Watermark Capital, Inc. Mortgage Lending & HMDA Data, 2017
In 2017, Watermark Capital, Inc. of Irvine, CA reported 2,104 mortgage applications totaling $931.0 million, down 19% from 2016. The average application was for $442,506, and applicants reported an average income of $160,679. 78% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (342), Anaheim-Santa Ana-Irvine, CA (184) and San Diego-Carlsbad, CA (175) (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 | 2,104 |
| Total Mortgage Loan Application Amount | $931,033,000 |
| Average Mortgage Loan Application Amount | $442,506 |
| Highest Mortgage Loan Application Amount | $2,170,000 |
| Average Applicant Income | $160,679 |
| Highest Applicant Income | $2,617,000 |
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(HMDA) records Watermark Capital, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 342 | $ 196,158,000 | $ 573,561 | $ 193,000 |
| Anaheim-Santa Ana-Irvine, CA | 184 | $ 99,056,000 | $ 538,347 | $ 179,000 |
| San Diego-Carlsbad, CA | 175 | $ 80,967,000 | $ 462,668 | $ 141,000 |
| Riverside-San Bernardino-Ontario, CA | 149 | $ 50,383,000 | $ 338,140 | $ 125,000 |
| Phoenix-Mesa-Scottsdale, AZ | 130 | $ 39,192,000 | $ 301,476 | $ 118,000 |
| Oakland-Hayward-Berkeley, CA | 75 | $ 39,458,000 | $ 526,106 | $ 165,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 68 | $ 30,255,000 | $ 444,926 | $ 164,794 |
| Sacramento--Roseville--Arden-Arcade, CA | 59 | $ 23,112,000 | $ 391,728 | $ 142,000 |
| Seattle-Bellevue-Everett, WA | 52 | $ 25,848,000 | $ 497,076 | $ 214,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 48 | $ 22,739,000 | $ 473,729 | $ 174,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 48 | $ 19,623,000 | $ 408,812 | $ 153,562 |
| San Jose-Sunnyvale-Santa Clara, CA | 44 | $ 28,427,000 | $ 646,068 | $ 191,000 |
| Denver-Aurora-Lakewood, CO | 42 | $ 17,652,000 | $ 420,285 | $ 136,000 |
| Las Vegas-Henderson-Paradise, NV | 39 | $ 10,203,000 | $ 261,615 | $ 83,000 |
| Baltimore-Columbia-Towson, MD | 34 | $ 14,446,000 | $ 424,882 | $ 182,000 |
| Fresno, CA | 33 | $ 8,006,000 | $ 242,606 | $ 84,000 |
| Silver Spring-Frederick-Rockville, MD | 26 | $ 12,533,000 | $ 482,038 | $ 207,000 |
| San Francisco-Redwood City-South San Francisco, CA | 24 | $ 12,891,000 | $ 537,125 | $ 216,000 |
| Boston, MA | 21 | $ 8,319,000 | $ 396,142 | $ 147,000 |
| Cambridge-Newton-Framingham, MA | 21 | $ 9,328,000 | $ 444,190 | $ 170,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 21 | $ 8,342,000 | $ 397,238 | $ 162,000 |
| Tampa-St. Petersburg-Clearwater, FL | 16 | $ 5,129,000 | $ 320,562 | $ 139,000 |
| Charlotte-Concord-Gastonia, NC-SC | 13 | $ 4,178,000 | $ 321,384 | $ 120,000 |
| Dallas-Plano-Irving, TX | 12 | $ 3,526,000 | $ 293,833 | $ 122,000 |
| Reno, NV | 12 | $ 3,592,000 | $ 299,333 | $ 96,000 |
| Salt Lake City, UT | 12 | $ 4,460,000 | $ 371,666 | $ 123,000 |
| San Rafael, CA | 12 | $ 6,845,000 | $ 570,416 | $ 181,000 |
| Stockton-Lodi, CA | 12 | $ 5,767,000 | $ 480,583 | $ 182,000 |
| Santa Cruz-Watsonville, CA | 11 | $ 5,516,000 | $ 501,454 | $ 211,000 |
| Santa Rosa, CA | 11 | $ 5,283,000 | $ 480,272 | $ 164,000 |
| Vallejo-Fairfield, CA | 11 | $ 4,098,000 | $ 372,545 | $ 108,000 |
| Montgomery County-Bucks County-Chester County, PA | 10 | $ 3,311,000 | $ 331,100 | $ 171,000 |
| Orlando-Kissimmee-Sanford, FL | 10 | $ 4,348,000 | $ 434,800 | $ 162,000 |
| Salinas, CA | 10 | $ 3,614,000 | $ 361,400 | $ 156,000 |
| Raleigh, NC | 8 | $ 3,343,000 | $ 417,875 | $ 173,000 |
| Bridgeport-Stamford-Norwalk, CT | 7 | $ 3,339,000 | $ 477,000 | $ 180,000 |
| Newark, NJ-PA | 7 | $ 5,243,000 | $ 749,000 | $ 207,000 |
| Richmond, VA | 7 | $ 2,587,000 | $ 369,571 | $ 161,000 |
| Tacoma-Lakewood, WA | 7 | $ 2,193,000 | $ 313,285 | $ 159,000 |
| Boulder, CO | 6 | $ 3,138,000 | $ 523,000 | $ 157,000 |
| Greensboro-High Point, NC | 6 | $ 1,282,000 | $ 213,666 | $ 142,000 |
| Memphis, TN-MS-AR | 6 | $ 2,276,000 | $ 379,333 | $ 241,000 |
| New York-Jersey City-White Plains, NY-NJ | 6 | $ 2,465,000 | $ 410,833 | $ 226,000 |
| Provo-Orem, UT | 6 | $ 2,110,000 | $ 351,666 | $ 88,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 6 | $ 2,453,000 | $ 408,833 | $ 172,000 |
| Tucson, AZ | 6 | $ 1,295,000 | $ 215,833 | $ 56,000 |
| Bremerton-Silverdale, WA | 5 | $ 2,473,000 | $ 494,600 | $ 230,000 |
| Houston-The Woodlands-Sugar Land, TX | 5 | $ 1,715,000 | $ 343,000 | $ 189,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,479,000 | $ 295,800 | $ 255,000 |
| Santa Maria-Santa Barbara, CA | 5 | $ 2,729,000 | $ 545,800 | $ 292,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 2,231,000 | $ 446,200 | $ 395,000 |
| Worcester, MA-CT | 5 | $ 1,411,000 | $ 282,200 | $ 114,000 |
| York-Hanover, PA | 5 | $ 1,751,000 | $ 350,200 | $ 128,000 |
| Yuba City, CA | 5 | $ 979,000 | $ 195,800 | $ 47,000 |
| Austin-Round Rock, TX | 4 | $ 1,518,000 | $ 379,500 | $ 134,000 |
| Bakersfield, CA | 4 | $ 2,052,000 | $ 513,000 | $ 236,000 |
| Colorado Springs, CO | 4 | $ 1,535,000 | $ 383,750 | $ 138,000 |
| Eugene, OR | 4 | $ 1,698,000 | $ 424,500 | $ 181,000 |
| Fort Collins, CO | 4 | $ 1,113,000 | $ 278,250 | $ 96,000 |
| Greeley, CO | 4 | $ 1,484,000 | $ 371,000 | $ 132,000 |
| Indianapolis-Carmel-Anderson, IN | 4 | $ 670,000 | $ 167,500 | $ 90,000 |
| Knoxville, TN | 4 | $ 1,593,000 | $ 398,250 | $ 182,000 |
| New Haven-Milford, CT | 4 | $ 1,256,000 | $ 314,000 | $ 127,000 |
| Philadelphia, PA | 4 | $ 1,515,000 | $ 378,750 | $ 140,000 |
| Spokane-Spokane Valley, WA | 4 | $ 1,115,000 | $ 278,750 | $ 182,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,054,000 | $ 263,500 | $ 121,000 |
| Chico, CA | 3 | $ 1,056,000 | $ 352,000 | $ 637,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,544,000 | $ 514,666 | $ 170,000 |
| Durham-Chapel Hill, NC | 3 | $ 1,366,000 | $ 455,333 | $ 235,000 |
| Flagstaff, AZ | 3 | $ 1,202,000 | $ 400,666 | $ 147,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 1,148,000 | $ 382,666 | $ 166,000 |
| Grand Junction, CO | 3 | $ 1,311,000 | $ 437,000 | $ 106,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 822,000 | $ 274,000 | $ 154,000 |
| Modesto, CA | 3 | $ 725,000 | $ 241,666 | $ 33,000 |
| Ogden-Clearfield, UT | 3 | $ 835,000 | $ 278,333 | $ 87,000 |
| Olympia-Tumwater, WA | 3 | $ 952,000 | $ 317,333 | $ 142,000 |
| Pittsburgh, PA | 3 | $ 801,000 | $ 267,000 | $ 97,000 |
| Prescott, AZ | 3 | $ 714,000 | $ 238,000 | $ 149,000 |
| Providence-Warwick, RI-MA | 3 | $ 973,000 | $ 324,333 | $ 165,000 |
| St. George, UT | 3 | $ 1,060,000 | $ 353,333 | $ 111,000 |
| Visalia-Porterville, CA | 3 | $ 802,000 | $ 267,333 | $ 78,000 |
| Albany, OR | 2 | $ 504,000 | $ 252,000 | $ 102,000 |
| Bellingham, WA | 2 | $ 806,000 | $ 403,000 | $ 139,000 |
| Camden, NJ | 2 | $ 710,000 | $ 355,000 | $ 164,000 |
| Clarksville, TN-KY | 2 | $ 548,000 | $ 274,000 | $ 101,000 |
| Fort Worth-Arlington, TX | 2 | $ 254,000 | $ 127,000 | $ 27,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 801,000 | $ 400,500 | $ 181,000 |
| Lafayette-West Lafayette, IN | 2 | $ 531,000 | $ 265,500 | $ 102,000 |
| Merced, CA | 2 | $ 372,000 | $ 186,000 | $ 98,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 785,000 | $ 392,500 | $ 122,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 886,000 | $ 443,000 | $ 111,000 |
| Ocala, FL | 2 | $ 550,000 | $ 275,000 | $ 136,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 653,000 | $ 326,500 | $ 194,000 |
| Punta Gorda, FL | 2 | $ 313,000 | $ 156,500 | $ 130,000 |
| Salem, OR | 2 | $ 597,000 | $ 298,500 | $ 82,000 |
| Trenton, NJ | 2 | $ 776,000 | $ 388,000 | $ 134,000 |
| Wenatchee, WA | 2 | $ 637,000 | $ 318,500 | $ 370,000 |
| Barnstable Town, MA | 1 | $ 449,000 | $ 449,000 | $ 201,000 |
| Bend-Redmond, OR | 1 | $ 409,000 | $ 409,000 | $ 145,000 |
| Burlington, NC | 1 | $ 284,000 | $ 284,000 | $ 161,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 197,000 | $ 197,000 | $ 53,000 |
| East Stroudsburg, PA | 1 | $ 372,000 | $ 372,000 | $ 504,000 |
| Harrisonburg, VA | 1 | $ 347,000 | $ 347,000 | $ 200,000 |
| Homosassa Springs, FL | 1 | $ 235,000 | $ 235,000 | $ 111,000 |
| Jacksonville, FL | 1 | $ 262,000 | $ 262,000 | $ 157,000 |
| Kennewick-Richland, WA | 1 | $ 340,000 | $ 340,000 | $ 86,000 |
| Killeen-Temple, TX | 1 | $ 176,000 | $ 176,000 | $ 104,000 |
| Lynchburg, VA | 1 | $ 244,000 | $ 244,000 | $ 107,000 |
| Madera, CA | 1 | $ 402,000 | $ 402,000 | $ 149,000 |
| Medford, OR | 1 | $ 189,000 | $ 189,000 | $ 155,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 375,000 | $ 375,000 | $ 95,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Oklahoma City, OK | 1 | $ 190,000 | $ 190,000 | $ 71,000 |
| Roanoke, VA | 1 | $ 360,000 | $ 360,000 | $ 883,000 |
| Sebastian-Vero Beach, FL | 1 | $ 215,000 | $ 215,000 | $ 44,000 |
| State College, PA | 1 | $ 290,000 | $ 290,000 | $ 90,000 |
| Tallahassee, FL | 1 | $ 366,000 | $ 366,000 | $ 81,000 |
| The Villages, FL | 1 | $ 365,000 | $ 365,000 | $ 81,000 |
| Tulsa, OK | 1 | $ 276,000 | $ 276,000 | $ 118,000 |
| Urban Honolulu, HI | 1 | $ 290,000 | $ 290,000 | $ 272,000 |
| Walla Walla, WA | 1 | $ 364,000 | $ 364,000 | $ 112,000 |
| Wilmington, NC | 1 | $ 161,000 | $ 161,000 | $ 168,000 |
| Winchester, VA-WV | 1 | $ 518,000 | $ 518,000 | $ 215,000 |
Mortgage Loan Application Detail Totals for Watermark Capital, Inc. in 2017
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 | 1,209 | $535,057,000 | $442,000 | $2,170,000 | $156,000 | $1,481,000 |
| Home Purchase | 895 | $395,976,000 | $442,000 | $1,952,000 | $167,000 | $2,617,000 |
| 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 | 1,258 | $564,078,000 | $448,000 | $2,170,000 | $164,000 | $2,617,000 |
| Asian | 285 | $135,371,000 | $474,000 | $1,600,000 | $179,000 | $1,789,000 |
| Not Provided | 262 | $119,558,000 | $456,000 | $1,713,000 | $179,000 | $976,000 |
| Hispanic | 215 | $78,139,000 | $363,000 | $825,000 | $115,000 | $1,269,000 |
| Black or African American | 62 | $23,323,000 | $376,000 | $735,000 | $112,000 | $301,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $7,806,000 | $487,000 | $792,000 | $153,000 | $317,000 |
| American Indian or Alaskan Native | 4 | $1,600,000 | $400,000 | $641,000 | $127,000 | $206,000 |
| Not applicable | 2 | $1,158,000 | $579,000 | $650,000 | $65,000 | $130,000 |
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) | 1,830 | $828,430,000 | $452,000 | $2,170,000 | $173,000 | $2,617,000 |
| FHA-insured (Federal Housing Administration) | 184 | $63,601,000 | $345,000 | $735,000 | $67,000 | $268,000 |
| VA-guaranteed (Veterans Administration) | 90 | $39,002,000 | $433,000 | $1,136,000 | $113,000 | $295,000 |
| 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 | 1,633 | $714,328,000 | $437,000 | $2,170,000 | $162,000 | $2,617,000 |
| Application Withdrawn By Applicant | 202 | $89,966,000 | $445,000 | $1,775,000 | $164,000 | $1,060,000 |
| Application Approved But Not Accepted | 131 | $64,586,000 | $493,000 | $1,440,000 | $149,000 | $424,000 |
| Application Denied By Financial Institution | 130 | $57,930,000 | $445,000 | $1,291,000 | $138,000 | $428,000 |
| File Closed For Incompleteness | 7 | $3,658,000 | $522,000 | $776,000 | $444,000 | $1,789,000 |
| Preapproval Approved but not Accepted | 1 | $565,000 | $565,000 | $565,000 | $110,000 | $110,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 52 | $20,440,000 | $393,000 | $940,000 | $151,000 | $428,000 |
| Debt-To-Income Ratio | 30 | $16,023,000 | $534,000 | $1,160,000 | $130,000 | $326,000 |
| Credit History | 19 | $8,038,000 | $423,000 | $808,000 | $137,000 | $273,000 |
| Other | 9 | $3,685,000 | $409,000 | $850,000 | $103,000 | $196,000 |
| Employment History | 5 | $2,021,000 | $404,000 | $615,000 | $103,000 | $111,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $2,344,000 | $586,000 | $746,000 | $197,000 | $297,000 |
| Credit Application Incomplete | 2 | $1,324,000 | $662,000 | $724,000 | $102,000 | $126,000 |
| Unverifiable Information | 1 | $299,000 | $299,000 | $299,000 | $172,000 | $172,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Watermark Capital, Inc.'s 2017 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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