8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported):  January 14, 2020

WATERSTONE FINANCIAL, INC.

(Exact name of Registrant as specified in its charter)

Maryland (State or Other Jurisdiction of Incorporation) 001-36271 (Commission File Number) 90-1026709 (I.R.S. Employer Identification No.)

11200 W. Plank Ct, Wauwatosa, Wisconsin 53226

(Address of principal executive offices)

(414) 761-1000

Registrant's telephone number, including area code

Not Applicable

(Former Name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
[ ]	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
[ ]	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
[ ]	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
[ ]	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 Exhibit #           Description

99.1                     Press Release of Waterstone Mortgage issueed January 14, 2020.

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Item 7.01 Regulation FD Disclosure

On January 14, 2020, Waterstone Mortgage Corporation, which is a wholly owned subsidiary of WaterStone Bank SSB, which, in turn, is a wholly-owned subsidiary of Waterstone Financial, Inc. (NASDAQ: WSBF) issued a press release to announce that Waterstone Mortgage Corporation set an all-time company record for annual loan origination volume.  During the year ended December 31, 2019, Waterstone Mortgage Corporation originated approximately $2.99 billion of loans.

The information furnished pursuant to this Item 7.01, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 (the "Exchange Act") or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933, as amended or the Exchange Act.

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	Waterstone Financial, Inc.
Date:  January 14, 2020	/s/ Mark R. Gerke
	Name: Mark R. Gerke
	Title: Chief Financial Officer

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EX-99.1

Exhibit 99.1

Waterstone Mortgage Reaches Nearly $3 Billion in Loan Origination for 2019

Mortgage lender sets all-time company record for annual origination

Pewaukee, Wisc. (January 14, 2020) – National mortgage lender Waterstone Mortgage Corporation achieved just short of $3 billion in loan originations for 2019. The accomplishment marks a 15 percent increase in sales over 2018 and an all-time annual record for the company, which was founded in 2000.

“This is an exciting milestone for Waterstone Mortgage and our employees,” said Waterstone Mortgage President & CEO Andy Peach. “Not only did we have a record year, but we also filled some key leadership positions. As we continue to look for innovative ways to streamline the mortgage process, we are ready to take our efforts to the next level in 2020.”

At close of business on December 31, 2019, Waterstone Mortgage had reached a total of $2.99 billion in volume and 14,014 in units for the calendar year.

The company’s excellence in loan origination is an asset to its parent company, WaterStone Bank, SSB.

“Waterstone Mortgage continues to be a strong, reputable presence in the mortgage lending industry,” said WaterStone Bank CEO Doug Gordon. “By implementing innovative mortgage technology solutions and offering a wide array of loan programs, Waterstone Mortgage has also become a well-respected and trustworthy lender for homebuyers nationwide.”

“Everyone – from our sales team to our branch support staff and corporate departments – played a crucial role in helping us accomplish this record-breaking volume for 2019,” said Peach. “Most importantly, we would like to thank the customers who trusted us with their homeownership journeys in the past year.”

About Waterstone Mortgage Corporation:
Waterstone Mortgage Corporation is an innovative, strong, and secure mortgage lending company that has maintained a reputation for exceptional service and competitive mortgage financing. Founded in 2000, the company has the ability to lend in 48 states.

In 2019, Waterstone Mortgage set a company record of nearly $3 billion in annual loan origination volume. The company has been named to the Milwaukee Journal Sentinel’s “Top Workplaces” list; the Milwaukee Business Journal’s “Best Places to Work” list; National Mortgage Professional Magazine’s “Top 100 Mortgage Employers;” Mortgage Executive Magazine’s “Top 100 Mortgage Companies in America;” MReport’s “Top 25 Companies to Work For;” and Scotsman Guide’s “Top Mortgage Lenders.” Waterstone Mortgage was ranked as the #2 company in Mortgage Executive Magazine’s “Top 50 Mortgage Companies to Work For” in 2018 and is a three-time Ellie Mae Hall of Fame Award winner.

Headquartered in Pewaukee, Wisconsin, Waterstone Mortgage is a wholly-owned subsidiary of WaterStone Bank SSB, which, in turn, is a wholly-owned subsidiary of Waterstone Financial, Inc. (NASDAQ: WSBF). To learn more about Waterstone Mortgage, visit www.WaterstoneMortgage.com.

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