# Watermark Capital, Inc.

> **Canonical URL:** https://saferate.com/lenders/watermark-capital


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Watermark Capital, Inc. is a independent mortgage company, headquartered in SACRAMENTO, CA, serving borrowers across 34 states, with 626 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 29% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 2549005Q4HZ55QX7YC64
- **Headquarters:** SACRAMENTO, CA
- **Geographic Reach:** Near-National
- **States Served:** 34
- **State List:** AL, AZ, CA, CO, CT, DC, FL, GA, HI, ID, IN, KS, MA, MD, MI, MN, MS, MT, NC, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WY
- **Markets (MSAs):** 18
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.013%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,244
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 626
- **Dollar Volume:** $355 million
- **Applications Received:** 771
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $567,125
- **Average Borrower Income:** $270,864
- **Average Property Value:** $866,773

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 518 | +0.001% | $1,156 | Sound ☺️ |
| FHA | 55/100 | 38 | +0.178% | $1,216 | Sound ☺️ |
| VA | 42/100 | 23 | -0.539% | $1,320 | Sound ☺️ |
| Jumbo | 71/100 | 47 | +0.393% | $2,262 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 330 loans, Score: 48/100 (Sound)
- Refinance: 188 loans, Score: 58/100 (Sound)

**FHA:**
- Purchase: 33 loans, Score: 55/100 (Sound)

**Jumbo:**
- Purchase: 37 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 419 | $242M | +0.072% | Sound ☺️ |
| Refinance | 56/100 | 207 | $113M | -0.115% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 233 | 0.08% | 68/100 |
| TX | 152 | 0.04% | 63/100 |
| MD | 38 | 0.05% | 54/100 |
| AZ | 24 | 0.02% | 47/100 |
| VA | 20 | 0.02% | 45/100 |
| WA | 19 | 0.02% | 46/100 |
| NV | 15 | 0.04% | 45/100 |
| FL | 14 | 0.00% | 37/100 |
| NC | 12 | 0.01% | 38/100 |
| GA | 11 | 0.01% | 38/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 61 | 61/100 |
| Dallas | TX | 53 | 59/100 |
| Houston | TX | 44 | 55/100 |
| Fort Worth | TX | 31 | 55/100 |
| Anaheim | CA | 28 | 55/100 |
| Stockton | CA | 24 | 56/100 |
| Non |  | 22 | 29/100 |
| San Diego | CA | 19 | 48/100 |
| Oakland | CA | 18 | 49/100 |
| Phoenix | AZ | 18 | 45/100 |
| Baltimore | MD | 17 | 46/100 |
| Riverside | CA | 17 | 45/100 |
| Sacramento | CA | 16 | 46/100 |
| Washington, DC | DC-MD | 14 | 46/100 |
| Las Vegas | NV | 12 | 42/100 |

## Where This Lender Ranks

Watermark Capital, Inc. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#8** in Stockton Mortgage Companies
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/mortgage-companies)
- 🏆 **#16** in Stockton
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Watermark Capital, Inc. offer?

Watermark Capital, Inc. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Watermark Capital, Inc. offer mortgages?

Watermark Capital, Inc. offers mortgages in 34 states: AL, AZ, CA, CO, CT, DC, FL, GA, HI, ID, IN, KS, MA, MD, MI, MN, MS, MT, NC, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WY.

### How competitive are Watermark Capital, Inc.'s mortgage rates?

Watermark Capital, Inc. has a pricing score of 71/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.013% above market average.

### What type of lender is Watermark Capital, Inc.?

Watermark Capital, Inc. is a non-depository lender that specializes in mortgage origination, headquartered in SACRAMENTO, CA.

### What is Watermark Capital, Inc.'s loan approval success rate?

Watermark Capital, Inc. has a pull-through score of 63/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/watermark-capital

### How to Cite

> "Watermark Capital, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/watermark-capital

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