Watermark Capital Mortgage Rates, Fees & Info
Irvine, CALEI: 2549005Q4HZ55QX7YC64
Tax ID: 20-4255880
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Mortgage Data
Review & Overview
Watermark Capital is a mid-sized mortgage company specializing in Refi and Cash Out Refi loans. Watermark Capital has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, Phoenix, San Francisco, Riverside, and San Diego among others. We have data for 332 markets. (Some data included below & more in-depth data is available with an active subscription.)Watermark Capital has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Watermark Capital is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.31% | 11/21/24 |
| 30 Year Conventional Refi | 6.10% | 11/21/24 |
| 30 Year Cash-out Refi | 6.29% | 11/21/24 |
| 30 Year FHA Purchase | 7.19% | 11/21/24 |
| 30 Year FHA Refi | 6.16% | 11/21/24 |
| 30 Year VA Purchase | 5.86% | 11/21/24 |
| 30 Year VA Refi | 5.66% | 11/21/24 |
| 30 Year USDA Purchase | 6.19% | 11/21/24 |
| 15 Year Conventional Purchase | 5.85% | 11/21/24 |
| 15 Year Conventional Refi | 5.60% | 11/21/24 |
| 15 Year Cash-out Refi | 5.60% | 11/21/24 |
| 15 Year VA Purchase | 5.77% | 11/21/24 |
| 15 Year VA Refi | 5.23% | 11/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Watermark Capital Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
9,486Origination Dollar Volume (All Markets)
$3,324,970,000Awards
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Watermark Capital - 2021
Watermark Capital is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1,700 | $824,900,000 | $485,235 | $4,181 | 2.73% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1,123 | $360,385,000 | $320,913 | $3,366 | 2.78% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 426 | $204,710,000 | $480,540 | $3,467 | 2.61% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 553 | $174,565,000 | $315,669 | $3,346 | 2.67% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 387 | $156,275,000 | $403,811 | $3,300 | 2.61% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 379 | $148,785,000 | $392,573 | $5,732 | 2.84% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 290 | $107,200,000 | $369,655 | $3,464 | 2.49% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 354 | $106,540,000 | $300,960 | $3,124 | 2.55% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 173 | $85,395,000 | $493,613 | $3,804 | 2.52% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 213 | $62,275,000 | $292,371 | $3,290 | 2.66% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 162 | $62,080,000 | $383,210 | $3,295 | 2.56% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 132 | $58,290,000 | $441,591 | $3,529 | 2.69% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 131 | $42,075,000 | $321,183 | $4,429 | 2.64% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 94 | $33,930,000 | $360,957 | $3,051 | 2.64% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 93 | $29,125,000 | $313,172 | $3,092 | 2.65% |
| STOCKTON, CA (FHA|USDA|VA) | 84 | $27,890,000 | $332,024 | $2,993 | 2.71% |
| TUCSON, AZ (FHA|USDA|VA) | 102 | $24,690,000 | $242,059 | $3,454 | 2.63% |
| FRESNO, CA (FHA|USDA|VA) | 93 | $23,525,000 | $252,957 | $2,927 | 2.60% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 91 | $22,725,000 | $249,725 | $3,700 | 2.69% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 63 | $22,355,000 | $354,841 | $3,251 | 2.72% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 72 | $20,400,000 | $283,333 | $3,388 | 2.66% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 65 | $20,045,000 | $308,385 | $3,745 | 2.60% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 57 | $20,045,000 | $351,667 | $3,882 | 2.50% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 63 | $19,335,000 | $306,905 | $4,325 | 2.64% |
| Outside of Metro Areas | 77 | $19,095,000 | $247,987 | $3,686 | 2.73% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 80 | $19,040,000 | $238,000 | $3,385 | 2.46% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 51 | $19,035,000 | $373,235 | $3,067 | 2.59% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 78 | $18,910,000 | $242,436 | $3,321 | 2.66% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 36 | $17,820,000 | $495,000 | $3,837 | 2.79% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 76 | $17,650,000 | $232,237 | $3,907 | 2.53% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 46 | $17,580,000 | $382,174 | $3,073 | 2.62% |
| RENO, NV (FHA|USDA|VA) | 52 | $16,200,000 | $311,538 | $3,445 | 2.61% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 54 | $14,810,000 | $274,259 | $3,426 | 2.49% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 70 | $14,450,000 | $206,429 | $4,146 | 2.57% |
| BOISE CITY, ID (FHA|USDA|VA) | 47 | $12,675,000 | $269,681 | $4,013 | 2.66% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 50 | $12,670,000 | $253,400 | $3,217 | 2.72% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 28 | $12,210,000 | $436,071 | $2,901 | 2.65% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 50 | $12,100,000 | $242,000 | $2,776 | 2.69% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 43 | $12,075,000 | $280,814 | $3,006 | 2.55% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 42 | $11,710,000 | $278,810 | $3,099 | 2.60% |
| VALLEJO, CA (FHA|USDA|VA) | 35 | $11,615,000 | $331,857 | $3,512 | 2.55% |
| MODESTO, CA (FHA|USDA|VA) | 43 | $11,565,000 | $268,953 | $2,848 | 2.66% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 46 | $11,120,000 | $241,739 | $3,158 | 2.69% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 45 | $10,535,000 | $234,111 | $3,329 | 2.76% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 37 | $9,865,000 | $266,622 | $3,646 | 2.71% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 31 | $9,535,000 | $307,581 | $3,351 | 2.71% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 33 | $9,255,000 | $280,455 | $2,814 | 2.59% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 40 | $8,840,000 | $221,000 | $3,586 | 2.48% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 25 | $8,715,000 | $348,600 | $3,273 | 2.53% |
| SALINAS, CA (FHA|USDA|VA) | 25 | $8,575,000 | $343,000 | $3,439 | 2.49% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 36 | $8,180,000 | $227,222 | $2,610 | 2.66% |
| VISALIA, CA (FHA|USDA|VA) | 32 | $8,180,000 | $255,625 | $3,259 | 2.57% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 35 | $8,105,000 | $231,571 | $2,679 | 2.47% |
| RICHMOND, VA (FHA|USDA|VA) | 30 | $7,150,000 | $238,333 | $2,683 | 2.47% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 33 | $7,015,000 | $212,576 | $4,455 | 2.60% |
| PROVO-OREM, UT (FHA|USDA|VA) | 24 | $6,850,000 | $285,417 | $3,281 | 2.67% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 32 | $6,740,000 | $210,625 | $2,842 | 2.62% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 21 | $6,625,000 | $315,476 | $3,197 | 2.45% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 29 | $6,315,000 | $217,759 | $3,249 | 2.65% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 26 | $6,280,000 | $241,538 | $3,059 | 2.54% |
| TULSA, OK (FHA|USDA|VA) | 29 | $6,025,000 | $207,759 | $4,118 | 2.45% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 22 | $5,970,000 | $271,364 | $3,889 | 2.87% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 17 | $5,175,000 | $304,412 | $2,951 | 2.69% |
| CHICO, CA (FHA|USDA|VA) | 20 | $4,930,000 | $246,500 | $3,116 | 2.57% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 20 | $4,580,000 | $229,000 | $3,057 | 2.52% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 15 | $4,235,000 | $282,333 | $3,336 | 2.44% |
| Show Low, AZ (FHA|USDA|VA) | 13 | $4,185,000 | $321,923 | $3,826 | 2.85% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 17 | $4,175,000 | $245,588 | $3,254 | 2.76% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 20 | $4,060,000 | $203,000 | $3,455 | 2.71% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 17 | $3,995,000 | $235,000 | $3,628 | 2.46% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 18 | $3,900,000 | $216,667 | $3,707 | 2.57% |
| REDDING, CA (FHA|USDA|VA) | 17 | $3,725,000 | $219,118 | $3,324 | 2.69% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 13 | $3,675,000 | $282,692 | $4,197 | 2.46% |
| ST. GEORGE, UT (FHA|USDA|VA) | 12 | $3,400,000 | $283,333 | $2,847 | 2.67% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 15 | $3,185,000 | $212,333 | $3,556 | 2.66% |
| KNOXVILLE, TN (FHA|USDA|VA) | 14 | $3,120,000 | $222,857 | $2,999 | 2.72% |
| ASHEVILLE, NC (FHA|USDA|VA) | 11 | $3,045,000 | $276,818 | $3,847 | 2.82% |
| Heber, UT (FHA|USDA|VA) | 6 | $2,960,000 | $493,333 | $2,886 | 2.60% |
| COLUMBUS, OH (FHA|USDA|VA) | 10 | $2,860,000 | $286,000 | $2,932 | 2.42% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 11 | $2,855,000 | $259,545 | $2,784 | 2.64% |
| NAPA, CA (FHA|USDA|VA) | 7 | $2,845,000 | $406,429 | $3,026 | 2.58% |
| MERCED, CA (FHA|USDA|VA) | 12 | $2,790,000 | $232,500 | $2,563 | 2.28% |
| PITTSBURGH, PA (FHA|USDA|VA) | 15 | $2,735,000 | $182,333 | $4,084 | 2.67% |
| BEND, OR (FHA|USDA|VA) | 8 | $2,430,000 | $303,750 | $3,204 | 2.64% |
| MADISON, WI (FHA|USDA|VA) | 9 | $2,415,000 | $268,333 | $2,580 | 2.46% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 9 | $2,305,000 | $256,111 | $3,526 | 2.82% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 11 | $2,255,000 | $205,000 | $2,745 | 2.67% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 10 | $2,220,000 | $222,000 | $3,653 | 2.86% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 8 | $2,160,000 | $270,000 | $2,971 | 2.64% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 9 | $2,085,000 | $231,667 | $2,790 | 2.61% |
| FORT COLLINS, CO (FHA|USDA|VA) | 7 | $2,075,000 | $296,429 | $3,292 | 2.79% |
| Athens, TX (FHA|USDA|VA) | 3 | $2,045,000 | $681,667 | $13,784 | 2.79% |
| EL CENTRO, CA (FHA|USDA|VA) | 10 | $2,040,000 | $204,000 | $2,617 | 2.82% |
| MADERA, CA (FHA|USDA|VA) | 10 | $2,030,000 | $203,000 | $3,692 | 2.73% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 8 | $1,990,000 | $248,750 | $2,750 | 2.58% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 10 | $1,990,000 | $199,000 | $3,250 | 2.62% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 7 | $1,975,000 | $282,143 | $3,703 | 2.55% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 8 | $1,920,000 | $240,000 | $3,332 | 2.72% |
| CARSON CITY, NV (FHA|USDA|VA) | 6 | $1,850,000 | $308,333 | $3,466 | 2.73% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 9 | $1,795,000 | $199,444 | $5,214 | 2.57% |
| BOULDER, CO (FHA|USDA|VA) | 6 | $1,780,000 | $296,667 | $3,699 | 2.75% |
| Red Bluff, CA (FHA|USDA|VA) | 7 | $1,705,000 | $243,571 | $3,002 | 2.55% |
| JACKSON, MS (FHA|USDA|VA) | 6 | $1,700,000 | $283,333 | $3,656 | 3.40% |
| Sonora, CA (FHA|USDA|VA) | 8 | $1,680,000 | $210,000 | $2,924 | 2.78% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 8 | $1,660,000 | $207,500 | $2,957 | 2.51% |
| Kapaa, HI (FHA|USDA|VA) | 2 | $1,650,000 | $825,000 | $5,038 | 3.00% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 6 | $1,640,000 | $273,333 | $3,055 | 2.71% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $1,635,000 | $545,000 | $5,642 | 3.54% |
| Outside of Metro Areas | 7 | $1,595,000 | $227,857 | $3,276 | 2.79% |
| Payson, AZ (FHA|USDA|VA) | 5 | $1,535,000 | $307,000 | $2,853 | 2.97% |
| SALEM, OR (FHA|USDA|VA) | 6 | $1,530,000 | $255,000 | $4,168 | 2.50% |
| YUBA CITY, CA (FHA|USDA|VA) | 7 | $1,525,000 | $217,857 | $2,779 | 2.48% |
| EL PASO, TX (FHA|USDA|VA) | 9 | $1,505,000 | $167,222 | $3,581 | 2.49% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 8 | $1,500,000 | $187,500 | $2,857 | 2.58% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 5 | $1,495,000 | $299,000 | $4,952 | 2.95% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $3,149 | 2.67% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $4,338 | 2.58% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 4 | $1,460,000 | $365,000 | $3,506 | 2.66% |
| YUMA, AZ (FHA|USDA|VA) | 8 | $1,420,000 | $177,500 | $2,964 | 2.72% |
| Torrington, CT (FHA|USDA|VA) | 7 | $1,415,000 | $202,143 | $3,990 | 2.61% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 8 | $1,380,000 | $172,500 | $2,946 | 2.51% |
| PITTSFIELD, MA (FHA|USDA|VA) | 6 | $1,290,000 | $215,000 | $4,262 | 2.58% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $4,089 | 2.71% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $2,917 | 2.41% |
| LANCASTER, PA (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $4,117 | 2.54% |
| HARRISONBURG, VA (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $4,966 | 2.54% |
| Clearlake, CA (FHA|USDA|VA) | 6 | $1,240,000 | $206,667 | $2,826 | 2.62% |
| DULUTH, MN-WI (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $2,375 | 2.69% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 6 | $1,220,000 | $203,333 | $3,611 | 2.90% |
| BELLINGHAM, WA (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $2,775 | 2.71% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $3,261 | 2.50% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $2,953 | 2.44% |
| Edwards, CO (FHA|USDA|VA) | 2 | $1,120,000 | $560,000 | $3,176 | 2.75% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 6 | $1,080,000 | $180,000 | $3,784 | 2.73% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 6 | $1,070,000 | $178,333 | $3,067 | 2.69% |
| ROANOKE, VA (FHA|USDA|VA) | 6 | $1,070,000 | $178,333 | $3,024 | 2.63% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $3,747 | 2.68% |
| Hilo, HI (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $3,647 | 2.81% |
| WENATCHEE, WA (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $3,275 | 2.63% |
| Traverse City, MI (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $2,856 | 2.25% |
| LOGAN, UT-ID (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $3,086 | 2.41% |
| Fernley, NV (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $3,126 | 2.96% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $2,707 | 2.22% |
| Granbury, TX (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $3,942 | 2.50% |
| COLUMBIA, SC (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $3,302 | 2.80% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $3,358 | 2.95% |
| SANTA FE, NM (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $3,627 | 2.67% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $3,622 | 2.41% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $4,212 | 2.80% |
| Rexburg, ID (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $3,832 | 3.03% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $3,522 | 2.88% |
| Cedar City, UT (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $3,388 | 3.04% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $2,593 | 2.53% |
| SAN ANGELO, TX (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $6,938 | 2.50% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $3,937 | 2.71% |
| OCALA, FL (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $4,888 | 2.92% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $3,230 | 2.63% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $2,478 | 2.56% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $3,825 | 2.41% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $3,407 | 2.63% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $2,644 | 2.21% |
| LONGVIEW, TX (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $3,839 | 3.44% |
| LYNCHBURG, VA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $1,800 | 2.29% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $3,674 | 2.71% |
| Susanville, CA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $6,031 | 2.62% |
| LAS CRUCES, NM (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $4,394 | 2.72% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $3,274 | 2.69% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $2,990 | 2.19% |
| TYLER, TX (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $3,750 | 2.40% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,482 | 2.54% |
| SAVANNAH, GA (FHA|USDA|VA) | 5 | $615,000 | $123,000 | $3,633 | 2.73% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $5,479 | 2.75% |
| GRANTS PASS, OR (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $2,881 | 2.88% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $14,655 | 2.50% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $5,246 | 2.63% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $3,389 | 2.88% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $3,229 | 2.37% |
| Durango, CO (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,975 | 2.56% |
| Shawnee, OK (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $4,226 | 2.54% |
| RACINE, WI (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $3,579 | 2.79% |
| AMARILLO, TX (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $5,059 | 3.08% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $2,694 | 2.75% |
| APPLETON, WI (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $2,881 | 2.88% |
| FORT WAYNE, IN (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $2,283 | 2.29% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $8,279 | 2.50% |
| Dayton, TN (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,585 | 2.38% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,085 | 2.38% |
| Hood River, OR (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,853 | 2.69% |
| GREEN BAY, WI (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $2,612 | 2.83% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $5,222 | 3.38% |
| Shelby, NC (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,238 | 2.81% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,394 | 3.00% |
| Nacogdoches, TX (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,778 | 2.50% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,972 | 2.63% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,809 | 2.56% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $2,786 | 2.42% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $2,854 | 2.67% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $6,027 | 2.63% |
| CORVALLIS, OR (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $2,851 | 2.54% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $2,597 | 2.58% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,909 | 2.50% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $3,377 | 2.63% |
| Brookings, OR (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,601 | 2.56% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,719 | 2.63% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,974 | 2.88% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,893 | 2.88% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $4,652 | 2.33% |
| Ukiah, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,087 | 2.81% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,875 | 2.44% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,845 | 3.00% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,377 | 2.50% |
| Montrose, CO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,718 | 2.88% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,862 | 2.50% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,679 | 2.38% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,167 | 2.88% |
| Centralia, WA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,049 | 2.56% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,668 | 2.75% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,886 | 2.81% |
| Rockport, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,001 | 3.25% |
| FOND DU LAC, WI (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,403 | 2.31% |
| Port Angeles, WA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,184 | 2.56% |
| Ludington, MI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,201 | 2.88% |
| Moscow, ID (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,245 | 2.94% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,547 | 2.50% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,469 | 2.94% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,826 | 2.69% |
| Newport, TN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,636 | 2.75% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,490 | 3.12% |
| WACO, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,322 | 2.25% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,840 | 2.48% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,275 | 2.69% |
| Fergus Falls, MN (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,438 | 2.81% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,769 | 2.75% |
| Shelton, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,949 | 2.50% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,321 | 2.00% |
| Forest City, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,772 | 2.63% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,632 | 2.13% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,865 | 2.99% |
| Washington, NC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,304 | 1.94% |
| READING, PA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,526 | 2.37% |
| Altus, OK (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,940 | 2.25% |
| Newport, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,825 | 2.50% |
| Adrian, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,563 | 2.63% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,822 | 2.75% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,623 | 2.88% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,112 | 2.63% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $12,613 | 2.25% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,582 | 2.81% |
| COLUMBUS, IN (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,663 | 2.06% |
| Lewisburg, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,076 | 2.75% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,748 | 2.25% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,648 | 2.38% |
| Fallon, NV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,413 | 2.63% |
| Elko, NV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,726 | 2.88% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,020 | 2.75% |
| Boone, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,480 | 2.88% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,064 | 2.88% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,340 | 1.88% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,559 | 3.25% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,274 | 2.50% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,275 | 2.81% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,405 | 2.13% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,294 | 2.75% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,147 | 2.63% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,276 | 2.38% |
| Angola, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,353 | 2.25% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,903 | 2.75% |
| FLINT, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,247 | 2.50% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,063 | 2.88% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,514 | 3.63% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,976 | 2.25% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,051 | 2.25% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,522 | 2.63% |
| ERIE, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,735 | 2.63% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,916 | 2.50% |
| Brevard, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,428 | 2.88% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,670 | 2.38% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,459 | 2.50% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,827 | 2.13% |
| Dyersburg, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,121 | 2.25% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,404 | 3.00% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,695 | 2.75% |
| Logansport, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,822 | 2.13% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,748 | 2.63% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,128 | 2.63% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 2.25% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,751 | 2.75% |
| Auburn, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,907 | 2.88% |
| DALTON, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,581 | 2.88% |
| Levelland, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,691 | 1.88% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,061 | 3.75% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,993 | 2.99% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,479 | 2.25% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,492 | 2.75% |
| Athens, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,643 | 2.63% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,520 | 3.13% |
| Prineville, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,036 | 2.88% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,313 | 3.00% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,373 | 2.88% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,457 | 2.00% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,691 | 2.75% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,845 | 2.88% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,405 | 2.25% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,520 | 2.38% |
| Española, NM (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,819 | 2.88% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,533 | 3.25% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,753 | 3.13% |
| Platteville, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,791 | 2.88% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,927 | 2.50% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,857 | 2.25% |
| New Castle, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,253 | 3.25% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,517 | 2.25% |
| Meadville, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,933 | 2.99% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,317 | 2.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,828 | 2.13% |
| Crossville, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,018 | 2.99% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,135 | 2.13% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,108 | 2.25% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,651 | 3.50% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,367 | 3.13% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,782 | 2.75% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,188 | 2.75% |
| Burley, ID (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,006 | 2.63% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,350 | 2.88% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,598 | 2.49% |
| DuBois, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,604 | 2.50% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,794 | 2.88% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,392 | 2.88% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,374 | 2.50% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,245 | 2.99% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,503 | 3.00% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,815 | 2.50% |
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Product Mix
For 2021, Watermark Capital's most frequently originated type of loan was Conventional, with 9,172 originations. Their 2nd most popular type was VA, with 258 originations.
Loan Reason
For 2021, Watermark Capital's most frequently cited loan purpose was Refi, with 5,670 originations. The 2nd most popular reason was Cash Out Refi, with 2,233 originations.
Loan Duration/Length
For 2021, Watermark Capital's most frequently cited loan duration was 30 Year, with 6,729 originations. The 2nd most popular length was 15 Year, with 1,493 originations.
Origination Fees/Closing Costs
Watermark Capital's average total fees were $3,886, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 8,063 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 4,502 | $1,695,330,000 | $376,573 |
| <2.5% | 3,694 | $1,089,050,000 | $294,816 |
| 3-4% | 1,271 | $534,055,000 | $420,185 |
| 4-5% | 19 | $6,535,000 | $343,947 |
During 2021, Watermark Capital's average interest rate for loans was 2.82%, while their most frequently originated rate bucket for loans was 2.5-3%, with 4,502 originations.
Loan Sizing
2021 saw Watermark Capital place emphasis on $200k-400k loans with 4,527 originations, totaling $1,293,055,000 in origination value.
Applicant Income
Watermark Capital lent most frequently to those with incomes in the $100k-150k range, with 2,747 originations. The second most popular income band? $150k-250k, with 2,144 originations.
Applicant Debt to Income Ratio
Watermark Capital lent most frequently to those with DTI ratios of 20-30%, with 2,500 originations. The next most common DTI ratio? 30-36%, with 1,879 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.55%
Watermark Capital has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination88.96%
Watermark Capital has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 9,486 | $3,324,970,000 | $350,513 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 9,486 | $3,324,970,000 | $350,513 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| WATERMARK CAPITAL, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 4 | 44.4% |
| WATERMARK CAPITAL, INC. | Conventional home mortgage | Closing on a mortgage | 1 | 11.1% |
| WATERMARK CAPITAL, INC. | Conventional home mortgage | Trouble during payment process | 4 | 44.4% |