Ocmbc, Inc. Mortgage Lending & HMDA Data, 2015

In 2015, Ocmbc, Inc. of Irvine, CA reported 1,053 mortgage applications totaling $293.0 million, down 9% from 2014. The average application was for $278,277, and applicants reported an average income of $91,360. 52% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (317), Riverside-San Bernardino-Ontario, CA (216) and Anaheim-Santa Ana-Irvine, CA (94) (applications in parentheses).

Mortgage Company & Address Ocmbc, Inc.
19000 Macarthur Blvd, Suite 200
Irvine, CA 92612
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  
Total Number of Mortgage Applications 1,053
Total Mortgage Loan Application Amount $293,026,000
Average Mortgage Loan Application Amount $278,277
Highest Mortgage Loan Application Amount $2,625,000
Average Applicant Income $91,360
Highest Applicant Income $3,741,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ocmbc, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Ocmbc, Inc. by County in 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 317 $ 88,219,000 $ 278,293 $ 72,000
Riverside, California 125 $ 32,371,000 $ 258,968 $ 84,000
Orange, California 95 $ 46,655,000 $ 491,105 $ 171,000
San Bernardino, California 93 $ 23,842,000 $ 256,365 $ 77,000
San Diego, California 39 $ 19,721,000 $ 505,666 $ 242,000
Clark, Nevada 21 $ 5,070,000 $ 241,428 $ 106,000
Gwinnett, Georgia 15 $ 2,408,000 $ 160,533 $ 39,000
Cook, Illinois 14 $ 2,978,000 $ 212,714 $ 95,000
Ventura, California 12 $ 4,226,000 $ 352,166 $ 75,000
Sacramento, California 10 $ 2,546,000 $ 254,600 $ 106,000
El Paso, Colorado 7 $ 1,625,000 $ 232,142 $ 32,000
Orange, Florida 7 $ 1,347,000 $ 192,428 $ 55,000
Fulton, Georgia 7 $ 1,451,000 $ 207,285 $ 84,000
Maricopa, Arizona 6 $ 635,000 $ 105,833 $ 33,000
Alameda, California 6 $ 2,433,000 $ 405,500 $ 121,000
Montgomery, Maryland 6 $ 2,296,000 $ 382,666 $ 102,000
Pima, Arizona 5 $ 938,000 $ 187,600 $ 81,000
Kern, California 5 $ 854,000 $ 170,800 $ 69,000
Monterey, California 5 $ 2,791,000 $ 558,200 $ 101,000
Barrow, Georgia 5 $ 753,000 $ 150,600 $ 77,000
Richmond, Georgia 5 $ 504,000 $ 100,800 $ 55,000
King, Washington 5 $ 1,627,000 $ 325,400 $ 94,000
Santa Clara, California 4 $ 1,697,000 $ 424,250 $ 77,000
Stanislaus, California 4 $ 855,000 $ 213,750 $ 58,000
Lee, Florida 4 $ 656,000 $ 164,000 $ 50,000
Miami-Dade, Florida 4 $ 619,000 $ 154,750 $ 38,000
Palm Beach, Florida 4 $ 1,027,000 $ 256,750 $ 117,000
Caddo, Louisiana 4 $ 508,000 $ 127,000 $ 62,000
Hennepin, Minnesota 4 $ 698,000 $ 174,500 $ 53,000
Cochise, Arizona 3 $ 489,000 $ 163,000 $ 26,000
Contra Costa, California 3 $ 1,239,000 $ 413,000 $ 97,000
San Joaquin, California 3 $ 898,000 $ 299,333 $ 46,000
Adams, Colorado 3 $ 590,000 $ 196,666 $ 123,000
Jefferson, Colorado 3 $ 869,000 $ 289,666 $ 129,000
Broward, Florida 3 $ 368,000 $ 122,666 $ 44,000
Hernando, Florida 3 $ 352,000 $ 117,333 $ 53,000
Cobb, Georgia 3 $ 509,000 $ 169,666 $ 36,000
DeKalb, Georgia 3 $ 586,000 $ 195,333 $ 9,000
Paulding, Georgia 3 $ 332,000 $ 110,666 $ 60,000
Baltimore, Maryland 3 $ 809,000 $ 269,666 $ 111,000
Charles, Maryland 3 $ 814,000 $ 271,333 $ 48,000
Tulsa, Oklahoma 3 $ 468,000 $ 156,000 $ 52,000
Brazoria, Texas 3 $ 810,000 $ 270,000 $ 46,000
Harris, Texas 3 $ 448,000 $ 149,333 $ 65,000
Island, Washington 3 $ 521,000 $ 173,666 $ 63,000
El Dorado, California 2 $ 620,000 $ 310,000 $ 67,000
Merced, California 2 $ 250,000 $ 125,000 $ 72,000
Tulare, California 2 $ 349,000 $ 174,500 $ 37,000
Brevard, Florida 2 $ 215,000 $ 107,500 $ 42,000
Duval, Florida 2 $ 253,000 $ 126,500 $ 43,000
Pasco, Florida 2 $ 404,000 $ 202,000 $ 77,000
Pinellas, Florida 2 $ 251,000 $ 125,500 $ 56,000
Douglas, Georgia 2 $ 309,000 $ 154,500 $ 72,000
Forsyth, Georgia 2 $ 567,000 $ 283,500 $ 85,000
Will, Illinois 2 $ 629,000 $ 314,500 $ 133,000
Lake, Indiana 2 $ 393,000 $ 196,500 $ 68,000
Marion, Indiana 2 $ 441,000 $ 220,500 $ 18,000
Vermillion, Indiana 2 $ 276,000 $ 138,000 $ 34,000
East Baton Rouge, Louisiana 2 $ 256,000 $ 128,000 $ 43,000
Lafourche, Louisiana 2 $ 395,000 $ 197,500 $ 85,000
Orleans, Louisiana 2 $ 242,000 $ 121,000 $ 0
Terrebonne, Louisiana 2 $ 353,000 $ 176,500 $ 66,000
Vermilion, Louisiana 2 $ 334,000 $ 167,000 $ 92,000
Prince George's, Maryland 2 $ 461,000 $ 230,500 $ 57,000
Washington, Maryland 2 $ 256,000 $ 128,000 $ 66,000
Bristol, Massachusetts 2 $ 452,000 $ 226,000 $ 81,000
Hampden, Massachusetts 2 $ 298,000 $ 149,000 $ 49,000
Middlesex, Massachusetts 2 $ 464,000 $ 232,000 $ 43,000
Suffolk, Massachusetts 2 $ 873,000 $ 436,500 $ 240,000
Wayne, Michigan 2 $ 214,000 $ 107,000 $ 182,000
Elko, Nevada 2 $ 361,000 $ 180,500 $ 62,000
Socorro, New Mexico 2 $ 204,000 $ 102,000 $ 339,000
Crook, Oregon 2 $ 334,000 $ 167,000 $ 49,000
Andrews, Texas 2 $ 475,000 $ 237,500 $ 101,000
Collin, Texas 2 $ 535,000 $ 267,500 $ 72,000
Dallas, Texas 2 $ 319,000 $ 159,500 $ 49,000
Victoria, Texas 2 $ 304,000 $ 152,000 $ 109,000
Snohomish, Washington 2 $ 263,000 $ 131,500 $ 32,000
Pinal, Arizona 1 $ 276,000 $ 276,000 $ 87,000
Yavapai, Arizona 1 $ 71,000 $ 71,000 $ 48,000
Yuma, Arizona 1 $ 170,000 $ 170,000 $ 48,000
Fresno, California 1 $ 168,000 $ 168,000 $ 152,000
Imperial, California 1 $ 85,000 $ 85,000 $ 55,000
Kings, California 1 $ 112,000 $ 112,000 $ 66,000
Placer, California 1 $ 680,000 $ 680,000 $ 288,000
San Luis Obispo, California 1 $ 571,000 $ 571,000 $ 110,000
San Mateo, California 1 $ 536,000 $ 536,000 $ 121,000
Shasta, California 1 $ 163,000 $ 163,000 $ 34,000
Solano, California 1 $ 341,000 $ 341,000 $ 95,000
Arapahoe, Colorado 1 $ 376,000 $ 376,000 $ 82,000
Kit Carson, Colorado 1 $ 165,000 $ 165,000 $ 44,000
Routt, Colorado 1 $ 527,000 $ 527,000 $ 107,000
Weld, Colorado 1 $ 137,000 $ 137,000 $ 46,000
Bay, Florida 1 $ 80,000 $ 80,000 $ 47,000
Charlotte, Florida 1 $ 187,000 $ 187,000 $ 79,000
Clay, Florida 1 $ 165,000 $ 165,000 $ 89,000
Flagler, Florida 1 $ 121,000 $ 121,000 $ 30,000
Indian River, Florida 1 $ 201,000 $ 201,000 $ 50,000
Leon, Florida 1 $ 123,000 $ 123,000 $ 38,000
Okaloosa, Florida 1 $ 151,000 $ 151,000 $ 69,000
Polk, Florida 1 $ 276,000 $ 276,000 $ 65,000
Seminole, Florida 1 $ 160,000 $ 160,000 $ 62,000
Bacon, Georgia 1 $ 127,000 $ 127,000 $ 47,000
Clayton, Georgia 1 $ 147,000 $ 147,000 $ 41,000
Coffee, Georgia 1 $ 77,000 $ 77,000 $ 14,000
Colquitt, Georgia 1 $ 112,000 $ 112,000 $ 62,000
Columbia, Georgia 1 $ 152,000 $ 152,000 $ 30,000
Coweta, Georgia 1 $ 117,000 $ 117,000 $ 70,000
Effingham, Georgia 1 $ 69,000 $ 69,000 $ 22,000
Henry, Georgia 1 $ 165,000 $ 165,000 $ 51,000
Houston, Georgia 1 $ 159,000 $ 159,000 $ 61,000
Lee, Georgia 1 $ 149,000 $ 149,000 $ 69,000
Lowndes, Georgia 1 $ 121,000 $ 121,000 $ 0
Morgan, Georgia 1 $ 138,000 $ 138,000 $ 52,000
Newton, Georgia 1 $ 119,000 $ 119,000 $ 51,000
Rockdale, Georgia 1 $ 147,000 $ 147,000 $ 35,000
Union, Georgia 1 $ 156,000 $ 156,000 $ 39,000
Walker, Georgia 1 $ 76,000 $ 76,000 $ 38,000
Walton, Georgia 1 $ 118,000 $ 118,000 $ 53,000
DuPage, Illinois 1 $ 172,000 $ 172,000 $ 48,000
Kankakee, Illinois 1 $ 172,000 $ 172,000 $ 87,000
Hendricks, Indiana 1 $ 156,000 $ 156,000 $ 49,000
Tippecanoe, Indiana 1 $ 174,000 $ 174,000 $ 20,000
Concordia, Louisiana 1 $ 162,000 $ 162,000 $ 116,000
Livingston, Louisiana 1 $ 153,000 $ 153,000 $ 82,000
St. Tammany, Louisiana 1 $ 147,000 $ 147,000 $ 31,000
Calvert, Maryland 1 $ 177,000 $ 177,000 $ 58,000
Frederick, Maryland 1 $ 208,000 $ 208,000 $ 0
Harford, Maryland 1 $ 104,000 $ 104,000 $ 49,000
Barnstable, Massachusetts 1 $ 330,000 $ 330,000 $ 265,000
Worcester, Massachusetts 1 $ 211,000 $ 211,000 $ 81,000
Kent, Michigan 1 $ 134,000 $ 134,000 $ 215,000
Benton, Minnesota 1 $ 135,000 $ 135,000 $ 31,000
Dakota, Minnesota 1 $ 142,000 $ 142,000 $ 32,000
Mille Lacs, Minnesota 1 $ 126,000 $ 126,000 $ 37,000
Olmsted, Minnesota 1 $ 232,000 $ 232,000 $ 77,000
Carson City, Nevada 1 $ 195,000 $ 195,000 $ 57,000
Lyon, Nevada 1 $ 187,000 $ 187,000 $ 27,000
Washoe, Nevada 1 $ 1,435,000 $ 1,435,000 $ 1,088,000
Bernalillo, New Mexico 1 $ 224,000 $ 224,000 $ 114,000
Chaves, New Mexico 1 $ 125,000 $ 125,000 $ 88,000
Dona Ana, New Mexico 1 $ 118,000 $ 118,000 $ 42,000
Grady, Oklahoma 1 $ 150,000 $ 150,000 $ 100,000
Logan, Oklahoma 1 $ 215,000 $ 215,000 $ 126,000
Nowata, Oklahoma 1 $ 176,000 $ 176,000 $ 70,000
Osage, Oklahoma 1 $ 167,000 $ 167,000 $ 50,000
Ottawa, Oklahoma 1 $ 137,000 $ 137,000 $ 0
Washington, Oklahoma 1 $ 241,000 $ 241,000 $ 0
Deschutes, Oregon 1 $ 85,000 $ 85,000 $ 39,000
Douglas, Oregon 1 $ 158,000 $ 158,000 $ 64,000
Multnomah, Oregon 1 $ 142,000 $ 142,000 $ 38,000
Umatilla, Oregon 1 $ 147,000 $ 147,000 $ 57,000
Brown, Texas 1 $ 156,000 $ 156,000 $ 0
Calhoun, Texas 1 $ 100,000 $ 100,000 $ 70,000
Denton, Texas 1 $ 300,000 $ 300,000 $ 78,000
Ector, Texas 1 $ 203,000 $ 203,000 $ 87,000
Fort Bend, Texas 1 $ 160,000 $ 160,000 $ 105,000
Galveston, Texas 1 $ 90,000 $ 90,000 $ 33,000
Gray, Texas 1 $ 91,000 $ 91,000 $ 71,000
Grayson, Texas 1 $ 151,000 $ 151,000 $ 0
Hidalgo, Texas 1 $ 98,000 $ 98,000 $ 32,000
Johnson, Texas 1 $ 64,000 $ 64,000 $ 18,000
McLennan, Texas 1 $ 143,000 $ 143,000 $ 48,000
Tarrant, Texas 1 $ 159,000 $ 159,000 $ 63,000
Taylor, Texas 1 $ 131,000 $ 131,000 $ 49,000
Travis, Texas 1 $ 293,000 $ 293,000 $ 0
Wheeler, Texas 1 $ 74,000 $ 74,000 $ 67,000
Wilson, Texas 1 $ 114,000 $ 114,000 $ 0
Salt Lake, Utah 1 $ 204,000 $ 204,000 $ 0
Tooele, Utah 1 $ 340,000 $ 340,000 $ 119,000
Utah, Utah 1 $ 157,000 $ 157,000 $ 82,000
Weber, Utah 1 $ 161,000 $ 161,000 $ 48,000
Benton, Washington 1 $ 160,000 $ 160,000 $ 61,000
Clark, Washington 1 $ 196,000 $ 196,000 $ 58,000
Franklin, Washington 1 $ 118,000 $ 118,000 $ 33,000
Skagit, Washington 1 $ 224,000 $ 224,000 $ 1,424,000
Spokane, Washington 1 $ 144,000 $ 144,000 $ 50,000
Stevens, Washington 1 $ 169,000 $ 169,000 $ 0
Whatcom, Washington 1 $ 196,000 $ 196,000 $ 66,000

Mortgage Loan Application Detail Totals for Ocmbc, Inc. in 2015

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 598 $160,076,000 $267,000 $1,995,000 $96,000 $1,826,000
Refinancing 440 $129,338,000 $293,000 $2,625,000 $85,000 $3,741,000
Home Improvement 15 $3,612,000 $240,000 $880,000 $93,000 $255,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Hispanic 390 $103,494,000 $265,000 $874,000 $70,000 $523,000
White 284 $92,843,000 $326,000 $2,625,000 $135,000 $3,741,000
Not Provided 203 $53,098,000 $261,000 $999,000 $78,000 $605,000
Black or African American 111 $24,591,000 $221,000 $920,000 $76,000 $301,000
Asian 47 $15,062,000 $320,000 $692,000 $110,000 $393,000
Native Hawaiian or Other Pacific Islander 11 $2,648,000 $240,000 $435,000 $63,000 $125,000
American Indian or Alaskan Native 7 $1,290,000 $184,000 $398,000 $35,000 $79,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
FHA-insured (Federal Housing Administration) 543 $139,168,000 $256,000 $678,000 $61,000 $376,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 424 $133,046,000 $313,000 $2,625,000 $137,000 $3,741,000
VA-guaranteed (Veterans Administration) 86 $20,812,000 $242,000 $724,000 $55,000 $169,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 545 $152,773,000 $280,000 $2,625,000 $97,000 $3,741,000
Application Withdrawn By Applicant 234 $61,998,000 $264,000 $1,000,000 $77,000 $1,440,000
Application Denied By Financial Institution 199 $59,838,000 $300,000 $2,063,000 $100,000 $1,424,000
Application Approved But Not Accepted 53 $13,474,000 $254,000 $794,000 $65,000 $393,000
File Closed For Incompleteness 16 $3,531,000 $220,000 $420,000 $77,000 $163,000
Preapproval Denied by Financial Institution 5 $1,247,000 $249,000 $422,000 $76,000 $171,000
Preapproval Approved but not Accepted 1 $165,000 $165,000 $165,000 $48,000 $48,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 14 $3,464,000 $247,000 $481,000 $77,000 $133,000
Other 14 $3,285,000 $234,000 $472,000 $68,000 $170,000
Credit Application Incomplete 10 $2,315,000 $231,000 $392,000 $62,000 $102,000
Unverifiable Information 8 $2,046,000 $255,000 $392,000 $81,000 $158,000
Debt-To-Income Ratio 7 $1,816,000 $259,000 $419,000 $58,000 $87,000
Collateral 5 $1,459,000 $291,000 $536,000 $89,000 $188,000
Employment History 2 $743,000 $371,000 $468,000 $96,000 $114,000
Insufficient Cash (Downpayment, Closing Cost) 1 $319,000 $319,000 $319,000 $48,000 $48,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Ocmbc, Inc.'s 2015 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Ocmbc, Inc.'s mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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