Waterstone Bank SSB Mortgage Lending & HMDA Data, 2018
In 2018, Waterstone Bank SSB of Wauwatosa, WI reported 524 mortgage applications totaling $336.3 million, up 19% from 2017. The average application was for $641,793, and applicants reported an average income of $626,961. 48% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (216), Minneapolis-St. Paul-Bloomington, MN-WI (31) and Phoenix-Mesa-Scottsdale, AZ (19) (applications in parentheses).
| Mortgage Company & Address | Waterstone Bank SSB 11200 West Plank Court Wauwatosa, WI 53226 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 524 |
| Total Mortgage Loan Application Amount | $336,300,000 |
| Average Mortgage Loan Application Amount | $641,793 |
| Highest Mortgage Loan Application Amount | $13,125,000 |
| Average Applicant Income | $626,961 |
| Highest Applicant Income | $8,891,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Waterstone Bank SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Milwaukee, Wisconsin | 152 | $ 72,250,000 | $ 475,328 | $ 165,000 |
| Waukesha, Wisconsin | 48 | $ 28,400,000 | $ 591,666 | $ 164,000 |
| Hennepin, Minnesota | 21 | $ 9,555,000 | $ 455,000 | $ 316,000 |
| Maricopa, Arizona | 18 | $ 9,750,000 | $ 541,666 | $ 268,000 |
| Dane, Wisconsin | 17 | $ 4,125,000 | $ 242,647 | $ 169,000 |
| Washington, Wisconsin | 13 | $ 8,635,000 | $ 664,230 | $ 96,000 |
| Albemarle, Virginia | 10 | $ 4,560,000 | $ 456,000 | $ 227,000 |
| Orange, Florida | 6 | $ 3,640,000 | $ 606,666 | $ 211,000 |
| Racine, Wisconsin | 6 | $ 4,550,000 | $ 758,333 | $ 0 |
| Sussex, Delaware | 5 | $ 2,875,000 | $ 575,000 | $ 299,000 |
| Contra Costa, California | 4 | $ 3,930,000 | $ 982,500 | $ 223,000 |
| Riverside, California | 4 | $ 1,830,000 | $ 457,500 | $ 113,000 |
| Seminole, Florida | 4 | $ 2,100,000 | $ 525,000 | $ 271,000 |
| Ada, Idaho | 4 | $ 2,630,000 | $ 657,500 | $ 282,000 |
| Santa Fe, New Mexico | 4 | $ 3,750,000 | $ 937,500 | $ 3,093,000 |
| Collin, Texas | 4 | $ 2,110,000 | $ 527,500 | $ 249,000 |
| Outagamie, Wisconsin | 4 | $ 8,670,000 | $ 2,167,500 | $ 0 |
| Sauk, Wisconsin | 4 | $ 480,000 | $ 120,000 | $ 0 |
| Winnebago, Wisconsin | 4 | $ 6,380,000 | $ 1,595,000 | $ 0 |
| Orange, California | 3 | $ 2,385,000 | $ 795,000 | $ 338,000 |
| Hillsborough, Florida | 3 | $ 1,305,000 | $ 435,000 | $ 183,000 |
| Marion, Florida | 3 | $ 585,000 | $ 195,000 | $ 0 |
| Pinellas, Florida | 3 | $ 1,645,000 | $ 548,333 | $ 821,000 |
| Cerro Gordo, Iowa | 3 | $ 2,565,000 | $ 855,000 | $ 8,891,000 |
| Chester, Pennsylvania | 3 | $ 1,645,000 | $ 548,333 | $ 204,000 |
| Dodge, Wisconsin | 3 | $ 1,545,000 | $ 515,000 | $ 281,000 |
| Fond du Lac, Wisconsin | 3 | $ 6,825,000 | $ 2,275,000 | $ 0 |
| Ozaukee, Wisconsin | 3 | $ 845,000 | $ 281,666 | $ 151,000 |
| St. Croix, Wisconsin | 3 | $ 3,045,000 | $ 1,015,000 | $ 229,000 |
| Walworth, Wisconsin | 3 | $ 875,000 | $ 291,666 | $ 0 |
| Waupaca, Wisconsin | 3 | $ 1,205,000 | $ 401,666 | $ 163,000 |
| Wood, Wisconsin | 3 | $ 4,575,000 | $ 1,525,000 | $ 0 |
| Alameda, California | 2 | $ 2,290,000 | $ 1,145,000 | $ 372,000 |
| Osceola, Florida | 2 | $ 1,320,000 | $ 660,000 | $ 502,000 |
| Palm Beach, Florida | 2 | $ 1,340,000 | $ 670,000 | $ 260,000 |
| DeKalb, Georgia | 2 | $ 730,000 | $ 365,000 | $ 0 |
| Carroll, Iowa | 2 | $ 1,280,000 | $ 640,000 | $ 8,891,000 |
| Anoka, Minnesota | 2 | $ 240,000 | $ 120,000 | $ 115,000 |
| Freeborn, Minnesota | 2 | $ 2,520,000 | $ 1,260,000 | $ 8,891,000 |
| Lyon, Minnesota | 2 | $ 2,170,000 | $ 1,085,000 | $ 0 |
| Washington, Minnesota | 2 | $ 760,000 | $ 380,000 | $ 0 |
| Sandoval, New Mexico | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Deschutes, Oregon | 2 | $ 1,300,000 | $ 650,000 | $ 252,000 |
| Marion, Oregon | 2 | $ 1,130,000 | $ 565,000 | $ 152,000 |
| Denton, Texas | 2 | $ 1,070,000 | $ 535,000 | $ 243,000 |
| Fort Bend, Texas | 2 | $ 1,090,000 | $ 545,000 | $ 262,000 |
| Harris, Texas | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Rockwall, Texas | 2 | $ 1,070,000 | $ 535,000 | $ 180,000 |
| Tarrant, Texas | 2 | $ 820,000 | $ 410,000 | $ 343,000 |
| Alexandria, Virginia | 2 | $ 2,430,000 | $ 1,215,000 | $ 378,000 |
| Hanover, Virginia | 2 | $ 570,000 | $ 285,000 | $ 0 |
| Jefferson, Wisconsin | 2 | $ 2,260,000 | $ 1,130,000 | $ 48,000 |
| Kenosha, Wisconsin | 2 | $ 100,000 | $ 50,000 | $ 307,000 |
| Manitowoc, Wisconsin | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Marathon, Wisconsin | 2 | $ 6,530,000 | $ 3,265,000 | $ 94,000 |
| Portage, Wisconsin | 2 | $ 2,480,000 | $ 1,240,000 | $ 0 |
| Pinal, Arizona | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Yavapai, Arizona | 1 | $ 1,135,000 | $ 1,135,000 | $ 8,891,000 |
| Santa Barbara, California | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Santa Clara, California | 1 | $ 855,000 | $ 855,000 | $ 208,000 |
| Solano, California | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Douglas, Colorado | 1 | $ 805,000 | $ 805,000 | $ 275,000 |
| Weld, Colorado | 1 | $ 525,000 | $ 525,000 | $ 130,000 |
| Fairfield, Connecticut | 1 | $ 1,225,000 | $ 1,225,000 | $ 364,000 |
| Kent, Delaware | 1 | $ 255,000 | $ 255,000 | $ 0 |
| New Castle, Delaware | 1 | $ 605,000 | $ 605,000 | $ 153,000 |
| Broward, Florida | 1 | $ 705,000 | $ 705,000 | $ 157,000 |
| Collier, Florida | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Lee, Florida | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Volusia, Florida | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Forsyth, Georgia | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Canyon, Idaho | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Cook, Illinois | 1 | $ 605,000 | $ 605,000 | $ 199,000 |
| Kane, Illinois | 1 | $ 365,000 | $ 365,000 | $ 321,000 |
| McHenry, Illinois | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Winnebago, Illinois | 1 | $ 3,205,000 | $ 3,205,000 | $ 0 |
| Gibson, Indiana | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Monroe, Indiana | 1 | $ 215,000 | $ 215,000 | $ 0 |
| St. Joseph, Indiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Dallas, Iowa | 1 | $ 1,385,000 | $ 1,385,000 | $ 340,000 |
| Madison, Iowa | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Union, Iowa | 1 | $ 345,000 | $ 345,000 | $ 8,891,000 |
| Wapello, Iowa | 1 | $ 1,155,000 | $ 1,155,000 | $ 8,891,000 |
| Howard, Maryland | 1 | $ 855,000 | $ 855,000 | $ 389,000 |
| Montgomery, Maryland | 1 | $ 705,000 | $ 705,000 | $ 210,000 |
| Allegan, Michigan | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Macomb, Michigan | 1 | $ 235,000 | $ 235,000 | $ 248,000 |
| Newaygo, Michigan | 1 | $ 305,000 | $ 305,000 | $ 0 |
| St. Clair, Michigan | 1 | $ 3,605,000 | $ 3,605,000 | $ 0 |
| Crow Wing, Minnesota | 1 | $ 2,605,000 | $ 2,605,000 | $ 0 |
| Pine, Minnesota | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Ramsey, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Sherburne, Minnesota | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Wright, Minnesota | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Cape May, New Jersey | 1 | $ 555,000 | $ 555,000 | $ 199,000 |
| Bernalillo, New Mexico | 1 | $ 585,000 | $ 585,000 | $ 557,000 |
| Los Alamos, New Mexico | 1 | $ 555,000 | $ 555,000 | $ 181,000 |
| Mecklenburg, North Carolina | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Wake, North Carolina | 1 | $ 1,095,000 | $ 1,095,000 | $ 365,000 |
| Cuyahoga, Ohio | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Hamilton, Ohio | 1 | $ 585,000 | $ 585,000 | $ 270,000 |
| Licking, Ohio | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Lucas, Ohio | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Clackamas, Oregon | 1 | $ 525,000 | $ 525,000 | $ 157,000 |
| Bucks, Pennsylvania | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Delaware, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Lancaster, Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Philadelphia, Pennsylvania | 1 | $ 765,000 | $ 765,000 | $ 677,000 |
| Williamson, Tennessee | 1 | $ 795,000 | $ 795,000 | $ 175,000 |
| Wilson, Tennessee | 1 | $ 735,000 | $ 735,000 | $ 153,000 |
| Dallas, Texas | 1 | $ 565,000 | $ 565,000 | $ 143,000 |
| Williamson, Texas | 1 | $ 505,000 | $ 505,000 | $ 21,000 |
| Charlottesville, Virginia | 1 | $ 635,000 | $ 635,000 | $ 339,000 |
| Goochland, Virginia | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Henrico, Virginia | 1 | $ 155,000 | $ 155,000 | $ 37,000 |
| Louisa, Virginia | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Nelson, Virginia | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Pittsylvania, Virginia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Barron, Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Brown, Wisconsin | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Calumet, Wisconsin | 1 | $ 2,015,000 | $ 2,015,000 | $ 0 |
| Columbia, Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Eau Claire, Wisconsin | 1 | $ 3,095,000 | $ 3,095,000 | $ 0 |
| Lincoln, Wisconsin | 1 | $ 7,605,000 | $ 7,605,000 | $ 0 |
| Monroe, Wisconsin | 1 | $ 5,205,000 | $ 5,205,000 | $ 0 |
| Oconto, Wisconsin | 1 | $ 1,135,000 | $ 1,135,000 | $ 0 |
| Oneida, Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Polk, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 88,000 |
| Rock, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| Sheboygan, Wisconsin | 1 | $ 655,000 | $ 655,000 | $ 212,000 |
| Vernon, Wisconsin | 1 | $ 2,095,000 | $ 2,095,000 | $ 0 |
| Washburn, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 0 |
Mortgage Loan Application Detail Totals for Waterstone Bank SSB in 2018
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 404 | $252,340,000 | $624,000 | $13,125,000 | $753,000 | $8,891,000 |
| Cash-out Refinancing | 55 | $49,625,000 | $902,000 | $7,605,000 | $209,000 | $844,000 |
| Refinancing | 42 | $25,720,000 | $612,000 | $6,205,000 | $206,000 | $821,000 |
| Other Purpose | 10 | $1,280,000 | $128,000 | $365,000 | $85,000 | $85,000 |
| Not Applicable | 9 | $6,975,000 | $775,000 | $1,655,000 | $299,000 | $677,000 |
| Home Improvement | 4 | $360,000 | $90,000 | $225,000 | $157,000 | $307,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 304 | $210,910,000 | $693,000 | $11,925,000 | $0 | $0 |
| White | 172 | $99,510,000 | $578,000 | $13,125,000 | $728,000 | $8,891,000 |
| Not Provided | 19 | $12,495,000 | $657,000 | $2,215,000 | $202,000 | $629,000 |
| Black or African American | 14 | $8,940,000 | $638,000 | $1,285,000 | $218,000 | $536,000 |
| Hispanic | 8 | $2,010,000 | $251,000 | $605,000 | $118,000 | $235,000 |
| Asian | 4 | $1,930,000 | $482,000 | $795,000 | $137,000 | $231,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 524 | $336,300,000 | $641,000 | $13,125,000 | $612,000 | $8,891,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 250 | $221,270,000 | $885,000 | $11,925,000 | $392,000 | $8,891,000 |
| Loan Purchased By The Institution | 137 | $36,085,000 | $263,000 | $705,000 | $0 | $0 |
| Application Approved But Not Accepted | 47 | $42,415,000 | $902,000 | $13,125,000 | $308,000 | $3,203,000 |
| Application Denied By Financial Institution | 43 | $18,325,000 | $426,000 | $1,225,000 | $131,000 | $364,000 |
| Application Withdrawn By Applicant | 30 | $14,140,000 | $471,000 | $1,575,000 | $3,328,000 | $8,891,000 |
| File Closed For Incompleteness | 7 | $1,865,000 | $266,000 | $585,000 | $110,000 | $340,000 |
| Preapproval Approved but not Accepted | 6 | $1,390,000 | $231,000 | $405,000 | $97,000 | $166,000 |
| Preapproval Denied by Financial Institution | 4 | $810,000 | $202,000 | $235,000 | $92,000 | $181,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 477 | $317,165,000 | $664,000 | $13,125,000 | $724,000 | $8,891,000 |
| Credit History | 21 | $7,275,000 | $346,000 | $1,005,000 | $128,000 | $280,000 |
| Debt-To-Income Ratio | 9 | $4,605,000 | $511,000 | $1,005,000 | $94,000 | $236,000 |
| Other | 9 | $3,175,000 | $352,000 | $1,225,000 | $157,000 | $364,000 |
| Collateral | 6 | $3,720,000 | $620,000 | $1,205,000 | $180,000 | $235,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $0 | $0 |
| Employment History | 1 | $235,000 | $235,000 | $235,000 | $52,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Waterstone Bank SSB's 2018 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Waterstone Bank SSB's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.
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