Watermark Capital in Texas vs the state
1.6%Denial rate-17.79 pts vs state
1.8%Decision denial rate-23.14 pts vs state
82.5%Origination rate+27.63 pts vs state
6.63%Median rate+0.13 pts vs state
0.10Rate spread (pts)-0.10 pts vs state
$210kMedian applicant income
151Loans originated
3Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 170 | 142 | 2.4% | 6.50% | #446 |
| 2024 | 190 | 157 | 4.2% | 6.63% | #414 |
| 2025 | 183 | 151 | 1.6% | 6.63% | #432 |
What Watermark Capital lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Watermark Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 36 | 30 | 0 | 0.0% |
| Harris County | 32 | 27 | 0 | 0.0% |
| Tarrant County | 31 | 27 | 1 | 3.2% |
| Collin County | 12 | 11 | 0 | 0.0% |
| Fort Bend County | 10 | 8 | 1 | 10.0% |
| Bexar County | 10 | 6 | 1 | 10.0% |
| Denton County | 9 | 7 | 0 | 0.0% |
| Williamson County | 4 | 2 | 0 | 0.0% |
| Cameron County | 4 | 4 | 0 | 0.0% |
| Parker County | 4 | 4 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 183 applications in 2025, of which 151 were originated and 3 denied.
1.6% of all applications, or 1.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Watermark Capital originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Watermark Capital's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology