Watermark Capital, Inc. Mortgage Lending & HMDA Data, 2024
In 2024, Watermark Capital, Inc. of Irvine, CA reported 849 mortgage applications totaling $471.5 million, up 12% from 2023. The average application was for $555,365, and applicants reported an average income of $254,283. 80% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (86), Dallas-Plano-Irving, TX (66) and Houston-The Woodlands-Sugar Land, TX (53) (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 | 849 |
| Total Mortgage Loan Application Amount | $471,505,000 |
| Average Mortgage Loan Application Amount | $555,365 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| Average Applicant Income | $254,283 |
| Highest Applicant Income | $4,941,000 |
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(HMDA) records Watermark Capital, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 86 | $ 73,220,000 | $ 851,395 | $ 354,000 |
| Dallas-Plano-Irving, TX | 66 | $ 42,900,000 | $ 650,000 | $ 291,000 |
| Houston-The Woodlands-Sugar Land, TX | 53 | $ 34,605,000 | $ 652,924 | $ 406,000 |
| Anaheim-Santa Ana-Irvine, CA | 37 | $ 23,725,000 | $ 641,216 | $ 247,000 |
| Fort Worth-Arlington, TX | 37 | $ 23,265,000 | $ 628,783 | $ 288,000 |
| Baltimore-Columbia-Towson, MD | 36 | $ 14,300,000 | $ 397,222 | $ 183,000 |
| Outside any metro area | 32 | $ 18,080,000 | $ 565,000 | $ 391,031 |
| Stockton-Lodi, CA | 32 | $ 13,960,000 | $ 436,250 | $ 145,000 |
| Las Vegas-Henderson-Paradise, NV | 28 | $ 8,970,000 | $ 320,357 | $ 110,000 |
| Riverside-San Bernardino-Ontario, CA | 27 | $ 13,215,000 | $ 489,444 | $ 190,000 |
| San Diego-Carlsbad, CA | 24 | $ 16,070,000 | $ 669,583 | $ 229,000 |
| Washington, DC-MD | 24 | $ 12,240,000 | $ 510,000 | $ 144,000 |
| Oakland-Hayward-Berkeley, CA | 21 | $ 15,065,000 | $ 717,380 | $ 296,000 |
| Phoenix-Mesa-Scottsdale, AZ | 20 | $ 9,900,000 | $ 495,000 | $ 379,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 20 | $ 9,470,000 | $ 473,500 | $ 172,000 |
| Arlington-Alexandria-Reston, VA-WV | 12 | $ 7,150,000 | $ 595,833 | $ 219,000 |
| Seattle-Bellevue-Everett, WA | 12 | $ 7,290,000 | $ 607,500 | $ 186,000 |
| Washington-Baltimore-Arlington, DC | 12 | $ 6,030,000 | $ 502,500 | $ 249,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 11 | $ 10,315,000 | $ 937,727 | $ 355,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 10 | $ 6,390,000 | $ 639,000 | $ 653,000 |
| Atlanta-Sandy Springs-Roswell, GA | 9 | $ 3,965,000 | $ 440,555 | $ 131,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 9 | $ 4,065,000 | $ 451,666 | $ 235,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 9 | $ 4,335,000 | $ 481,666 | $ 166,444 |
| Santa Cruz-Watsonville, CA | 9 | $ 5,225,000 | $ 580,555 | $ 298,000 |
| Austin-Round Rock, TX | 8 | $ 3,350,000 | $ 418,750 | $ 179,000 |
| Bakersfield, CA | 8 | $ 3,130,000 | $ 391,250 | $ 126,000 |
| Everett, WA | 7 | $ 3,395,000 | $ 485,000 | $ 233,000 |
| Oklahoma City, OK | 7 | $ 2,585,000 | $ 369,285 | $ 563,000 |
| San Antonio-New Braunfels, TX | 7 | $ 2,005,000 | $ 286,428 | $ 187,000 |
| San Francisco-Redwood City-South San Francisco, CA | 7 | $ 4,815,000 | $ 687,857 | $ 274,000 |
| Denver-Aurora-Lakewood, CO | 6 | $ 2,830,000 | $ 471,666 | $ 220,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 2,155,000 | $ 431,000 | $ 156,000 |
| Raleigh, NC | 5 | $ 2,465,000 | $ 493,000 | $ 174,000 |
| Reno, NV | 5 | $ 1,995,000 | $ 399,000 | $ 133,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 1,110,000 | $ 277,500 | $ 123,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 1,410,000 | $ 352,500 | $ 563,000 |
| Marietta, GA | 4 | $ 1,470,000 | $ 367,500 | $ 202,000 |
| Redding, CA | 4 | $ 1,650,000 | $ 412,500 | $ 139,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 1,035,000 | $ 345,000 | $ 156,000 |
| Pittsburgh, PA | 3 | $ 775,000 | $ 258,333 | $ 77,000 |
| Salt Lake City, UT | 3 | $ 1,905,000 | $ 635,000 | $ 168,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 3 | $ 1,865,000 | $ 621,666 | $ 225,000 |
| Santa Maria-Santa Barbara, CA | 3 | $ 2,145,000 | $ 715,000 | $ 248,000 |
| Tampa, FL | 3 | $ 1,215,000 | $ 405,000 | $ 151,000 |
| Tucson, AZ | 3 | $ 1,025,000 | $ 341,666 | $ 362,000 |
| Albuquerque, NM | 2 | $ 970,000 | $ 485,000 | $ 84,000 |
| Bend-Redmond, OR | 2 | $ 1,110,000 | $ 555,000 | $ 139,000 |
| Birmingham-Hoover, AL | 2 | $ 390,000 | $ 195,000 | $ 115,000 |
| Boston, MA | 2 | $ 760,000 | $ 380,000 | $ 234,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 1,300,000 | $ 650,000 | $ 252,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 1,000,000 | $ 500,000 | $ 156,000 |
| Camden, NJ | 2 | $ 770,000 | $ 385,000 | $ 106,000 |
| Charlottesville, VA | 2 | $ 830,000 | $ 415,000 | $ 258,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 670,000 | $ 335,000 | $ 106,000 |
| Durham-Chapel Hill, NC | 2 | $ 830,000 | $ 415,000 | $ 125,000 |
| Fort Collins, CO | 2 | $ 940,000 | $ 470,000 | $ 89,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 480,000 | $ 240,000 | $ 165,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 450,000 | $ 225,000 | $ 554,000 |
| Jacksonville, FL | 2 | $ 990,000 | $ 495,000 | $ 143,000 |
| Lakewood-New Brunswick, NJ | 2 | $ 1,400,000 | $ 700,000 | $ 260,000 |
| Longview, TX | 2 | $ 410,000 | $ 205,000 | $ 75,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,080,000 | $ 540,000 | $ 121,000 |
| Paducah, KY-IL | 2 | $ 310,000 | $ 155,000 | $ 27,000 |
| Provo-Orem, UT | 2 | $ 1,470,000 | $ 735,000 | $ 238,000 |
| Richmond, VA | 2 | $ 800,000 | $ 400,000 | $ 240,000 |
| Salinas, CA | 2 | $ 1,180,000 | $ 590,000 | $ 169,000 |
| Santa Rosa, CA | 2 | $ 1,390,000 | $ 695,000 | $ 216,000 |
| Sherman-Denison, TX | 2 | $ 450,000 | $ 225,000 | $ 155,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 1,070,000 | $ 535,000 | $ 157,000 |
| Tulsa, OK | 2 | $ 550,000 | $ 275,000 | $ 174,000 |
| Vallejo-Fairfield, CA | 2 | $ 840,000 | $ 420,000 | $ 142,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 1,040,000 | $ 520,000 | $ 161,000 |
| Visalia-Porterville, CA | 2 | $ 1,190,000 | $ 595,000 | $ 477,000 |
| Waco, TX | 2 | $ 820,000 | $ 410,000 | $ 231,000 |
| Worcester, MA-CT | 2 | $ 760,000 | $ 380,000 | $ 72,000 |
| Abilene, TX | 1 | $ 625,000 | $ 625,000 | $ 218,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 315,000 | $ 315,000 | $ 37,000 |
| Auburn-Opelika, AL | 1 | $ 385,000 | $ 385,000 | $ 83,000 |
| Bellingham, WA | 1 | $ 405,000 | $ 405,000 | $ 60,000 |
| Boise City, ID | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Bozeman, MT | 1 | $ 345,000 | $ 345,000 | $ 220,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 415,000 | $ 415,000 | $ 175,000 |
| Charleston-North Charleston, SC | 1 | $ 195,000 | $ 195,000 | $ 104,000 |
| Chattanooga, TN-GA | 1 | $ 305,000 | $ 305,000 | $ 395,000 |
| Chicago-Naperville, IL | 1 | $ 915,000 | $ 915,000 | $ 82,000 |
| Cleveland, OH | 1 | $ 155,000 | $ 155,000 | $ 154,000 |
| Coeur D'Alene, ID | 1 | $ 395,000 | $ 395,000 | $ 121,000 |
| Colorado Springs, CO | 1 | $ 455,000 | $ 455,000 | $ 120,000 |
| Columbus, OH | 1 | $ 465,000 | $ 465,000 | $ 163,000 |
| Corpus Christi, TX | 1 | $ 345,000 | $ 345,000 | $ 93,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 125,000 | $ 125,000 | $ 253,000 |
| El Centro, CA | 1 | $ 425,000 | $ 425,000 | $ 118,000 |
| El Paso, TX | 1 | $ 305,000 | $ 305,000 | $ 142,000 |
| Eugene, OR | 1 | $ 365,000 | $ 365,000 | $ 103,000 |
| Fayetteville, NC | 1 | $ 285,000 | $ 285,000 | $ 52,000 |
| Grand Junction, CO | 1 | $ 385,000 | $ 385,000 | $ 227,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Hammond, LA | 1 | $ 285,000 | $ 285,000 | $ 88,000 |
| Harrisonburg, VA | 1 | $ 465,000 | $ 465,000 | $ 194,000 |
| Jackson, MS | 1 | $ 115,000 | $ 115,000 | $ 178,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 165,000 | $ 165,000 | $ 186,000 |
| Kennewick-Richland, WA | 1 | $ 365,000 | $ 365,000 | $ 116,000 |
| Knoxville, TN | 1 | $ 225,000 | $ 225,000 | $ 246,000 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 395,000 | $ 395,000 | $ 212,000 |
| Lansing-East Lansing, MI | 1 | $ 145,000 | $ 145,000 | $ 76,000 |
| Memphis, TN-MS-AR | 1 | $ 685,000 | $ 685,000 | $ 153,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 265,000 | $ 265,000 | $ 82,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 295,000 | $ 295,000 | $ 285,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 1,235,000 | $ 1,235,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 355,000 | $ 355,000 | $ 171,000 |
| Ogden-Clearfield, UT | 1 | $ 325,000 | $ 325,000 | $ 249,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 235,000 | $ 235,000 | $ 234,000 |
| Pittsfield, MA | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Port St. Lucie, FL | 1 | $ 395,000 | $ 395,000 | $ 353,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
| Roanoke, VA | 1 | $ 245,000 | $ 245,000 | $ 91,000 |
| Salisbury, MD-DE | 1 | $ 255,000 | $ 255,000 | $ 103,000 |
| San Rafael, CA | 1 | $ 705,000 | $ 705,000 | $ 145,000 |
| Savannah, GA | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| Sheboygan, WI | 1 | $ 195,000 | $ 195,000 | $ 145,000 |
| Spokane-Spokane Valley, WA | 1 | $ 315,000 | $ 315,000 | $ 260,000 |
| St. George, UT | 1 | $ 235,000 | $ 235,000 | $ 42,000 |
| Valdosta, GA | 1 | $ 205,000 | $ 205,000 | $ 132,000 |
| Waterbury-Shelton, CT | 1 | $ 305,000 | $ 305,000 | $ 135,000 |
| Wichita, KS | 1 | $ 225,000 | $ 225,000 | $ 91,000 |
| Yuma, AZ | 1 | $ 285,000 | $ 285,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Watermark Capital, Inc. in 2024
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 | 539 | $310,515,000 | $576,000 | $5,005,000 | $265,000 | $4,941,000 |
| Refinancing | 176 | $102,590,000 | $582,000 | $2,275,000 | $230,000 | $2,700,000 |
| Cash-out Refinancing | 124 | $52,210,000 | $421,000 | $1,655,000 | $233,000 | $2,700,000 |
| Home Improvement | 10 | $6,190,000 | $619,000 | $2,255,000 | $368,000 | $1,559,000 |
| 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 | 476 | $270,630,000 | $568,000 | $2,575,000 | $287,000 | $4,941,000 |
| Asian | 160 | $88,960,000 | $556,000 | $5,005,000 | $235,000 | $2,922,000 |
| Not Provided | 102 | $51,030,000 | $500,000 | $2,105,000 | $211,000 | $957,000 |
| Hispanic | 68 | $36,730,000 | $540,000 | $1,425,000 | $182,000 | $413,000 |
| Black or African American | 37 | $21,525,000 | $581,000 | $1,685,000 | $190,000 | $600,000 |
| American Indian or Alaskan Native | 5 | $2,185,000 | $437,000 | $565,000 | $145,000 | $217,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $445,000 | $445,000 | $445,000 | $132,000 | $132,000 |
| 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) | 752 | $426,080,000 | $566,000 | $5,005,000 | $271,000 | $4,941,000 |
| FHA-insured (Federal Housing Administration) | 61 | $25,395,000 | $416,000 | $1,065,000 | $120,000 | $315,000 |
| VA-guaranteed (Veterans Administration) | 36 | $20,030,000 | $556,000 | $1,995,000 | $145,000 | $877,000 |
| 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 | 676 | $377,730,000 | $558,000 | $2,575,000 | $267,000 | $4,941,000 |
| Application Approved But Not Accepted | 91 | $51,815,000 | $569,000 | $5,005,000 | $228,000 | $2,922,000 |
| Application Withdrawn By Applicant | 41 | $23,675,000 | $577,000 | $2,345,000 | $187,000 | $852,000 |
| Application Denied By Financial Institution | 38 | $17,160,000 | $451,000 | $1,445,000 | $170,000 | $600,000 |
| Preapproval Approved but not Accepted | 3 | $1,125,000 | $375,000 | $675,000 | $211,000 | $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 | 811 | $454,345,000 | $560,000 | $5,005,000 | $258,000 | $4,941,000 |
| Debt-To-Income Ratio | 13 | $7,895,000 | $607,000 | $1,445,000 | $184,000 | $600,000 |
| Collateral | 12 | $4,580,000 | $381,000 | $605,000 | $187,000 | $458,000 |
| Other | 10 | $3,390,000 | $339,000 | $735,000 | $119,000 | $260,000 |
| Employment History | 2 | $990,000 | $495,000 | $525,000 | $223,000 | $261,000 |
| Unverifiable Information | 1 | $305,000 | $305,000 | $305,000 | $217,000 | $217,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Watermark Capital, Inc.'s 2024 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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