Watermark Capital, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Watermark Capital, Inc. 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Watermark Capital, Inc. 100 Spectrum Center Dr Ste 150 Sacramento, CA 92618 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 1,823 |
| Total Mortgage Loan Application Amount | $1,059,340,000 |
| Average Mortgage Loan Application Amount | $571,500 |
| Highest Mortgage Loan Application Amount | $3,250,000 |
| Average Applicant Income | $192,500 |
| Highest Applicant Income | $1,956,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Watermark Capital, Inc.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Watermark Capital, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Watermark Capital, Inc.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Watermark Capital, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Watermark Capital, Inc., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Watermark Capital, Inc.'s mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 406 | $ 251,028,000 | $ 618,000 | $ 202,000 |
| Orange County California | 267 | $ 153,418,000 | $ 574,000 | $ 185,000 |
| San Diego County California | 192 | $ 105,500,000 | $ 549,000 | $ 172,000 |
| Santa Clara County California | 85 | $ 62,017,000 | $ 729,000 | $ 236,000 |
| Alameda County California | 82 | $ 58,280,000 | $ 710,000 | $ 200,000 |
| San Mateo County California | 58 | $ 45,331,000 | $ 781,000 | $ 255,000 |
| Contra Costa County California | 56 | $ 37,795,000 | $ 674,000 | $ 200,000 |
| King County Washington | 55 | $ 37,501,000 | $ 681,000 | $ 212,000 |
| Riverside County California | 53 | $ 17,953,000 | $ 338,000 | $ 141,000 |
| San Francisco County California | 43 | $ 29,894,000 | $ 695,000 | $ 245,000 |
| San Bernardino County California | 27 | $ 8,429,000 | $ 312,000 | $ 114,000 |
| Ventura County California | 27 | $ 16,349,000 | $ 605,000 | $ 249,000 |
| Fairfax County Virginia | 22 | $ 13,565,000 | $ 616,000 | $ 186,000 |
| Sacramento County California | 20 | $ 6,270,000 | $ 313,000 | $ 129,000 |
| Montgomery County Maryland | 16 | $ 10,079,000 | $ 629,000 | $ 223,000 |
| Middlesex County Massachusetts | 16 | $ 11,888,000 | $ 743,000 | $ 223,000 |
| Maricopa County Arizona | 12 | $ 4,580,000 | $ 381,000 | $ 178,000 |
| Marin County California | 12 | $ 8,926,000 | $ 743,000 | $ 230,000 |
| Santa Cruz County California | 12 | $ 7,339,000 | $ 611,000 | $ 185,000 |
| Placer County California | 11 | $ 4,238,000 | $ 385,000 | $ 95,000 |
| Santa Barbara County California | 11 | $ 7,070,000 | $ 642,000 | $ 211,000 |
| Loudoun County Virginia | 11 | $ 5,130,000 | $ 466,000 | $ 132,000 |
| Prince William County Virginia | 11 | $ 3,765,000 | $ 342,000 | $ 98,000 |
| Clark County Nevada | 10 | $ 5,749,000 | $ 574,000 | $ 169,000 |
| Arlington County Virginia | 10 | $ 5,891,000 | $ 589,000 | $ 221,000 |
| Pierce County Washington | 10 | $ 4,853,000 | $ 485,000 | $ 288,000 |
| Washoe County Nevada | 9 | $ 4,236,000 | $ 470,000 | $ 153,000 |
| Monterey County California | 8 | $ 5,349,000 | $ 668,000 | $ 239,000 |
| Sonoma County California | 8 | $ 4,463,000 | $ 557,000 | $ 175,000 |
| Snohomish County Washington | 8 | $ 3,245,000 | $ 405,000 | $ 127,000 |
| San Luis Obispo County California | 7 | $ 4,816,000 | $ 688,000 | $ 158,000 |
| Solano County California | 7 | $ 1,800,000 | $ 257,000 | $ 110,000 |
| Denver County Colorado | 7 | $ 3,109,000 | $ 444,000 | $ 158,000 |
| Howard County Maryland | 7 | $ 2,872,000 | $ 410,000 | $ 139,000 |
| Essex County Massachusetts | 6 | $ 4,081,000 | $ 680,000 | $ 294,000 |
| Norfolk County Massachusetts | 6 | $ 4,706,000 | $ 784,000 | $ 283,000 |
| Multnomah County Oregon | 6 | $ 2,598,000 | $ 433,000 | $ 202,000 |
| Mohave County Arizona | 5 | $ 749,000 | $ 149,000 | $ 154,000 |
| Kern County California | 5 | $ 1,381,000 | $ 276,000 | $ 23,000 |
| Clackamas County Oregon | 5 | $ 2,082,000 | $ 416,000 | $ 166,000 |
| Travis County Texas | 5 | $ 3,078,000 | $ 615,000 | $ 236,000 |
| San Joaquin County California | 4 | $ 1,903,000 | $ 475,000 | $ 146,000 |
| Yolo County California | 4 | $ 1,841,000 | $ 460,000 | $ 139,000 |
| Douglas County Colorado | 4 | $ 2,567,000 | $ 641,000 | $ 178,000 |
| Jefferson County Colorado | 4 | $ 2,140,000 | $ 535,000 | $ 155,000 |
| Anne Arundel County Maryland | 4 | $ 2,010,000 | $ 502,000 | $ 199,000 |
| Harris County Texas | 4 | $ 2,373,000 | $ 593,000 | $ 292,000 |
| Yavapai County Arizona | 3 | $ 635,000 | $ 211,000 | $ 56,000 |
| Calaveras County California | 3 | $ 702,000 | $ 234,000 | $ 147,000 |
| El Dorado County California | 3 | $ 1,143,000 | $ 381,000 | $ 150,000 |
| Napa County California | 3 | $ 2,016,000 | $ 672,000 | $ 225,000 |
| Adams County Colorado | 3 | $ 849,000 | $ 283,000 | $ 21,000 |
| Hartford County Connecticut | 3 | $ 929,000 | $ 309,000 | $ 144,000 |
| Broward County Florida | 3 | $ 1,465,000 | $ 488,000 | $ 168,000 |
| Lake County Florida | 3 | $ 572,000 | $ 190,000 | $ 101,000 |
| Miami-Dade County Florida | 3 | $ 1,815,000 | $ 605,000 | $ 191,000 |
| Sarasota County Florida | 3 | $ 1,779,000 | $ 593,000 | $ 165,000 |
| St. Johns County Florida | 3 | $ 1,005,000 | $ 335,000 | $ 300,000 |
| St. Lucie County Florida | 3 | $ 490,000 | $ 163,000 | $ 57,000 |
| Barnstable County Massachusetts | 3 | $ 1,582,000 | $ 527,000 | $ 546,000 |
| Worcester County Massachusetts | 3 | $ 1,671,000 | $ 557,000 | $ 194,000 |
| Douglas County Nevada | 3 | $ 1,382,000 | $ 460,000 | $ 98,000 |
| Somerset County New Jersey | 3 | $ 947,000 | $ 315,000 | $ 151,000 |
| Fort Bend County Texas | 3 | $ 1,070,000 | $ 356,000 | $ 281,000 |
| Montgomery County Texas | 3 | $ 1,179,000 | $ 393,000 | $ 236,000 |
| San Benito County California | 2 | $ 750,000 | $ 375,000 | $ 156,000 |
| Stanislaus County California | 2 | $ 758,000 | $ 379,000 | $ 125,000 |
| Tulare County California | 2 | $ 540,000 | $ 270,000 | $ 295,000 |
| Arapahoe County Colorado | 2 | $ 1,149,000 | $ 574,000 | $ 530,000 |
| Boulder County Colorado | 2 | $ 966,000 | $ 483,000 | $ 243,000 |
| Weld County Colorado | 2 | $ 560,000 | $ 280,000 | $ 53,000 |
| Fulton County Georgia | 2 | $ 840,000 | $ 420,000 | $ 127,000 |
| Baltimore County Maryland | 2 | $ 1,052,000 | $ 526,000 | $ 180,000 |
| Harford County Maryland | 2 | $ 607,000 | $ 303,000 | $ 24,000 |
| Morris County New Jersey | 2 | $ 1,156,000 | $ 578,000 | $ 143,000 |
| Union County New Jersey | 2 | $ 1,029,000 | $ 514,000 | $ 49,000 |
| Washington County Oregon | 2 | $ 490,000 | $ 245,000 | $ 188,000 |
| Allegheny County Pennsylvania | 2 | $ 1,467,000 | $ 733,000 | $ 322,000 |
| Collin County Texas | 2 | $ 1,464,000 | $ 732,000 | $ 408,000 |
| Dallas County Texas | 2 | $ 2,263,000 | $ 1,131,000 | $ 288,000 |
| Denton County Texas | 2 | $ 731,000 | $ 365,000 | $ 190,000 |
| Parker County Texas | 2 | $ 273,000 | $ 136,000 | $ 58,000 |
| Alexandria County Virginia | 2 | $ 1,031,000 | $ 515,000 | $ 188,000 |
| Falls Church County Virginia | 2 | $ 1,646,000 | $ 823,000 | $ 383,000 |
| Clark County Washington | 2 | $ 1,131,000 | $ 565,000 | $ 243,000 |
| Pima County Arizona | 1 | $ 308,000 | $ 308,000 | $ 133,000 |
| Butte County California | 1 | $ 382,000 | $ 382,000 | $ 309,000 |
| Fresno County California | 1 | $ 219,000 | $ 219,000 | $ 110,000 |
| Inyo County California | 1 | $ 295,000 | $ 295,000 | $ 122,000 |
| Merced County California | 1 | $ 70,000 | $ 70,000 | $ 160,000 |
| Nevada County California | 1 | $ 770,000 | $ 770,000 | $ 652,000 |
| Plumas County California | 1 | $ 720,000 | $ 720,000 | $ 259,000 |
| Shasta County California | 1 | $ 195,000 | $ 195,000 | $ 404,000 |
| Sutter County California | 1 | $ 245,000 | $ 245,000 | $ 60,000 |
| Broomfield County Colorado | 1 | $ 615,000 | $ 615,000 | $ 196,000 |
| Eagle County Colorado | 1 | $ 1,181,000 | $ 1,181,000 | $ 354,000 |
| Teller County Colorado | 1 | $ 350,000 | $ 350,000 | $ 134,000 |
| Fairfield County Connecticut | 1 | $ 1,298,000 | $ 1,298,000 | $ 318,000 |
| Brevard County Florida | 1 | $ 496,000 | $ 496,000 | $ 164,000 |
| Hillsborough County Florida | 1 | $ 1,100,000 | $ 1,100,000 | $ 631,000 |
| Lee County Florida | 1 | $ 324,000 | $ 324,000 | $ 226,000 |
| Martin County Florida | 1 | $ 110,000 | $ 110,000 | $ 163,000 |
| Orange County Florida | 1 | $ 510,000 | $ 510,000 | $ 179,000 |
| Palm Beach County Florida | 1 | $ 694,000 | $ 694,000 | $ 199,000 |
| Pasco County Florida | 1 | $ 338,000 | $ 338,000 | $ 187,000 |
| Santa Rosa County Florida | 1 | $ 601,000 | $ 601,000 | $ 276,000 |
| Brown County Indiana | 1 | $ 199,000 | $ 199,000 | $ 51,000 |
| Hancock County Indiana | 1 | $ 550,000 | $ 550,000 | $ 202,000 |
| Johnson County Indiana | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Marion County Indiana | 1 | $ 536,000 | $ 536,000 | $ 160,000 |
| Carroll County Maryland | 1 | $ 280,000 | $ 280,000 | $ 111,000 |
| Frederick County Maryland | 1 | $ 370,000 | $ 370,000 | $ 125,000 |
| Garrett County Maryland | 1 | $ 1,700,000 | $ 1,700,000 | $ 299,000 |
| Prince George's County Maryland | 1 | $ 314,000 | $ 314,000 | $ 60,000 |
| St. Mary's County Maryland | 1 | $ 468,000 | $ 468,000 | $ 236,000 |
| Berkshire County Massachusetts | 1 | $ 345,000 | $ 345,000 | $ 312,000 |
| Dukes County Massachusetts | 1 | $ 815,000 | $ 815,000 | $ 184,000 |
| Suffolk County Massachusetts | 1 | $ 324,000 | $ 324,000 | $ 90,000 |
| Burlington County New Jersey | 1 | $ 417,000 | $ 417,000 | $ 281,000 |
| Hunterdon County New Jersey | 1 | $ 444,000 | $ 444,000 | $ 115,000 |
| Middlesex County New Jersey | 1 | $ 500,000 | $ 500,000 | $ 168,000 |
| Monmouth County New Jersey | 1 | $ 1,079,000 | $ 1,079,000 | $ 350,000 |
| Ocean County New Jersey | 1 | $ 593,000 | $ 593,000 | $ 0 |
| Gaston County North Carolina | 1 | $ 173,000 | $ 173,000 | $ 199,000 |
| Hoke County North Carolina | 1 | $ 157,000 | $ 157,000 | $ 64,000 |
| Mecklenburg County North Carolina | 1 | $ 945,000 | $ 945,000 | $ 170,000 |
| Union County North Carolina | 1 | $ 328,000 | $ 328,000 | $ 0 |
| Wake County North Carolina | 1 | $ 513,000 | $ 513,000 | $ 201,000 |
| Deschutes County Oregon | 1 | $ 840,000 | $ 840,000 | $ 215,000 |
| Lincoln County Oregon | 1 | $ 524,000 | $ 524,000 | $ 0 |
| Morrow County Oregon | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Yamhill County Oregon | 1 | $ 303,000 | $ 303,000 | $ 0 |
| Chester County Pennsylvania | 1 | $ 330,000 | $ 330,000 | $ 0 |
| Delaware County Pennsylvania | 1 | $ 475,000 | $ 475,000 | $ 190,000 |
| Erie County Pennsylvania | 1 | $ 526,000 | $ 526,000 | $ 266,000 |
| Lycoming County Pennsylvania | 1 | $ 389,000 | $ 389,000 | $ 165,000 |
| Philadelphia County Pennsylvania | 1 | $ 880,000 | $ 880,000 | $ 528,000 |
| Washington County Pennsylvania | 1 | $ 630,000 | $ 630,000 | $ 178,000 |
| Aransas County Texas | 1 | $ 640,000 | $ 640,000 | $ 401,000 |
| Brazoria County Texas | 1 | $ 195,000 | $ 195,000 | $ 105,000 |
| El Paso County Texas | 1 | $ 160,000 | $ 160,000 | $ 282,000 |
| Galveston County Texas | 1 | $ 248,000 | $ 248,000 | $ 106,000 |
| Tarrant County Texas | 1 | $ 720,000 | $ 720,000 | $ 293,000 |
| Taylor County Texas | 1 | $ 125,000 | $ 125,000 | $ 113,000 |
| Williamson County Texas | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
| Davis County Utah | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Summit County Utah | 1 | $ 321,000 | $ 321,000 | $ 109,000 |
| James City County Virginia | 1 | $ 231,000 | $ 231,000 | $ 81,000 |
| Richmond City County Virginia | 1 | $ 562,000 | $ 562,000 | $ 186,000 |
| Virginia Beach County Virginia | 1 | $ 400,000 | $ 400,000 | $ 142,000 |
| Douglas County Washington | 1 | $ 464,000 | $ 464,000 | $ 131,000 |
| Kitsap County Washington | 1 | $ 420,000 | $ 420,000 | $ 93,000 |
| Kittitas County Washington | 1 | $ 417,000 | $ 417,000 | $ 264,000 |
| Spokane County Washington | 1 | $ 575,000 | $ 575,000 | $ 128,000 |
| Whatcom County Washington | 1 | $ 417,000 | $ 417,000 | $ 154,000 |
Mortgage Loan Application Detail Totals for Watermark Capital, Inc. in 2015
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,351 | $797,895,000 | $590,000 | $2,280,000 | $195,000 | $1,956,000 |
| Home Purchase | 472 | $261,445,000 | $553,000 | $3,250,000 | $190,000 | $1,605,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,197 | $712,927,000 | $595,000 | $3,250,000 | $200,000 | $1,626,000 |
| Asian | 312 | $188,454,000 | $604,000 | $2,838,000 | $193,000 | $682,000 |
| Hispanic | 133 | $58,021,000 | $436,000 | $1,364,000 | $134,000 | $1,178,000 |
| Not Provided | 123 | $71,587,000 | $582,000 | $1,540,000 | $221,000 | $1,956,000 |
| Black or African American | 39 | $18,239,000 | $467,000 | $1,817,000 | $122,000 | $506,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $6,916,000 | $532,000 | $1,000,000 | $154,000 | $404,000 |
| American Indian or Alaskan Native | 5 | $2,163,000 | $432,000 | $640,000 | $108,000 | $180,000 |
| Not applicable | 1 | $1,033,000 | $1,033,000 | $1,033,000 | $276,000 | $276,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,613 | $975,591,000 | $604,000 | $3,250,000 | $210,000 | $1,956,000 |
| FHA-insured (Federal Housing Administration) | 136 | $53,192,000 | $391,000 | $684,000 | $68,000 | $310,000 |
| VA-guaranteed (Veterans Administration) | 74 | $30,557,000 | $412,000 | $1,222,000 | $71,000 | $443,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,404 | $798,119,000 | $568,000 | $3,250,000 | $193,000 | $1,605,000 |
| Application Withdrawn By Applicant | 235 | $150,787,000 | $641,000 | $2,000,000 | $203,000 | $1,956,000 |
| Application Denied By Financial Institution | 114 | $66,634,000 | $584,000 | $1,496,000 | $184,000 | $1,626,000 |
| File Closed For Incompleteness | 56 | $36,841,000 | $657,000 | $2,100,000 | $195,000 | $493,000 |
| Application Approved But Not Accepted | 14 | $6,959,000 | $497,000 | $1,080,000 | $147,000 | $305,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Watermark Capital, Inc.'s 2015 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Watermark Capital, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.