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 score and performance metrics.

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 an overall pricing score of 70.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Watermark Capital, Inc.?

Watermark Capital, Inc. is a Independent Mortgage Company headquartered in SACRAMENTO, CA.

Unclaimed

Watermark Capital, Inc.

Independent Mortgage Company•SACRAMENTO, CA•Direct to Consumer

We analyzed every closed loan from Watermark Capital — 626 loans across 771 applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Strong

vs. all lenders

Pull Through

Strong

closing strength

Products

Strong

FHA · Conventional · VA · Jumbo

Place

Sound

Near-National · 17 mkts

Safe Rate Awards⭐FHA Superstar⭐Refinance Superstar

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Safe Rate's Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance
Nationwide availability with consistent service

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Report Card

Watermark Capital, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Strong	Highly Competitive +1.3 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
FHA	Sound	Industry Standard Top 60% of lenders
VA	Sound	Industry Standard Top 60% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Sound	Industry Standard Top 60% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National18 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Strong	Sound	518	82.7%	+0.001%Above	$1,156Fees
FHA Loans	Strong	Sound	Exceptional	Strong	38	6.1%	+0.178%Above	$1,216Fees
VA Loans	Sound	Sound	Strong	Acceptable	23	3.7%	-0.539%Below	$1,320Fees
Jumbo Loans	Sound	Strong	Acceptable	Strong	47	7.5%	+0.393%Above	$2,262Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	419	66.9%	+0.072%Above	$1,610Fees
Refinance	Strong	Sound	Exceptional	Strong	207	33.1%	-0.115%Below	$447Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

626

Applications

771

Volume

$355 million

Pricing & Closing

Avg Rate Spread

+0.013%

vs. market APOR

Avg Net Fees

$1,244

Origination − Credits

Pullthrough Rate

81.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$567,125

Avg Borrower Income

$270,864

Avg Property Value

$866,773

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALAZCACOCTDCFLGAHIIDINKSMAMDMIMNMSMTNCNJNMNVOHOKORPASCTNTXUTVAWAWIWY

Top Metro Areas by Place Specialization Score

Los Angeles, CAMSA

Volume: 61Mix: 9.74%of portfolio

Place

Strong

Dallas, TXMSA

Volume: 53Mix: 8.47%of portfolio

Place

Sound

Stockton, CAMSA

Volume: 24Mix: 3.83%of portfolio

Place

Sound

Houston, TXMSA

Volume: 44Mix: 7.03%of portfolio

Place

Sound

Fort Worth, TXMSA

Volume: 31Mix: 4.95%of portfolio

Place

Sound

Anaheim, CAMSA

Volume: 28Mix: 4.47%of portfolio

Place

Sound

Oakland, CAMSA

Volume: 18Mix: 2.88%of portfolio

Place

Sound

San Diego, CAMSA

Volume: 19Mix: 3.04%of portfolio

Place

Sound

Baltimore, MDMSA

Volume: 17Mix: 2.72%of portfolio

Place

Sound

Sacramento, CAMSA

Volume: 16Mix: 2.56%of portfolio

Place

Sound

Showing 10 of 17 metro areas

Top States by Place Specialization Score

CAState

Volume: 233Mix: 37.22%of portfolio

Place

Strong

TXState

Volume: 152Mix: 24.28%of portfolio

Place

Strong

MDState

Volume: 38Mix: 6.07%of portfolio

Place

Sound

AZState

Volume: 24Mix: 3.83%of portfolio

Place

Sound

WAState

Volume: 19Mix: 3.04%of portfolio

Place

Sound

VAState

Volume: 20Mix: 3.19%of portfolio

Place

Sound

NVState

Volume: 15Mix: 2.40%of portfolio

Place

Sound

NCState

Volume: 12Mix: 1.92%of portfolio

Place

Acceptable

GAState

Volume: 11Mix: 1.76%of portfolio

Place

Acceptable

TNState

Volume: 10Mix: 1.60%of portfolio

Place

Acceptable

Showing 10 of 11 states

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.