Applications / Mortgage Analytics / Lenders / Ohio / Waterford Bank / Competition
Waterford Bank
Toledo, OH · National bank · OCC · $1.7 billion assets · 57 loans in 2025
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57
loans originated, 2025
66
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Who Waterford Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — DETROIT-WARREN-DEARBORN, MI, 2025
Waterford Bank ranks 149th of 599 lenders in Detroit-Warren-Dearborn, MI, with $16.0M lent: 0.1% of a $23.68B market.
Detroit-Warren-Dearborn, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Waterford Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — TOLEDO, OH, 2025
Waterford Bank ranks 37th of 334 lenders in Toledo, OH, with $12.3M lent: 0.5% of a $2.36B market.
Toledo, OH is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Waterford Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — LANSING-EAST LANSING, MI, 2025
Waterford Bank ranks 70th of 333 lenders in Lansing-East Lansing, MI, with $3.4M lent: 0.2% of a $2.02B market.
Lansing-East Lansing, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Waterford Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 54% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — MONROE, MI, 2025
Waterford Bank ranks 69th of 225 lenders in Monroe, MI, with $1.6M lent: 0.2% of a $775.0M market.
Monroe, MI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Waterford Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 50% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — HILTON HEAD ISLAND-BLUFFTON-PORT ROYAL, SC, 2025
Waterford Bank ranks 230th of 489 lenders in Hilton Head Island-Bluffton-Port Royal, SC, with $1.5M lent: 0.0% of a $3.64B market.
Hilton Head Island-Bluffton-Port Royal, SC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Waterford Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — RIVERSIDE-SAN BERNARDINO-ONTARIO, CA, 2025
Waterford Bank ranks 573rd of 707 lenders in Riverside-San Bernardino-Ontario, CA, with $705K lent: 0.0% of a $34.32B market.
Riverside-San Bernardino-Ontario, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Waterford Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — HUNTINGTON-ASHLAND, KY-OH-WV, 2025
Waterford Bank ranks 189th of 237 lenders in Huntington-Ashland, KY-OH-WV, with $215K lent: 0.0% of a $1.12B market.
Huntington-Ashland, KY-OH-WV is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Waterford Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — GRAND RAPIDS-WYOMING-KENTWOOD, MI, 2025
Waterford Bank ranks 416th of 436 lenders in Grand Rapids-Wyoming-Kentwood, MI, with $145K lent: 0.0% of a $7.34B market.
Grand Rapids-Wyoming-Kentwood, MI is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Waterford Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 54% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Waterford Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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