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Multifamily record
WaterStone Bank, SSB: multifamily loans made
WaterStone Bank, SSB, a savings institution based in Wauwatosa, WI, made 104 multifamily loans in 2024 and 2025, $206.5M in all, in 7 states. The typical loan was about $820K, and the largest about $21M. Most were in Milwaukee County, WI.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Multifamily loans
- 104
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $207M
- HMDA,
- Rounded amounts
- Typical loan
- $820K
- HMDA,
- Largest loan
- $21M
- HMDA,
- Rounded to 2 significant figures
- States
- 7
- HMDA,
Cite this
Source: The Lender Report, WaterStone Bank, SSB: multifamily loans made, https://lender.report/lender/waterstone-bank-wi/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | La Crosse County, WI | Cash-out refinance, 150 or more units | $21M | HMDA 2025 | |||
| 2025 | Milwaukee County, WI | Purchase, 100 to 149 units | $12M | HMDA 2025 | |||
| 2025 | Milwaukee County, WI | Cash-out refinance, 150 or more units | $12M | HMDA 2025 | |||
| 2025 | Anoka County, MN | Purchase, 150 or more units | $9M | HMDA 2025 | |||
| 2025 | Milwaukee County, WI | Cash-out refinance, 100 to 149 units | $8.4M | HMDA 2025 | |||
| 2025 | Marathon County, WI | Purchase, 100 to 149 units | $7.8M | HMDA 2025 | |||
| 2025 | Juneau County, WI | Purchase, 50 to 99 units | $7M | HMDA 2025 | |||
| 2025 | Milwaukee County, WI | Cash-out refinance, 50 to 99 units | $5.2M | HMDA 2025 | |||
| 2025 | Milwaukee County, WI | Refinance, 25 to 49 units | $4.8M | HMDA 2025 | |||
| 2025 | Milwaukee County, WI | Cash-out refinance, 50 to 99 units | $4.1M | HMDA 2025 | |||
| 2025 | Rock County, WI | Purchase, 50 to 99 units | $3.4M | HMDA 2025 | |||
| 2025 | Milwaukee County, WI | Purchase, 25 to 49 units | $3M | HMDA 2025 | |||
| 2025 | Winnebago County, WI | Cash-out refinance, 50 to 99 units | $3M | HMDA 2025 | |||
| 2025 | Outagamie County, WI | Cash-out refinance, 25 to 49 units | $2.9M | HMDA 2025 | |||
| 2025 | Brown County, WI | Purchase, 25 to 49 units | $2.4M | HMDA 2025 | |||
| 2025 | Milwaukee County, WI | Cash-out refinance, 25 to 49 units | $2.2M | HMDA 2025 | |||
| 2025 | Scott County, IA | Cash-out refinance, 25 to 49 units | $2M | HMDA 2025 | |||
| 2025 | Milwaukee County, WI | Cash-out refinance, 25 to 49 units | $1.7M | HMDA 2025 | |||
| 2025 | Waukesha County, WI | Refinance, 5 to 24 units | $1.7M | HMDA 2025 | |||
| 2025 | Outagamie County, WI | Cash-out refinance, 5 to 24 units | $1.5M | HMDA 2025 | |||
| 2025 | Ozaukee County, WI | Cash-out refinance, 5 to 24 units | $1.5M | HMDA 2025 | |||
| 2025 | Milwaukee County, WI | Cash-out refinance, 25 to 49 units | $1.4M | HMDA 2025 | |||
| 2025 | Indiana | Purchase, 5 to 24 units | $1.3M | HMDA 2025 | |||
| 2025 | Milwaukee County, WI | Purchase, 5 to 24 units | $1.3M | HMDA 2025 | |||
| 2025 | Henry County, IN | Purchase, 5 to 24 units | $1.2M | HMDA 2025 | |||
| 104 multifamily loans made in 2024 and 2025 | $207M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Milwaukee County, WI | County | 50 | $82.7M |
| Fond du Lac County, WI | County | 5 | $3.22M |
| Waukesha County, WI | County | 5 | $3.13M |
| Henry County, IN | County | 4 | $3.00M |
| Washington County, WI | County | 4 | $1.96M |
| Indiana | State | 3 | $2.50M |
| Sherburne County, MN | County | 3 | $10.5M |
| Macon County, IL | County | 2 | $2.86M |
| Marathon County, WI | County | 2 | $12.7M |
| Marshall County, IA | County | 2 | $1.64M |
| Outagamie County, WI | County | 2 | $4.40M |
| Ozaukee County, WI | County | 2 | $6.20M |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 59 | $29.3M |
| $1M to $2.5M | 22 | $33.0M |
| $2.5M to $5M | 13 | $49.9M |
| $5M to $10M | 7 | $49.3M |
| $10M or more | 3 | $45.0M |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 42 | $65.6M | $840K |
| 2025 | 62 | $141M | $820K |
| Purpose | Loans |
|---|---|
| Purchase | 64 |
| Refinance | 5 |
| Cash-out refinance | 30 |
| Improvement | 5 |
| Units | Loans |
|---|---|
| 5 to 24 units | 54 |
| 25 to 49 units | 24 |
| 50 to 99 units | 14 |
| 100 to 149 units | 8 |
| 150 or more units | 4 |
- WaterStone Bank, SSB made 104 multifamily loans totaling $206.5M in 2024 and 2025, in 29 named places across 7 states. HMDA,
- It made 62 of them in 2025 and 42 in 2024. HMDA,
- The typical loan was about $820K, with the middle half between $480K and $2M. HMDA,
- The largest was about $21M. Every amount is rounded to 2 significant figures. HMDA,
- 59 loans were under $1M, and 10 were $5M or more. HMDA,
- 34% of the loans were refinancings and 62% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 54 loans. HMDA,
- Its loans were most often in Milwaukee County, WI (50), Fond du Lac County, WI (5) and Waukesha County, WI (5). HMDA,
What we don't know
- Whether WaterStone Bank, SSB is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.