CFPB Consumer Complaint Profile
Waterstone Mortgage Corporation
Consumers have filed 63 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 63
- Total complaints
- Mid-range
- 2
- Last 12 months
- 100%
- Timely response
- Top decile
- 21
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Waterstone Mortgage Corporation has accumulated 63 complaints, placing it #1640 by volume. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #1640
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Mortgage
- most-complained product
- 21
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Waterstone Mortgage Corporation vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 1 |
| 2013 | 4 |
| 2014 | 6 |
| 2015 | 8 |
| 2016 | 4 |
| 2017 | 5 |
| 2018 | 3 |
| 2019 | 5 |
| 2020 | 2 |
| 2021 | 6 |
| 2022 | 7 |
| 2023 | 1 |
| 2024 | 4 |
| 2025 | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Waterstone Mortgage Corporation
63 complaints against Waterstone Mortgage Corporation appear in the CFPB record, including 2 from the trailing year. The 21 states and territories represented put this footprint in multi-regional territory. "Mortgage" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Closing on a mortgage" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Waterstone Mortgage Corporation's timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response at a 28% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 22.2%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Waterstone Mortgage Corporation have?
63 complaints have been filed against Waterstone Mortgage Corporation with the CFPB overall - 2 of them in the past year.
Does Waterstone Mortgage Corporation respond to complaints on time?
CFPB complaints against Waterstone Mortgage Corporation draw a 100% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Waterstone Mortgage Corporation?
Among all products tied to Waterstone Mortgage Corporation, "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Waterstone Mortgage Corporation?
The most common issue reported by consumers about Waterstone Mortgage Corporation is "Closing on a mortgage." All complaint issues are listed above with their counts.
How do I file a complaint against Waterstone Mortgage Corporation?
You can file a complaint against Waterstone Mortgage Corporation directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Waterstone Mortgage Corporation?
The CFPB has recorded complaints against Waterstone Mortgage Corporation from 21 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Waterstone Mortgage Corporation: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (28% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Waterstone Mortgage Corporation have?
63 complaints have been filed against Waterstone Mortgage Corporation with the CFPB overall - 2 of them in the past year.
Does Waterstone Mortgage Corporation respond to complaints on time?
CFPB complaints against Waterstone Mortgage Corporation draw a 100% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Waterstone Mortgage Corporation?
Among all products tied to Waterstone Mortgage Corporation, "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Waterstone Mortgage Corporation?
The most common issue reported by consumers about Waterstone Mortgage Corporation is "Closing on a mortgage." All complaint issues are listed above with their counts.
How do I file a complaint against Waterstone Mortgage Corporation?
You can file a complaint against Waterstone Mortgage Corporation directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Waterstone Mortgage Corporation?
The CFPB has recorded complaints against Waterstone Mortgage Corporation from 21 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.