Lender in Virginia · HMDA 2025
Waterstone Mortgage Corporation mortgages in Virginia
Waterstone Mortgage Corporation's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Waterstone Mortgage Corporation originated 306 owner-occupied single-family loans in Virginia from 325 completed applications.
Its median conventional purchase loan costs were $6,590 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).
Loans in VA
306
of 325 applications
Denial rate
5.3%
Purchase · VA 6.9%
Rate spread
+0.28 pts
Conv. · VA +0.10 pts
Loan amount
$265,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 285 | 269 | 5.3% | 6.625% | +0.28 pts | $6,590 | $265,000 |
| Refinance | 25 | 24 | 4.0% | — | — | — | $345,000 |
| Cash-out refinance | 15 | 13 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Waterstone Mortgage Corporation ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Giles County | 1 | 28 | 14.9% |
| Pulaski County | 5 | 21 | 5.0% |
| Radford city | 5 | 9 | 5.7% |
| Alleghany County | 8 | 3 | 1.9% |
| Montgomery County | 12 | 21 | 2.4% |
| Carroll County | 13 | 5 | 1.7% |
| Clarke County | 13 | 4 | 2.1% |
| Floyd County | 14 | 3 | 2.0% |
| Patrick County | 16 | 2 | 1.4% |
| Bedford County | 18 | 17 | 1.4% |
| Page County | 18 | 5 | 1.6% |
| Salem city | 18 | 4 | 1.2% |
| Galax city | 18 | 1 | 1.6% |
| Madison County | 19 | 3 | 1.6% |
| Lancaster County | 20 | 3 | 1.5% |
| Roanoke city | 23 | 14 | 1.1% |
| Nelson County | 23 | 2 | 1.3% |
| Harrisonburg city | 25 | 2 | 0.8% |
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology