Watermark Capital, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Watermark Capital, Inc. 2016 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 | 2,587 |
| Total Mortgage Loan Application Amount | $1,316,195,000 |
| Average Mortgage Loan Application Amount | $518,500 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $183,000 |
| Highest Applicant Income | $3,936,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 585 | $ 335,078,000 | $ 572,000 | $ 198,000 |
| Orange County California | 473 | $ 242,549,000 | $ 512,000 | $ 176,000 |
| San Diego County California | 253 | $ 124,141,000 | $ 490,000 | $ 164,000 |
| Santa Clara County California | 129 | $ 79,599,000 | $ 617,000 | $ 192,000 |
| Alameda County California | 106 | $ 59,010,000 | $ 556,000 | $ 220,000 |
| Riverside County California | 80 | $ 27,630,000 | $ 345,000 | $ 114,000 |
| Contra Costa County California | 68 | $ 39,088,000 | $ 574,000 | $ 199,000 |
| King County Washington | 66 | $ 34,679,000 | $ 525,000 | $ 188,000 |
| San Mateo County California | 48 | $ 31,111,000 | $ 648,000 | $ 230,000 |
| Ventura County California | 48 | $ 22,116,000 | $ 460,000 | $ 165,000 |
| San Bernardino County California | 47 | $ 16,505,000 | $ 351,000 | $ 115,000 |
| San Francisco County California | 32 | $ 20,043,000 | $ 626,000 | $ 324,000 |
| Fairfax County Virginia | 30 | $ 18,089,000 | $ 602,000 | $ 193,000 |
| Loudoun County Virginia | 28 | $ 15,194,000 | $ 542,000 | $ 161,000 |
| Clark County Nevada | 24 | $ 7,428,000 | $ 309,000 | $ 109,000 |
| Marin County California | 22 | $ 14,390,000 | $ 654,000 | $ 193,000 |
| Montgomery County Maryland | 21 | $ 10,936,000 | $ 520,000 | $ 218,000 |
| Sacramento County California | 20 | $ 7,929,000 | $ 396,000 | $ 166,000 |
| Placer County California | 19 | $ 8,191,000 | $ 431,000 | $ 198,000 |
| Middlesex County Massachusetts | 19 | $ 10,591,000 | $ 557,000 | $ 195,000 |
| Sonoma County California | 17 | $ 9,422,000 | $ 554,000 | $ 220,000 |
| Maricopa County Arizona | 15 | $ 5,180,000 | $ 345,000 | $ 157,000 |
| Santa Barbara County California | 14 | $ 8,019,000 | $ 572,000 | $ 138,000 |
| San Luis Obispo County California | 12 | $ 5,877,000 | $ 489,000 | $ 143,000 |
| Howard County Maryland | 11 | $ 5,164,000 | $ 469,000 | $ 156,000 |
| Washington County Oregon | 11 | $ 3,280,000 | $ 298,000 | $ 134,000 |
| Prince William County Virginia | 11 | $ 5,333,000 | $ 484,000 | $ 125,000 |
| Baltimore County Maryland | 10 | $ 4,240,000 | $ 424,000 | $ 181,000 |
| Multnomah County Oregon | 10 | $ 5,168,000 | $ 516,000 | $ 221,000 |
| Pierce County Washington | 10 | $ 3,925,000 | $ 392,000 | $ 196,000 |
| El Dorado County California | 9 | $ 3,825,000 | $ 425,000 | $ 165,000 |
| Santa Cruz County California | 9 | $ 5,276,000 | $ 586,000 | $ 172,000 |
| District of Columbia County District Of Columbia | 9 | $ 3,859,000 | $ 428,000 | $ 174,000 |
| Washoe County Nevada | 9 | $ 3,066,000 | $ 340,000 | $ 94,000 |
| Boulder County Colorado | 8 | $ 3,913,000 | $ 489,000 | $ 147,000 |
| Arlington County Virginia | 8 | $ 4,564,000 | $ 570,000 | $ 199,000 |
| Snohomish County Washington | 8 | $ 3,155,000 | $ 394,000 | $ 143,000 |
| Monterey County California | 7 | $ 2,765,000 | $ 395,000 | $ 152,000 |
| San Joaquin County California | 7 | $ 2,292,000 | $ 327,000 | $ 113,000 |
| Anne Arundel County Maryland | 7 | $ 3,068,000 | $ 438,000 | $ 176,000 |
| Norfolk County Massachusetts | 7 | $ 3,012,000 | $ 430,000 | $ 181,000 |
| Worcester County Massachusetts | 7 | $ 2,713,000 | $ 387,000 | $ 109,000 |
| Alexandria County Virginia | 7 | $ 3,844,000 | $ 549,000 | $ 166,000 |
| Nevada County California | 6 | $ 1,826,000 | $ 304,000 | $ 170,000 |
| Bristol County Massachusetts | 6 | $ 1,430,000 | $ 238,000 | $ 110,000 |
| Essex County Massachusetts | 6 | $ 2,863,000 | $ 477,000 | $ 155,000 |
| Kitsap County Washington | 6 | $ 1,985,000 | $ 330,000 | $ 117,000 |
| Fresno County California | 5 | $ 1,839,000 | $ 367,000 | $ 81,000 |
| Solano County California | 5 | $ 1,749,000 | $ 349,000 | $ 159,000 |
| Broomfield County Colorado | 5 | $ 1,840,000 | $ 368,000 | $ 306,000 |
| Denver County Colorado | 5 | $ 2,321,000 | $ 464,000 | $ 170,000 |
| Fairfield County Connecticut | 5 | $ 3,365,000 | $ 673,000 | $ 236,000 |
| Plymouth County Massachusetts | 5 | $ 1,856,000 | $ 371,000 | $ 102,000 |
| Clark County Washington | 5 | $ 1,707,000 | $ 341,000 | $ 128,000 |
| Spokane County Washington | 5 | $ 1,325,000 | $ 265,000 | $ 67,000 |
| Adams County Colorado | 4 | $ 1,530,000 | $ 382,000 | $ 144,000 |
| Arapahoe County Colorado | 4 | $ 2,017,000 | $ 504,000 | $ 176,000 |
| Jefferson County Colorado | 4 | $ 1,262,000 | $ 315,000 | $ 129,000 |
| Palm Beach County Florida | 4 | $ 1,162,000 | $ 290,000 | $ 173,000 |
| Carroll County Maryland | 4 | $ 1,584,000 | $ 396,000 | $ 127,000 |
| Prince George's County Maryland | 4 | $ 1,217,000 | $ 304,000 | $ 132,000 |
| Douglas County Nevada | 4 | $ 1,129,000 | $ 282,000 | $ 14,000 |
| Middlesex County New Jersey | 4 | $ 1,810,000 | $ 452,000 | $ 183,000 |
| Somerset County New Jersey | 4 | $ 1,544,000 | $ 386,000 | $ 176,000 |
| Tarrant County Texas | 4 | $ 1,558,000 | $ 389,000 | $ 245,000 |
| Clallam County Washington | 4 | $ 1,254,000 | $ 313,000 | $ 183,000 |
| Stanislaus County California | 3 | $ 1,058,000 | $ 352,000 | $ 164,000 |
| Hamilton County Indiana | 3 | $ 723,000 | $ 241,000 | $ 144,000 |
| Suffolk County Massachusetts | 3 | $ 1,258,000 | $ 419,000 | $ 232,000 |
| Monmouth County New Jersey | 3 | $ 1,651,000 | $ 550,000 | $ 211,000 |
| Travis County Texas | 3 | $ 822,000 | $ 274,000 | $ 120,000 |
| Williamson County Texas | 3 | $ 696,000 | $ 232,000 | $ 83,000 |
| Davis County Utah | 3 | $ 874,000 | $ 291,000 | $ 85,000 |
| Butte County California | 2 | $ 588,000 | $ 294,000 | $ 55,000 |
| San Benito County California | 2 | $ 1,163,000 | $ 581,000 | $ 320,000 |
| Sutter County California | 2 | $ 431,000 | $ 215,000 | $ 103,000 |
| Yolo County California | 2 | $ 1,307,000 | $ 653,000 | $ 289,000 |
| Douglas County Colorado | 2 | $ 1,098,000 | $ 549,000 | $ 215,000 |
| New Haven County Connecticut | 2 | $ 590,000 | $ 295,000 | $ 97,000 |
| Broward County Florida | 2 | $ 672,000 | $ 336,000 | $ 216,000 |
| Hillsborough County Florida | 2 | $ 742,000 | $ 371,000 | $ 132,000 |
| Orange County Florida | 2 | $ 742,000 | $ 371,000 | $ 104,000 |
| Santa Rosa County Florida | 2 | $ 1,207,000 | $ 603,000 | $ 0 |
| Brown County Indiana | 2 | $ 363,000 | $ 181,000 | $ 51,000 |
| Clark County Indiana | 2 | $ 911,000 | $ 455,000 | $ 195,000 |
| Bergen County New Jersey | 2 | $ 884,000 | $ 442,000 | $ 183,000 |
| Union County New Jersey | 2 | $ 840,000 | $ 420,000 | $ 145,000 |
| Clackamas County Oregon | 2 | $ 678,000 | $ 339,000 | $ 226,000 |
| Marion County Oregon | 2 | $ 471,000 | $ 235,000 | $ 97,000 |
| Chester County Pennsylvania | 2 | $ 804,000 | $ 402,000 | $ 138,000 |
| Utah County Utah | 2 | $ 814,000 | $ 407,000 | $ 103,000 |
| Fairfax City County Virginia | 2 | $ 764,000 | $ 382,000 | $ 91,000 |
| Henrico County Virginia | 2 | $ 649,000 | $ 324,000 | $ 234,000 |
| Richmond City County Virginia | 2 | $ 744,000 | $ 372,000 | $ 140,000 |
| Franklin County Washington | 2 | $ 664,000 | $ 332,000 | $ 101,000 |
| Mohave County Arizona | 1 | $ 97,000 | $ 97,000 | $ 55,000 |
| Yavapai County Arizona | 1 | $ 184,000 | $ 184,000 | $ 99,000 |
| Calaveras County California | 1 | $ 400,000 | $ 400,000 | $ 133,000 |
| Humboldt County California | 1 | $ 417,000 | $ 417,000 | $ 100,000 |
| Imperial County California | 1 | $ 302,000 | $ 302,000 | $ 97,000 |
| Kern County California | 1 | $ 417,000 | $ 417,000 | $ 183,000 |
| Kings County California | 1 | $ 320,000 | $ 320,000 | $ 130,000 |
| Lake County California | 1 | $ 140,000 | $ 140,000 | $ 66,000 |
| Madera County California | 1 | $ 295,000 | $ 295,000 | $ 144,000 |
| Napa County California | 1 | $ 417,000 | $ 417,000 | $ 216,000 |
| Plumas County California | 1 | $ 285,000 | $ 285,000 | $ 271,000 |
| Shasta County California | 1 | $ 127,000 | $ 127,000 | $ 86,000 |
| Siskiyou County California | 1 | $ 275,000 | $ 275,000 | $ 92,000 |
| Tuolumne County California | 1 | $ 303,000 | $ 303,000 | $ 155,000 |
| Yuba County California | 1 | $ 229,000 | $ 229,000 | $ 134,000 |
| Eagle County Colorado | 1 | $ 465,000 | $ 465,000 | $ 176,000 |
| Garfield County Colorado | 1 | $ 629,000 | $ 629,000 | $ 246,000 |
| Mesa County Colorado | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Weld County Colorado | 1 | $ 300,000 | $ 300,000 | $ 179,000 |
| Tolland County Connecticut | 1 | $ 217,000 | $ 217,000 | $ 132,000 |
| Brevard County Florida | 1 | $ 645,000 | $ 645,000 | $ 306,000 |
| Collier County Florida | 1 | $ 428,000 | $ 428,000 | $ 121,000 |
| Manatee County Florida | 1 | $ 417,000 | $ 417,000 | $ 123,000 |
| Miami-Dade County Florida | 1 | $ 619,000 | $ 619,000 | $ 570,000 |
| Monroe County Florida | 1 | $ 785,000 | $ 785,000 | $ 959,000 |
| Osceola County Florida | 1 | $ 69,000 | $ 69,000 | $ 106,000 |
| Pasco County Florida | 1 | $ 191,000 | $ 191,000 | $ 164,000 |
| St. Lucie County Florida | 1 | $ 153,000 | $ 153,000 | $ 37,000 |
| Johnson County Indiana | 1 | $ 337,000 | $ 337,000 | $ 0 |
| Baltimore City County Maryland | 1 | $ 203,000 | $ 203,000 | $ 118,000 |
| Calvert County Maryland | 1 | $ 300,000 | $ 300,000 | $ 104,000 |
| Frederick County Maryland | 1 | $ 417,000 | $ 417,000 | $ 138,000 |
| Garrett County Maryland | 1 | $ 271,000 | $ 271,000 | $ 515,000 |
| Queen Anne's County Maryland | 1 | $ 417,000 | $ 417,000 | $ 126,000 |
| Talbot County Maryland | 1 | $ 342,000 | $ 342,000 | $ 198,000 |
| Worcester County Maryland | 1 | $ 244,000 | $ 244,000 | $ 53,000 |
| Barnstable County Massachusetts | 1 | $ 400,000 | $ 400,000 | $ 103,000 |
| Berkshire County Massachusetts | 1 | $ 307,000 | $ 307,000 | $ 0 |
| Dukes County Massachusetts | 1 | $ 396,000 | $ 396,000 | $ 140,000 |
| Buncombe County North Carolina | 1 | $ 711,000 | $ 711,000 | $ 121,000 |
| Pitt County North Carolina | 1 | $ 211,000 | $ 211,000 | $ 124,000 |
| Wake County North Carolina | 1 | $ 278,000 | $ 278,000 | $ 151,000 |
| Deschutes County Oregon | 1 | $ 333,000 | $ 333,000 | $ 0 |
| Jefferson County Oregon | 1 | $ 285,000 | $ 285,000 | $ 59,000 |
| Yamhill County Oregon | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 417,000 | $ 417,000 | $ 246,000 |
| Delaware County Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 170,000 |
| Lehigh County Pennsylvania | 1 | $ 302,000 | $ 302,000 | $ 196,000 |
| Union County Pennsylvania | 1 | $ 385,000 | $ 385,000 | $ 120,000 |
| Westmoreland County Pennsylvania | 1 | $ 570,000 | $ 570,000 | $ 105,000 |
| York County Pennsylvania | 1 | $ 725,000 | $ 725,000 | $ 850,000 |
| Collin County Texas | 1 | $ 140,000 | $ 140,000 | $ 366,000 |
| Dallas County Texas | 1 | $ 695,000 | $ 695,000 | $ 237,000 |
| Denton County Texas | 1 | $ 463,000 | $ 463,000 | $ 169,000 |
| Harris County Texas | 1 | $ 700,000 | $ 700,000 | $ 319,000 |
| Montgomery County Texas | 1 | $ 109,000 | $ 109,000 | $ 264,000 |
| Salt Lake County Utah | 1 | $ 210,000 | $ 210,000 | $ 210,000 |
| Botetourt County Virginia | 1 | $ 255,000 | $ 255,000 | $ 73,000 |
| Chesapeake County Virginia | 1 | $ 400,000 | $ 400,000 | $ 174,000 |
| Falls Church County Virginia | 1 | $ 458,000 | $ 458,000 | $ 126,000 |
| Greene County Virginia | 1 | $ 399,000 | $ 399,000 | $ 110,000 |
| King George County Virginia | 1 | $ 399,000 | $ 399,000 | $ 107,000 |
| Rockbridge County Virginia | 1 | $ 354,000 | $ 354,000 | $ 125,000 |
| Stafford County Virginia | 1 | $ 505,000 | $ 505,000 | $ 259,000 |
| Waynesboro County Virginia | 1 | $ 236,000 | $ 236,000 | $ 79,000 |
| Williamsburg County Virginia | 1 | $ 436,000 | $ 436,000 | $ 118,000 |
| Benton County Washington | 1 | $ 90,000 | $ 90,000 | $ 85,000 |
| Grays Harbor County Washington | 1 | $ 414,000 | $ 414,000 | $ 0 |
| Thurston County Washington | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Whatcom County 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.