (FHA|USDA|VA) 1 $705,000 $705,000 $8,733 3.00%
    VALDOSTA, GA (FHA|USDA|VA) 3 $695,000 $231,667 $4,819 3.42%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $670,000 $335,000 $9,401 3.13%
    Bartlesville, OK (FHA|USDA|VA) 5 $665,000 $133,000 $5,822 3.75%
    McAlester, OK (FHA|USDA|VA) 3 $655,000 $218,333 $3,259 2.83%
    WINCHESTER, VA-WV (FHA|USDA|VA) 2 $640,000 $320,000 $9,630 2.81%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $635,000 $211,667 $2,265 3.25%
    TALLAHASSEE, FL (FHA|USDA|VA) 2 $630,000 $315,000 $3,824 3.38%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $625,000 $625,000 $4,234 3.50%
    Newport, TN (FHA|USDA|VA) 2 $620,000 $310,000 $6,630 3.00%
    Riverton, WY (FHA|USDA|VA) 2 $610,000 $305,000 $3,778 3.25%
    POCATELLO, ID (FHA|USDA|VA) 3 $605,000 $201,667 $7,292 2.83%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $600,000 $300,000 $5,614 3.13%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $585,000 $585,000 $8,897 2.88%
    Augusta-Waterville, ME (FHA|USDA|VA) 2 $580,000 $290,000 $4,917 3.06%
    FORT SMITH, AR-OK (FHA|USDA|VA) 3 $565,000 $188,333 $7,182 2.71%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $560,000 $280,000 $3,017 3.25%
    LUBBOCK, TX (FHA|USDA|VA) 4 $560,000 $140,000 $5,056 3.59%
    DOTHAN, AL (FHA|USDA|VA) 4 $560,000 $140,000 $4,736 3.44%
    JACKSONVILLE, NC (FHA|USDA|VA) 2 $550,000 $275,000 $5,553 3.19%
    Bellefontaine, OH (FHA|USDA|VA) 1 $545,000 $545,000 $5,339 3.00%
    Marion, NC (FHA|USDA|VA) 1 $545,000 $545,000 $6,624 3.13%
    ROCHESTER, MN (FHA|USDA|VA) 1 $545,000 $545,000 $4,124 3.63%
    Rexburg, ID (FHA|USDA|VA) 1 $545,000 $545,000 $5,829 3.13%
    Mineral Wells, TX (FHA|USDA|VA) 1 $545,000 $545,000 $8,259 3.00%
    LANCASTER, PA (FHA|USDA|VA) 1 $545,000 $545,000 $11,642 3.38%
    Boone, NC (FHA|USDA|VA) 1 $545,000 $545,000 $4,282 2.88%
    Safford, AZ (FHA|USDA|VA) 2 $540,000 $270,000 $3,935 2.69%
    MERCED, CA (FHA|USDA|VA) 1 $535,000 $535,000 $3,673 2.88%
    ROCKFORD, IL (FHA|USDA|VA) 3 $525,000 $175,000 $3,698 3.21%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $525,000 $525,000 $6,177 2.50%
    WARNER ROBINS, GA (FHA|USDA|VA) 2 $520,000 $260,000 $3,967 3.38%
    Cedartown, GA (FHA|USDA|VA) 1 $515,000 $515,000 $20,144 3.25%
    Grants, NM (FHA|USDA|VA) 3 $505,000 $168,333 $5,041 3.13%
    Gainesville, TX (FHA|USDA|VA) 2 $500,000 $250,000 $5,994 2.94%
    Jackson, WY-ID (FHA|USDA|VA) 1 $495,000 $495,000 $4,114 2.63%
    Sevierville, TN (FHA|USDA|VA) 2 $490,000 $245,000 $4,243 3.25%
    Palatka, FL (FHA|USDA|VA) 3 $485,000 $161,667 $6,107 3.33%
    Marinette, WI-MI (FHA|USDA|VA) 5 $485,000 $97,000 $3,330 3.35%
    Burlington, IA-IL (FHA|USDA|VA) 4 $480,000 $120,000 $4,630 2.81%
    Big Spring, TX (FHA|USDA|VA) 1 $475,000 $475,000 $7,671 3.50%
    Lebanon, NH-VT (FHA|USDA|VA) 3 $475,000 $158,333 $5,946 3.38%
    HARRISONBURG, VA (FHA|USDA|VA) 2 $470,000 $235,000 $7,344 3.13%
    Hillsdale, MI (FHA|USDA|VA) 3 $465,000 $155,000 $2,765 3.25%
    Fergus Falls, MN (FHA|USDA|VA) 1 $465,000 $465,000 $9,067 3.00%
    MODESTO, CA (FHA|USDA|VA) 1 $465,000 $465,000 $6,049 3.00%
    COLUMBIA, SC (FHA|USDA|VA) 2 $460,000 $230,000 $4,044 3.44%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 3 $455,000 $151,667 $4,218 3.42%
    STOCKTON, CA (FHA|USDA|VA) 1 $445,000 $445,000 $3,064 3.50%
    GAINESVILLE, FL (FHA|USDA|VA) 3 $445,000 $148,333 $3,584 3.13%
    Newport, OR (FHA|USDA|VA) 2 $440,000 $220,000 $7,390 3.00%
    Starkville, MS (FHA|USDA|VA) 1 $435,000 $435,000 $8,199 2.88%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $430,000 $215,000 $8,655 3.31%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $420,000 $210,000 $5,347 3.38%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $405,000 $405,000 $4,833 3.25%
    Indiana, PA (FHA|USDA|VA) 2 $400,000 $200,000 $6,405 3.25%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $400,000 $200,000 $3,953 3.06%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $400,000 $200,000 $4,292 3.06%
    Montrose, CO (FHA|USDA|VA) 2 $400,000 $200,000 $3,209 2.94%
    Brevard, NC (FHA|USDA|VA) 1 $395,000 $395,000 $4,301 2.88%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $390,000 $195,000 $5,070 3.31%
    JACKSON, TN (FHA|USDA|VA) 2 $390,000 $195,000 $6,033 3.19%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $390,000 $195,000 $7,298 3.56%
    Iron Mountain, MI-WI (FHA|USDA|VA) 2 $390,000 $195,000 $3,007 3.50%
    Ozark, AL (FHA|USDA|VA) 3 $385,000 $128,333 $3,714 3.63%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $385,000 $385,000 $4,242 3.38%
    Hood River, OR (FHA|USDA|VA) 1 $385,000 $385,000 $7,559 3.13%
    LAWRENCE, KS (FHA|USDA|VA) 1 $385,000 $385,000 $2,633 2.13%
    Seneca, SC (FHA|USDA|VA) 2 $380,000 $190,000 $3,472 3.13%
    Heber, UT (FHA|USDA|VA) 1 $375,000 $375,000 $4,489 3.50%
    Keene, NH (FHA|USDA|VA) 2 $370,000 $185,000 $5,098 3.19%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $370,000 $185,000 $5,224 3.88%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $360,000 $180,000 $4,162 2.94%
    Faribault-Northfield, MN (FHA|USDA|VA) 2 $360,000 $180,000 $6,159 3.19%
    Oil City, PA (FHA|USDA|VA) 3 $355,000 $118,333 $6,224 3.42%
    Cullman, AL (FHA|USDA|VA) 1 $355,000 $355,000 $13,182 3.13%
    RENO, NV (FHA|USDA|VA) 1 $355,000 $355,000 $0 3.25%
    Grand Rapids, MN (FHA|USDA|VA) 2 $350,000 $175,000 $3,262 3.31%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $340,000 $170,000 $4,476 2.94%
    Blackfoot, ID (FHA|USDA|VA) 1 $335,000 $335,000 $16,964 3.63%
    Hope, AR (FHA|USDA|VA) 2 $330,000 $165,000 $2,745 3.56%
    CLEVELAND, TN (FHA|USDA|VA) 1 $325,000 $325,000 $6,994 3.00%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $325,000 $325,000 $4,265 3.13%
    Ottumwa, IA (FHA|USDA|VA) 3 $315,000 $105,000 $5,008 3.21%
    Cedar City, UT (FHA|USDA|VA) 3 $315,000 $105,000 $2,710 2.63%
    MOBILE, AL (FHA|USDA|VA) 1 $315,000 $315,000 $6,429 2.50%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $305,000 $305,000 $5,057 3.13%
    Eureka-Arcata, CA (FHA|USDA|VA) 1 $305,000 $305,000 $5,630 3.50%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 3 $305,000 $101,667 $4,316 2.25%
    Torrington, CT (FHA|USDA|VA) 2 $300,000 $150,000 $4,865 3.81%
    Baraboo, WI (FHA|USDA|VA) 2 $300,000 $150,000 $3,835 2.94%
    LAREDO, TX (FHA|USDA|VA) 2 $300,000 $150,000 $4,297 3.19%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $295,000 $295,000 $9,114 2.75%
    DECATUR, IL (FHA|USDA|VA) 1 $295,000 $295,000 $10,092 3.50%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 4 $290,000 $72,500 $3,778 3.75%
    Jefferson, GA (FHA|USDA|VA) 1 $285,000 $285,000 $7,346 3.25%
    GRAND ISLAND, NE (FHA|USDA|VA) 1 $285,000 $285,000 $11,284 2.88%
    Pella, IA (FHA|USDA|VA) 1 $285,000 $285,000 $2,608 2.88%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $285,000 $285,000 $9,612 3.25%
    Huntington, IN (FHA|USDA|VA) 1 $285,000 $285,000 $8,209 3.88%
    Berlin, NH (FHA|USDA|VA) 2 $280,000 $140,000 $6,269 3.25%
    NILES, MI (FHA|USDA|VA) 2 $280,000 $140,000 $4,400 3.69%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $275,000 $275,000 $2,182 3.00%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $275,000 $275,000 $8,101 3.50%
    Sulphur Springs, TX (FHA|USDA|VA) 1 $265,000 $265,000 $7,296 4.25%
    Pullman, WA (FHA|USDA|VA) 1 $265,000 $265,000 $12,101 3.88%
    Campbellsville, KY (FHA|USDA|VA) 2 $260,000 $130,000 $4,144 2.94%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $255,000 $255,000 $2,996 3.25%
    LOGAN, UT-ID (FHA|USDA|VA) 1 $255,000 $255,000 $4,914 3.38%
    LINCOLN, NE (FHA|USDA|VA) 1 $255,000 $255,000 $2,940 3.75%
    CORVALLIS, OR (FHA|USDA|VA) 1 $255,000 $255,000 $5,118 2.75%
    Ada, OK (FHA|USDA|VA) 2 $250,000 $125,000 $5,266 3.06%
    ERIE, PA (FHA|USDA|VA) 2 $250,000 $125,000 $4,539 3.13%
    Stephenville, TX (FHA|USDA|VA) 2 $250,000 $125,000 $5,438 3.31%
    Warsaw, IN (FHA|USDA|VA) 1 $245,000 $245,000 $976 2.38%
    Cambridge, MD (FHA|USDA|VA) 1 $245,000 $245,000 $5,613 2.50%
    Red Wing, MN (FHA|USDA|VA) 1 $245,000 $245,000 $4,528 3.25%
    NEW BERN, NC (FHA|USDA|VA) 1 $245,000 $245,000 $6,872 2.88%
    KOKOMO, IN (FHA|USDA|VA) 1 $245,000 $245,000 $5,006 3.25%
    Stillwater, OK (FHA|USDA|VA) 2 $240,000 $120,000 $3,544 4.00%
    Hailey, ID (FHA|USDA|VA) 2 $240,000 $120,000 $5,270 4.00%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $240,000 $120,000 $5,067 2.94%
    Traverse City, MI (FHA|USDA|VA) 2 $240,000 $120,000 $3,603 2.56%
    FRESNO, CA (FHA|USDA|VA) 1 $235,000 $235,000 $3,216 3.50%
    YUMA, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $6,192 3.13%
    BURLINGTON, NC (FHA|USDA|VA) 1 $225,000 $225,000 $4,995 3.00%
    WILLIAMSPORT, PA (FHA|USDA|VA) 1 $225,000 $225,000 $4,071 3.63%
    SPRINGFIELD, IL (FHA|USDA|VA) 2 $220,000 $110,000 $5,933 3.81%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $215,000 $215,000 $3,171 3.38%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $215,000 $215,000 $7,162 3.88%
    LAWTON, OK (FHA|USDA|VA) 2 $210,000 $105,000 $4,023 3.19%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $205,000 $205,000 $1,515 2.25%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $205,000 $205,000 $2,508 2.75%
    Batesville, AR (FHA|USDA|VA) 1 $205,000 $205,000 $6,791 3.50%
    Deming, NM (FHA|USDA|VA) 2 $200,000 $100,000 $5,899 3.19%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $195,000 $195,000 $5,232 2.38%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $195,000 $195,000 $5,565 3.13%
    Galesburg, IL (FHA|USDA|VA) 1 $195,000 $195,000 $5,002 3.38%
    Tahlequah, OK (FHA|USDA|VA) 1 $195,000 $195,000 $4,767 2.88%
    Ottawa, IL (FHA|USDA|VA) 1 $195,000 $195,000 $5,088 2.88%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $195,000 $195,000 $7,186 2.88%
    AMARILLO, TX (FHA|USDA|VA) 1 $195,000 $195,000 $8,429 3.63%
    Maysville, KY (FHA|USDA|VA) 1 $195,000 $195,000 $3,183 3.38%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $185,000 $185,000 $5,017 2.25%
    Weatherford, OK (FHA|USDA|VA) 1 $185,000 $185,000 $4,144 3.25%
    Snyder, TX (FHA|USDA|VA) 1 $185,000 $185,000 $5,492 3.13%
    Huntingdon, PA (FHA|USDA|VA) 1 $185,000 $185,000 $7,024 2.50%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $175,000 $175,000 $9,760 3.50%
    Fairfield, IA (FHA|USDA|VA) 1 $175,000 $175,000 $6,876 3.38%
    Somerset, PA (FHA|USDA|VA) 1 $175,000 $175,000 $4,260 3.50%
    SIOUX FALLS, SD (FHA|USDA|VA) 1 $165,000 $165,000 $3,097 3.38%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $165,000 $165,000 $3,148 3.38%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $165,000 $165,000 $3,143 3.25%
    Shawnee, OK (FHA|USDA|VA) 1 $165,000 $165,000 $5,184 3.25%
    WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $165,000 $165,000 $5,519 4.13%
    Austin, MN (FHA|USDA|VA) 1 $165,000 $165,000 $2,461 3.63%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $165,000 $165,000 $6,271 2.88%
    Wilson, NC (FHA|USDA|VA) 1 $165,000 $165,000 $3,229 3.00%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $160,000 $80,000 $4,556 3.63%
    RAPID CITY, SD (FHA|USDA|VA) 1 $155,000 $155,000 $3,011 2.75%
    Ukiah, CA (FHA|USDA|VA) 1 $155,000 $155,000 $3,028 3.25%
    Pontiac, IL (FHA|USDA|VA) 3 $155,000 $51,667 $3,097 2.25%
    MANSFIELD, OH (FHA|USDA|VA) 1 $155,000 $155,000 $4,031 3.50%
    Sandusky, OH (FHA|USDA|VA) 1 $145,000 $145,000 $4,044 3.50%
    Lincoln, IL (FHA|USDA|VA) 1 $145,000 $145,000 $5,190 4.63%
    ABILENE, TX (FHA|USDA|VA) 1 $145,000 $145,000 $5,483 3.13%
    GREENVILLE, NC (FHA|USDA|VA) 1 $145,000 $145,000 $6,261 3.25%
    ROANOKE, VA (FHA|USDA|VA) 1 $145,000 $145,000 $3,253 3.25%
    Portales, NM (FHA|USDA|VA) 2 $140,000 $70,000 $2,595 4.31%
    TOLEDO, OH (FHA|USDA|VA) 2 $140,000 $70,000 $4,707 4.44%
    North Wilkesboro, NC (FHA|USDA|VA) 1 $135,000 $135,000 $3,587 3.50%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,419 3.63%
    Escanaba, MI (FHA|USDA|VA) 1 $135,000 $135,000 $3,242 3.38%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $125,000 $125,000 $5,114 2.50%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $115,000 $115,000 $5,046 3.38%
    WICHITA FALLS, TX (FHA|USDA|VA) 1 $115,000 $115,000 $6,323 3.88%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $105,000 $105,000 $3,722 3.25%
    Coshocton, OH (FHA|USDA|VA) 1 $105,000 $105,000 $3,848 3.50%
    St. Marys, GA (FHA|USDA|VA) 1 $105,000 $105,000 $3,002 2.88%
    Houghton, MI (FHA|USDA|VA) 1 $105,000 $105,000 $2,702 3.13%
    READING, PA (FHA|USDA|VA) 1 $95,000 $95,000 $4,672 4.00%
    ANCHORAGE, AK (FHA|USDA|VA) 1 $85,000 $85,000 $3,899 3.38%
    Norwalk, OH (FHA|USDA|VA) 1 $75,000 $75,000 $5,482 3.88%
    AMES, IA (FHA|USDA|VA) 1 $75,000 $75,000 $3,659 3.25%
    DANVILLE, IL (FHA|USDA|VA) 1 $65,000 $65,000 $4,804 3.38%
    Tupelo, MS (FHA|USDA|VA) 1 $65,000 $65,000 $2,888 3.63%
    Waterstone Mortgage Corporation's top markets include Albuquerque, Orlando, Phoenix, Minneapolis, and Boise City among others.

    Their top states include:
  • New Mexico (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 12,465 $3,257,215,000 $261,309 $4,695 3.28%
    FHA 2,956 $617,570,000 $208,921 $8,599 3.32%
    VA 946 $297,520,000 $314,503 $8,903 2.95%
    USDA 435 $80,405,000 $184,839 $6,421 2.98%

    For 2021, Waterstone Mortgage Corporation's most frequently originated type of loan was Conventional, with 12,465 originations. Their 2nd most popular type was FHA, with 2,956 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 11,855 $2,975,475,000 $250,989 $6,030 3.33%
    Refi 3,089 $783,145,000 $253,527 $4,426 2.99%
    Cash Out Refi 1,779 $475,705,000 $267,400 $5,400 3.24%
    Home Improvement 78 $18,180,000 $233,077 $5,095 3.34%
    Other 1 $205,000 $205,000 $4,975 3.00%

    For 2021, Waterstone Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 11,855 originations. The 2nd most popular reason was Refi, with 3,089 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 14,923 $3,844,745,000 $257,639 $5,883 3.31%
    15 Year 1,148 $247,480,000 $215,575 $3,903 2.60%
    20 Year 264 $65,210,000 $247,008 $4,482 3.06%
    10 Year 241 $9,775,000 $40,560 $796 3.54%
    30+ year 147 $69,445,000 $472,415 $8,803 3.78%
    Other 65 $15,975,000 $245,769 $3,595 2.89%
    5 Year 14 $80,000 $5,714 $5 0.00%

    For 2021, Waterstone Mortgage Corporation's most frequently cited loan duration was 30 Year, with 14,923 originations. The 2nd most popular length was 15 Year, with 1,148 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 6,744 $1,775,080,000 $263,209
    $2k-3k 3,776 $803,240,000 $212,722
    $3k-4k 1,935 $466,305,000 $240,984
    $<1k 1,772 $289,380,000 $163,307
    $5k+ 1,373 $575,085,000 $418,853
    $4k-5k 1,201 $343,525,000 $286,032

    Waterstone Mortgage Corporation's average total fees were $5,883, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 6,744 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 9,486 $2,416,380,000 $254,731
    2.5-3% 5,076 $1,422,130,000 $280,167
    <2.5% 1,131 $269,785,000 $238,537
    4-5% 647 $138,695,000 $214,366
    5-6% 462 $5,720,000 $12,381

    During 2021, Waterstone Mortgage Corporation's average interest rate for loans was 3.31%, while their most frequently originated rate bucket for loans was 3-4%, with 9,486 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 7,726 $2,167,510,000 $280,548 $6,249 3.19%
    $100k-200k 5,093 $783,985,000 $153,934 $4,932 3.25%
    $400k-600k 1,812 $866,260,000 $478,068 $7,211 3.11%
    $100,000 or less 1,748 $79,480,000 $45,469 $2,369 3.76%
    $600k-1MM 339 $248,625,000 $733,407 $10,268 3.24%
    $1MM+ 84 $106,850,000 $1,272,024 $12,728 3.26%

    2021 saw Waterstone Mortgage Corporation place emphasis on $200k-400k loans with 7,726 originations, totaling $2,167,510,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 4,517 $918,975,000 $203,448 $5,567 3.29%
    $50k or less 3,532 $491,390,000 $139,125 $4,813 3.37%
    $100k-150k 3,077 $944,105,000 $306,826 $5,883 3.21%
    $75k-100k 3,020 $767,950,000 $254,288 $5,918 3.22%
    $150k-250k 1,782 $696,010,000 $390,578 $6,250 3.17%
    $250k+ 747 $397,235,000 $531,774 $7,280 3.20%

    Waterstone Mortgage Corporation lent most frequently to those with incomes in the $50k-75k range, with 4,517 originations. The second most popular income band? $50k or less, with 3,532 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 3,232 $834,220,000 $258,113 $5,180 3.18%
    30-36% 3,093 $801,915,000 $259,268 $5,528 3.26%
    <20% 963 $243,825,000 $253,193 $4,639 3.09%
    44% 902 $218,790,000 $242,561 $6,032 3.29%
    43% 777 $189,985,000 $244,511 $5,858 3.31%
    42% 759 $202,855,000 $267,266 $5,950 3.30%
    41% 732 $182,830,000 $249,768 $5,744 3.27%
    39% 730 $183,620,000 $251,534 $5,506 3.26%
    40% 712 $188,590,000 $264,874 $5,909 3.29%
    38% 660 $161,960,000 $245,394 $5,537 3.34%
    36% 636 $165,380,000 $260,031 $5,817 3.25%
    37% 634 $153,620,000 $242,303 $5,433 3.31%
    49% 618 $152,430,000 $246,650 $6,062 3.33%
    45% 476 $116,940,000 $245,672 $5,816 3.35%
    50-60% 473 $103,885,000 $219,630 $8,450 3.32%
    48% 447 $110,355,000 $246,879 $6,128 3.32%
    47% 440 $112,230,000 $255,068 $6,150 3.28%
    46% 438 $107,780,000 $246,073 $6,430 3.35%
    >60% 9 $2,225,000 $247,222 $4,197 3.31%

    Waterstone Mortgage Corporation lent most frequently to those with DTI ratios of 20-30%, with 3,232 originations. The next most common DTI ratio? 30-36%, with 3,093 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 13,063 $3,269,305,000 $250,272 $5,513 3.26%
    Not provided 2,150 $579,130,000 $269,363 $5,976 3.25%
    Black 778 $198,740,000 $255,450 $7,295 3.23%
    Asian 396 $109,180,000 $275,707 $5,822 3.19%
    American Indian 314 $62,140,000 $197,898 $5,417 3.40%
    Asian Indian 39 $16,565,000 $424,744 $6,386 3.16%
    Other Asian 23 $7,155,000 $311,087 $6,470 3.33%
    Native Hawaiian or Islander 22 $6,150,000 $279,545 $5,839 2.87%
    Filipino 5 $1,635,000 $327,000 $6,319 3.13%
    Japanese 2 $800,000 $400,000 $5,319 3.25%
    Other Pacific Islander 3 $685,000 $228,333 $5,676 3.17%
    Korean 4 $600,000 $150,000 $5,568 3.44%
    1 $315,000 $315,000 $3,323 2.88%
    Chinese 1 $245,000 $245,000 $5,519 2.75%
    Vietnamese 1 $65,000 $65,000 $4,515 3.63%

    Approval Rates

    Total approvals of all applications
    96.16%

    Waterstone Mortgage Corporation has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    74.54%

    Waterstone Mortgage Corporation has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 16,802 $4,252,710,000 $253,107

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    16,802 $4,252,710,000 $253,107

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 375 $66,165,000 $176,440 $3,873 2.96%
    40-60% 1,417 $343,075,000 $242,114 $4,279 2.99%
    60-80% 4,720 $1,350,800,000 $286,186 $5,197 3.22%
    80-100% 9,209 $2,396,275,000 $260,210 $6,433 3.26%
    Over 100% 254 $87,290,000 $343,661 $14,234 2.98%
    Under 20% 826 $8,780,000 $10,630 $287 4.14%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    WATERSTONE MORTGAGE CORPORATION Conventional home mortgage Closing on a mortgage 3 50.0%
    WATERSTONE MORTGAGE CORPORATION Conventional home mortgage Trouble during payment process 1 16.7%
    WATERSTONE MORTGAGE CORPORATION FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 33.3%