Watermark Capital, Inc. Mortgage Lending & HMDA Data, 2025
In 2025, Watermark Capital, Inc. of Irvine, CA reported 909 mortgage applications totaling $512.3 million, up 7% from 2024. The average application was for $563,580, and applicants reported an average income of $248,113. 77% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (99), Dallas-Plano-Irving, TX (58) and Houston-The Woodlands-Sugar Land, TX (51) (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 | 909 |
| Total Mortgage Loan Application Amount | $512,295,000 |
| Average Mortgage Loan Application Amount | $563,580 |
| Highest Mortgage Loan Application Amount | $12,575,000 |
| Average Applicant Income | $248,113 |
| Highest Applicant Income | $6,500,000 |
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(HMDA) records Watermark Capital, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 99 | $ 80,445,000 | $ 812,575 | $ 333,000 |
| Dallas-Plano-Irving, TX | 58 | $ 41,880,000 | $ 722,068 | $ 343,000 |
| Houston-The Woodlands-Sugar Land, TX | 51 | $ 26,325,000 | $ 516,176 | $ 275,000 |
| Riverside-San Bernardino-Ontario, CA | 40 | $ 19,560,000 | $ 489,000 | $ 192,000 |
| Anaheim-Santa Ana-Irvine, CA | 38 | $ 33,610,000 | $ 884,473 | $ 413,000 |
| Outside any metro area | 37 | $ 18,305,000 | $ 494,729 | $ 265,108 |
| Fort Worth-Arlington, TX | 36 | $ 18,810,000 | $ 522,500 | $ 332,000 |
| Baltimore-Columbia-Towson, MD | 31 | $ 13,625,000 | $ 439,516 | $ 201,000 |
| San Diego-Carlsbad, CA | 30 | $ 20,690,000 | $ 689,666 | $ 240,000 |
| Phoenix-Mesa-Scottsdale, AZ | 27 | $ 13,845,000 | $ 512,777 | $ 186,000 |
| Oakland-Hayward-Berkeley, CA | 25 | $ 14,595,000 | $ 583,800 | $ 218,000 |
| Las Vegas-Henderson-Paradise, NV | 24 | $ 8,840,000 | $ 368,333 | $ 149,000 |
| Stockton-Lodi, CA | 21 | $ 8,815,000 | $ 419,761 | $ 207,000 |
| Washington, DC-MD | 21 | $ 11,485,000 | $ 546,904 | $ 163,666 |
| Arlington-Alexandria-Reston, VA-WV | 20 | $ 12,020,000 | $ 601,000 | $ 206,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 14 | $ 6,070,000 | $ 433,571 | $ 159,214 |
| Sacramento--Roseville--Arden-Arcade, CA | 14 | $ 6,950,000 | $ 496,428 | $ 146,000 |
| San Antonio-New Braunfels, TX | 12 | $ 3,480,000 | $ 290,000 | $ 213,000 |
| Seattle-Bellevue-Everett, WA | 12 | $ 7,370,000 | $ 614,166 | $ 177,000 |
| Cambridge-Newton-Framingham, MA | 9 | $ 4,835,000 | $ 537,222 | $ 209,000 |
| Charlotte-Concord-Gastonia, NC-SC | 9 | $ 3,355,000 | $ 372,777 | $ 156,000 |
| San Francisco-Redwood City-South San Francisco, CA | 9 | $ 7,595,000 | $ 843,888 | $ 207,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 8 | $ 3,000,000 | $ 375,000 | $ 135,000 |
| Washington-Baltimore-Arlington, DC | 8 | $ 4,660,000 | $ 582,500 | $ 249,000 |
| Richmond, VA | 7 | $ 2,795,000 | $ 399,285 | $ 179,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 6,235,000 | $ 890,714 | $ 272,000 |
| Austin-Round Rock, TX | 6 | $ 14,380,000 | $ 2,396,666 | $ 1,145,000 |
| Lake Havasu City-Kingman, AZ | 6 | $ 1,240,000 | $ 206,666 | $ 81,000 |
| Ogden-Clearfield, UT | 6 | $ 3,390,000 | $ 565,000 | $ 216,000 |
| Raleigh, NC | 6 | $ 2,050,000 | $ 341,666 | $ 140,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 1,635,000 | $ 327,000 | $ 171,000 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 2,375,000 | $ 475,000 | $ 85,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 2,485,000 | $ 497,000 | $ 224,000 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 3,385,000 | $ 677,000 | $ 370,000 |
| Newark, NJ-PA | 5 | $ 1,705,000 | $ 341,000 | $ 179,000 |
| Santa Cruz-Watsonville, CA | 5 | $ 3,225,000 | $ 645,000 | $ 166,000 |
| Spokane-Spokane Valley, WA | 5 | $ 1,505,000 | $ 301,000 | $ 192,000 |
| Boise City, ID | 4 | $ 2,110,000 | $ 527,500 | $ 203,000 |
| Boston, MA | 4 | $ 1,380,000 | $ 345,000 | $ 225,000 |
| Brownsville-Harlingen, TX | 4 | $ 1,590,000 | $ 397,500 | $ 1,067,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 1,660,000 | $ 415,000 | $ 270,000 |
| Everett, WA | 4 | $ 1,680,000 | $ 420,000 | $ 168,000 |
| Marietta, GA | 4 | $ 2,570,000 | $ 642,500 | $ 189,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 1,730,000 | $ 432,500 | $ 243,000 |
| Punta Gorda, FL | 4 | $ 980,000 | $ 245,000 | $ 151,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 4 | $ 2,280,000 | $ 570,000 | $ 181,000 |
| Tampa, FL | 4 | $ 1,360,000 | $ 340,000 | $ 148,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 1,050,000 | $ 262,500 | $ 95,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 835,000 | $ 278,333 | $ 136,000 |
| Eugene, OR | 3 | $ 1,115,000 | $ 371,666 | $ 111,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 1,825,000 | $ 608,333 | $ 198,000 |
| Huntsville, AL | 3 | $ 535,000 | $ 178,333 | $ 0 |
| Lancaster, PA | 3 | $ 1,065,000 | $ 355,000 | $ 86,000 |
| Pittsburgh, PA | 3 | $ 715,000 | $ 238,333 | $ 138,000 |
| Reno, NV | 3 | $ 1,315,000 | $ 438,333 | $ 134,000 |
| Salinas, CA | 3 | $ 2,525,000 | $ 841,666 | $ 426,000 |
| Salt Lake City, UT | 3 | $ 2,295,000 | $ 765,000 | $ 242,000 |
| Tucson, AZ | 3 | $ 1,335,000 | $ 445,000 | $ 202,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 340,000 | $ 170,000 | $ 85,000 |
| Bakersfield, CA | 2 | $ 650,000 | $ 325,000 | $ 119,000 |
| Camden, NJ | 2 | $ 590,000 | $ 295,000 | $ 219,000 |
| Charleston-North Charleston, SC | 2 | $ 820,000 | $ 410,000 | $ 184,000 |
| Cleveland, OH | 2 | $ 440,000 | $ 220,000 | $ 246,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 750,000 | $ 375,000 | $ 230,000 |
| El Centro, CA | 2 | $ 710,000 | $ 355,000 | $ 122,000 |
| Fresno, CA | 2 | $ 1,040,000 | $ 520,000 | $ 204,000 |
| Hanford-Corcoran, CA | 2 | $ 490,000 | $ 245,000 | $ 261,000 |
| Lakewood-New Brunswick, NJ | 2 | $ 910,000 | $ 455,000 | $ 246,000 |
| Memphis, TN-MS-AR | 2 | $ 1,120,000 | $ 560,000 | $ 193,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,020,000 | $ 510,000 | $ 468,000 |
| Modesto, CA | 2 | $ 670,000 | $ 335,000 | $ 217,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 670,000 | $ 335,000 | $ 17,000 |
| Norwich-New London, CT | 2 | $ 1,100,000 | $ 550,000 | $ 225,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 1,110,000 | $ 555,000 | $ 185,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 760,000 | $ 380,000 | $ 93,000 |
| Pittsfield, MA | 2 | $ 460,000 | $ 230,000 | $ 0 |
| Port St. Lucie, FL | 2 | $ 420,000 | $ 210,000 | $ 87,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 950,000 | $ 475,000 | $ 246,000 |
| Sherman-Denison, TX | 2 | $ 620,000 | $ 310,000 | $ 243,000 |
| Vallejo-Fairfield, CA | 2 | $ 930,000 | $ 465,000 | $ 249,000 |
| Wilmington, NC | 2 | $ 950,000 | $ 475,000 | $ 296,000 |
| Winchester, VA-WV | 2 | $ 1,200,000 | $ 600,000 | $ 174,000 |
| Akron, OH | 1 | $ 235,000 | $ 235,000 | $ 174,000 |
| Albuquerque, NM | 1 | $ 245,000 | $ 245,000 | $ 69,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 225,000 | $ 225,000 | $ 155,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 255,000 | $ 255,000 | $ 150,000 |
| Barnstable Town, MA | 1 | $ 805,000 | $ 805,000 | $ 601,000 |
| Bellingham, WA | 1 | $ 615,000 | $ 615,000 | $ 238,000 |
| Bend-Redmond, OR | 1 | $ 405,000 | $ 405,000 | $ 89,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Boulder, CO | 1 | $ 515,000 | $ 515,000 | $ 98,000 |
| Bremerton-Silverdale, WA | 1 | $ 475,000 | $ 475,000 | $ 166,000 |
| Carson City, NV | 1 | $ 405,000 | $ 405,000 | $ 453,000 |
| Casper, WY | 1 | $ 515,000 | $ 515,000 | $ 627,000 |
| Chicago-Naperville, IL | 1 | $ 405,000 | $ 405,000 | $ 231,000 |
| Clarksville, TN-KY | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 295,000 | $ 295,000 | $ 67,000 |
| College Station-Bryan, TX | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Columbus, OH | 1 | $ 275,000 | $ 275,000 | $ 82,000 |
| Corpus Christi, TX | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 285,000 | $ 285,000 | $ 58,000 |
| Durham-Chapel Hill, NC | 1 | $ 385,000 | $ 385,000 | $ 112,000 |
| El Paso, TX | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 265,000 | $ 265,000 | $ 341,000 |
| Flagstaff, AZ | 1 | $ 1,655,000 | $ 1,655,000 | $ 501,000 |
| Fort Wayne, IN | 1 | $ 345,000 | $ 345,000 | $ 167,000 |
| Grand Junction, CO | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 185,000 | $ 185,000 | $ 102,000 |
| Grants Pass, OR | 1 | $ 535,000 | $ 535,000 | $ 112,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 505,000 | $ 505,000 | $ 215,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 345,000 | $ 345,000 | $ 212,000 |
| Homosassa Springs, FL | 1 | $ 355,000 | $ 355,000 | $ 58,000 |
| Jacksonville, FL | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Knoxville, TN | 1 | $ 275,000 | $ 275,000 | $ 234,000 |
| Lafayette-West Lafayette, IN | 1 | $ 235,000 | $ 235,000 | $ 251,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 875,000 | $ 875,000 | $ 506,000 |
| Longview, TX | 1 | $ 295,000 | $ 295,000 | $ 154,000 |
| Lynchburg, VA | 1 | $ 515,000 | $ 515,000 | $ 256,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 255,000 | $ 255,000 | $ 107,000 |
| Midland, TX | 1 | $ 215,000 | $ 215,000 | $ 199,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 605,000 | $ 605,000 | $ 310,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 435,000 | $ 435,000 | $ 105,000 |
| Napa, CA | 1 | $ 315,000 | $ 315,000 | $ 177,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 195,000 | $ 195,000 | $ 88,000 |
| Philadelphia, PA | 1 | $ 635,000 | $ 635,000 | $ 309,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 355,000 | $ 355,000 | $ 83,000 |
| Providence-Warwick, RI-MA | 1 | $ 465,000 | $ 465,000 | $ 105,000 |
| Provo-Orem, UT | 1 | $ 725,000 | $ 725,000 | $ 204,000 |
| Salem, OR | 1 | $ 435,000 | $ 435,000 | $ 108,000 |
| Santa Rosa, CA | 1 | $ 325,000 | $ 325,000 | $ 80,000 |
| Spartanburg, SC | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| Springfield, MA | 1 | $ 245,000 | $ 245,000 | $ 234,000 |
| St. George, UT | 1 | $ 315,000 | $ 315,000 | $ 379,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 255,000 | $ 255,000 | $ 107,000 |
| Tacoma-Lakewood, WA | 1 | $ 755,000 | $ 755,000 | $ 288,000 |
| Trenton, NJ | 1 | $ 505,000 | $ 505,000 | $ 167,000 |
| Tulsa, OK | 1 | $ 275,000 | $ 275,000 | $ 127,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 75,000 | $ 75,000 | $ 85,000 |
| Waco, TX | 1 | $ 245,000 | $ 245,000 | $ 622,000 |
| Waterbury-Shelton, CT | 1 | $ 315,000 | $ 315,000 | $ 157,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 2,025,000 | $ 2,025,000 | $ 686,000 |
| Winston-Salem, NC | 1 | $ 225,000 | $ 225,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for Watermark Capital, Inc. in 2025
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 | 474 | $262,060,000 | $552,000 | $3,505,000 | $254,000 | $3,873,000 |
| Refinancing | 255 | $150,495,000 | $590,000 | $12,575,000 | $233,000 | $5,946,000 |
| Cash-out Refinancing | 152 | $74,840,000 | $492,000 | $1,985,000 | $175,000 | $2,095,000 |
| Home Improvement | 28 | $24,900,000 | $889,000 | $7,995,000 | $683,000 | $6,500,000 |
| 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 | 552 | $335,520,000 | $607,000 | $12,575,000 | $282,000 | $6,500,000 |
| Asian | 116 | $64,710,000 | $557,000 | $1,985,000 | $247,000 | $1,211,000 |
| Not Provided | 108 | $50,430,000 | $466,000 | $2,005,000 | $171,000 | $846,000 |
| Hispanic | 103 | $47,005,000 | $456,000 | $1,465,000 | $171,000 | $579,000 |
| Black or African American | 30 | $14,630,000 | $487,000 | $1,985,000 | $172,000 | $453,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 827 | $473,695,000 | $572,000 | $12,575,000 | $259,000 | $6,500,000 |
| VA-guaranteed (Veterans Administration) | 45 | $22,165,000 | $492,000 | $1,205,000 | $132,000 | $328,000 |
| FHA-insured (Federal Housing Administration) | 37 | $16,435,000 | $444,000 | $1,085,000 | $147,000 | $387,000 |
| 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 | 696 | $383,080,000 | $550,000 | $3,505,000 | $249,000 | $3,948,000 |
| Application Approved But Not Accepted | 115 | $71,295,000 | $619,000 | $12,575,000 | $252,000 | $5,946,000 |
| Application Withdrawn By Applicant | 59 | $39,365,000 | $667,000 | $7,995,000 | $280,000 | $6,500,000 |
| Application Denied By Financial Institution | 38 | $18,320,000 | $482,000 | $1,255,000 | $174,000 | $694,000 |
| Preapproval Approved but not Accepted | 1 | $235,000 | $235,000 | $235,000 | $251,000 | $251,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 871 | $493,975,000 | $567,000 | $12,575,000 | $251,000 | $6,500,000 |
| Collateral | 15 | $7,205,000 | $480,000 | $985,000 | $181,000 | $350,000 |
| Debt-To-Income Ratio | 11 | $6,275,000 | $570,000 | $1,255,000 | $157,000 | $295,000 |
| Other | 6 | $2,640,000 | $440,000 | $805,000 | $225,000 | $694,000 |
| Employment History | 4 | $1,270,000 | $317,000 | $535,000 | $127,000 | $260,000 |
| Unverifiable Information | 1 | $525,000 | $525,000 | $525,000 | $209,000 | $209,000 |
| Credit History | 1 | $405,000 | $405,000 | $405,000 | $121,000 | $121,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Watermark Capital, Inc.'s 2025 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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