Watermark Capital, Inc. Mortgage Lending & HMDA Data, 2016
In 2016, Watermark Capital, Inc. of Irvine, CA reported 2,587 mortgage applications totaling $1.3 billion, up 42% from 2015. The average application was for $508,772, and applicants reported an average income of $179,328. 78% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (585), Anaheim-Santa Ana-Irvine, CA (473) and San Diego-Carlsbad, CA (253) (applications in parentheses).
| Mortgage Company & Address | Watermark Capital, Inc. 100 Spectrum Center Dr Ste 150 Irvine, CA 92618 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 2,587 |
| Total Mortgage Loan Application Amount | $1,316,195,000 |
| Average Mortgage Loan Application Amount | $508,772 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $179,328 |
| Highest Applicant Income | $3,936,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Watermark Capital, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 585 | $ 335,078,000 | $ 572,782 | $ 198,000 |
| Orange, California | 473 | $ 242,549,000 | $ 512,788 | $ 176,000 |
| San Diego, California | 253 | $ 124,141,000 | $ 490,675 | $ 164,000 |
| Santa Clara, California | 129 | $ 79,599,000 | $ 617,046 | $ 192,000 |
| Alameda, California | 106 | $ 59,010,000 | $ 556,698 | $ 220,000 |
| Riverside, California | 80 | $ 27,630,000 | $ 345,375 | $ 114,000 |
| Contra Costa, California | 68 | $ 39,088,000 | $ 574,823 | $ 199,000 |
| King, Washington | 66 | $ 34,679,000 | $ 525,439 | $ 188,000 |
| San Mateo, California | 48 | $ 31,111,000 | $ 648,145 | $ 230,000 |
| Ventura, California | 48 | $ 22,116,000 | $ 460,750 | $ 165,000 |
| San Bernardino, California | 47 | $ 16,505,000 | $ 351,170 | $ 115,000 |
| San Francisco, California | 32 | $ 20,043,000 | $ 626,343 | $ 324,000 |
| Fairfax, Virginia | 30 | $ 18,089,000 | $ 602,966 | $ 193,000 |
| Loudoun, Virginia | 28 | $ 15,194,000 | $ 542,642 | $ 161,000 |
| Clark, Nevada | 24 | $ 7,428,000 | $ 309,500 | $ 109,000 |
| Marin, California | 22 | $ 14,390,000 | $ 654,090 | $ 193,000 |
| Montgomery, Maryland | 21 | $ 10,936,000 | $ 520,761 | $ 218,000 |
| Sacramento, California | 20 | $ 7,929,000 | $ 396,450 | $ 166,000 |
| Placer, California | 19 | $ 8,191,000 | $ 431,105 | $ 198,000 |
| Middlesex, Massachusetts | 19 | $ 10,591,000 | $ 557,421 | $ 195,000 |
| Sonoma, California | 17 | $ 9,422,000 | $ 554,235 | $ 220,000 |
| Maricopa, Arizona | 15 | $ 5,180,000 | $ 345,333 | $ 157,000 |
| Santa Barbara, California | 14 | $ 8,019,000 | $ 572,785 | $ 138,000 |
| San Luis Obispo, California | 12 | $ 5,877,000 | $ 489,750 | $ 143,000 |
| Howard, Maryland | 11 | $ 5,164,000 | $ 469,454 | $ 156,000 |
| Washington, Oregon | 11 | $ 3,280,000 | $ 298,181 | $ 134,000 |
| Prince William, Virginia | 11 | $ 5,333,000 | $ 484,818 | $ 125,000 |
| Baltimore, Maryland | 10 | $ 4,240,000 | $ 424,000 | $ 181,000 |
| Multnomah, Oregon | 10 | $ 5,168,000 | $ 516,800 | $ 221,000 |
| Pierce, Washington | 10 | $ 3,925,000 | $ 392,500 | $ 196,000 |
| El Dorado, California | 9 | $ 3,825,000 | $ 425,000 | $ 165,000 |
| Santa Cruz, California | 9 | $ 5,276,000 | $ 586,222 | $ 172,000 |
| District of Columbia, District Of Columbia | 9 | $ 3,859,000 | $ 428,777 | $ 174,000 |
| Washoe, Nevada | 9 | $ 3,066,000 | $ 340,666 | $ 94,000 |
| Boulder, Colorado | 8 | $ 3,913,000 | $ 489,125 | $ 147,000 |
| Arlington, Virginia | 8 | $ 4,564,000 | $ 570,500 | $ 199,000 |
| Snohomish, Washington | 8 | $ 3,155,000 | $ 394,375 | $ 143,000 |
| Monterey, California | 7 | $ 2,765,000 | $ 395,000 | $ 152,000 |
| San Joaquin, California | 7 | $ 2,292,000 | $ 327,428 | $ 113,000 |
| Anne Arundel, Maryland | 7 | $ 3,068,000 | $ 438,285 | $ 176,000 |
| Norfolk, Massachusetts | 7 | $ 3,012,000 | $ 430,285 | $ 181,000 |
| Worcester, Massachusetts | 7 | $ 2,713,000 | $ 387,571 | $ 109,000 |
| Alexandria, Virginia | 7 | $ 3,844,000 | $ 549,142 | $ 166,000 |
| Nevada, California | 6 | $ 1,826,000 | $ 304,333 | $ 170,000 |
| Bristol, Massachusetts | 6 | $ 1,430,000 | $ 238,333 | $ 110,000 |
| Essex, Massachusetts | 6 | $ 2,863,000 | $ 477,166 | $ 155,000 |
| Kitsap, Washington | 6 | $ 1,985,000 | $ 330,833 | $ 117,000 |
| Fresno, California | 5 | $ 1,839,000 | $ 367,800 | $ 81,000 |
| Solano, California | 5 | $ 1,749,000 | $ 349,800 | $ 159,000 |
| Broomfield, Colorado | 5 | $ 1,840,000 | $ 368,000 | $ 306,000 |
| Denver, Colorado | 5 | $ 2,321,000 | $ 464,200 | $ 170,000 |
| Fairfield, Connecticut | 5 | $ 3,365,000 | $ 673,000 | $ 236,000 |
| Plymouth, Massachusetts | 5 | $ 1,856,000 | $ 371,200 | $ 102,000 |
| Clark, Washington | 5 | $ 1,707,000 | $ 341,400 | $ 128,000 |
| Spokane, Washington | 5 | $ 1,325,000 | $ 265,000 | $ 67,000 |
| Adams, Colorado | 4 | $ 1,530,000 | $ 382,500 | $ 144,000 |
| Arapahoe, Colorado | 4 | $ 2,017,000 | $ 504,250 | $ 176,000 |
| Jefferson, Colorado | 4 | $ 1,262,000 | $ 315,500 | $ 129,000 |
| Palm Beach, Florida | 4 | $ 1,162,000 | $ 290,500 | $ 173,000 |
| Carroll, Maryland | 4 | $ 1,584,000 | $ 396,000 | $ 127,000 |
| Prince George's, Maryland | 4 | $ 1,217,000 | $ 304,250 | $ 132,000 |
| Douglas, Nevada | 4 | $ 1,129,000 | $ 282,250 | $ 14,000 |
| Middlesex, New Jersey | 4 | $ 1,810,000 | $ 452,500 | $ 183,000 |
| Somerset, New Jersey | 4 | $ 1,544,000 | $ 386,000 | $ 176,000 |
| Tarrant, Texas | 4 | $ 1,558,000 | $ 389,500 | $ 245,000 |
| Clallam, Washington | 4 | $ 1,254,000 | $ 313,500 | $ 183,000 |
| Stanislaus, California | 3 | $ 1,058,000 | $ 352,666 | $ 164,000 |
| Hamilton, Indiana | 3 | $ 723,000 | $ 241,000 | $ 144,000 |
| Suffolk, Massachusetts | 3 | $ 1,258,000 | $ 419,333 | $ 232,000 |
| Monmouth, New Jersey | 3 | $ 1,651,000 | $ 550,333 | $ 211,000 |
| Travis, Texas | 3 | $ 822,000 | $ 274,000 | $ 120,000 |
| Williamson, Texas | 3 | $ 696,000 | $ 232,000 | $ 83,000 |
| Davis, Utah | 3 | $ 874,000 | $ 291,333 | $ 85,000 |
| Butte, California | 2 | $ 588,000 | $ 294,000 | $ 55,000 |
| San Benito, California | 2 | $ 1,163,000 | $ 581,500 | $ 320,000 |
| Sutter, California | 2 | $ 431,000 | $ 215,500 | $ 103,000 |
| Yolo, California | 2 | $ 1,307,000 | $ 653,500 | $ 289,000 |
| Douglas, Colorado | 2 | $ 1,098,000 | $ 549,000 | $ 215,000 |
| New Haven, Connecticut | 2 | $ 590,000 | $ 295,000 | $ 97,000 |
| Broward, Florida | 2 | $ 672,000 | $ 336,000 | $ 216,000 |
| Hillsborough, Florida | 2 | $ 742,000 | $ 371,000 | $ 132,000 |
| Orange, Florida | 2 | $ 742,000 | $ 371,000 | $ 104,000 |
| Santa Rosa, Florida | 2 | $ 1,207,000 | $ 603,500 | $ 0 |
| Brown, Indiana | 2 | $ 363,000 | $ 181,500 | $ 51,000 |
| Clark, Indiana | 2 | $ 911,000 | $ 455,500 | $ 195,000 |
| Bergen, New Jersey | 2 | $ 884,000 | $ 442,000 | $ 183,000 |
| Union, New Jersey | 2 | $ 840,000 | $ 420,000 | $ 145,000 |
| Clackamas, Oregon | 2 | $ 678,000 | $ 339,000 | $ 226,000 |
| Marion, Oregon | 2 | $ 471,000 | $ 235,500 | $ 97,000 |
| Chester, Pennsylvania | 2 | $ 804,000 | $ 402,000 | $ 138,000 |
| Utah, Utah | 2 | $ 814,000 | $ 407,000 | $ 103,000 |
| Fairfax City, Virginia | 2 | $ 764,000 | $ 382,000 | $ 91,000 |
| Henrico, Virginia | 2 | $ 649,000 | $ 324,500 | $ 234,000 |
| Richmond City, Virginia | 2 | $ 744,000 | $ 372,000 | $ 140,000 |
| Franklin, Washington | 2 | $ 664,000 | $ 332,000 | $ 101,000 |
| Mohave, Arizona | 1 | $ 97,000 | $ 97,000 | $ 55,000 |
| Yavapai, Arizona | 1 | $ 184,000 | $ 184,000 | $ 99,000 |
| Calaveras, California | 1 | $ 400,000 | $ 400,000 | $ 133,000 |
| Humboldt, California | 1 | $ 417,000 | $ 417,000 | $ 100,000 |
| Imperial, California | 1 | $ 302,000 | $ 302,000 | $ 97,000 |
| Kern, California | 1 | $ 417,000 | $ 417,000 | $ 183,000 |
| Kings, California | 1 | $ 320,000 | $ 320,000 | $ 130,000 |
| Lake, California | 1 | $ 140,000 | $ 140,000 | $ 66,000 |
| Madera, California | 1 | $ 295,000 | $ 295,000 | $ 144,000 |
| Napa, California | 1 | $ 417,000 | $ 417,000 | $ 216,000 |
| Plumas, California | 1 | $ 285,000 | $ 285,000 | $ 271,000 |
| Shasta, California | 1 | $ 127,000 | $ 127,000 | $ 86,000 |
| Siskiyou, California | 1 | $ 275,000 | $ 275,000 | $ 92,000 |
| Tuolumne, California | 1 | $ 303,000 | $ 303,000 | $ 155,000 |
| Yuba, California | 1 | $ 229,000 | $ 229,000 | $ 134,000 |
| Eagle, Colorado | 1 | $ 465,000 | $ 465,000 | $ 176,000 |
| Garfield, Colorado | 1 | $ 629,000 | $ 629,000 | $ 246,000 |
| Mesa, Colorado | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Weld, Colorado | 1 | $ 300,000 | $ 300,000 | $ 179,000 |
| Tolland, Connecticut | 1 | $ 217,000 | $ 217,000 | $ 132,000 |
| Brevard, Florida | 1 | $ 645,000 | $ 645,000 | $ 306,000 |
| Collier, Florida | 1 | $ 428,000 | $ 428,000 | $ 121,000 |
| Manatee, Florida | 1 | $ 417,000 | $ 417,000 | $ 123,000 |
| Miami-Dade, Florida | 1 | $ 619,000 | $ 619,000 | $ 570,000 |
| Monroe, Florida | 1 | $ 785,000 | $ 785,000 | $ 959,000 |
| Osceola, Florida | 1 | $ 69,000 | $ 69,000 | $ 106,000 |
| Pasco, Florida | 1 | $ 191,000 | $ 191,000 | $ 164,000 |
| St. Lucie, Florida | 1 | $ 153,000 | $ 153,000 | $ 37,000 |
| Johnson, Indiana | 1 | $ 337,000 | $ 337,000 | $ 0 |
| Baltimore City, Maryland | 1 | $ 203,000 | $ 203,000 | $ 118,000 |
| Calvert, Maryland | 1 | $ 300,000 | $ 300,000 | $ 104,000 |
| Frederick, Maryland | 1 | $ 417,000 | $ 417,000 | $ 138,000 |
| Garrett, Maryland | 1 | $ 271,000 | $ 271,000 | $ 515,000 |
| Queen Anne's, Maryland | 1 | $ 417,000 | $ 417,000 | $ 126,000 |
| Talbot, Maryland | 1 | $ 342,000 | $ 342,000 | $ 198,000 |
| Worcester, Maryland | 1 | $ 244,000 | $ 244,000 | $ 53,000 |
| Barnstable, Massachusetts | 1 | $ 400,000 | $ 400,000 | $ 103,000 |
| Berkshire, Massachusetts | 1 | $ 307,000 | $ 307,000 | $ 0 |
| Dukes, Massachusetts | 1 | $ 396,000 | $ 396,000 | $ 140,000 |
| Buncombe, North Carolina | 1 | $ 711,000 | $ 711,000 | $ 121,000 |
| Pitt, North Carolina | 1 | $ 211,000 | $ 211,000 | $ 124,000 |
| Wake, North Carolina | 1 | $ 278,000 | $ 278,000 | $ 151,000 |
| Deschutes, Oregon | 1 | $ 333,000 | $ 333,000 | $ 0 |
| Jefferson, Oregon | 1 | $ 285,000 | $ 285,000 | $ 59,000 |
| Yamhill, Oregon | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Allegheny, Pennsylvania | 1 | $ 417,000 | $ 417,000 | $ 246,000 |
| Delaware, Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 170,000 |
| Lehigh, Pennsylvania | 1 | $ 302,000 | $ 302,000 | $ 196,000 |
| Union, Pennsylvania | 1 | $ 385,000 | $ 385,000 | $ 120,000 |
| Westmoreland, Pennsylvania | 1 | $ 570,000 | $ 570,000 | $ 105,000 |
| York, Pennsylvania | 1 | $ 725,000 | $ 725,000 | $ 850,000 |
| Collin, Texas | 1 | $ 140,000 | $ 140,000 | $ 366,000 |
| Dallas, Texas | 1 | $ 695,000 | $ 695,000 | $ 237,000 |
| Denton, Texas | 1 | $ 463,000 | $ 463,000 | $ 169,000 |
| Harris, Texas | 1 | $ 700,000 | $ 700,000 | $ 319,000 |
| Montgomery, Texas | 1 | $ 109,000 | $ 109,000 | $ 264,000 |
| Salt Lake, Utah | 1 | $ 210,000 | $ 210,000 | $ 210,000 |
| Botetourt, Virginia | 1 | $ 255,000 | $ 255,000 | $ 73,000 |
| Chesapeake, Virginia | 1 | $ 400,000 | $ 400,000 | $ 174,000 |
| Falls Church, Virginia | 1 | $ 458,000 | $ 458,000 | $ 126,000 |
| Greene, Virginia | 1 | $ 399,000 | $ 399,000 | $ 110,000 |
| King George, Virginia | 1 | $ 399,000 | $ 399,000 | $ 107,000 |
| Rockbridge, Virginia | 1 | $ 354,000 | $ 354,000 | $ 125,000 |
| Stafford, Virginia | 1 | $ 505,000 | $ 505,000 | $ 259,000 |
| Waynesboro, Virginia | 1 | $ 236,000 | $ 236,000 | $ 79,000 |
| Williamsburg, Virginia | 1 | $ 436,000 | $ 436,000 | $ 118,000 |
| Benton, Washington | 1 | $ 90,000 | $ 90,000 | $ 85,000 |
| Grays Harbor, Washington | 1 | $ 414,000 | $ 414,000 | $ 0 |
| Thurston, Washington | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Whatcom, Washington | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Watermark Capital, Inc. in 2016
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 | 2,085 | $1,047,366,000 | $502,000 | $3,000,000 | $177,000 | $3,936,000 |
| Home Purchase | 502 | $268,829,000 | $535,000 | $3,000,000 | $189,000 | $1,244,000 |
| 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 | 1,537 | $788,786,000 | $513,000 | $3,000,000 | $186,000 | $3,936,000 |
| Asian | 453 | $234,001,000 | $516,000 | $2,518,000 | $173,000 | $681,000 |
| Not Provided | 344 | $179,108,000 | $520,000 | $3,000,000 | $188,000 | $1,148,000 |
| Hispanic | 161 | $73,812,000 | $458,000 | $1,408,000 | $142,000 | $1,244,000 |
| Black or African American | 67 | $29,512,000 | $440,000 | $1,808,000 | $152,000 | $790,000 |
| Native Hawaiin or Other Pacific Islander | 13 | $4,866,000 | $374,000 | $606,000 | $81,000 | $169,000 |
| American Indian or Alaskan Native | 8 | $4,267,000 | $533,000 | $851,000 | $162,000 | $245,000 |
| Not applicable | 4 | $1,843,000 | $460,000 | $569,000 | $119,000 | $158,000 |
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) | 2,347 | $1,211,818,000 | $516,000 | $3,000,000 | $191,000 | $3,936,000 |
| VA-guaranteed (Veterans Administration) | 163 | $73,516,000 | $451,000 | $1,387,000 | $60,000 | $251,000 |
| FHA-insured (Federal Housing Administration) | 77 | $30,861,000 | $400,000 | $671,000 | $73,000 | $220,000 |
| 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 | 2,021 | $1,005,705,000 | $497,000 | $3,000,000 | $179,000 | $2,882,000 |
| Application Withdrawn By Applicant | 316 | $168,497,000 | $533,000 | $2,500,000 | $185,000 | $3,936,000 |
| Application Approved But Not Accepted | 137 | $73,749,000 | $538,000 | $2,265,000 | $189,000 | $664,000 |
| Application Denied By Financial Institution | 106 | $65,210,000 | $615,000 | $1,978,000 | $178,000 | $850,000 |
| File Closed For Incompleteness | 7 | $3,034,000 | $433,000 | $1,033,000 | $83,000 | $270,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 2 | $617,000 | $308,000 | $408,000 | $144,000 | $155,000 |
| Debt-To-Income Ratio | 1 | $1,500,000 | $1,500,000 | $1,500,000 | $328,000 | $328,000 |
| Collateral | 1 | $348,000 | $348,000 | $348,000 | $319,000 | $319,000 |
| Credit Application Incomplete | 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 2016 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.
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