Watermark Capital, Inc. Mortgage Lending & HMDA Data, 2015
In 2015, Watermark Capital, Inc. of Irvine, CA reported 1,823 mortgage applications totaling $1.1 billion, up 71% from 2014. The average application was for $581,097, and applicants reported an average income of $193,705. 77% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (406), Anaheim-Santa Ana-Irvine, CA (267) and San Diego-Carlsbad, CA (192) (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 | 1,823 |
| Total Mortgage Loan Application Amount | $1,059,340,000 |
| Average Mortgage Loan Application Amount | $581,097 |
| Highest Mortgage Loan Application Amount | $3,250,000 |
| Average Applicant Income | $193,705 |
| Highest Applicant Income | $1,956,000 |
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(HMDA) records Watermark Capital, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 406 | $ 251,028,000 | $ 618,295 | $ 202,000 |
| Anaheim-Santa Ana-Irvine, CA | 267 | $ 153,418,000 | $ 574,599 | $ 185,000 |
| San Diego-Carlsbad, CA | 192 | $ 105,500,000 | $ 549,479 | $ 172,000 |
| Oakland-Hayward-Berkeley, CA | 138 | $ 96,075,000 | $ 696,195 | $ 200,000 |
| San Francisco-Redwood City-South San Francisco, CA | 101 | $ 75,225,000 | $ 744,801 | $ 251,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 87 | $ 62,767,000 | $ 721,459 | $ 234,000 |
| Riverside-San Bernardino-Ontario, CA | 80 | $ 26,382,000 | $ 329,775 | $ 132,000 |
| Seattle-Bellevue-Everett, WA | 63 | $ 40,746,000 | $ 646,761 | $ 201,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 59 | $ 31,342,000 | $ 531,220 | $ 170,101 |
| Sacramento--Roseville--Arden-Arcade, CA | 38 | $ 13,492,000 | $ 355,052 | $ 122,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 27 | $ 16,349,000 | $ 605,518 | $ 249,000 |
| Cambridge-Newton-Framingham, MA | 22 | $ 15,969,000 | $ 725,863 | $ 242,000 |
| Denver-Aurora-Lakewood, CO | 21 | $ 10,429,000 | $ 496,619 | $ 179,000 |
| Silver Spring-Frederick-Rockville, MD | 17 | $ 10,449,000 | $ 614,647 | $ 217,000 |
| Baltimore-Columbia-Towson, MD | 16 | $ 6,821,000 | $ 426,312 | $ 143,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 16 | $ 6,604,000 | $ 412,750 | $ 181,750 |
| Houston-The Woodlands-Sugar Land, TX | 12 | $ 5,065,000 | $ 422,083 | $ 244,000 |
| Phoenix-Mesa-Scottsdale, AZ | 12 | $ 4,580,000 | $ 381,666 | $ 178,000 |
| San Rafael, CA | 12 | $ 8,926,000 | $ 743,833 | $ 230,000 |
| Santa Cruz-Watsonville, CA | 12 | $ 7,339,000 | $ 611,583 | $ 185,000 |
| Santa Maria-Santa Barbara, CA | 11 | $ 7,070,000 | $ 642,727 | $ 211,000 |
| Las Vegas-Henderson-Paradise, NV | 10 | $ 5,749,000 | $ 574,900 | $ 169,000 |
| Tacoma-Lakewood, WA | 10 | $ 4,853,000 | $ 485,300 | $ 288,000 |
| Reno, NV | 9 | $ 4,236,000 | $ 470,666 | $ 153,000 |
| Newark, NJ-PA | 8 | $ 3,576,000 | $ 447,000 | $ 119,000 |
| Salinas, CA | 8 | $ 5,349,000 | $ 668,625 | $ 239,000 |
| Santa Rosa, CA | 8 | $ 4,463,000 | $ 557,875 | $ 175,000 |
| Boston, MA | 7 | $ 5,030,000 | $ 718,571 | $ 255,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 7 | $ 4,816,000 | $ 688,000 | $ 158,000 |
| Vallejo-Fairfield, CA | 7 | $ 1,800,000 | $ 257,142 | $ 110,000 |
| Austin-Round Rock, TX | 6 | $ 3,313,000 | $ 552,166 | $ 209,000 |
| Dallas-Plano-Irving, TX | 6 | $ 4,458,000 | $ 743,000 | $ 295,000 |
| Bakersfield, CA | 5 | $ 1,381,000 | $ 276,200 | $ 23,000 |
| Lake Havasu City-Kingman, AZ | 5 | $ 749,000 | $ 149,800 | $ 154,000 |
| Indianapolis-Carmel-Anderson, IN | 4 | $ 1,625,000 | $ 406,250 | $ 103,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 1,082,000 | $ 270,500 | $ 120,000 |
| Port St. Lucie, FL | 4 | $ 600,000 | $ 150,000 | $ 84,000 |
| Stockton-Lodi, CA | 4 | $ 1,903,000 | $ 475,750 | $ 146,000 |
| Barnstable Town, MA | 3 | $ 1,582,000 | $ 527,333 | $ 546,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 1,446,000 | $ 482,000 | $ 123,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 1,465,000 | $ 488,333 | $ 168,000 |
| Fort Worth-Arlington, TX | 3 | $ 993,000 | $ 331,000 | $ 136,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 929,000 | $ 309,666 | $ 144,000 |
| Jacksonville, FL | 3 | $ 1,005,000 | $ 335,000 | $ 300,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 1,815,000 | $ 605,000 | $ 191,000 |
| Napa, CA | 3 | $ 2,016,000 | $ 672,000 | $ 225,000 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 2,172,000 | $ 724,000 | $ 172,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 1,779,000 | $ 593,000 | $ 165,000 |
| Pittsburgh, PA | 3 | $ 2,097,000 | $ 699,000 | $ 274,000 |
| Prescott, AZ | 3 | $ 635,000 | $ 211,666 | $ 56,000 |
| Worcester, MA-CT | 3 | $ 1,671,000 | $ 557,000 | $ 194,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 840,000 | $ 420,000 | $ 127,000 |
| Boulder, CO | 2 | $ 966,000 | $ 483,000 | $ 243,000 |
| Greeley, CO | 2 | $ 560,000 | $ 280,000 | $ 53,000 |
| Modesto, CA | 2 | $ 758,000 | $ 379,000 | $ 125,000 |
| Philadelphia, PA | 2 | $ 1,355,000 | $ 677,500 | $ 359,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 1,438,000 | $ 719,000 | $ 409,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 631,000 | $ 315,500 | $ 111,000 |
| Visalia-Porterville, CA | 2 | $ 540,000 | $ 270,000 | $ 295,000 |
| Abilene, TX | 1 | $ 125,000 | $ 125,000 | $ 113,000 |
| Bellingham, WA | 1 | $ 417,000 | $ 417,000 | $ 154,000 |
| Bend-Redmond, OR | 1 | $ 840,000 | $ 840,000 | $ 215,000 |
| Bremerton-Silverdale, WA | 1 | $ 420,000 | $ 420,000 | $ 93,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 1,298,000 | $ 1,298,000 | $ 318,000 |
| California-Lexington Park, MD | 1 | $ 468,000 | $ 468,000 | $ 236,000 |
| Camden, NJ | 1 | $ 417,000 | $ 417,000 | $ 281,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 324,000 | $ 324,000 | $ 226,000 |
| Chico, CA | 1 | $ 382,000 | $ 382,000 | $ 309,000 |
| Colorado Springs, CO | 1 | $ 350,000 | $ 350,000 | $ 134,000 |
| Corpus Christi, TX | 1 | $ 640,000 | $ 640,000 | $ 401,000 |
| El Paso, TX | 1 | $ 160,000 | $ 160,000 | $ 282,000 |
| Erie, PA | 1 | $ 526,000 | $ 526,000 | $ 266,000 |
| Fayetteville, NC | 1 | $ 157,000 | $ 157,000 | $ 64,000 |
| Fresno, CA | 1 | $ 219,000 | $ 219,000 | $ 110,000 |
| Merced, CA | 1 | $ 70,000 | $ 70,000 | $ 160,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 330,000 | $ 330,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 496,000 | $ 496,000 | $ 164,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 601,000 | $ 601,000 | $ 276,000 |
| Pittsfield, MA | 1 | $ 345,000 | $ 345,000 | $ 312,000 |
| Raleigh, NC | 1 | $ 513,000 | $ 513,000 | $ 201,000 |
| Redding, CA | 1 | $ 195,000 | $ 195,000 | $ 404,000 |
| Richmond, VA | 1 | $ 562,000 | $ 562,000 | $ 186,000 |
| Spokane-Spokane Valley, WA | 1 | $ 575,000 | $ 575,000 | $ 128,000 |
| Tucson, AZ | 1 | $ 308,000 | $ 308,000 | $ 133,000 |
| Wenatchee, WA | 1 | $ 464,000 | $ 464,000 | $ 131,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 694,000 | $ 694,000 | $ 199,000 |
| Williamsport, PA | 1 | $ 389,000 | $ 389,000 | $ 165,000 |
| Yuba City, CA | 1 | $ 245,000 | $ 245,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Watermark Capital, Inc. in 2015
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 | 1,351 | $797,895,000 | $590,000 | $2,280,000 | $195,000 | $1,956,000 |
| Home Purchase | 472 | $261,445,000 | $553,000 | $3,250,000 | $190,000 | $1,605,000 |
| 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 | 1,197 | $712,927,000 | $595,000 | $3,250,000 | $200,000 | $1,626,000 |
| Asian | 312 | $188,454,000 | $604,000 | $2,838,000 | $193,000 | $682,000 |
| Hispanic | 133 | $58,021,000 | $436,000 | $1,364,000 | $134,000 | $1,178,000 |
| Not Provided | 123 | $71,587,000 | $582,000 | $1,540,000 | $221,000 | $1,956,000 |
| Black or African American | 39 | $18,239,000 | $467,000 | $1,817,000 | $122,000 | $506,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $6,916,000 | $532,000 | $1,000,000 | $154,000 | $404,000 |
| American Indian or Alaskan Native | 5 | $2,163,000 | $432,000 | $640,000 | $108,000 | $180,000 |
| Not applicable | 1 | $1,033,000 | $1,033,000 | $1,033,000 | $276,000 | $276,000 |
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) | 1,613 | $975,591,000 | $604,000 | $3,250,000 | $210,000 | $1,956,000 |
| FHA-insured (Federal Housing Administration) | 136 | $53,192,000 | $391,000 | $684,000 | $68,000 | $310,000 |
| VA-guaranteed (Veterans Administration) | 74 | $30,557,000 | $412,000 | $1,222,000 | $71,000 | $443,000 |
| 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 | 1,404 | $798,119,000 | $568,000 | $3,250,000 | $193,000 | $1,605,000 |
| Application Withdrawn By Applicant | 235 | $150,787,000 | $641,000 | $2,000,000 | $203,000 | $1,956,000 |
| Application Denied By Financial Institution | 114 | $66,634,000 | $584,000 | $1,496,000 | $184,000 | $1,626,000 |
| File Closed For Incompleteness | 56 | $36,841,000 | $657,000 | $2,100,000 | $195,000 | $493,000 |
| Application Approved But Not Accepted | 14 | $6,959,000 | $497,000 | $1,080,000 | $147,000 | $305,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 2015 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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