Waterstone Mortgage in Texas vs the state
2.4%Denial rate-16.99 pts vs state
3.3%Decision denial rate-21.58 pts vs state
69.9%Origination rate+15.04 pts vs state
6.63%Median rate+0.13 pts vs state
0.41Rate spread (pts)+0.22 pts vs state
$112kMedian applicant income
430Loans originated
15Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 697 | 473 | 3.3% | 6.75% | #211 |
| 2024 | 718 | 519 | 2.5% | 6.63% | #202 |
| 2025 | 615 | 430 | 2.4% | 6.63% | #228 |
What Waterstone Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Waterstone Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ector County | 97 | 77 | 2 | 2.1% |
| Tarrant County | 90 | 62 | 1 | 1.1% |
| El Paso County | 88 | 53 | 4 | 4.5% |
| Denton County | 37 | 29 | 0 | 0.0% |
| Midland County | 30 | 22 | 2 | 6.7% |
| Bexar County | 21 | 14 | 0 | 0.0% |
| Travis County | 19 | 14 | 0 | 0.0% |
| Harris County | 19 | 12 | 0 | 0.0% |
| Dallas County | 15 | 10 | 0 | 0.0% |
| Collin County | 14 | 11 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 615 applications in 2025, of which 430 were originated and 15 denied.
2.4% of all applications, or 3.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Waterstone Mortgage originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Waterstone Mortgage's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology