{
  "canonical_url": "https://lendb.ai/lender/waterstone-mortgage-186434",
  "summary": "Waterstone Mortgage (company NMLS 186434) is an independent mortgage lender. LenDb has not loaded its loan officers yet. Programs listed on its site include Asset-based qualifying, Condo, Construction loan, Down payment assistance and DSCR loan.",
  "lender": {
    "nmls_id": 186434,
    "slug": "waterstone-mortgage-186434",
    "canonical_url": "https://lendb.ai/lender/waterstone-mortgage-186434",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/186434",
    "name": {
      "value": "Waterstone Mortgage",
      "source": "manual",
      "source_url": "https://www.waterstonemortgage.com",
      "verified_at": "2026-10-08"
    },
    "dba_names": [],
    "type": "imb",
    "website": {
      "value": "https://www.waterstonemortgage.com",
      "source": "manual",
      "source_url": "https://www.waterstonemortgage.com",
      "verified_at": "2026-10-08"
    },
    "lo_directory_url": "https://www.waterstonemortgage.com/find-lo",
    "hq_state": null,
    "loan_programs": {
      "value": [
        "asset-based",
        "condo",
        "construction",
        "down-payment-assistance",
        "dscr",
        "fha",
        "first-time-buyer",
        "foreign-national",
        "heloc",
        "investor",
        "jumbo",
        "low-credit",
        "manufactured",
        "physician",
        "renovation",
        "reverse",
        "self-employed",
        "usda",
        "va",
        "vacation-home"
      ],
      "source": "manual",
      "source_url": "https://www.waterstonemortgage.com",
      "verified_at": "2026-10-08"
    },
    "activity": {
      "source": "HMDA",
      "source_name": "HMDA, FFIEC/CFPB",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of_year": 2025,
      "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)",
      "third_party_share": 0,
      "includes_brokered": false,
      "years": [
        {
          "year": 2025,
          "loans": 7079,
          "by_loan_type": {
            "conventional": 4606,
            "fha": 1638,
            "va": 774,
            "usda": 61
          },
          "purchase": 6432,
          "refinance": 640,
          "other_purpose": 7,
          "jumbo": 95,
          "investor": 244,
          "volume_usd": 2058725000
        },
        {
          "year": 2024,
          "loans": 7819,
          "by_loan_type": {
            "conventional": 5320,
            "fha": 1839,
            "va": 603,
            "usda": 57
          },
          "purchase": 7231,
          "refinance": 572,
          "other_purpose": 16,
          "jumbo": 74,
          "investor": 288,
          "volume_usd": 2144295000
        }
      ],
      "top_states": [
        {
          "state": "NM",
          "loans": 2064
        },
        {
          "state": "FL",
          "loans": 832
        },
        {
          "state": "OK",
          "loans": 493
        },
        {
          "state": "TX",
          "loans": 430
        },
        {
          "state": "VA",
          "loans": 402
        }
      ],
      "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
    },
    "loan_officer_count": 0,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-08"
  },
  "loan_officers": []
}