State Licenses

Last Updated September 23, 2026

Watermark Capital, Inc. (NMLS ID #1838) is an Equal Housing Lender doing business as (dba) Watermark Home Loans and Think Mortgage. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

Watermark Home Loans National Mortgage Licensing System Number 1838

Visit the NMLS access page for more information: NMLS Access Page

Alabama — Alabama Consumer Credit License, License No. 22498
Arizona — Arizona Mortgage Banker License, License No. BK-0925124
Arkansas — Licensed as a Mortgage Banker-Broker-Servicer with the Arkansas Securities Department No. 127489
California — California – DRE Real Estate Corporation License Mortgage Loan Originator (MLO) License Endorsement, License No. 01523306
— California – Licensed by the Department of Financial Protection and Innovation, Financing Law License, License No. 603J352
Colorado — Colorado Mortgage Company Registration
Connecticut — Connecticut Mortgage Lender License, License No. ML-1838
Delaware — Delaware Lender License, License No. 025614
District of Columbia — District of Columbia Mortgage Dual Authority License, License No. MLB1838
Florida — Florida Mortgage Lender License, License No. MLD1567
Georgia — Georgia Mortgage Lender License/Registration, License No. 22604
Hawaii — Hawaii Mortgage Loan Originator Company License, License No. HI-1838
Idaho — Idaho Mortgage Broker/Lender License, License No. MBL-9506
Illinois — Illinois Residential Mortgage License No. MB.6761460- Licensed by the Department of Financial and Professional Regulation, Mortgage Banking Division, 555 W. Monroe, Suite 500; Chicago, IL 60661, (888) 473-4858
Indiana — DFI First Lien Mortgage Lending License No. 22836
Iowa — Mortgage Banker License No. 2022-0031
Kansas — Mortgage Company License MC.0025777
Kentucky — Kentucky Mortgage Company License, License No. MC408333
Louisiana — Louisiana Residential Mortgage Lending License
Maine — Licensed as a Supervised Lender by the Bureau of Consumer Credit Protection No. 1838
Maryland — Maryland Mortgage Lender License, License No. 1838
Massachusetts — Massachusetts Mortgage Lender License, License No. MC1838
Michigan — Michigan 1st Mortgage Broker / Lender / Servicer Registrant, License No. FR0021425
Minnesota — Minnesota Residential Mortgage Originator License, License No. MN-MO-1838
Mississippi — Mississippi Mortgage Lender License, License No. 1838
Missouri — Licensed as a Mortgage Company, License No. 1838
Montana — Mortgage Lender/Servicer/ Broker No. 1838
Nebraska — Mortgage Banker License
Nevada — Nevada Mortgage Broker License, License No. 2542
New Hampshire — Licensed by the New Hampshire Banking Department No. 1838MB
New Jersey — New Jersey Residential Mortgage Lender License
New Mexico — New Mexico Mortgage Loan Company License
North Carolina — North Carolina Mortgage Lender License, License No. L-134728
North Dakota — Money Broker License No. ML104621
Oklahoma — Oklahoma Mortgage Lender License, License No. ML011014
Ohio — Residential Mortgage Lender Registration RM.804414.000
Oregon — Oregon Mortgage Lending License, License No. ML-4043
Pennsylvania — Pennsylvania Mortgage Lender License, License No. 64090
South Carolina — South Carolina BFI Mortgage Lender / Servicer License, License No. MLS – 1838
South Dakota — Mortgage Lender License No.1838.ML
Tennessee — Tennessee Mortgage License, License No. 1838
Texas — Texas – Watermark Capital Inc., 16500 Bake Pkwy, Irvine, CA 92618
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
Utah — Utah-DRE Mortgage Entity License, License No. 6788415, Utah-DFI Residential First Mortgage Notification
Vermont — Vermont Lender License No. LL-1838
Virginia — Virginia Lender and Broker Licenses, License No. MC-4344
Washington — Washington Consumer Loan Company License, License No. CL-1838
West Virginia — Licensed as a Mortgage Lender No. ML-37872
Wisconsin — Wisconsin Mortgage Banker License, License No. 1838BA
Wyoming — Wyoming Mortgage Lender/Broker License, License No. 3191

©2026 Watermark Capital, Inc. | Equal Housing Opportunity Lender | NMLS ID # 1838 (www.nmlsconsumeraccess.org) | 16500 Bake Pkwy, Irvine, CA 92618 | (800) 896-9374 | Licensed by the Department of Financial Protection and Innovation under the California Finance Lenders Law | AZ Mortgage Banker License #BK-0925124| Georgia Mortgage Lender Licensee #22604 | Illinois Residential Mortgage Licensee | Kansas Mortgage Company Licensee | Mississippi Mortgage Lender Licensee | Licensed by the New Hampshire Banking Department | New Jersey Residential Mortgage Lender Licensee | Massachusetts Mortgage Lender License #MC1838 | For licensing information go to: www.nmlsconsumeraccess.org