Watermark Capital, Inc. mortgage approval rate & lending review
Watermark Capital, Inc. decided 2,282 mortgage applications and funded 1,906 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Watermark Capital, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to watermarkcapital.com.
Watermark Capital, Inc. at a glance
Approval is 12.9 points above the 82.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 1,193 / 1,232 | 89% | $495K | 1,067 |
| Home improvement loans | 94% | 29 / 31 | 83% | $305K | 24 |
| Cash-out refinance | 92% | 205 / 222 | 84% | $405K | 173 |
| Refinance | 96% | 352 / 366 | 87% | $555K | 306 |
| Investment property purchase | 92% | 220 / 240 | 86% | $305K | 190 |
| Investment cash-out refinance | 89% | 81 / 91 | 78% | $375K | 63 |
| Investment refinance | 95% | 82 / 86 | 89% | $435K | 73 |
Watermark Capital, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 95% | $645K | 881 | 727 |
| Texas | 97% | $485K | 483 | 423 |
| Maryland | 95% | $375K | 171 | 146 |
| Arizona | 98% | $415K | 93 | 83 |
| Nevada | 91% | $375K | 75 | 58 |
| Florida | 86% | $415K | 73 | 50 |
| Virginia | 98% | $615K | 58 | 51 |
| Washington | 95% | $475K | 58 | 50 |
| North Carolina | 96% | $385K | 46 | 36 |
| District of Columbia | 85% | $565K | 39 | 29 |
| Massachusetts | 100% | $385K | 33 | 28 |
| Oregon | 100% | $495K | 28 | 25 |
| Georgia | 96% | $465K | 26 | 20 |
| Utah | 96% | $505K | 24 | 19 |
| Pennsylvania | 100% | $255K | 22 | 16 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Questions about Watermark Capital, Inc.
What is Watermark Capital, Inc.'s mortgage approval rate?
Watermark Capital, Inc. approved 95.3% of the 2,282 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.9 points above the 82.4% national rate for the same mix of loan types.
How often do borrowers take the loan Watermark Capital, Inc. offers?
Borrowers accepted 88% of the loans Watermark Capital, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Watermark Capital, Inc. make?
The typical home purchase mortgage loan Watermark Capital, Inc. made was $495K; across all loan types its typical loan ran from $305K to $555K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Watermark Capital, Inc. lend?
Watermark Capital, Inc. decided applications in 40 of the states Fat Boy Data covers, most of them in California, Texas and Maryland.
Can I apply to Watermark Capital, Inc. directly?
Yes. Watermark Capital, Inc. reports as a direct lender that takes applications from borrowers. Its website is watermarkcapital.com.
Does this page show Watermark Capital, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Watermark Capital, Inc. treats applications, then get a rate quote from the lender.