Watermark Capital, Inc. Mortgage Lending & HMDA Data, 2022
In 2022, Watermark Capital, Inc. of Irvine, CA reported 3,240 mortgage applications totaling $1.4 billion, down 70% from 2021. The average application was for $425,314, and applicants reported an average income of $168,202. 79% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (366), Los Angeles-Long Beach-Glendale, CA (247) and Houston-The Woodlands-Sugar Land, TX (168) (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 | 3,240 |
| Total Mortgage Loan Application Amount | $1,378,020,000 |
| Average Mortgage Loan Application Amount | $425,314 |
| Highest Mortgage Loan Application Amount | $3,565,000 |
| Average Applicant Income | $168,202 |
| Highest Applicant Income | $2,021,000 |
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(HMDA) records Watermark Capital, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 366 | $ 134,010,000 | $ 366,147 | $ 134,000 |
| Los Angeles-Long Beach-Glendale, CA | 247 | $ 161,905,000 | $ 655,485 | $ 208,000 |
| Outside any metro area | 185 | $ 57,465,000 | $ 310,621 | $ 147,594 |
| Houston-The Woodlands-Sugar Land, TX | 168 | $ 70,480,000 | $ 419,523 | $ 198,000 |
| Dallas-Plano-Irving, TX | 165 | $ 75,925,000 | $ 460,151 | $ 202,000 |
| Riverside-San Bernardino-Ontario, CA | 132 | $ 55,790,000 | $ 422,651 | $ 164,000 |
| Anaheim-Santa Ana-Irvine, CA | 122 | $ 79,330,000 | $ 650,245 | $ 202,000 |
| Las Vegas-Henderson-Paradise, NV | 97 | $ 33,375,000 | $ 344,072 | $ 133,000 |
| Fort Worth-Arlington, TX | 88 | $ 38,920,000 | $ 442,272 | $ 228,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 84 | $ 35,160,000 | $ 418,571 | $ 151,000 |
| San Diego-Carlsbad, CA | 79 | $ 45,265,000 | $ 572,974 | $ 187,000 |
| Austin-Round Rock, TX | 78 | $ 33,850,000 | $ 433,974 | $ 176,000 |
| Oakland-Hayward-Berkeley, CA | 57 | $ 38,795,000 | $ 680,614 | $ 202,000 |
| Oklahoma City, OK | 54 | $ 15,570,000 | $ 288,333 | $ 304,000 |
| San Antonio-New Braunfels, TX | 54 | $ 13,650,000 | $ 252,777 | $ 130,000 |
| Tucson, AZ | 46 | $ 12,910,000 | $ 280,652 | $ 123,000 |
| San Francisco-Redwood City-South San Francisco, CA | 44 | $ 30,580,000 | $ 695,000 | $ 221,000 |
| Cambridge-Newton-Framingham, MA | 39 | $ 18,545,000 | $ 475,512 | $ 171,000 |
| Bakersfield, CA | 36 | $ 11,370,000 | $ 315,833 | $ 142,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 34 | $ 12,960,000 | $ 381,176 | $ 129,176 |
| Atlanta-Sandy Springs-Roswell, GA | 32 | $ 7,050,000 | $ 220,312 | $ 115,000 |
| Hartford-West Hartford-East Hartford, CT | 31 | $ 7,695,000 | $ 248,225 | $ 148,000 |
| Reno, NV | 31 | $ 14,795,000 | $ 477,258 | $ 175,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 31 | $ 28,205,000 | $ 909,838 | $ 249,000 |
| Bridgeport-Stamford-Norwalk, CT | 29 | $ 17,615,000 | $ 607,413 | $ 254,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 28 | $ 17,790,000 | $ 635,357 | $ 224,000 |
| Salt Lake City, UT | 26 | $ 13,640,000 | $ 524,615 | $ 177,000 |
| Tulsa, OK | 26 | $ 5,520,000 | $ 212,307 | $ 106,000 |
| Baltimore-Columbia-Towson, MD | 25 | $ 8,075,000 | $ 323,000 | $ 118,000 |
| Boston, MA | 25 | $ 11,095,000 | $ 443,800 | $ 169,000 |
| Boise City, ID | 22 | $ 7,420,000 | $ 337,272 | $ 142,000 |
| Provo-Orem, UT | 19 | $ 10,125,000 | $ 532,894 | $ 146,000 |
| Fresno, CA | 18 | $ 6,890,000 | $ 382,777 | $ 166,000 |
| Stockton-Lodi, CA | 18 | $ 7,720,000 | $ 428,888 | $ 127,000 |
| Worcester, MA-CT | 18 | $ 6,180,000 | $ 343,333 | $ 126,000 |
| Modesto, CA | 16 | $ 5,490,000 | $ 343,125 | $ 152,000 |
| Prescott Valley-Prescott, AZ | 16 | $ 5,320,000 | $ 332,500 | $ 118,000 |
| Seattle-Bellevue-Everett, WA | 16 | $ 9,770,000 | $ 610,625 | $ 187,000 |
| Denver-Aurora-Lakewood, CO | 15 | $ 7,735,000 | $ 515,666 | $ 196,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 15 | $ 7,205,000 | $ 480,333 | $ 136,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 15 | $ 6,335,000 | $ 422,333 | $ 154,200 |
| New Haven-Milford, CT | 14 | $ 3,830,000 | $ 273,571 | $ 139,000 |
| Indianapolis-Carmel-Anderson, IN | 13 | $ 4,505,000 | $ 346,538 | $ 148,000 |
| Lake Havasu City-Kingman, AZ | 13 | $ 5,215,000 | $ 401,153 | $ 207,000 |
| Santa Rosa, CA | 13 | $ 6,995,000 | $ 538,076 | $ 193,000 |
| Tampa-St. Petersburg-Clearwater, FL | 12 | $ 3,370,000 | $ 280,833 | $ 87,000 |
| El Paso, TX | 11 | $ 2,235,000 | $ 203,181 | $ 121,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 11 | $ 3,435,000 | $ 312,272 | $ 108,000 |
| Ogden-Clearfield, UT | 11 | $ 4,415,000 | $ 401,363 | $ 141,000 |
| Santa Maria-Santa Barbara, CA | 11 | $ 9,115,000 | $ 828,636 | $ 286,000 |
| Charlotte-Concord-Gastonia, NC-SC | 9 | $ 3,235,000 | $ 359,444 | $ 209,444 |
| New York-Newark, NY | 9 | $ 3,955,000 | $ 439,444 | $ 178,000 |
| Raleigh, NC | 9 | $ 1,915,000 | $ 212,777 | $ 109,000 |
| Vallejo-Fairfield, CA | 9 | $ 3,765,000 | $ 418,333 | $ 149,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 9 | $ 2,295,000 | $ 255,000 | $ 124,888 |
| Flagstaff, AZ | 8 | $ 3,110,000 | $ 388,750 | $ 150,000 |
| Philadelphia, PA | 8 | $ 1,610,000 | $ 201,250 | $ 104,000 |
| San Rafael, CA | 8 | $ 6,140,000 | $ 767,500 | $ 191,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 2,140,000 | $ 267,500 | $ 96,000 |
| Yuma, AZ | 8 | $ 2,060,000 | $ 257,500 | $ 131,000 |
| Killeen-Temple, TX | 7 | $ 1,595,000 | $ 227,857 | $ 92,000 |
| Memphis, TN-MS-AR | 7 | $ 1,645,000 | $ 235,000 | $ 321,000 |
| Spokane-Spokane Valley, WA | 7 | $ 2,045,000 | $ 292,142 | $ 119,000 |
| Warren-Troy-Farmington Hills, MI | 7 | $ 1,465,000 | $ 209,285 | $ 69,000 |
| Albuquerque, NM | 6 | $ 1,150,000 | $ 191,666 | $ 91,000 |
| Barnstable Town, MA | 6 | $ 2,140,000 | $ 356,666 | $ 147,000 |
| Daphne-Fairhope-Foley, AL | 6 | $ 2,140,000 | $ 356,666 | $ 224,000 |
| Fayetteville, NC | 6 | $ 1,090,000 | $ 181,666 | $ 80,000 |
| Knoxville, TN | 6 | $ 1,380,000 | $ 230,000 | $ 485,000 |
| Newark, NJ-PA | 6 | $ 1,710,000 | $ 285,000 | $ 173,000 |
| Norwich-New London, CT | 6 | $ 1,770,000 | $ 295,000 | $ 131,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 1,470,000 | $ 245,000 | $ 121,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 4,260,000 | $ 710,000 | $ 241,000 |
| Amarillo, TX | 5 | $ 935,000 | $ 187,000 | $ 109,000 |
| Camden, NJ | 5 | $ 1,525,000 | $ 305,000 | $ 153,000 |
| Coeur D'Alene, ID | 5 | $ 1,975,000 | $ 395,000 | $ 97,000 |
| Corpus Christi, TX | 5 | $ 1,035,000 | $ 207,000 | $ 111,000 |
| Greensboro-High Point, NC | 5 | $ 1,065,000 | $ 213,000 | $ 111,000 |
| Idaho Falls, ID | 5 | $ 1,405,000 | $ 281,000 | $ 137,000 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 2,245,000 | $ 449,000 | $ 165,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 1,175,000 | $ 235,000 | $ 188,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 5 | $ 1,655,000 | $ 331,000 | $ 134,000 |
| Springfield, MA | 5 | $ 1,275,000 | $ 255,000 | $ 107,000 |
| Waco, TX | 5 | $ 1,645,000 | $ 329,000 | $ 224,000 |
| Washington-Baltimore-Arlington, DC | 5 | $ 3,065,000 | $ 613,000 | $ 218,000 |
| Abilene, TX | 4 | $ 870,000 | $ 217,500 | $ 88,000 |
| Charleston-North Charleston, SC | 4 | $ 1,280,000 | $ 320,000 | $ 102,000 |
| Chicago-Naperville, IL | 4 | $ 1,480,000 | $ 370,000 | $ 175,000 |
| Chico, CA | 4 | $ 1,400,000 | $ 350,000 | $ 106,000 |
| Durham-Chapel Hill, NC | 4 | $ 1,090,000 | $ 272,500 | $ 97,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 1,260,000 | $ 315,000 | $ 200,000 |
| Greenville-Anderson-Mauldin, SC | 4 | $ 960,000 | $ 240,000 | $ 90,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 1,260,000 | $ 315,000 | $ 150,000 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 1,560,000 | $ 390,000 | $ 339,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 760,000 | $ 190,000 | $ 101,000 |
| Richmond, VA | 4 | $ 1,030,000 | $ 257,500 | $ 111,000 |
| Salinas, CA | 4 | $ 1,980,000 | $ 495,000 | $ 155,000 |
| Tyler, TX | 4 | $ 700,000 | $ 175,000 | $ 77,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 405,000 | $ 135,000 | $ 63,333 |
| Brunswick, GA | 3 | $ 2,845,000 | $ 948,333 | $ 572,000 |
| Cleveland-Elyria, OH | 3 | $ 575,000 | $ 191,666 | $ 268,000 |
| College Station-Bryan, TX | 3 | $ 695,000 | $ 231,666 | $ 100,000 |
| Colorado Springs, CO | 3 | $ 1,345,000 | $ 448,333 | $ 114,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,905,000 | $ 635,000 | $ 157,000 |
| Dayton-Springfield-Kettering, OH | 3 | $ 435,000 | $ 145,000 | $ 105,000 |
| Huntsville, AL | 3 | $ 775,000 | $ 258,333 | $ 155,000 |
| Jacksonville, FL | 3 | $ 1,505,000 | $ 501,666 | $ 290,000 |
| Johnson City, TN | 3 | $ 555,000 | $ 185,000 | $ 82,000 |
| Kennewick-Richland, WA | 3 | $ 1,175,000 | $ 391,666 | $ 129,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 945,000 | $ 315,000 | $ 121,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 585,000 | $ 195,000 | $ 88,000 |
| Montgomery, AL | 3 | $ 895,000 | $ 298,333 | $ 100,000 |
| Napa, CA | 3 | $ 1,195,000 | $ 398,333 | $ 81,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 1,205,000 | $ 401,666 | $ 168,000 |
| Pittsburgh, PA | 3 | $ 455,000 | $ 151,666 | $ 108,000 |
| Pittsfield, MA | 3 | $ 1,725,000 | $ 575,000 | $ 222,000 |
| Providence-Warwick, RI-MA | 3 | $ 615,000 | $ 205,000 | $ 82,000 |
| St. George, UT | 3 | $ 785,000 | $ 261,666 | $ 101,000 |
| Visalia-Porterville, CA | 3 | $ 675,000 | $ 225,000 | $ 147,000 |
| Winston-Salem, NC | 3 | $ 425,000 | $ 141,666 | $ 54,000 |
| Ann Arbor, MI | 2 | $ 350,000 | $ 175,000 | $ 92,000 |
| Asheville, NC | 2 | $ 280,000 | $ 140,000 | $ 31,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 230,000 | $ 115,000 | $ 46,000 |
| Baton Rouge, LA | 2 | $ 520,000 | $ 260,000 | $ 170,000 |
| Boulder, CO | 2 | $ 960,000 | $ 480,000 | $ 144,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 480,000 | $ 240,000 | $ 97,000 |
| Cincinnati, OH-KY-IN | 2 | $ 490,000 | $ 245,000 | $ 46,500 |
| Columbia, SC | 2 | $ 400,000 | $ 200,000 | $ 60,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 290,000 | $ 145,000 | $ 45,000 |
| Elgin, IL | 2 | $ 670,000 | $ 335,000 | $ 135,000 |
| Flint, MI | 2 | $ 740,000 | $ 370,000 | $ 245,000 |
| Fond Du Lac, WI | 2 | $ 350,000 | $ 175,000 | $ 81,000 |
| Gainesville, FL | 2 | $ 1,250,000 | $ 625,000 | $ 338,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 470,000 | $ 235,000 | $ 65,000 |
| Hanford-Corcoran, CA | 2 | $ 440,000 | $ 220,000 | $ 109,000 |
| Kansas City, MO-KS | 2 | $ 430,000 | $ 215,000 | $ 145,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 290,000 | $ 145,000 | $ 54,000 |
| Lakeland-Winter Haven, FL | 2 | $ 880,000 | $ 440,000 | $ 233,000 |
| Logan, UT-ID | 2 | $ 690,000 | $ 345,000 | $ 182,000 |
| Longview, TX | 2 | $ 470,000 | $ 235,000 | $ 98,000 |
| Lubbock, TX | 2 | $ 300,000 | $ 150,000 | $ 65,000 |
| Madera, CA | 2 | $ 580,000 | $ 290,000 | $ 125,000 |
| Merced, CA | 2 | $ 480,000 | $ 240,000 | $ 218,000 |
| Midland, TX | 2 | $ 1,340,000 | $ 670,000 | $ 265,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 370,000 | $ 185,000 | $ 132,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 420,000 | $ 210,000 | $ 97,000 |
| Port St. Lucie, FL | 2 | $ 1,710,000 | $ 855,000 | $ 197,000 |
| Salisbury, MD-DE | 2 | $ 560,000 | $ 280,000 | $ 101,000 |
| Sherman-Denison, TX | 2 | $ 680,000 | $ 340,000 | $ 474,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 730,000 | $ 365,000 | $ 58,000 |
| Tacoma-Lakewood, WA | 2 | $ 480,000 | $ 240,000 | $ 146,000 |
| The Villages, FL | 2 | $ 760,000 | $ 380,000 | $ 118,000 |
| Warner Robins, GA | 2 | $ 280,000 | $ 140,000 | $ 45,000 |
| Akron, OH | 1 | $ 175,000 | $ 175,000 | $ 128,000 |
| Albany, OR | 1 | $ 165,000 | $ 165,000 | $ 35,000 |
| Altoona, PA | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 165,000 | $ 165,000 | $ 61,000 |
| Beaumont-Port Arthur, TX | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Bend-Redmond, OR | 1 | $ 145,000 | $ 145,000 | $ 22,000 |
| Billings, MT | 1 | $ 275,000 | $ 275,000 | $ 145,000 |
| Bloomington, IN | 1 | $ 185,000 | $ 185,000 | $ 42,000 |
| Brownsville-Harlingen, TX | 1 | $ 95,000 | $ 95,000 | $ 173,000 |
| Charleston, WV | 1 | $ 275,000 | $ 275,000 | $ 53,000 |
| Charlottesville, VA | 1 | $ 205,000 | $ 205,000 | $ 79,000 |
| Chattanooga, TN-GA | 1 | $ 895,000 | $ 895,000 | $ 325,000 |
| Cheyenne, WY | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| Clarksville, TN-KY | 1 | $ 275,000 | $ 275,000 | $ 132,000 |
| Columbus, OH | 1 | $ 145,000 | $ 145,000 | $ 149,000 |
| Corvallis, OR | 1 | $ 465,000 | $ 465,000 | $ 151,000 |
| Dalton, GA | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| Dover, DE | 1 | $ 95,000 | $ 95,000 | $ 117,000 |
| East Stroudsburg, PA | 1 | $ 225,000 | $ 225,000 | $ 220,000 |
| Eau Claire, WI | 1 | $ 185,000 | $ 185,000 | $ 129,000 |
| Enid, OK | 1 | $ 175,000 | $ 175,000 | $ 47,000 |
| Evansville, IN-KY | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 215,000 | $ 215,000 | $ 82,000 |
| Gainesville, GA | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Gary, IN | 1 | $ 315,000 | $ 315,000 | $ 112,000 |
| Goldsboro, NC | 1 | $ 115,000 | $ 115,000 | $ 78,000 |
| Green Bay, WI | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Hinesville, GA | 1 | $ 75,000 | $ 75,000 | $ 105,000 |
| Homosassa Springs, FL | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Janesville-Beloit, WI | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 555,000 | $ 555,000 | $ 298,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 165,000 | $ 165,000 | $ 101,000 |
| Lancaster, PA | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Laredo, TX | 1 | $ 225,000 | $ 225,000 | $ 95,000 |
| Las Cruces, NM | 1 | $ 115,000 | $ 115,000 | $ 73,000 |
| Lexington-Fayette, KY | 1 | $ 345,000 | $ 345,000 | $ 118,000 |
| Longview, WA | 1 | $ 565,000 | $ 565,000 | $ 113,000 |
| Lynchburg, VA | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Macon-Bibb County, GA | 1 | $ 125,000 | $ 125,000 | $ 32,000 |
| Medford, OR | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
| Michigan City-La Porte, IN | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Midland, MI | 1 | $ 115,000 | $ 115,000 | $ 59,000 |
| Monroe, MI | 1 | $ 175,000 | $ 175,000 | $ 64,000 |
| Morristown, TN | 1 | $ 105,000 | $ 105,000 | $ 110,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 405,000 | $ 405,000 | $ 393,000 |
| Muskegon, MI | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
| New Bern, NC | 1 | $ 85,000 | $ 85,000 | $ 28,000 |
| Niles-Benton Harbor, MI | 1 | $ 135,000 | $ 135,000 | $ 63,000 |
| Ocala, FL | 1 | $ 295,000 | $ 295,000 | $ 223,000 |
| Odessa, TX | 1 | $ 285,000 | $ 285,000 | $ 121,000 |
| Panama City, FL | 1 | $ 255,000 | $ 255,000 | $ 141,000 |
| Pocatello, ID | 1 | $ 365,000 | $ 365,000 | $ 65,000 |
| Reading, PA | 1 | $ 475,000 | $ 475,000 | $ 125,000 |
| Redding, CA | 1 | $ 185,000 | $ 185,000 | $ 118,000 |
| Roanoke, VA | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Salem, OR | 1 | $ 425,000 | $ 425,000 | $ 249,000 |
| San Angelo, TX | 1 | $ 425,000 | $ 425,000 | $ 118,000 |
| Santa Fe, NM | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 85,000 | $ 85,000 | $ 24,000 |
| Sebastian-Vero Beach, FL | 1 | $ 355,000 | $ 355,000 | $ 172,000 |
| Staunton-Waynesboro, VA | 1 | $ 355,000 | $ 355,000 | $ 150,000 |
| Tallahassee, FL | 1 | $ 115,000 | $ 115,000 | $ 204,000 |
| Toledo, OH | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Twin Falls, ID | 1 | $ 395,000 | $ 395,000 | $ 103,000 |
| Urban Honolulu, HI | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Valdosta, GA | 1 | $ 315,000 | $ 315,000 | $ 193,000 |
| Walla Walla, WA | 1 | $ 535,000 | $ 535,000 | $ 275,000 |
| Wichita Falls, TX | 1 | $ 525,000 | $ 525,000 | $ 234,000 |
| Williamsport, PA | 1 | $ 225,000 | $ 225,000 | $ 151,000 |
| Wilmington, DE-MD-NJ | 1 | $ 165,000 | $ 165,000 | $ 137,000 |
| Wilmington, NC | 1 | $ 165,000 | $ 165,000 | $ 58,000 |
| York-Hanover, PA | 1 | $ 265,000 | $ 265,000 | $ 170,000 |
| Yuba City, CA | 1 | $ 305,000 | $ 305,000 | $ 161,000 |
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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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