Watermark Capital, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022

Watermark Capital, Inc. 2022 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 3,240
Total Mortgage Loan Application Amount $1,378,020,000
Average Mortgage Loan Application Amount $415,000
Highest Mortgage Loan Application Amount $3,565,000
Average Applicant Income $164,000
Highest Applicant Income $2,021,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.

Mortgage Loan Application Totals for Watermark Capital, Inc. by County in 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa County Arizona 343 $ 127,785,000 $ 372,000 $ 136,000
Los Angeles County California 247 $ 161,905,000 $ 655,000 $ 208,000
Orange County California 122 $ 79,330,000 $ 650,000 $ 202,000
Clark County Nevada 97 $ 33,375,000 $ 344,000 $ 133,000
Harris County Texas 96 $ 44,500,000 $ 463,000 $ 218,000
Riverside County California 85 $ 37,225,000 $ 437,000 $ 165,000
San Diego County California 79 $ 45,265,000 $ 572,000 $ 187,000
Tarrant County Texas 65 $ 27,795,000 $ 427,000 $ 237,000
Dallas County Texas 63 $ 36,375,000 $ 577,000 $ 246,000
Collin County Texas 51 $ 21,085,000 $ 413,000 $ 190,000
Sacramento County California 48 $ 17,570,000 $ 366,000 $ 128,000
San Bernardino County California 47 $ 18,565,000 $ 395,000 $ 161,000
Pima County Arizona 46 $ 12,910,000 $ 280,000 $ 123,000
Bexar County Texas 46 $ 10,810,000 $ 235,000 $ 129,000
Travis County Texas 45 $ 19,655,000 $ 436,000 $ 174,000
Kern County California 36 $ 11,370,000 $ 315,000 $ 142,000
Oklahoma County Oklahoma 35 $ 10,945,000 $ 312,000 $ 412,000
Denton County Texas 35 $ 13,465,000 $ 384,000 $ 164,000
Alameda County California 33 $ 23,735,000 $ 719,000 $ 189,000
Middlesex County Massachusetts 32 $ 16,750,000 $ 523,000 $ 184,000
Santa Clara County California 31 $ 28,205,000 $ 909,000 $ 249,000
Washoe County Nevada 31 $ 14,795,000 $ 477,000 $ 175,000
Fort Bend County Texas 30 $ 9,750,000 $ 325,000 $ 180,000
Fairfield County Connecticut 29 $ 17,615,000 $ 607,000 $ 254,000
Ventura County California 28 $ 17,790,000 $ 635,000 $ 224,000
Salt Lake County Utah 26 $ 13,640,000 $ 524,000 $ 177,000
Contra Costa County California 24 $ 15,060,000 $ 627,000 $ 221,000
Montgomery County Texas 24 $ 10,320,000 $ 430,000 $ 161,000
Pinal County Arizona 23 $ 6,225,000 $ 270,000 $ 104,000
San Francisco County California 23 $ 13,455,000 $ 585,000 $ 196,000
Williamson County Texas 23 $ 9,305,000 $ 404,000 $ 169,000
Hartford County Connecticut 22 $ 5,330,000 $ 242,000 $ 154,000
San Mateo County California 21 $ 17,125,000 $ 815,000 $ 249,000
Tulsa County Oklahoma 20 $ 4,130,000 $ 206,000 $ 102,000
Fresno County California 18 $ 6,890,000 $ 382,000 $ 166,000
San Joaquin County California 18 $ 7,720,000 $ 428,000 $ 127,000
Worcester County Massachusetts 18 $ 6,180,000 $ 343,000 $ 126,000
Utah County Utah 18 $ 9,220,000 $ 512,000 $ 140,000
Placer County California 17 $ 7,945,000 $ 467,000 $ 185,000
Ada County Idaho 17 $ 5,775,000 $ 339,000 $ 145,000
Parker County Texas 17 $ 8,775,000 $ 516,000 $ 210,000
Yavapai County Arizona 16 $ 5,320,000 $ 332,000 $ 118,000
Stanislaus County California 16 $ 5,490,000 $ 343,000 $ 152,000
New Haven County Connecticut 14 $ 3,830,000 $ 273,000 $ 139,000
Mohave County Arizona 13 $ 5,215,000 $ 401,000 $ 207,000
El Dorado County California 13 $ 6,555,000 $ 504,000 $ 191,000
Sonoma County California 13 $ 6,995,000 $ 538,000 $ 193,000
King County Washington 13 $ 8,245,000 $ 634,000 $ 201,000
Prince George's County Maryland 12 $ 4,290,000 $ 357,000 $ 108,000
Santa Barbara County California 11 $ 9,115,000 $ 828,000 $ 286,000
Norfolk County Massachusetts 11 $ 6,345,000 $ 576,000 $ 188,000
El Paso County Texas 11 $ 2,235,000 $ 203,000 $ 121,000
Solano County California 9 $ 3,765,000 $ 418,000 $ 149,000
Baltimore City County Maryland 9 $ 2,185,000 $ 242,000 $ 111,000
Galveston County Texas 9 $ 3,635,000 $ 403,000 $ 188,000
Hays County Texas 9 $ 4,615,000 $ 512,000 $ 204,000
Coconino County Arizona 8 $ 3,110,000 $ 388,000 $ 150,000
Yuma County Arizona 8 $ 2,060,000 $ 257,000 $ 131,000
Marin County California 8 $ 6,140,000 $ 767,000 $ 191,000
Palm Beach County Florida 8 $ 2,140,000 $ 267,000 $ 96,000
Cobb County Georgia 8 $ 1,450,000 $ 181,000 $ 75,000
Wake County North Carolina 8 $ 1,750,000 $ 218,000 $ 117,000
Cleveland County Oklahoma 8 $ 1,980,000 $ 247,000 $ 121,000
Hillsborough County Florida 7 $ 2,055,000 $ 293,000 $ 105,000
Anne Arundel County Maryland 7 $ 2,605,000 $ 372,000 $ 150,000
Essex County Massachusetts 7 $ 1,795,000 $ 256,000 $ 112,000
Plymouth County Massachusetts 7 $ 1,765,000 $ 252,000 $ 102,000
Suffolk County Massachusetts 7 $ 2,985,000 $ 426,000 $ 206,000
Davidson County Tennessee 7 $ 3,365,000 $ 480,000 $ 148,000
Shelby County Tennessee 7 $ 1,645,000 $ 235,000 $ 321,000
Davis County Utah 7 $ 2,855,000 $ 407,000 $ 138,000
Clark County Washington 7 $ 2,385,000 $ 340,000 $ 143,000
Spokane County Washington 7 $ 2,045,000 $ 292,000 $ 119,000
Baldwin County Alabama 6 $ 2,140,000 $ 356,000 $ 224,000
Santa Cruz County California 6 $ 4,260,000 $ 710,000 $ 241,000
Yolo County California 6 $ 3,090,000 $ 515,000 $ 156,000
Denver County Colorado 6 $ 2,780,000 $ 463,000 $ 157,000
New London County Connecticut 6 $ 1,770,000 $ 295,000 $ 131,000
Marion County Indiana 6 $ 990,000 $ 165,000 $ 120,000
Barnstable County Massachusetts 6 $ 2,140,000 $ 356,000 $ 147,000
Lyon County Nevada 6 $ 1,950,000 $ 325,000 $ 162,000
Bell County Texas 6 $ 1,300,000 $ 216,000 $ 97,000
Fairfax County Virginia 6 $ 2,350,000 $ 391,000 $ 156,000
Nevada County California 5 $ 1,715,000 $ 343,000 $ 85,000
San Luis Obispo County California 5 $ 1,655,000 $ 331,000 $ 134,000
Tolland County Connecticut 5 $ 1,115,000 $ 223,000 $ 142,000
Brevard County Florida 5 $ 1,175,000 $ 235,000 $ 188,000
Fulton County Georgia 5 $ 1,595,000 $ 319,000 $ 295,000
Kootenai County Idaho 5 $ 1,975,000 $ 395,000 $ 97,000
Baltimore County Maryland 5 $ 1,945,000 $ 389,000 $ 113,000
Monmouth County New Jersey 5 $ 2,535,000 $ 507,000 $ 184,000
Bernalillo County New Mexico 5 $ 1,015,000 $ 203,000 $ 89,000
Cumberland County North Carolina 5 $ 785,000 $ 157,000 $ 73,000
Mecklenburg County North Carolina 5 $ 1,835,000 $ 367,000 $ 137,000
Canadian County Oklahoma 5 $ 1,235,000 $ 247,000 $ 98,000
Delaware County Pennsylvania 5 $ 895,000 $ 179,000 $ 93,000
Knox County Tennessee 5 $ 1,165,000 $ 233,000 $ 565,000
Williamson County Tennessee 5 $ 2,925,000 $ 585,000 $ 137,000
Brazoria County Texas 5 $ 1,265,000 $ 253,000 $ 154,000
Ellis County Texas 5 $ 1,515,000 $ 303,000 $ 124,000
Hood County Texas 5 $ 1,135,000 $ 227,000 $ 128,000
Kaufman County Texas 5 $ 1,105,000 $ 221,000 $ 123,000
McLennan County Texas 5 $ 1,645,000 $ 329,000 $ 224,000
Nueces County Texas 5 $ 1,035,000 $ 207,000 $ 111,000
Loudoun County Virginia 5 $ 2,185,000 $ 437,000 $ 178,000
Navajo County Arizona 4 $ 1,180,000 $ 295,000 $ 130,000
Butte County California 4 $ 1,400,000 $ 350,000 $ 106,000
Monterey County California 4 $ 1,980,000 $ 495,000 $ 155,000
Arapahoe County Colorado 4 $ 2,190,000 $ 547,000 $ 216,000
Middlesex County Connecticut 4 $ 1,250,000 $ 312,000 $ 119,000
District of Columbia County District Of Columbia 4 $ 1,840,000 $ 460,000 $ 179,000
Santa Rosa County Florida 4 $ 1,130,000 $ 282,000 $ 131,000
Hamilton County Indiana 4 $ 2,930,000 $ 732,000 $ 249,000
Hennepin County Minnesota 4 $ 1,690,000 $ 422,000 $ 135,000
Bergen County New Jersey 4 $ 1,490,000 $ 372,000 $ 123,000
Washington County Oregon 4 $ 1,760,000 $ 440,000 $ 178,000
Hidalgo County Texas 4 $ 1,260,000 $ 315,000 $ 150,000
Johnson County Texas 4 $ 1,540,000 $ 385,000 $ 195,000
Randall County Texas 4 $ 570,000 $ 142,000 $ 71,000
Rockwall County Texas 4 $ 1,370,000 $ 342,000 $ 190,000
Smith County Texas 4 $ 700,000 $ 175,000 $ 77,000
Taylor County Texas 4 $ 870,000 $ 217,000 $ 88,000
Wasatch County Utah 4 $ 3,440,000 $ 860,000 $ 252,000
Weber County Utah 4 $ 1,560,000 $ 390,000 $ 148,000
Prince William County Virginia 4 $ 1,470,000 $ 367,000 $ 90,000
Madison County Alabama 3 $ 775,000 $ 258,000 $ 155,000
Santa Cruz County Arizona 3 $ 1,225,000 $ 408,000 $ 172,000
Humboldt County California 3 $ 1,305,000 $ 435,000 $ 133,000
Napa County California 3 $ 1,195,000 $ 398,000 $ 81,000
Tulare County California 3 $ 675,000 $ 225,000 $ 147,000
Tuolumne County California 3 $ 935,000 $ 311,000 $ 68,000
El Paso County Colorado 3 $ 1,345,000 $ 448,000 $ 114,000
Miami-Dade County Florida 3 $ 945,000 $ 315,000 $ 121,000
Osceola County Florida 3 $ 1,205,000 $ 401,000 $ 168,000
Pinellas County Florida 3 $ 835,000 $ 278,000 $ 61,000
DeKalb County Georgia 3 $ 775,000 $ 258,000 $ 80,000
Glynn County Georgia 3 $ 2,845,000 $ 948,000 $ 572,000
Bonneville County Idaho 3 $ 545,000 $ 181,000 $ 105,000
Canyon County Idaho 3 $ 1,225,000 $ 408,000 $ 133,000
Carroll County Maryland 3 $ 1,105,000 $ 368,000 $ 90,000
Montgomery County Maryland 3 $ 1,985,000 $ 661,000 $ 212,000
Berkshire County Massachusetts 3 $ 1,725,000 $ 575,000 $ 222,000
Bristol County Massachusetts 3 $ 615,000 $ 205,000 $ 82,000
Kent County Michigan 3 $ 1,105,000 $ 368,000 $ 250,000
Macomb County Michigan 3 $ 595,000 $ 198,000 $ 64,000
Oakland County Michigan 3 $ 705,000 $ 235,000 $ 88,000
Cleveland County North Carolina 3 $ 465,000 $ 155,000 $ 130,000
Durham County North Carolina 3 $ 945,000 $ 315,000 $ 117,000
Guilford County North Carolina 3 $ 735,000 $ 245,000 $ 128,000
Cuyahoga County Ohio 3 $ 575,000 $ 191,000 $ 268,000
Wagoner County Oklahoma 3 $ 885,000 $ 295,000 $ 134,000
Philadelphia County Pennsylvania 3 $ 715,000 $ 238,000 $ 121,000
Charleston County South Carolina 3 $ 1,025,000 $ 341,000 $ 101,000
Sevier County Tennessee 3 $ 2,005,000 $ 668,000 $ 343,000
Brazos County Texas 3 $ 695,000 $ 231,000 $ 100,000
Gillespie County Texas 3 $ 1,775,000 $ 591,000 $ 218,000
Guadalupe County Texas 3 $ 735,000 $ 245,000 $ 96,000
Henderson County Texas 3 $ 1,575,000 $ 525,000 $ 545,000
Medina County Texas 3 $ 825,000 $ 275,000 $ 97,000
Iron County Utah 3 $ 1,825,000 $ 608,000 $ 143,000
Washington County Utah 3 $ 785,000 $ 261,000 $ 101,000
Franklin County Washington 3 $ 1,175,000 $ 391,000 $ 129,000
Snohomish County Washington 3 $ 1,525,000 $ 508,000 $ 125,000
Montgomery County Alabama 2 $ 620,000 $ 310,000 $ 101,000
Cochise County Arizona 2 $ 730,000 $ 365,000 $ 58,000
Gila County Arizona 2 $ 270,000 $ 135,000 $ 140,000
La Paz County Arizona 2 $ 410,000 $ 205,000 $ 201,000
Kings County California 2 $ 440,000 $ 220,000 $ 109,000
Madera County California 2 $ 580,000 $ 290,000 $ 125,000
Mariposa County California 2 $ 560,000 $ 280,000 $ 124,000
Merced County California 2 $ 480,000 $ 240,000 $ 218,000
Adams County Colorado 2 $ 1,240,000 $ 620,000 $ 269,000
Boulder County Colorado 2 $ 960,000 $ 480,000 $ 144,000
Jefferson County Colorado 2 $ 1,170,000 $ 585,000 $ 230,000
Litchfield County Connecticut 2 $ 650,000 $ 325,000 $ 122,000
Alachua County Florida 2 $ 1,250,000 $ 625,000 $ 338,000
Collier County Florida 2 $ 420,000 $ 210,000 $ 97,000
Duval County Florida 2 $ 1,000,000 $ 500,000 $ 285,000
Escambia County Florida 2 $ 340,000 $ 170,000 $ 102,000
Lee County Florida 2 $ 480,000 $ 240,000 $ 97,000
Manatee County Florida 2 $ 460,000 $ 230,000 $ 144,000
Martin County Florida 2 $ 1,710,000 $ 855,000 $ 197,000
Okaloosa County Florida 2 $ 500,000 $ 250,000 $ 79,000
Pasco County Florida 2 $ 480,000 $ 240,000 $ 65,000
Polk County Florida 2 $ 880,000 $ 440,000 $ 233,000
Sarasota County Florida 2 $ 300,000 $ 150,000 $ 58,000
Sumter County Florida 2 $ 760,000 $ 380,000 $ 118,000
Forsyth County Georgia 2 $ 490,000 $ 245,000 $ 93,000
Gwinnett County Georgia 2 $ 650,000 $ 325,000 $ 93,000
Henry County Georgia 2 $ 360,000 $ 180,000 $ 89,000
Houston County Georgia 2 $ 280,000 $ 140,000 $ 45,000
Hawaii County Hawaii 2 $ 1,660,000 $ 830,000 $ 252,000
Bonner County Idaho 2 $ 320,000 $ 160,000 $ 99,000
Madison County Idaho 2 $ 440,000 $ 220,000 $ 283,000
Cook County Illinois 2 $ 740,000 $ 370,000 $ 147,000
Kane County Illinois 2 $ 670,000 $ 335,000 $ 135,000
Will County Illinois 2 $ 740,000 $ 370,000 $ 203,000
East Baton Rouge County Louisiana 2 $ 520,000 $ 260,000 $ 170,000
Frederick County Maryland 2 $ 1,080,000 $ 540,000 $ 227,000
Washington County Maryland 2 $ 470,000 $ 235,000 $ 65,000
Hampden County Massachusetts 2 $ 430,000 $ 215,000 $ 81,000
Hampshire County Massachusetts 2 $ 460,000 $ 230,000 $ 129,000
Genesee County Michigan 2 $ 740,000 $ 370,000 $ 245,000
Washtenaw County Michigan 2 $ 350,000 $ 175,000 $ 92,000
Carver County Minnesota 2 $ 410,000 $ 205,000 $ 130,000
Isanti County Minnesota 2 $ 580,000 $ 290,000 $ 93,000
Burlington County New Jersey 2 $ 650,000 $ 325,000 $ 99,000
Camden County New Jersey 2 $ 460,000 $ 230,000 $ 214,000
Hunterdon County New Jersey 2 $ 640,000 $ 320,000 $ 113,000
Middlesex County New Jersey 2 $ 650,000 $ 325,000 $ 179,000
Union County New Jersey 2 $ 340,000 $ 170,000 $ 106,000
Colfax County New Mexico 2 $ 640,000 $ 320,000 $ 151,000
Cabarrus County North Carolina 2 $ 780,000 $ 390,000 $ 115,000
Randolph County North Carolina 2 $ 330,000 $ 165,000 $ 86,000
Montgomery County Ohio 2 $ 190,000 $ 95,000 $ 91,000
Bryan County Oklahoma 2 $ 260,000 $ 130,000 $ 121,000
Cherokee County Oklahoma 2 $ 380,000 $ 190,000 $ 67,000
Grady County Oklahoma 2 $ 320,000 $ 160,000 $ 46,000
Logan County Oklahoma 2 $ 340,000 $ 170,000 $ 118,000
Marshall County Oklahoma 2 $ 340,000 $ 170,000 $ 93,000
McClain County Oklahoma 2 $ 750,000 $ 375,000 $ 106,000
Muskogee County Oklahoma 2 $ 600,000 $ 300,000 $ 156,000
Rogers County Oklahoma 2 $ 380,000 $ 190,000 $ 128,000
Clackamas County Oregon 2 $ 580,000 $ 290,000 $ 62,000
Multnomah County Oregon 2 $ 1,610,000 $ 805,000 $ 240,000
Allegheny County Pennsylvania 2 $ 220,000 $ 110,000 $ 100,000
Chester County Pennsylvania 2 $ 980,000 $ 490,000 $ 468,000
Lehigh County Pennsylvania 2 $ 240,000 $ 120,000 $ 52,000
Anderson County South Carolina 2 $ 540,000 $ 270,000 $ 107,000
Horry County South Carolina 2 $ 370,000 $ 185,000 $ 132,000
Putnam County Tennessee 2 $ 610,000 $ 305,000 $ 121,000
Austin County Texas 2 $ 600,000 $ 300,000 $ 105,000
Cass County Texas 2 $ 810,000 $ 405,000 $ 98,000
Cherokee County Texas 2 $ 480,000 $ 240,000 $ 90,000
Comal County Texas 2 $ 1,280,000 $ 640,000 $ 254,000
Grayson County Texas 2 $ 680,000 $ 340,000 $ 474,000
Hopkins County Texas 2 $ 300,000 $ 150,000 $ 80,000
Hunt County Texas 2 $ 1,010,000 $ 505,000 $ 174,000
Lubbock County Texas 2 $ 300,000 $ 150,000 $ 65,000
Midland County Texas 2 $ 1,340,000 $ 670,000 $ 265,000
Nacogdoches County Texas 2 $ 570,000 $ 285,000 $ 196,000
Reeves County Texas 2 $ 540,000 $ 270,000 $ 119,000
Wise County Texas 2 $ 810,000 $ 405,000 $ 147,000
Cache County Utah 2 $ 690,000 $ 345,000 $ 182,000
Danville County Virginia 2 $ 180,000 $ 90,000 $ 136,000
Virginia Beach County Virginia 2 $ 390,000 $ 195,000 $ 153,000
Pierce County Washington 2 $ 480,000 $ 240,000 $ 146,000
Fond du Lac County Wisconsin 2 $ 350,000 $ 175,000 $ 81,000
Milwaukee County Wisconsin 2 $ 310,000 $ 155,000 $ 97,000
Autauga County Alabama 1 $ 275,000 $ 275,000 $ 99,000
Apache County Arizona 1 $ 305,000 $ 305,000 $ 59,000
Calaveras County California 1 $ 295,000 $ 295,000 $ 79,000
Lake County California 1 $ 245,000 $ 245,000 $ 63,000
Mendocino County California 1 $ 645,000 $ 645,000 $ 237,000
Mono County California 1 $ 425,000 $ 425,000 $ 187,000
Shasta County California 1 $ 185,000 $ 185,000 $ 118,000
Siskiyou County California 1 $ 155,000 $ 155,000 $ 52,000
Sutter County California 1 $ 305,000 $ 305,000 $ 161,000
Tehama County California 1 $ 195,000 $ 195,000 $ 141,000
Douglas County Colorado 1 $ 355,000 $ 355,000 $ 135,000
Eagle County Colorado 1 $ 185,000 $ 185,000 $ 33,000
Hinsdale County Colorado 1 $ 325,000 $ 325,000 $ 211,000
La Plata County Colorado 1 $ 275,000 $ 275,000 $ 112,000
Kent County Delaware 1 $ 95,000 $ 95,000 $ 117,000
Sussex County Delaware 1 $ 415,000 $ 415,000 $ 155,000
Bay County Florida 1 $ 255,000 $ 255,000 $ 141,000
Broward County Florida 1 $ 215,000 $ 215,000 $ 82,000
Citrus County Florida 1 $ 105,000 $ 105,000 $ 35,000
Flagler County Florida 1 $ 175,000 $ 175,000 $ 54,000
Gadsden County Florida 1 $ 115,000 $ 115,000 $ 204,000
Indian River County Florida 1 $ 355,000 $ 355,000 $ 172,000
Marion County Florida 1 $ 295,000 $ 295,000 $ 223,000
Putnam County Florida 1 $ 175,000 $ 175,000 $ 82,000
St. Johns County Florida 1 $ 505,000 $ 505,000 $ 302,000
Volusia County Florida 1 $ 115,000 $ 115,000 $ 36,000
Walton County Florida 1 $ 1,405,000 $ 1,405,000 $ 313,000
Barrow County Georgia 1 $ 145,000 $ 145,000 $ 52,000
Carroll County Georgia 1 $ 135,000 $ 135,000 $ 144,000
Cherokee County Georgia 1 $ 275,000 $ 275,000 $ 130,000
Clayton County Georgia 1 $ 115,000 $ 115,000 $ 44,000
Columbia County Georgia 1 $ 125,000 $ 125,000 $ 0
Coweta County Georgia 1 $ 135,000 $ 135,000 $ 100,000
Fayette County Georgia 1 $ 135,000 $ 135,000 $ 87,000
Hall County Georgia 1 $ 105,000 $ 105,000 $ 42,000
Hancock County Georgia 1 $ 115,000 $ 115,000 $ 77,000
Haralson County Georgia 1 $ 175,000 $ 175,000 $ 53,000
Liberty County Georgia 1 $ 75,000 $ 75,000 $ 105,000
Lowndes County Georgia 1 $ 315,000 $ 315,000 $ 193,000
Monroe County Georgia 1 $ 125,000 $ 125,000 $ 32,000
Murray County Georgia 1 $ 95,000 $ 95,000 $ 39,000
Newton County Georgia 1 $ 165,000 $ 165,000 $ 52,000
Paulding County Georgia 1 $ 265,000 $ 265,000 $ 90,000
Richmond County Georgia 1 $ 105,000 $ 105,000 $ 92,000
Rockdale County Georgia 1 $ 185,000 $ 185,000 $ 85,000
Seminole County Georgia 1 $ 205,000 $ 205,000 $ 136,000
Thomas County Georgia 1 $ 115,000 $ 115,000 $ 62,000
White County Georgia 1 $ 225,000 $ 225,000 $ 52,000
Honolulu County Hawaii 1 $ 695,000 $ 695,000 $ 0
Kauai County Hawaii 1 $ 425,000 $ 425,000 $ 132,000
Maui County Hawaii 1 $ 555,000 $ 555,000 $ 298,000
Bannock County Idaho 1 $ 365,000 $ 365,000 $ 65,000
Bingham County Idaho 1 $ 325,000 $ 325,000 $ 65,000
Blaine County Idaho 1 $ 345,000 $ 345,000 $ 261,000
Boise County Idaho 1 $ 215,000 $ 215,000 $ 200,000
Butte County Idaho 1 $ 285,000 $ 285,000 $ 132,000
Gem County Idaho 1 $ 205,000 $ 205,000 $ 65,000
Idaho County Idaho 1 $ 205,000 $ 205,000 $ 109,000
Jefferson County Idaho 1 $ 575,000 $ 575,000 $ 239,000
Latah County Idaho 1 $ 215,000 $ 215,000 $ 113,000
Lewis County Idaho 1 $ 515,000 $ 515,000 $ 143,000
Teton County Idaho 1 $ 245,000 $ 245,000 $ 176,000
Twin Falls County Idaho 1 $ 395,000 $ 395,000 $ 103,000
Lake County Illinois 1 $ 165,000 $ 165,000 $ 101,000
Hancock County Indiana 1 $ 135,000 $ 135,000 $ 34,000
Hendricks County Indiana 1 $ 295,000 $ 295,000 $ 122,000
Jackson County Indiana 1 $ 105,000 $ 105,000 $ 86,000
Lake County Indiana 1 $ 315,000 $ 315,000 $ 112,000
LaPorte County Indiana 1 $ 105,000 $ 105,000 $ 58,000
Monroe County Indiana 1 $ 185,000 $ 185,000 $ 42,000
Ohio County Indiana 1 $ 245,000 $ 245,000 $ 0
Orange County Indiana 1 $ 105,000 $ 105,000 $ 41,000
Putnam County Indiana 1 $ 155,000 $ 155,000 $ 54,000
Vanderburgh County Indiana 1 $ 75,000 $ 75,000 $ 45,000
Cedar County Iowa 1 $ 105,000 $ 105,000 $ 73,000
Johnson County Kansas 1 $ 185,000 $ 185,000 $ 114,000
Wyandotte County Kansas 1 $ 245,000 $ 245,000 $ 177,000
Boyle County Kentucky 1 $ 275,000 $ 275,000 $ 128,000
McCreary County Kentucky 1 $ 265,000 $ 265,000 $ 54,000
Rockcastle County Kentucky 1 $ 105,000 $ 105,000 $ 28,000
Woodford County Kentucky 1 $ 345,000 $ 345,000 $ 118,000
Calvert County Maryland 1 $ 365,000 $ 365,000 $ 84,000
Cecil County Maryland 1 $ 165,000 $ 165,000 $ 137,000
Charles County Maryland 1 $ 205,000 $ 205,000 $ 101,000
Garrett County Maryland 1 $ 675,000 $ 675,000 $ 281,000
Howard County Maryland 1 $ 235,000 $ 235,000 $ 61,000
Wicomico County Maryland 1 $ 145,000 $ 145,000 $ 47,000
Franklin County Massachusetts 1 $ 385,000 $ 385,000 $ 116,000
Barry County Michigan 1 $ 285,000 $ 285,000 $ 95,000
Berrien County Michigan 1 $ 135,000 $ 135,000 $ 63,000
Lapeer County Michigan 1 $ 165,000 $ 165,000 $ 28,000
Midland County Michigan 1 $ 115,000 $ 115,000 $ 59,000
Monroe County Michigan 1 $ 175,000 $ 175,000 $ 64,000
Muskegon County Michigan 1 $ 125,000 $ 125,000 $ 51,000
Ottawa County Michigan 1 $ 155,000 $ 155,000 $ 49,000
Anoka County Minnesota 1 $ 245,000 $ 245,000 $ 156,000
Dakota County Minnesota 1 $ 255,000 $ 255,000 $ 50,000
Ramsey County Minnesota 1 $ 255,000 $ 255,000 $ 0
Rice County Minnesota 1 $ 175,000 $ 175,000 $ 157,000
Stevens County Minnesota 1 $ 95,000 $ 95,000 $ 44,000
Jones County Mississippi 1 $ 165,000 $ 165,000 $ 109,000
Oktibbeha County Mississippi 1 $ 455,000 $ 455,000 $ 180,000
Madison County Montana 1 $ 405,000 $ 405,000 $ 158,000
Yellowstone County Montana 1 $ 275,000 $ 275,000 $ 145,000
Dodge County Nebraska 1 $ 185,000 $ 185,000 $ 61,000
Churchill County Nevada 1 $ 165,000 $ 165,000 $ 133,000
Douglas County Nevada 1 $ 365,000 $ 365,000 $ 146,000
Nye County Nevada 1 $ 145,000 $ 145,000 $ 57,000
Atlantic County New Jersey 1 $ 165,000 $ 165,000 $ 61,000
Essex County New Jersey 1 $ 395,000 $ 395,000 $ 202,000
Gloucester County New Jersey 1 $ 415,000 $ 415,000 $ 141,000
Hudson County New Jersey 1 $ 755,000 $ 755,000 $ 332,000
Morris County New Jersey 1 $ 335,000 $ 335,000 $ 400,000
Ocean County New Jersey 1 $ 215,000 $ 215,000 $ 70,000
Somerset County New Jersey 1 $ 555,000 $ 555,000 $ 256,000
Warren County New Jersey 1 $ 165,000 $ 165,000 $ 86,000
Chaves County New Mexico 1 $ 155,000 $ 155,000 $ 65,000
Curry County New Mexico 1 $ 175,000 $ 175,000 $ 0
Dona Ana County New Mexico 1 $ 115,000 $ 115,000 $ 73,000
McKinley County New Mexico 1 $ 135,000 $ 135,000 $ 109,000
Santa Fe County New Mexico 1 $ 225,000 $ 225,000 $ 56,000
Taos County New Mexico 1 $ 245,000 $ 245,000 $ 62,000
Valencia County New Mexico 1 $ 135,000 $ 135,000 $ 103,000
Buncombe County North Carolina 1 $ 105,000 $ 105,000 $ 28,000
Camden County North Carolina 1 $ 305,000 $ 305,000 $ 210,000
Craven County North Carolina 1 $ 85,000 $ 85,000 $ 28,000
Currituck County North Carolina 1 $ 165,000 $ 165,000 $ 75,000
Davidson County North Carolina 1 $ 125,000 $ 125,000 $ 71,000
Davie County North Carolina 1 $ 125,000 $ 125,000 $ 65,000
Forsyth County North Carolina 1 $ 175,000 $ 175,000 $ 28,000
Franklin County North Carolina 1 $ 165,000 $ 165,000 $ 44,000
Halifax County North Carolina 1 $ 125,000 $ 125,000 $ 61,000
Harnett County North Carolina 1 $ 305,000 $ 305,000 $ 118,000
Haywood County North Carolina 1 $ 175,000 $ 175,000 $ 35,000
Iredell County North Carolina 1 $ 335,000 $ 335,000 $ 840,000
Mitchell County North Carolina 1 $ 175,000 $ 175,000 $ 101,000
New Hanover County North Carolina 1 $ 165,000 $ 165,000 $ 58,000
Person County North Carolina 1 $ 145,000 $ 145,000 $ 39,000
Wayne County North Carolina 1 $ 115,000 $ 115,000 $ 78,000
Franklin County Ohio 1 $ 145,000 $ 145,000 $ 149,000
Greene County Ohio 1 $ 245,000 $ 245,000 $ 135,000
Hamilton County Ohio 1 $ 245,000 $ 245,000 $ 93,000
Lucas County Ohio 1 $ 155,000 $ 155,000 $ 52,000
Summit County Ohio 1 $ 175,000 $ 175,000 $ 128,000
Carter County Oklahoma 1 $ 85,000 $ 85,000 $ 0
Custer County Oklahoma 1 $ 155,000 $ 155,000 $ 66,000
Garfield County Oklahoma 1 $ 175,000 $ 175,000 $ 47,000
Johnston County Oklahoma 1 $ 225,000 $ 225,000 $ 170,000
Kay County Oklahoma 1 $ 125,000 $ 125,000 $ 68,000
Major County Oklahoma 1 $ 105,000 $ 105,000 $ 80,000
Mayes County Oklahoma 1 $ 395,000 $ 395,000 $ 109,000
Osage County Oklahoma 1 $ 125,000 $ 125,000 $ 80,000
Payne County Oklahoma 1 $ 155,000 $ 155,000 $ 119,000
Pottawatomie County Oklahoma 1 $ 55,000 $ 55,000 $ 92,000
Washington County Oklahoma 1 $ 75,000 $ 75,000 $ 137,000
Benton County Oregon 1 $ 465,000 $ 465,000 $ 151,000
Deschutes County Oregon 1 $ 145,000 $ 145,000 $ 22,000
Jackson County Oregon 1 $ 275,000 $ 275,000 $ 70,000
Jefferson County Oregon 1 $ 115,000 $ 115,000 $ 24,000
Linn County Oregon 1 $ 165,000 $ 165,000 $ 35,000
Marion County Oregon 1 $ 425,000 $ 425,000 $ 249,000
Tillamook County Oregon 1 $ 185,000 $ 185,000 $ 45,000
Umatilla County Oregon 1 $ 275,000 $ 275,000 $ 136,000
Berks County Pennsylvania 1 $ 475,000 $ 475,000 $ 125,000
Blair County Pennsylvania 1 $ 105,000 $ 105,000 $ 40,000
Bucks County Pennsylvania 1 $ 365,000 $ 365,000 $ 220,000
Lancaster County Pennsylvania 1 $ 185,000 $ 185,000 $ 75,000
Lycoming County Pennsylvania 1 $ 225,000 $ 225,000 $ 151,000
Monroe County Pennsylvania 1 $ 225,000 $ 225,000 $ 220,000
Montgomery County Pennsylvania 1 $ 215,000 $ 215,000 $ 200,000
Schuylkill County Pennsylvania 1 $ 115,000 $ 115,000 $ 35,000
Washington County Pennsylvania 1 $ 235,000 $ 235,000 $ 124,000
Wyoming County Pennsylvania 1 $ 85,000 $ 85,000 $ 24,000
York County Pennsylvania 1 $ 265,000 $ 265,000 $ 170,000
Cherokee County South Carolina 1 $ 265,000 $ 265,000 $ 151,000
Dorchester County South Carolina 1 $ 255,000 $ 255,000 $ 107,000
Lancaster County South Carolina 1 $ 285,000 $ 285,000 $ 133,000
Laurens County South Carolina 1 $ 235,000 $ 235,000 $ 92,000
Pickens County South Carolina 1 $ 185,000 $ 185,000 $ 56,000
Richland County South Carolina 1 $ 255,000 $ 255,000 $ 82,000
Saluda County South Carolina 1 $ 145,000 $ 145,000 $ 39,000
Carter County Tennessee 1 $ 95,000 $ 95,000 $ 53,000
Cheatham County Tennessee 1 $ 375,000 $ 375,000 $ 72,000
Coffee County Tennessee 1 $ 305,000 $ 305,000 $ 51,000
Hamilton County Tennessee 1 $ 895,000 $ 895,000 $ 325,000
Jefferson County Tennessee 1 $ 105,000 $ 105,000 $ 110,000
Maury County Tennessee 1 $ 255,000 $ 255,000 $ 147,000
Montgomery County Tennessee 1 $ 275,000 $ 275,000 $ 132,000
Robertson County Tennessee 1 $ 285,000 $ 285,000 $ 103,000
Unicoi County Tennessee 1 $ 245,000 $ 245,000 $ 144,000
Union County Tennessee 1 $ 215,000 $ 215,000 $ 85,000
Washington County Tennessee 1 $ 215,000 $ 215,000 $ 50,000
Aransas County Texas 1 $ 235,000 $ 235,000 $ 101,000
Bastrop County Texas 1 $ 275,000 $ 275,000 $ 175,000
Blanco County Texas 1 $ 365,000 $ 365,000 $ 126,000
Brown County Texas 1 $ 185,000 $ 185,000 $ 120,000
Burnet County Texas 1 $ 705,000 $ 705,000 $ 227,000
Cameron County Texas 1 $ 95,000 $ 95,000 $ 173,000
Chambers County Texas 1 $ 185,000 $ 185,000 $ 260,000
Clay County Texas 1 $ 525,000 $ 525,000 $ 234,000
Coryell County Texas 1 $ 295,000 $ 295,000 $ 68,000
Delta County Texas 1 $ 205,000 $ 205,000 $ 233,000
DeWitt County Texas 1 $ 435,000 $ 435,000 $ 266,000
Ector County Texas 1 $ 285,000 $ 285,000 $ 121,000
Fannin County Texas 1 $ 135,000 $ 135,000 $ 40,000
Gonzales County Texas 1 $ 245,000 $ 245,000 $ 114,000
Gregg County Texas 1 $ 275,000 $ 275,000 $ 109,000
Grimes County Texas 1 $ 275,000 $ 275,000 $ 101,000
Hill County Texas 1 $ 295,000 $ 295,000 $ 90,000
Hockley County Texas 1 $ 85,000 $ 85,000 $ 52,000
Houston County Texas 1 $ 185,000 $ 185,000 $ 81,000
Howard County Texas 1 $ 205,000 $ 205,000 $ 64,000
Jack County Texas 1 $ 415,000 $ 415,000 $ 225,000
Jefferson County Texas 1 $ 115,000 $ 115,000 $ 48,000
Jim Wells County Texas 1 $ 195,000 $ 195,000 $ 50,000
Liberty County Texas 1 $ 225,000 $ 225,000 $ 114,000
Limestone County Texas 1 $ 185,000 $ 185,000 $ 157,000
Matagorda County Texas 1 $ 245,000 $ 245,000 $ 155,000
Mills County Texas 1 $ 205,000 $ 205,000 $ 75,000
Morris County Texas 1 $ 245,000 $ 245,000 $ 53,000
Polk County Texas 1 $ 745,000 $ 745,000 $ 956,000
Potter County Texas 1 $ 365,000 $ 365,000 $ 265,000
Rusk County Texas 1 $ 195,000 $ 195,000 $ 87,000
Starr County Texas 1 $ 215,000 $ 215,000 $ 261,000
Tom Green County Texas 1 $ 425,000 $ 425,000 $ 118,000
Van Zandt County Texas 1 $ 195,000 $ 195,000 $ 79,000
Walker County Texas 1 $ 245,000 $ 245,000 $ 46,000
Webb County Texas 1 $ 225,000 $ 225,000 $ 95,000
Wood County Texas 1 $ 425,000 $ 425,000 $ 117,000
Juab County Utah 1 $ 905,000 $ 905,000 $ 256,000
San Juan County Utah 1 $ 725,000 $ 725,000 $ 205,000
Summit County Utah 1 $ 1,165,000 $ 1,165,000 $ 795,000
Appomattox County Virginia 1 $ 115,000 $ 115,000 $ 42,000
Caroline County Virginia 1 $ 325,000 $ 325,000 $ 81,000
Carroll County Virginia 1 $ 125,000 $ 125,000 $ 70,000
Chesapeake County Virginia 1 $ 495,000 $ 495,000 $ 170,000
Chesterfield County Virginia 1 $ 325,000 $ 325,000 $ 121,000
Hampton County Virginia 1 $ 125,000 $ 125,000 $ 42,000
Henrico County Virginia 1 $ 265,000 $ 265,000 $ 136,000
Lee County Virginia 1 $ 265,000 $ 265,000 $ 54,000
Louisa County Virginia 1 $ 895,000 $ 895,000 $ 379,000
Nelson County Virginia 1 $ 205,000 $ 205,000 $ 79,000
Newport News County Virginia 1 $ 195,000 $ 195,000 $ 68,000
Norfolk County Virginia 1 $ 215,000 $ 215,000 $ 87,000
Northampton County Virginia 1 $ 645,000 $ 645,000 $ 319,000
Prince George County Virginia 1 $ 205,000 $ 205,000 $ 118,000
Richmond City County Virginia 1 $ 235,000 $ 235,000 $ 72,000
Roanoke City County Virginia 1 $ 125,000 $ 125,000 $ 46,000
Scott County Virginia 1 $ 115,000 $ 115,000 $ 23,000
Smyth County Virginia 1 $ 185,000 $ 185,000 $ 153,000
Stafford County Virginia 1 $ 255,000 $ 255,000 $ 0
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Mortgage Loan Application Detail Totals for Watermark Capital, Inc. in 2022

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
Home Purchase 1,334 $635,450,000 $476,000 $2,625,000 $194,000 $2,021,000
Cash-out Refinancing 1,014 $396,180,000 $390,000 $2,205,000 $146,000 $1,576,000
Refinancing 726 $278,110,000 $383,000 $3,565,000 $153,000 $1,333,000
Home Improvement 166 $68,280,000 $411,000 $1,905,000 $163,000 $919,000
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 1,831 $783,525,000 $427,000 $3,565,000 $173,000 $2,021,000
Not Provided 584 $253,900,000 $434,000 $2,625,000 $168,000 $919,000
Asian 364 $175,750,000 $482,000 $2,155,000 $184,000 $1,351,000
Hispanic 314 $115,260,000 $367,000 $1,755,000 $143,000 $1,228,000
Black or African American 104 $33,400,000 $321,000 $905,000 $116,000 $485,000
American Indian or Alaskan Native 27 $8,575,000 $317,000 $1,505,000 $133,000 $664,000
Native Hawaiian or Other Pacific Islander 6 $2,550,000 $425,000 $1,245,000 $146,000 $208,000
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) 3,035 $1,298,955,000 $427,000 $3,565,000 $173,000 $2,021,000
VA-guaranteed (Veterans Administration) 126 $55,060,000 $436,000 $2,015,000 $115,000 $465,000
FHA-insured (Federal Housing Administration) 78 $23,590,000 $302,000 $795,000 $96,000 $400,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $415,000 $415,000 $415,000 $118,000 $118,000

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 2,569 $1,077,635,000 $419,000 $3,565,000 $168,000 $2,021,000
Application Approved But Not Accepted 466 $202,240,000 $433,000 $2,625,000 $171,000 $1,228,000
Application Denied By Financial Institution 139 $63,035,000 $453,000 $1,495,000 $148,000 $656,000
Application Withdrawn By Applicant 65 $34,805,000 $535,000 $2,245,000 $193,000 $1,333,000
File Closed For Incompleteness 1 $305,000 $305,000 $305,000 $72,000 $72,000
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 3,101 $1,314,985,000 $424,000 $3,565,000 $169,000 $2,021,000
Debt-To-Income Ratio 59 $29,505,000 $500,000 $1,495,000 $130,000 $656,000
Collateral 35 $11,425,000 $326,000 $975,000 $156,000 $528,000
Other 16 $9,220,000 $576,000 $1,425,000 $188,000 $506,000
Employment History 10 $4,010,000 $401,000 $1,005,000 $125,000 $256,000
Credit History 10 $3,660,000 $366,000 $755,000 $163,000 $400,000
Unverifiable Information 6 $2,960,000 $493,000 $1,295,000 $165,000 $393,000
Credit Application Incomplete 3 $2,255,000 $751,000 $1,425,000 $204,000 $312,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Watermark Capital, Inc.'s 2022 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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