Watermark Capital, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Watermark Capital, Inc. 2023 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 | 760 |
| Total Mortgage Loan Application Amount | $380,070,000 |
| Average Mortgage Loan Application Amount | $440,750 |
| Highest Mortgage Loan Application Amount | $2,985,000 |
| Average Applicant Income | $230,750 |
| Highest Applicant Income | $2,585,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 72 | $ 54,730,000 | $ 760,000 | $ 283,000 |
| SAN DIEGO-CARLSBAD, CA | 62 | $ 34,460,000 | $ 555,000 | $ 185,000 |
| DALLAS-PLANO-IRVING, TX | 48 | $ 31,140,000 | $ 648,000 | $ 302,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 47 | $ 21,795,000 | $ 463,000 | $ 209,000 |
| FORT WORTH-ARLINGTON, TX | 45 | $ 21,505,000 | $ 477,000 | $ 231,000 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 39 | $ 15,675,000 | $ 401,000 | $ 155,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 37 | $ 18,315,000 | $ 464,333 | $ 164,666 |
| NA (OUTSIDE OF MSA/MD) | 28 | $ 10,760,000 | $ 329,461 | $ 171,846 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 24 | $ 14,090,000 | $ 587,000 | $ 206,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 24 | $ 10,190,000 | $ 424,000 | $ 185,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 24 | $ 11,320,000 | $ 471,000 | $ 227,000 |
| STOCKTON-LODI, CA | 20 | $ 7,220,000 | $ 361,000 | $ 129,000 |
| SANTA CRUZ-WATSONVILLE, CA | 17 | $ 12,395,000 | $ 729,000 | $ 260,000 |
| LAS VEGAS-HENDERSON-PARADISE, NV | 15 | $ 7,745,000 | $ 516,000 | $ 374,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 15 | $ 7,815,000 | $ 521,000 | $ 165,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 14 | $ 9,300,000 | $ 664,000 | $ 255,000 |
| BAKERSFIELD, CA | 9 | $ 1,765,000 | $ 196,000 | $ 116,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 9 | $ 3,175,000 | $ 352,000 | $ 119,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 8 | $ 4,820,000 | $ 602,000 | $ 234,000 |
| WASHINGTON-BALTIMORE-ARLINGTON, DC | 8 | $ 3,470,000 | $ 433,000 | $ 169,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 7 | $ 2,035,000 | $ 290,000 | $ 165,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 6 | $ 2,310,000 | $ 385,000 | $ 507,000 |
| AUSTIN-ROUND ROCK, TX | 6 | $ 6,060,000 | $ 1,010,000 | $ 412,000 |
| CAPE CORAL-FORT MYERS, FL | 6 | $ 2,150,000 | $ 358,000 | $ 166,000 |
| OKLAHOMA CITY, OK | 6 | $ 1,920,000 | $ 320,000 | $ 780,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 6 | $ 3,060,000 | $ 478,500 | $ 203,500 |
| WORCESTER, MA-CT | 6 | $ 2,020,000 | $ 396,000 | $ 149,000 |
| BOISE CITY, ID | 5 | $ 1,465,000 | $ 293,000 | $ 151,000 |
| TULSA, OK | 5 | $ 1,805,000 | $ 361,000 | $ 126,000 |
| BOSTON, MA | 4 | $ 1,990,000 | $ 497,000 | $ 177,000 |
| DENVER-AURORA-LAKEWOOD, CO | 4 | $ 2,050,000 | $ 512,000 | $ 214,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 4 | $ 1,540,000 | $ 385,000 | $ 160,000 |
| CLEVELAND-ELYRIA, OH | 3 | $ 1,135,000 | $ 378,000 | $ 352,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 3 | $ 795,000 | $ 265,000 | $ 217,000 |
| LAKE HAVASU CITY-KINGMAN, AZ | 3 | $ 1,285,000 | $ 428,000 | $ 194,000 |
| LAKELAND-WINTER HAVEN, FL | 3 | $ 1,045,000 | $ 348,000 | $ 68,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 3 | $ 1,035,000 | $ 345,000 | $ 208,000 |
| OGDEN-CLEARFIELD, UT | 3 | $ 1,815,000 | $ 605,000 | $ 166,000 |
| PRESCOTT VALLEY-PRESCOTT, AZ | 3 | $ 1,225,000 | $ 408,000 | $ 109,000 |
| PROVO-OREM, UT | 3 | $ 1,395,000 | $ 465,000 | $ 209,000 |
| RALEIGH, NC | 3 | $ 1,085,000 | $ 361,000 | $ 216,000 |
| RENO, NV | 3 | $ 865,000 | $ 288,000 | $ 177,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 3 | $ 1,615,000 | $ 538,000 | $ 298,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 3 | $ 1,165,000 | $ 388,000 | $ 338,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 3 | $ 925,000 | $ 308,000 | $ 135,000 |
| WILMINGTON, DE-MD-NJ | 3 | $ 735,000 | $ 247,500 | $ 82,000 |
| ALBUQUERQUE, NM | 2 | $ 880,000 | $ 440,000 | $ 152,000 |
| CAMDEN, NJ | 2 | $ 1,150,000 | $ 575,000 | $ 196,000 |
| CARSON CITY, NV | 2 | $ 470,000 | $ 235,000 | $ 249,000 |
| COLLEGE STATION-BRYAN, TX | 2 | $ 490,000 | $ 245,000 | $ 170,000 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 2 | $ 520,000 | $ 260,000 | $ 101,000 |
| DURHAM-CHAPEL HILL, NC | 2 | $ 780,000 | $ 390,000 | $ 185,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 2 | $ 420,000 | $ 210,000 | $ 156,000 |
| MODESTO, CA | 2 | $ 670,000 | $ 335,000 | $ 181,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 2 | $ 1,490,000 | $ 745,000 | $ 224,000 |
| NEWARK, NJ-PA | 2 | $ 820,000 | $ 410,000 | $ 307,000 |
| SALT LAKE CITY, UT | 2 | $ 720,000 | $ 360,000 | $ 214,000 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 2 | $ 1,070,000 | $ 535,000 | $ 175,000 |
| SANTA ROSA, CA | 2 | $ 1,150,000 | $ 575,000 | $ 198,000 |
| SHERMAN-DENISON, TX | 2 | $ 460,000 | $ 230,000 | $ 83,000 |
| TUCSON, AZ | 2 | $ 500,000 | $ 250,000 | $ 96,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 2 | $ 570,000 | $ 285,000 | $ 138,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 2 | $ 1,250,000 | $ 625,000 | $ 255,000 |
| ASHEVILLE, NC | 1 | $ 225,000 | $ 225,000 | $ 117,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| BURLINGTON, NC | 1 | $ 145,000 | $ 145,000 | $ 134,000 |
| CANTON-MASSILLON, OH | 1 | $ 165,000 | $ 165,000 | $ 61,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 1 | $ 725,000 | $ 725,000 | $ 299,000 |
| CHARLOTTESVILLE, VA | 1 | $ 435,000 | $ 435,000 | $ 187,000 |
| CHICAGO-NAPERVILLE, IL | 1 | $ 1,625,000 | $ 1,625,000 | $ 0 |
| CINCINNATI, OH-KY-IN | 1 | $ 305,000 | $ 305,000 | $ 78,000 |
| COEUR D'ALENE, ID | 1 | $ 505,000 | $ 505,000 | $ 327,000 |
| COLORADO SPRINGS, CO | 1 | $ 525,000 | $ 525,000 | $ 196,000 |
| COLUMBIA, SC | 1 | $ 265,000 | $ 265,000 | $ 160,000 |
| CORPUS CHRISTI, TX | 1 | $ 275,000 | $ 275,000 | $ 116,000 |
| CORVALLIS, OR | 1 | $ 435,000 | $ 435,000 | $ 126,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 1 | $ 365,000 | $ 365,000 | $ 202,000 |
| DOVER, DE | 1 | $ 105,000 | $ 105,000 | $ 229,000 |
| EUGENE, OR | 1 | $ 365,000 | $ 365,000 | $ 96,000 |
| FRESNO, CA | 1 | $ 1,005,000 | $ 1,005,000 | $ 2,391,000 |
| GREELEY, CO | 1 | $ 305,000 | $ 305,000 | $ 110,000 |
| GREEN BAY, WI | 1 | $ 335,000 | $ 335,000 | $ 416,000 |
| HARRISBURG-CARLISLE, PA | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 1 | $ 235,000 | $ 235,000 | $ 198,000 |
| HUNTSVILLE, AL | 1 | $ 225,000 | $ 225,000 | $ 114,000 |
| JACKSONVILLE, FL | 1 | $ 135,000 | $ 135,000 | $ 133,000 |
| KENNEWICK-RICHLAND, WA | 1 | $ 555,000 | $ 555,000 | $ 129,000 |
| KNOXVILLE, TN | 1 | $ 585,000 | $ 585,000 | $ 218,000 |
| LANCASTER, PA | 1 | $ 495,000 | $ 495,000 | $ 169,000 |
| LONGVIEW, TX | 1 | $ 195,000 | $ 195,000 | $ 155,000 |
| MCALLEN-EDINBURG-MISSION, TX | 1 | $ 395,000 | $ 395,000 | $ 335,000 |
| MEDFORD, OR | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| MEMPHIS, TN-MS-AR | 1 | $ 325,000 | $ 325,000 | $ 111,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 1 | $ 315,000 | $ 315,000 | $ 73,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 1 | $ 175,000 | $ 175,000 | $ 131,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 1 | $ 315,000 | $ 315,000 | $ 156,000 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 1 | $ 415,000 | $ 415,000 | $ 223,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 1 | $ 305,000 | $ 305,000 | $ 300,000 |
| ODESSA, TX | 1 | $ 325,000 | $ 325,000 | $ 80,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 1 | $ 335,000 | $ 335,000 | $ 120,000 |
| PHILADELPHIA, PA | 1 | $ 285,000 | $ 285,000 | $ 46,000 |
| PITTSBURGH, PA | 1 | $ 165,000 | $ 165,000 | $ 82,000 |
| PORT ST. LUCIE, FL | 1 | $ 255,000 | $ 255,000 | $ 147,000 |
| READING, PA | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| RICHMOND, VA | 1 | $ 245,000 | $ 245,000 | $ 135,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 1 | $ 475,000 | $ 475,000 | $ 142,000 |
| SALEM, OR | 1 | $ 415,000 | $ 415,000 | $ 166,000 |
| SALINAS, CA | 1 | $ 255,000 | $ 255,000 | $ 319,000 |
| SALISBURY, MD-DE | 1 | $ 685,000 | $ 685,000 | $ 213,000 |
| SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA | 1 | $ 615,000 | $ 615,000 | $ 158,000 |
| SAN RAFAEL, CA | 1 | $ 705,000 | $ 705,000 | $ 161,000 |
| VALLEJO-FAIRFIELD, CA | 1 | $ 485,000 | $ 485,000 | $ 301,000 |
| VICTORIA, TX | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| VISALIA-PORTERVILLE, CA | 1 | $ 405,000 | $ 405,000 | $ 115,000 |
| WACO, TX | 1 | $ 245,000 | $ 245,000 | $ 122,000 |
| WILMINGTON, NC | 1 | $ 385,000 | $ 385,000 | $ 96,000 |
| WINCHESTER, VA-WV | 1 | $ 685,000 | $ 685,000 | $ 127,000 |
Mortgage Loan Application Detail Totals for Watermark Capital, Inc. in 2023
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 | 625 | $321,235,000 | $513,000 | $2,985,000 | $220,000 | $2,585,000 |
| Cash-out Refinancing | 73 | $27,385,000 | $375,000 | $965,000 | $178,000 | $625,000 |
| Refinancing | 49 | $27,315,000 | $557,000 | $2,735,000 | $280,000 | $2,391,000 |
| Home Improvement | 13 | $4,135,000 | $318,000 | $755,000 | $245,000 | $1,418,000 |
| 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 | 465 | $236,485,000 | $508,000 | $2,985,000 | $229,000 | $2,391,000 |
| Not Provided | 93 | $45,895,000 | $493,000 | $2,625,000 | $230,000 | $2,585,000 |
| Asian | 90 | $41,790,000 | $464,000 | $1,555,000 | $209,000 | $1,678,000 |
| Hispanic | 61 | $30,015,000 | $492,000 | $1,225,000 | $201,000 | $485,000 |
| Black or African American | 36 | $18,770,000 | $521,000 | $1,045,000 | $163,000 | $385,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $305,000 | $305,000 | $305,000 | $118,000 | $118,000 |
| American Indian or Alaskan Native | 1 | $265,000 | $265,000 | $265,000 | $292,000 | $292,000 |
| 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) | 664 | $334,650,000 | $503,000 | $2,985,000 | $232,000 | $2,585,000 |
| FHA-insured (Federal Housing Administration) | 61 | $27,555,000 | $451,000 | $885,000 | $147,000 | $400,000 |
| VA-guaranteed (Veterans Administration) | 35 | $17,865,000 | $510,000 | $1,265,000 | $133,000 | $331,000 |
| 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 | 617 | $306,375,000 | $496,000 | $2,735,000 | $223,000 | $2,585,000 |
| Application Approved But Not Accepted | 81 | $43,185,000 | $533,000 | $2,985,000 | $225,000 | $1,209,000 |
| Application Denied By Financial Institution | 38 | $16,750,000 | $440,000 | $1,165,000 | $158,000 | $625,000 |
| Application Withdrawn By Applicant | 21 | $11,395,000 | $542,000 | $1,625,000 | $224,000 | $615,000 |
| Preapproval Approved but not Accepted | 3 | $2,365,000 | $788,000 | $1,335,000 | $298,000 | $480,000 |
| 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 | 722 | $363,320,000 | $503,000 | $2,985,000 | $224,000 | $2,585,000 |
| Collateral | 14 | $5,000,000 | $357,000 | $575,000 | $138,000 | $206,000 |
| Debt-To-Income Ratio | 12 | $6,040,000 | $503,000 | $595,000 | $125,000 | $236,000 |
| Unverifiable Information | 6 | $1,700,000 | $283,000 | $635,000 | $237,000 | $625,000 |
| Employment History | 3 | $2,095,000 | $698,000 | $1,165,000 | $237,000 | $299,000 |
| Other | 2 | $1,420,000 | $710,000 | $1,045,000 | $166,000 | $234,000 |
| Credit History | 1 | $495,000 | $495,000 | $495,000 | $108,000 | $108,000 |
| 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 2023 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.