Watermark Capital, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021

Watermark Capital, Inc. 2021 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 10,855
Total Mortgage Loan Application Amount $3,860,155,000
Average Mortgage Loan Application Amount $376,250
Highest Mortgage Loan Application Amount $3,725,000
Average Applicant Income $141,750
Highest Applicant Income $8,013,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.

Mortgage Loan Application Totals for Watermark Capital, Inc. by County in 2021

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 1,272 $ 624,520,000 $ 490,000 $ 158,000
Maricopa County Arizona 1,191 $ 394,385,000 $ 331,000 $ 134,000
Orange County California 652 $ 321,900,000 $ 493,000 $ 167,000
San Diego County California 448 $ 187,500,000 $ 418,000 $ 143,000
Riverside County California 340 $ 109,810,000 $ 322,000 $ 127,000
San Bernardino County California 284 $ 88,920,000 $ 313,000 $ 118,000
Clark County Nevada 246 $ 72,280,000 $ 293,000 $ 110,000
Sacramento County California 238 $ 67,120,000 $ 282,000 $ 115,000
Santa Clara County California 195 $ 99,715,000 $ 511,000 $ 183,000
Alameda County California 177 $ 83,395,000 $ 471,000 $ 180,000
Contra Costa County California 164 $ 75,640,000 $ 461,000 $ 164,000
Ventura County California 154 $ 68,280,000 $ 443,000 $ 156,000
Dallas County Texas 148 $ 75,250,000 $ 508,000 $ 208,000
Tarrant County Texas 146 $ 51,040,000 $ 349,000 $ 183,000
Middlesex County Massachusetts 133 $ 48,885,000 $ 367,000 $ 154,000
Pima County Arizona 118 $ 28,440,000 $ 241,000 $ 99,000
Fresno County California 108 $ 27,490,000 $ 254,000 $ 101,000
Kern County California 103 $ 26,175,000 $ 254,000 $ 101,000
San Joaquin County California 94 $ 31,760,000 $ 337,000 $ 128,000
Harris County Texas 92 $ 33,550,000 $ 364,000 $ 165,000
Placer County California 89 $ 28,305,000 $ 318,000 $ 124,000
Norfolk County Massachusetts 73 $ 27,625,000 $ 378,000 $ 164,000
King County Washington 73 $ 30,005,000 $ 411,000 $ 150,000
Fairfield County Connecticut 69 $ 24,935,000 $ 361,000 $ 166,000
Hartford County Connecticut 66 $ 16,620,000 $ 251,000 $ 118,000
San Francisco County California 65 $ 37,735,000 $ 580,000 $ 196,000
Pinal County Arizona 61 $ 16,845,000 $ 276,000 $ 93,000
Washoe County Nevada 60 $ 18,570,000 $ 309,000 $ 150,000
Wake County North Carolina 60 $ 15,960,000 $ 266,000 $ 140,000
Sonoma County California 59 $ 22,975,000 $ 389,000 $ 143,000
Essex County Massachusetts 55 $ 20,465,000 $ 372,000 $ 161,000
San Luis Obispo County California 53 $ 20,815,000 $ 392,000 $ 149,000
San Mateo County California 53 $ 31,065,000 $ 586,000 $ 205,000
Worcester County Massachusetts 51 $ 14,275,000 $ 279,000 $ 136,000
El Dorado County California 50 $ 17,500,000 $ 350,000 $ 131,000
Oklahoma County Oklahoma 47 $ 9,655,000 $ 205,000 $ 132,000
Denton County Texas 47 $ 14,025,000 $ 298,000 $ 152,000
Stanislaus County California 46 $ 12,350,000 $ 268,000 $ 104,000
New Haven County Connecticut 46 $ 10,360,000 $ 225,000 $ 124,000
Salt Lake County Utah 46 $ 13,540,000 $ 294,000 $ 115,000
Collin County Texas 45 $ 14,695,000 $ 326,000 $ 141,000
Ada County Idaho 42 $ 14,730,000 $ 350,000 $ 120,000
Williamson County Tennessee 42 $ 17,150,000 $ 408,000 $ 147,000
Santa Barbara County California 41 $ 19,975,000 $ 487,000 $ 158,000
Plymouth County Massachusetts 41 $ 12,765,000 $ 311,000 $ 127,000
Fairfax County Virginia 40 $ 16,950,000 $ 423,000 $ 182,000
Solano County California 38 $ 13,120,000 $ 345,000 $ 143,000
Travis County Texas 36 $ 12,150,000 $ 337,000 $ 165,000
Yavapai County Arizona 35 $ 11,315,000 $ 323,000 $ 100,000
Tulare County California 35 $ 8,835,000 $ 252,000 $ 136,000
Williamson County Texas 33 $ 8,695,000 $ 263,000 $ 133,000
Loudoun County Virginia 33 $ 14,815,000 $ 448,000 $ 166,000
Nevada County California 32 $ 11,100,000 $ 346,000 $ 129,000
Marin County California 31 $ 14,175,000 $ 457,000 $ 155,000
Santa Cruz County California 31 $ 13,645,000 $ 440,000 $ 134,000
Davidson County Tennessee 31 $ 9,285,000 $ 299,000 $ 109,000
Monterey County California 30 $ 9,620,000 $ 320,000 $ 118,000
Hillsborough County Florida 30 $ 6,840,000 $ 228,000 $ 97,000
Utah County Utah 30 $ 9,290,000 $ 309,000 $ 158,000
Bristol County Massachusetts 29 $ 8,515,000 $ 293,000 $ 156,000
Multnomah County Oregon 29 $ 8,615,000 $ 297,000 $ 119,000
Bexar County Texas 28 $ 6,510,000 $ 232,000 $ 136,000
Fort Bend County Texas 28 $ 7,790,000 $ 278,000 $ 147,000
Mohave County Arizona 27 $ 7,005,000 $ 259,000 $ 105,000
Jefferson County Colorado 27 $ 8,825,000 $ 326,000 $ 120,000
Suffolk County Massachusetts 26 $ 11,710,000 $ 450,000 $ 169,000
Montgomery County Maryland 25 $ 10,305,000 $ 412,000 $ 156,000
Hennepin County Minnesota 25 $ 6,135,000 $ 245,000 $ 141,000
Butte County California 24 $ 5,560,000 $ 231,000 $ 85,000
Yolo County California 23 $ 7,575,000 $ 329,000 $ 123,000
Montgomery County Texas 23 $ 6,815,000 $ 296,000 $ 135,000
Snohomish County Washington 23 $ 8,575,000 $ 372,000 $ 127,000
Mecklenburg County North Carolina 22 $ 5,270,000 $ 239,000 $ 127,000
Cleveland County Oklahoma 22 $ 4,750,000 $ 215,000 $ 117,000
Coconino County Arizona 21 $ 6,435,000 $ 306,000 $ 160,000
Bernalillo County New Mexico 21 $ 3,935,000 $ 187,000 $ 111,000
Montgomery County Pennsylvania 21 $ 5,205,000 $ 247,000 $ 121,000
Gwinnett County Georgia 20 $ 3,680,000 $ 184,000 $ 99,000
Hamilton County Indiana 20 $ 4,960,000 $ 248,000 $ 165,000
Washington County Oregon 20 $ 5,670,000 $ 283,000 $ 117,000
Rutherford County Tennessee 20 $ 4,920,000 $ 246,000 $ 101,000
Shelby County Tennessee 20 $ 4,420,000 $ 221,000 $ 110,000
Davis County Utah 20 $ 5,170,000 $ 258,000 $ 95,000
Tulsa County Oklahoma 19 $ 3,825,000 $ 201,000 $ 103,000
Clark County Washington 19 $ 5,455,000 $ 287,000 $ 134,000
Shasta County California 18 $ 4,220,000 $ 234,000 $ 85,000
Broward County Florida 18 $ 4,520,000 $ 251,000 $ 133,000
Frederick County Maryland 18 $ 4,600,000 $ 255,000 $ 129,000
Barnstable County Massachusetts 18 $ 5,310,000 $ 295,000 $ 168,000
Hampden County Massachusetts 18 $ 3,970,000 $ 220,000 $ 111,000
Spokane County Washington 18 $ 4,770,000 $ 265,000 $ 132,000
Duval County Florida 17 $ 3,815,000 $ 224,000 $ 105,000
Fulton County Georgia 17 $ 6,045,000 $ 355,000 $ 158,000
Baltimore County Maryland 17 $ 4,155,000 $ 244,000 $ 107,000
Waukesha County Wisconsin 17 $ 5,035,000 $ 296,000 $ 117,000
Miami-Dade County Florida 16 $ 5,040,000 $ 315,000 $ 153,000
Anne Arundel County Maryland 16 $ 5,110,000 $ 319,000 $ 154,000
Parker County Texas 16 $ 5,330,000 $ 333,000 $ 118,000
Pierce County Washington 16 $ 4,560,000 $ 285,000 $ 99,000
Palm Beach County Florida 15 $ 4,655,000 $ 310,000 $ 111,000
Pinellas County Florida 15 $ 3,795,000 $ 253,000 $ 99,000
Prince George's County Maryland 15 $ 5,375,000 $ 358,000 $ 123,000
Allegheny County Pennsylvania 15 $ 2,385,000 $ 159,000 $ 89,000
Washington County Utah 15 $ 4,965,000 $ 331,000 $ 151,000
Milwaukee County Wisconsin 15 $ 2,435,000 $ 162,000 $ 108,000
Seminole County Florida 14 $ 2,930,000 $ 209,000 $ 161,000
Burlington County New Jersey 14 $ 2,620,000 $ 187,000 $ 109,000
Clackamas County Oregon 14 $ 3,880,000 $ 277,000 $ 139,000
Navajo County Arizona 13 $ 4,185,000 $ 321,000 $ 178,000
Merced County California 13 $ 3,035,000 $ 233,000 $ 148,000
Middlesex County Connecticut 13 $ 2,735,000 $ 210,000 $ 109,000
New London County Connecticut 13 $ 3,675,000 $ 282,000 $ 141,000
Marion County Indiana 13 $ 2,245,000 $ 172,000 $ 97,000
Bergen County New Jersey 13 $ 6,055,000 $ 465,000 $ 174,000
Prince William County Virginia 13 $ 4,545,000 $ 349,000 $ 133,000
Madera County California 12 $ 2,580,000 $ 215,000 $ 160,000
Denver County Colorado 12 $ 5,880,000 $ 490,000 $ 213,000
El Paso County Colorado 12 $ 3,240,000 $ 270,000 $ 82,000
Tolland County Connecticut 12 $ 1,980,000 $ 165,000 $ 84,000
Oakland County Michigan 12 $ 2,940,000 $ 245,000 $ 128,000
Bucks County Pennsylvania 12 $ 3,570,000 $ 297,000 $ 114,000
Weber County Utah 12 $ 3,650,000 $ 304,000 $ 109,000
Chesterfield County Virginia 12 $ 3,290,000 $ 274,000 $ 114,000
Arapahoe County Colorado 11 $ 3,635,000 $ 330,000 $ 111,000
Douglas County Colorado 11 $ 3,985,000 $ 362,000 $ 142,000
Howard County Maryland 11 $ 3,165,000 $ 287,000 $ 140,000
Essex County New Jersey 11 $ 3,455,000 $ 314,000 $ 146,000
Union County North Carolina 11 $ 2,885,000 $ 262,000 $ 139,000
El Paso County Texas 11 $ 1,885,000 $ 171,000 $ 97,000
Thurston County Washington 11 $ 2,255,000 $ 205,000 $ 109,000
Imperial County California 10 $ 2,040,000 $ 204,000 $ 89,000
Adams County Colorado 10 $ 2,890,000 $ 289,000 $ 107,000
Litchfield County Connecticut 10 $ 2,800,000 $ 280,000 $ 121,000
Cobb County Georgia 10 $ 2,010,000 $ 201,000 $ 154,000
Hampshire County Massachusetts 10 $ 2,850,000 $ 285,000 $ 133,000
Buncombe County North Carolina 10 $ 2,700,000 $ 270,000 $ 104,000
Guilford County North Carolina 10 $ 1,890,000 $ 189,000 $ 106,000
Deschutes County Oregon 10 $ 3,100,000 $ 310,000 $ 90,000
Chester County Pennsylvania 10 $ 2,940,000 $ 294,000 $ 155,000
Delaware County Pennsylvania 10 $ 2,360,000 $ 236,000 $ 152,000
Hamilton County Tennessee 10 $ 1,860,000 $ 186,000 $ 89,000
Alexandria County Virginia 10 $ 4,520,000 $ 452,000 $ 292,000
Henrico County Virginia 10 $ 2,400,000 $ 240,000 $ 115,000
Yuma County Arizona 9 $ 1,655,000 $ 183,000 $ 92,000
Humboldt County California 9 $ 2,085,000 $ 231,000 $ 95,000
Tuolumne County California 9 $ 2,015,000 $ 223,000 $ 101,000
Larimer County Colorado 9 $ 2,375,000 $ 263,000 $ 129,000
Brevard County Florida 9 $ 1,825,000 $ 202,000 $ 61,000
Orange County Florida 9 $ 2,215,000 $ 246,000 $ 99,000
Volusia County Florida 9 $ 2,295,000 $ 255,000 $ 96,000
DeKalb County Georgia 9 $ 1,815,000 $ 201,000 $ 82,000
Wayne County Michigan 9 $ 1,775,000 $ 197,000 $ 92,000
Anoka County Minnesota 9 $ 1,715,000 $ 190,000 $ 85,000
Camden County New Jersey 9 $ 1,805,000 $ 200,000 $ 133,000
Middlesex County New Jersey 9 $ 2,395,000 $ 266,000 $ 131,000
Union County New Jersey 9 $ 3,025,000 $ 336,000 $ 130,000
Bell County Texas 9 $ 2,035,000 $ 226,000 $ 92,000
Arlington County Virginia 9 $ 5,495,000 $ 610,000 $ 167,000
Kitsap County Washington 9 $ 2,535,000 $ 281,000 $ 91,000
Dane County Wisconsin 9 $ 2,415,000 $ 268,000 $ 135,000
Napa County California 8 $ 4,180,000 $ 522,000 $ 193,000
Tehama County California 8 $ 2,240,000 $ 280,000 $ 106,000
Boulder County Colorado 8 $ 2,170,000 $ 271,000 $ 106,000
Windham County Connecticut 8 $ 1,710,000 $ 213,000 $ 91,000
Lee County Florida 8 $ 1,300,000 $ 162,000 $ 73,000
Polk County Florida 8 $ 1,540,000 $ 192,000 $ 67,000
Forsyth County Georgia 8 $ 2,200,000 $ 275,000 $ 131,000
Carson City County Nevada 8 $ 2,640,000 $ 330,000 $ 114,000
Cabarrus County North Carolina 8 $ 2,070,000 $ 258,000 $ 108,000
Lane County Oregon 8 $ 1,920,000 $ 240,000 $ 145,000
Philadelphia County Pennsylvania 8 $ 1,440,000 $ 180,000 $ 83,000
Knox County Tennessee 8 $ 1,710,000 $ 213,000 $ 82,000
Virginia Beach County Virginia 8 $ 1,870,000 $ 233,000 $ 136,000
Gila County Arizona 7 $ 2,115,000 $ 302,000 $ 101,000
District of Columbia County District Of Columbia 7 $ 2,955,000 $ 422,000 $ 143,000
Pasco County Florida 7 $ 1,465,000 $ 209,000 $ 108,000
Canyon County Idaho 7 $ 1,415,000 $ 202,000 $ 67,000
Kootenai County Idaho 7 $ 1,595,000 $ 227,000 $ 50,000
Cook County Illinois 7 $ 2,025,000 $ 289,000 $ 124,000
Lake County Indiana 7 $ 1,265,000 $ 180,000 $ 95,000
Ocean County New Jersey 7 $ 1,625,000 $ 232,000 $ 77,000
Delaware County Ohio 7 $ 1,905,000 $ 272,000 $ 116,000
Logan County Oklahoma 7 $ 1,325,000 $ 189,000 $ 84,000
Amador County California 6 $ 1,230,000 $ 205,000 $ 153,000
Calaveras County California 6 $ 1,570,000 $ 261,000 $ 114,000
Kings County California 6 $ 1,640,000 $ 273,000 $ 99,000
Lake County California 6 $ 1,240,000 $ 206,000 $ 106,000
San Benito County California 6 $ 2,170,000 $ 361,000 $ 123,000
Mesa County Colorado 6 $ 1,220,000 $ 203,000 $ 63,000
Okaloosa County Florida 6 $ 1,740,000 $ 290,000 $ 116,000
Osceola County Florida 6 $ 1,070,000 $ 178,000 $ 96,000
Sarasota County Florida 6 $ 1,270,000 $ 211,000 $ 108,000
Honolulu County Hawaii 6 $ 1,600,000 $ 266,000 $ 169,000
Berkshire County Massachusetts 6 $ 1,290,000 $ 215,000 $ 103,000
Macomb County Michigan 6 $ 960,000 $ 160,000 $ 120,000
Douglas County Nevada 6 $ 1,630,000 $ 271,000 $ 83,000
Morris County New Jersey 6 $ 1,540,000 $ 256,000 $ 187,000
Somerset County New Jersey 6 $ 1,220,000 $ 203,000 $ 131,000
Rogers County Oklahoma 6 $ 1,390,000 $ 231,000 $ 123,000
Marion County Oregon 6 $ 1,530,000 $ 255,000 $ 148,000
Lancaster County Pennsylvania 6 $ 1,260,000 $ 210,000 $ 93,000
York County Pennsylvania 6 $ 1,260,000 $ 210,000 $ 115,000
Charleston County South Carolina 6 $ 1,850,000 $ 308,000 $ 80,000
Sumner County Tennessee 6 $ 1,400,000 $ 233,000 $ 85,000
Galveston County Texas 6 $ 1,390,000 $ 231,000 $ 139,000
Hays County Texas 6 $ 1,780,000 $ 296,000 $ 96,000
Kaufman County Texas 6 $ 1,630,000 $ 271,000 $ 120,000
Richmond City County Virginia 6 $ 1,290,000 $ 215,000 $ 124,000
Cochise County Arizona 5 $ 975,000 $ 195,000 $ 134,000
Clay County Florida 5 $ 1,665,000 $ 333,000 $ 85,000
Cherokee County Georgia 5 $ 1,055,000 $ 211,000 $ 79,000
Porter County Indiana 5 $ 995,000 $ 199,000 $ 70,000
St. Joseph County Indiana 5 $ 785,000 $ 157,000 $ 92,000
Livingston County Michigan 5 $ 1,225,000 $ 245,000 $ 125,000
Ramsey County Minnesota 5 $ 1,035,000 $ 207,000 $ 100,000
Washington County Minnesota 5 $ 955,000 $ 191,000 $ 109,000
Hudson County New Jersey 5 $ 1,265,000 $ 253,000 $ 154,000
Monmouth County New Jersey 5 $ 1,475,000 $ 295,000 $ 104,000
Dona Ana County New Mexico 5 $ 745,000 $ 149,000 $ 67,000
Comal County Texas 5 $ 1,075,000 $ 215,000 $ 96,000
Johnson County Texas 5 $ 965,000 $ 193,000 $ 150,000
Nueces County Texas 5 $ 1,475,000 $ 295,000 $ 112,000
Spotsylvania County Virginia 5 $ 1,385,000 $ 277,000 $ 103,000
Benton County Washington 5 $ 1,105,000 $ 221,000 $ 107,000
Lassen County California 4 $ 830,000 $ 207,000 $ 52,000
Yuba County California 4 $ 740,000 $ 185,000 $ 94,000
Summit County Colorado 4 $ 1,520,000 $ 380,000 $ 236,000
Collier County Florida 4 $ 760,000 $ 190,000 $ 207,000
Hernando County Florida 4 $ 850,000 $ 212,000 $ 56,000
Marion County Florida 4 $ 1,260,000 $ 315,000 $ 125,000
Jackson County Georgia 4 $ 570,000 $ 142,000 $ 55,000
Paulding County Georgia 4 $ 640,000 $ 160,000 $ 62,000
Valley County Idaho 4 $ 1,520,000 $ 380,000 $ 223,000
Allen County Indiana 4 $ 770,000 $ 192,000 $ 63,000
Carver County Minnesota 4 $ 2,140,000 $ 535,000 $ 129,000
Chisago County Minnesota 4 $ 740,000 $ 185,000 $ 66,000
Rankin County Mississippi 4 $ 1,140,000 $ 285,000 $ 110,000
Passaic County New Jersey 4 $ 1,500,000 $ 375,000 $ 143,000
Santa Fe County New Mexico 4 $ 1,170,000 $ 292,000 $ 66,000
Catawba County North Carolina 4 $ 1,460,000 $ 365,000 $ 140,000
Forsyth County North Carolina 4 $ 740,000 $ 185,000 $ 103,000
Franklin County Ohio 4 $ 1,140,000 $ 285,000 $ 157,000
Canadian County Oklahoma 4 $ 770,000 $ 192,000 $ 72,000
Wagoner County Oklahoma 4 $ 810,000 $ 202,000 $ 75,000
Josephine County Oregon 4 $ 730,000 $ 182,000 $ 542,000
Greenville County South Carolina 4 $ 900,000 $ 225,000 $ 75,000
Brazos County Texas 4 $ 820,000 $ 205,000 $ 91,000
Ellis County Texas 4 $ 1,070,000 $ 267,000 $ 114,000
Hill County Texas 4 $ 660,000 $ 165,000 $ 136,000
Hood County Texas 4 $ 1,050,000 $ 262,000 $ 240,000
Rockwall County Texas 4 $ 1,120,000 $ 280,000 $ 83,000
Smith County Texas 4 $ 630,000 $ 157,000 $ 102,000
Cache County Utah 4 $ 950,000 $ 237,000 $ 88,000
Iron County Utah 4 $ 880,000 $ 220,000 $ 108,000
Chesapeake County Virginia 4 $ 920,000 $ 230,000 $ 119,000
Roanoke County Virginia 4 $ 540,000 $ 135,000 $ 84,000
Franklin County Washington 4 $ 1,320,000 $ 330,000 $ 108,000
Whatcom County Washington 4 $ 1,750,000 $ 437,000 $ 150,000
Yakima County Washington 4 $ 620,000 $ 155,000 $ 129,000
Racine County Wisconsin 4 $ 890,000 $ 222,000 $ 80,000
Washington County Wisconsin 4 $ 780,000 $ 195,000 $ 116,000
Mendocino County California 3 $ 875,000 $ 291,000 $ 90,000
Siskiyou County California 3 $ 705,000 $ 235,000 $ 305,000
Sutter County California 3 $ 785,000 $ 261,000 $ 117,000
Eagle County Colorado 3 $ 1,855,000 $ 618,000 $ 399,000
Hinsdale County Colorado 3 $ 855,000 $ 285,000 $ 57,000
Weld County Colorado 3 $ 785,000 $ 261,000 $ 129,000
Bay County Florida 3 $ 645,000 $ 215,000 $ 101,000
Escambia County Florida 3 $ 525,000 $ 175,000 $ 89,000
Lake County Florida 3 $ 785,000 $ 261,000 $ 150,000
Chatham County Georgia 3 $ 295,000 $ 98,000 $ 83,000
Houston County Georgia 3 $ 425,000 $ 141,000 $ 104,000
Newton County Georgia 3 $ 415,000 $ 138,000 $ 67,000
Madison County Idaho 3 $ 535,000 $ 178,000 $ 365,000
Twin Falls County Idaho 3 $ 875,000 $ 291,000 $ 82,000
Baltimore City County Maryland 3 $ 365,000 $ 121,000 $ 69,000
Washington County Maryland 3 $ 405,000 $ 135,000 $ 79,000
Wicomico County Maryland 3 $ 465,000 $ 155,000 $ 81,000
Grand Traverse County Michigan 3 $ 695,000 $ 231,000 $ 59,000
Washtenaw County Michigan 3 $ 575,000 $ 191,000 $ 65,000
Dakota County Minnesota 3 $ 795,000 $ 265,000 $ 199,000
Scott County Minnesota 3 $ 675,000 $ 225,000 $ 107,000
St. Louis County Minnesota 3 $ 1,105,000 $ 368,000 $ 78,000
Lyon County Nevada 3 $ 905,000 $ 301,000 $ 68,000
Gloucester County New Jersey 3 $ 585,000 $ 195,000 $ 123,000
Mercer County New Jersey 3 $ 605,000 $ 201,000 $ 109,000
Sussex County New Jersey 3 $ 695,000 $ 231,000 $ 95,000
Durham County North Carolina 3 $ 525,000 $ 175,000 $ 115,000
Iredell County North Carolina 3 $ 555,000 $ 185,000 $ 72,000
Lincoln County North Carolina 3 $ 675,000 $ 225,000 $ 115,000
New Hanover County North Carolina 3 $ 905,000 $ 301,000 $ 135,000
Pottawatomie County Oklahoma 3 $ 575,000 $ 191,000 $ 99,000
Benton County Oregon 3 $ 485,000 $ 161,000 $ 76,000
Jackson County Oregon 3 $ 845,000 $ 281,000 $ 69,000
Dorchester County South Carolina 3 $ 705,000 $ 235,000 $ 62,000
Lancaster County South Carolina 3 $ 685,000 $ 228,000 $ 94,000
Lexington County South Carolina 3 $ 515,000 $ 171,000 $ 122,000
Maury County Tennessee 3 $ 1,075,000 $ 358,000 $ 105,000
Montgomery County Tennessee 3 $ 615,000 $ 205,000 $ 63,000
Roane County Tennessee 3 $ 875,000 $ 291,000 $ 125,000
Washington County Tennessee 3 $ 565,000 $ 188,000 $ 112,000
Wilson County Tennessee 3 $ 615,000 $ 205,000 $ 101,000
Brazoria County Texas 3 $ 615,000 $ 205,000 $ 83,000
Grayson County Texas 3 $ 1,635,000 $ 545,000 $ 174,000
Gregg County Texas 3 $ 505,000 $ 168,000 $ 47,000
Guadalupe County Texas 3 $ 495,000 $ 165,000 $ 59,000
Henderson County Texas 3 $ 2,045,000 $ 681,000 $ 226,000
Hidalgo County Texas 3 $ 505,000 $ 168,000 $ 28,000
Lubbock County Texas 3 $ 555,000 $ 185,000 $ 87,000
Medina County Texas 3 $ 675,000 $ 225,000 $ 117,000
Randall County Texas 3 $ 625,000 $ 208,000 $ 130,000
Tom Green County Texas 3 $ 785,000 $ 261,000 $ 76,000
Waller County Texas 3 $ 625,000 $ 208,000 $ 108,000
Box Elder County Utah 3 $ 865,000 $ 288,000 $ 76,000
Summit County Utah 3 $ 1,595,000 $ 531,000 $ 109,000
Wasatch County Utah 3 $ 1,365,000 $ 455,000 $ 234,000
Albemarle County Virginia 3 $ 885,000 $ 295,000 $ 76,000
Montgomery County Virginia 3 $ 505,000 $ 168,000 $ 90,000
Roanoke City County Virginia 3 $ 665,000 $ 221,000 $ 176,000
Stafford County Virginia 3 $ 905,000 $ 301,000 $ 89,000
Chelan County Washington 3 $ 595,000 $ 198,000 $ 373,000
Clallam County Washington 3 $ 515,000 $ 171,000 $ 94,000
Pacific County Washington 3 $ 635,000 $ 211,000 $ 177,000
Stevens County Washington 3 $ 405,000 $ 135,000 $ 49,000
Brown County Wisconsin 3 $ 535,000 $ 178,000 $ 102,000
Eau Claire County Wisconsin 3 $ 685,000 $ 228,000 $ 113,000
Outagamie County Wisconsin 3 $ 555,000 $ 185,000 $ 176,000
Baldwin County Alabama 2 $ 550,000 $ 275,000 $ 69,000
Apache County Arizona 2 $ 610,000 $ 305,000 $ 201,000
Mono County California 2 $ 800,000 $ 400,000 $ 139,000
Plumas County California 2 $ 510,000 $ 255,000 $ 70,000
La Plata County Colorado 2 $ 580,000 $ 290,000 $ 118,000
Montrose County Colorado 2 $ 830,000 $ 415,000 $ 113,000
Pueblo County Colorado 2 $ 350,000 $ 175,000 $ 36,000
New Castle County Delaware 2 $ 670,000 $ 335,000 $ 128,000
Alachua County Florida 2 $ 310,000 $ 155,000 $ 62,000
Flagler County Florida 2 $ 450,000 $ 225,000 $ 72,000
Leon County Florida 2 $ 600,000 $ 300,000 $ 70,000
Santa Rosa County Florida 2 $ 540,000 $ 270,000 $ 127,000
St. Johns County Florida 2 $ 340,000 $ 170,000 $ 77,000
St. Lucie County Florida 2 $ 310,000 $ 155,000 $ 154,000
Coweta County Georgia 2 $ 350,000 $ 175,000 $ 75,000
Fayette County Georgia 2 $ 320,000 $ 160,000 $ 42,000
Gilmer County Georgia 2 $ 480,000 $ 240,000 $ 137,000
Gordon County Georgia 2 $ 410,000 $ 205,000 $ 73,000
Harris County Georgia 2 $ 410,000 $ 205,000 $ 109,000
Henry County Georgia 2 $ 1,160,000 $ 580,000 $ 108,000
Muscogee County Georgia 2 $ 480,000 $ 240,000 $ 57,000
Walker County Georgia 2 $ 400,000 $ 200,000 $ 101,000
Hawaii County Hawaii 2 $ 990,000 $ 495,000 $ 135,000
Kauai County Hawaii 2 $ 1,650,000 $ 825,000 $ 390,000
Boise County Idaho 2 $ 720,000 $ 360,000 $ 154,000
Bonner County Idaho 2 $ 440,000 $ 220,000 $ 61,000
Bonneville County Idaho 2 $ 520,000 $ 260,000 $ 78,000
Latah County Idaho 2 $ 330,000 $ 165,000 $ 75,000
Bartholomew County Indiana 2 $ 250,000 $ 125,000 $ 105,000
Hancock County Indiana 2 $ 380,000 $ 190,000 $ 84,000
Hendricks County Indiana 2 $ 370,000 $ 185,000 $ 145,000
Johnson County Indiana 2 $ 330,000 $ 165,000 $ 84,000
Monroe County Indiana 2 $ 240,000 $ 120,000 $ 36,000
Orleans County Louisiana 2 $ 560,000 $ 280,000 $ 133,000
Charles County Maryland 2 $ 530,000 $ 265,000 $ 82,000
Harford County Maryland 2 $ 340,000 $ 170,000 $ 158,000
Franklin County Massachusetts 2 $ 530,000 $ 265,000 $ 125,000
Eaton County Michigan 2 $ 270,000 $ 135,000 $ 55,000
Ingham County Michigan 2 $ 440,000 $ 220,000 $ 141,000
Ottawa County Michigan 2 $ 340,000 $ 170,000 $ 129,000
Otter Tail County Minnesota 2 $ 300,000 $ 150,000 $ 124,000
Madison County Mississippi 2 $ 560,000 $ 280,000 $ 129,000
Nye County Nevada 2 $ 390,000 $ 195,000 $ 130,000
Atlantic County New Jersey 2 $ 320,000 $ 160,000 $ 92,000
Cape May County New Jersey 2 $ 380,000 $ 190,000 $ 86,000
Warren County New Jersey 2 $ 480,000 $ 240,000 $ 91,000
Beaufort County North Carolina 2 $ 280,000 $ 140,000 $ 60,000
Chatham County North Carolina 2 $ 390,000 $ 195,000 $ 152,000
Cleveland County North Carolina 2 $ 530,000 $ 265,000 $ 117,000
Franklin County North Carolina 2 $ 590,000 $ 295,000 $ 41,000
Henderson County North Carolina 2 $ 580,000 $ 290,000 $ 75,000
Orange County North Carolina 2 $ 330,000 $ 165,000 $ 81,000
Pasquotank County North Carolina 2 $ 220,000 $ 110,000 $ 77,000
Polk County North Carolina 2 $ 390,000 $ 195,000 $ 62,000
Grady County Oklahoma 2 $ 450,000 $ 225,000 $ 118,000
Columbia County Oregon 2 $ 540,000 $ 270,000 $ 124,000
Curry County Oregon 2 $ 450,000 $ 225,000 $ 50,000
Hood River County Oregon 2 $ 540,000 $ 270,000 $ 184,000
Lincoln County Oregon 2 $ 380,000 $ 190,000 $ 158,000
Linn County Oregon 2 $ 640,000 $ 320,000 $ 78,000
Berks County Pennsylvania 2 $ 280,000 $ 140,000 $ 126,000
Cumberland County Pennsylvania 2 $ 500,000 $ 250,000 $ 68,000
Lehigh County Pennsylvania 2 $ 310,000 $ 155,000 $ 114,000
Northampton County Pennsylvania 2 $ 290,000 $ 145,000 $ 55,000
Westmoreland County Pennsylvania 2 $ 570,000 $ 285,000 $ 163,000
Horry County South Carolina 2 $ 340,000 $ 170,000 $ 80,000
Cumberland County Tennessee 2 $ 210,000 $ 105,000 $ 39,000
Loudon County Tennessee 2 $ 410,000 $ 205,000 $ 78,000
Rhea County Tennessee 2 $ 550,000 $ 275,000 $ 120,000
Robertson County Tennessee 2 $ 510,000 $ 255,000 $ 90,000
Sevier County Tennessee 2 $ 300,000 $ 150,000 $ 206,000
Sullivan County Tennessee 2 $ 260,000 $ 130,000 $ 53,000
Cameron County Texas 2 $ 370,000 $ 185,000 $ 82,000
Franklin County Texas 2 $ 1,040,000 $ 520,000 $ 585,000
Harrison County Texas 2 $ 470,000 $ 235,000 $ 87,000
Jefferson County Texas 2 $ 510,000 $ 255,000 $ 116,000
Nacogdoches County Texas 2 $ 520,000 $ 260,000 $ 117,000
Presidio County Texas 2 $ 590,000 $ 295,000 $ 232,000
Tooele County Utah 2 $ 410,000 $ 205,000 $ 71,000
Bedford County Virginia 2 $ 510,000 $ 255,000 $ 30,000
Newport News County Virginia 2 $ 340,000 $ 170,000 $ 88,000
Norfolk County Virginia 2 $ 1,030,000 $ 515,000 $ 108,000
Rockingham County Virginia 2 $ 720,000 $ 360,000 $ 91,000
Suffolk County Virginia 2 $ 310,000 $ 155,000 $ 80,000
York County Virginia 2 $ 500,000 $ 250,000 $ 68,000
Douglas County Washington 2 $ 840,000 $ 420,000 $ 107,000
Lewis County Washington 2 $ 390,000 $ 195,000 $ 91,000
Fond du Lac County Wisconsin 2 $ 350,000 $ 175,000 $ 182,000
Kenosha County Wisconsin 2 $ 640,000 $ 320,000 $ 200,000
Rock County Wisconsin 2 $ 210,000 $ 105,000 $ 69,000
St. Croix County Wisconsin 2 $ 520,000 $ 260,000 $ 74,000
Walworth County Wisconsin 2 $ 500,000 $ 250,000 $ 116,000
Winnebago County Wisconsin 2 $ 250,000 $ 125,000 $ 106,000
Elmore County Alabama 1 $ 85,000 $ 85,000 $ 263,000
Limestone County Alabama 1 $ 205,000 $ 205,000 $ 306,000
Tuscaloosa County Alabama 1 $ 325,000 $ 325,000 $ 47,000
La Paz County Arizona 1 $ 285,000 $ 285,000 $ 130,000
Santa Cruz County Arizona 1 $ 225,000 $ 225,000 $ 42,000
Alpine County California 1 $ 295,000 $ 295,000 $ 95,000
Del Norte County California 1 $ 105,000 $ 105,000 $ 59,000
Mariposa County California 1 $ 155,000 $ 155,000 $ 70,000
Archuleta County Colorado 1 $ 545,000 $ 545,000 $ 229,000
Broomfield County Colorado 1 $ 545,000 $ 545,000 $ 137,000
Elbert County Colorado 1 $ 145,000 $ 145,000 $ 47,000
Huerfano County Colorado 1 $ 175,000 $ 175,000 $ 33,000
Park County Colorado 1 $ 425,000 $ 425,000 $ 0
Hendry County Florida 1 $ 145,000 $ 145,000 $ 37,000
Manatee County Florida 1 $ 1,045,000 $ 1,045,000 $ 480,000
Martin County Florida 1 $ 375,000 $ 375,000 $ 74,000
Sumter County Florida 1 $ 125,000 $ 125,000 $ 76,000
Walton County Florida 1 $ 235,000 $ 235,000 $ 0
Barrow County Georgia 1 $ 155,000 $ 155,000 $ 47,000
Bartow County Georgia 1 $ 145,000 $ 145,000 $ 60,000
Bryan County Georgia 1 $ 125,000 $ 125,000 $ 120,000
Carroll County Georgia 1 $ 245,000 $ 245,000 $ 63,000
Coffee County Georgia 1 $ 115,000 $ 115,000 $ 0
Douglas County Georgia 1 $ 185,000 $ 185,000 $ 35,000
Effingham County Georgia 1 $ 195,000 $ 195,000 $ 120,000
Glynn County Georgia 1 $ 195,000 $ 195,000 $ 263,000
Habersham County Georgia 1 $ 215,000 $ 215,000 $ 60,000
Hall County Georgia 1 $ 125,000 $ 125,000 $ 43,000
Haralson County Georgia 1 $ 85,000 $ 85,000 $ 90,000
Hart County Georgia 1 $ 135,000 $ 135,000 $ 41,000
Lamar County Georgia 1 $ 145,000 $ 145,000 $ 51,000
Oconee County Georgia 1 $ 375,000 $ 375,000 $ 140,000
Polk County Georgia 1 $ 145,000 $ 145,000 $ 58,000
Rockdale County Georgia 1 $ 205,000 $ 205,000 $ 54,000
Spalding County Georgia 1 $ 95,000 $ 95,000 $ 109,000
Towns County Georgia 1 $ 135,000 $ 135,000 $ 215,000
Whitfield County Georgia 1 $ 165,000 $ 165,000 $ 81,000
Maui County Hawaii 1 $ 375,000 $ 375,000 $ 95,000
Bannock County Idaho 1 $ 115,000 $ 115,000 $ 51,000
Bear Lake County Idaho 1 $ 95,000 $ 95,000 $ 68,000
Bingham County Idaho 1 $ 245,000 $ 245,000 $ 100,000
Fremont County Idaho 1 $ 255,000 $ 255,000 $ 143,000
Minidoka County Idaho 1 $ 105,000 $ 105,000 $ 37,000
Nez Perce County Idaho 1 $ 225,000 $ 225,000 $ 115,000
DuPage County Illinois 1 $ 205,000 $ 205,000 $ 92,000
Kane County Illinois 1 $ 275,000 $ 275,000 $ 97,000
Lake County Illinois 1 $ 185,000 $ 185,000 $ 145,000
Madison County Illinois 1 $ 215,000 $ 215,000 $ 171,000
Boone County Indiana 1 $ 795,000 $ 795,000 $ 294,000
Cass County Indiana 1 $ 185,000 $ 185,000 $ 100,000
DeKalb County Indiana 1 $ 175,000 $ 175,000 $ 71,000
Floyd County Indiana 1 $ 125,000 $ 125,000 $ 58,000
Franklin County Indiana 1 $ 175,000 $ 175,000 $ 107,000
Henry County Indiana 1 $ 135,000 $ 135,000 $ 105,000
Howard County Indiana 1 $ 155,000 $ 155,000 $ 100,000
LaPorte County Indiana 1 $ 155,000 $ 155,000 $ 151,000
Putnam County Indiana 1 $ 205,000 $ 205,000 $ 58,000
Steuben County Indiana 1 $ 215,000 $ 215,000 $ 75,000
Tippecanoe County Indiana 1 $ 105,000 $ 105,000 $ 40,000
Warrick County Indiana 1 $ 205,000 $ 205,000 $ 112,000
Shelby County Kentucky 1 $ 195,000 $ 195,000 $ 74,000
Acadia County Louisiana 1 $ 85,000 $ 85,000 $ 44,000
Jefferson County Louisiana 1 $ 295,000 $ 295,000 $ 0
St. Tammany County Louisiana 1 $ 285,000 $ 285,000 $ 0
Tangipahoa County Louisiana 1 $ 245,000 $ 245,000 $ 112,000
Calvert County Maryland 1 $ 605,000 $ 605,000 $ 339,000
Carroll County Maryland 1 $ 245,000 $ 245,000 $ 111,000
Cecil County Maryland 1 $ 385,000 $ 385,000 $ 80,000
Garrett County Maryland 1 $ 225,000 $ 225,000 $ 362,000
St. Mary's County Maryland 1 $ 305,000 $ 305,000 $ 74,000
Dukes County Massachusetts 1 $ 725,000 $ 725,000 $ 247,000
Antrim County Michigan 1 $ 275,000 $ 275,000 $ 249,000
Genesee County Michigan 1 $ 205,000 $ 205,000 $ 155,000
Kent County Michigan 1 $ 165,000 $ 165,000 $ 99,000
Lapeer County Michigan 1 $ 115,000 $ 115,000 $ 45,000
Leelanau County Michigan 1 $ 275,000 $ 275,000 $ 211,000
Lenawee County Michigan 1 $ 265,000 $ 265,000 $ 141,000
Mason County Michigan 1 $ 345,000 $ 345,000 $ 59,000
Muskegon County Michigan 1 $ 105,000 $ 105,000 $ 23,000
St. Clair County Michigan 1 $ 195,000 $ 195,000 $ 131,000
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Mortgage Loan Application Detail Totals for Watermark Capital, Inc. in 2021

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 6,441 $2,154,645,000 $334,000 $3,045,000 $137,000 $1,377,000
Cash-out Refinancing 2,607 $893,435,000 $342,000 $2,605,000 $126,000 $2,312,000
Home Purchase 1,337 $651,315,000 $487,000 $3,725,000 $181,000 $8,013,000
Home Improvement 470 $160,760,000 $342,000 $1,285,000 $123,000 $651,000
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 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 6,265 $2,232,715,000 $356,000 $3,725,000 $140,000 $8,013,000
Not Provided 2,167 $739,375,000 $341,000 $2,005,000 $141,000 $1,368,000
Asian 1,245 $493,255,000 $396,000 $2,665,000 $150,000 $1,134,000
Hispanic 846 $285,320,000 $337,000 $1,445,000 $112,000 $564,000
Black or African American 236 $76,720,000 $325,000 $1,445,000 $116,000 $348,000
American Indian or Alaskan Native 57 $15,655,000 $274,000 $545,000 $117,000 $318,000
Native Hawaiian or Other Pacific Islander 17 $4,895,000 $287,000 $545,000 $85,000 $161,000
Not applicable 0 $0 $0 $0 $0 $0

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) 10,454 $3,715,830,000 $355,000 $3,725,000 $141,000 $8,013,000
VA-guaranteed (Veterans Administration) 315 $116,415,000 $369,000 $1,445,000 $69,000 $358,000
FHA-insured (Federal Housing Administration) 86 $27,910,000 $324,000 $815,000 $77,000 $196,000
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 9,486 $3,324,970,000 $350,000 $3,725,000 $138,000 $8,013,000
Application Approved But Not Accepted 781 $291,815,000 $373,000 $2,505,000 $144,000 $2,312,000
Application Denied By Financial Institution 266 $112,550,000 $423,000 $2,605,000 $134,000 $1,681,000
Application Withdrawn By Applicant 266 $105,200,000 $395,000 $2,665,000 $143,000 $1,059,000
File Closed For Incompleteness 56 $25,620,000 $457,000 $3,045,000 $181,000 $982,000
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
Not applicable 10,589 $3,747,605,000 $353,000 $3,725,000 $139,000 $8,013,000
Debt-To-Income Ratio 112 $47,390,000 $423,000 $1,785,000 $97,000 $1,681,000
Other 59 $26,965,000 $457,000 $1,765,000 $182,000 $842,000
Collateral 29 $9,205,000 $317,000 $1,005,000 $122,000 $365,000
Unverifiable Information 23 $11,385,000 $495,000 $1,295,000 $182,000 $450,000
Credit History 23 $11,595,000 $504,000 $2,605,000 $143,000 $450,000
Employment History 18 $5,520,000 $306,000 $745,000 $157,000 $780,000
Insufficient Cash (Downpayment, Closing Cost) 2 $490,000 $245,000 $255,000 $74,000 $99,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Watermark Capital, Inc.'s 2021 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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