Ocmbc, Inc. Mortgage Lending & HMDA Data, 2025
In 2025, Ocmbc, Inc. of Irvine, CA reported 30,431 mortgage applications totaling $12.9 billion, up 27% from 2024. The average application was for $425,245, and applicants reported an average income of $180,398. 54% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (4,357), Riverside-San Bernardino-Ontario, CA (3,697) and Houston-The Woodlands-Sugar Land, TX (946) (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 | 30,431 |
| Total Mortgage Loan Application Amount | $12,940,645,000 |
| Average Mortgage Loan Application Amount | $425,245 |
| Highest Mortgage Loan Application Amount | $6,905,000 |
| Average Applicant Income | $180,398 |
| Highest Applicant Income | $9,625,000 |
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Act (HMDA) records Ocmbc, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 4,357 | $ 2,690,375,000 | $ 617,483 | $ 233,000 |
| Riverside-San Bernardino-Ontario, CA | 3,697 | $ 1,622,525,000 | $ 438,876 | $ 166,000 |
| Outside any metro area | 1,282 | $ 429,180,000 | $ 334,773 | $ 162,643 |
| Houston-The Woodlands-Sugar Land, TX | 946 | $ 294,640,000 | $ 311,458 | $ 220,000 |
| Chicago-Naperville, IL | 672 | $ 195,840,000 | $ 291,428 | $ 118,000 |
| Baltimore-Columbia-Towson, MD | 610 | $ 183,230,000 | $ 300,377 | $ 156,000 |
| Anaheim-Santa Ana-Irvine, CA | 609 | $ 482,805,000 | $ 792,783 | $ 322,000 |
| Miami-Miami Beach-Kendall, FL | 604 | $ 320,370,000 | $ 530,413 | $ 238,000 |
| Phoenix-Mesa-Scottsdale, AZ | 595 | $ 239,065,000 | $ 401,789 | $ 177,000 |
| Las Vegas-Henderson-Paradise, NV | 566 | $ 208,770,000 | $ 368,851 | $ 137,000 |
| Dallas-Plano-Irving, TX | 556 | $ 193,810,000 | $ 348,579 | $ 218,000 |
| Atlanta-Sandy Springs-Roswell, GA | 553 | $ 195,535,000 | $ 353,589 | $ 170,000 |
| San Diego-Carlsbad, CA | 549 | $ 349,665,000 | $ 636,912 | $ 283,000 |
| Bakersfield, CA | 536 | $ 160,570,000 | $ 299,570 | $ 116,000 |
| Orlando-Kissimmee-Sanford, FL | 428 | $ 146,260,000 | $ 341,728 | $ 150,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 415 | $ 198,095,000 | $ 477,337 | $ 229,000 |
| Washington, DC-MD | 366 | $ 142,940,000 | $ 390,546 | $ 179,704 |
| Sacramento--Roseville--Arden-Arcade, CA | 353 | $ 152,235,000 | $ 431,260 | $ 204,000 |
| Oakland-Hayward-Berkeley, CA | 318 | $ 178,030,000 | $ 559,842 | $ 203,000 |
| Denver-Aurora-Lakewood, CO | 303 | $ 143,325,000 | $ 473,019 | $ 200,000 |
| Tampa, FL | 272 | $ 100,450,000 | $ 369,301 | $ 179,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 266 | $ 175,290,000 | $ 658,984 | $ 253,000 |
| Arlington-Alexandria-Reston, VA-WV | 249 | $ 111,745,000 | $ 448,775 | $ 221,216 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 220 | $ 105,460,000 | $ 479,363 | $ 185,000 |
| Fort Worth-Arlington, TX | 212 | $ 64,880,000 | $ 306,037 | $ 160,000 |
| Fresno, CA | 209 | $ 70,995,000 | $ 339,688 | $ 166,000 |
| Cape Coral-Fort Myers, FL | 201 | $ 70,055,000 | $ 348,532 | $ 125,000 |
| San Antonio-New Braunfels, TX | 195 | $ 48,545,000 | $ 248,948 | $ 70,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 193 | $ 95,615,000 | $ 495,414 | $ 283,000 |
| Charlotte-Concord-Gastonia, NC-SC | 183 | $ 69,235,000 | $ 378,333 | $ 246,196 |
| Washington-Baltimore-Arlington, DC | 180 | $ 83,460,000 | $ 463,666 | $ 226,000 |
| Providence-Warwick, RI-MA | 175 | $ 76,255,000 | $ 435,742 | $ 117,525 |
| Stockton-Lodi, CA | 174 | $ 67,850,000 | $ 389,942 | $ 170,000 |
| Richmond, VA | 165 | $ 45,885,000 | $ 278,090 | $ 119,000 |
| Lakeland-Winter Haven, FL | 160 | $ 38,260,000 | $ 239,125 | $ 111,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 158 | $ 124,510,000 | $ 788,037 | $ 356,000 |
| Boston, MA | 157 | $ 83,065,000 | $ 529,076 | $ 133,000 |
| Indianapolis-Carmel-Anderson, IN | 156 | $ 28,340,000 | $ 181,666 | $ 59,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 155 | $ 65,505,000 | $ 422,612 | $ 147,470 |
| Detroit-Dearborn-Livonia, MI | 149 | $ 29,015,000 | $ 194,731 | $ 77,000 |
| Kansas City, MO-KS | 149 | $ 38,595,000 | $ 259,026 | $ 70,093 |
| Philadelphia, PA | 149 | $ 34,675,000 | $ 232,718 | $ 54,000 |
| Cleveland, OH | 141 | $ 29,135,000 | $ 206,631 | $ 56,000 |
| Jacksonville, FL | 141 | $ 40,495,000 | $ 287,198 | $ 98,000 |
| Columbus, OH | 139 | $ 33,945,000 | $ 244,208 | $ 92,000 |
| New Orleans-Metairie, LA | 132 | $ 33,130,000 | $ 250,984 | $ 65,000 |
| Warren-Troy-Farmington Hills, MI | 131 | $ 35,005,000 | $ 267,213 | $ 137,000 |
| Cambridge-Newton-Framingham, MA | 129 | $ 67,705,000 | $ 524,844 | $ 225,000 |
| Modesto, CA | 128 | $ 46,520,000 | $ 363,437 | $ 144,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 125 | $ 55,375,000 | $ 443,000 | $ 217,784 |
| Oklahoma City, OK | 117 | $ 32,245,000 | $ 275,598 | $ 124,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 111 | $ 32,835,000 | $ 295,810 | $ 104,369 |
| Newark, NJ-PA | 109 | $ 56,965,000 | $ 522,614 | $ 222,000 |
| Worcester, MA-CT | 109 | $ 45,945,000 | $ 421,513 | $ 117,000 |
| St. Petersburg-Clearwater-Largo, FL | 107 | $ 42,935,000 | $ 401,261 | $ 133,000 |
| North Port-Sarasota-Bradenton, FL | 106 | $ 50,730,000 | $ 478,584 | $ 141,000 |
| Visalia-Porterville, CA | 106 | $ 30,520,000 | $ 287,924 | $ 135,000 |
| Austin-Round Rock, TX | 103 | $ 48,105,000 | $ 467,038 | $ 178,000 |
| Hartford-West Hartford-East Hartford, CT | 99 | $ 31,155,000 | $ 314,696 | $ 96,000 |
| Vallejo-Fairfield, CA | 95 | $ 41,675,000 | $ 438,684 | $ 125,000 |
| Salinas, CA | 92 | $ 56,540,000 | $ 614,565 | $ 385,000 |
| Ocala, FL | 91 | $ 21,115,000 | $ 232,032 | $ 123,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 88 | $ 25,440,000 | $ 289,090 | $ 104,000 |
| Milwaukee-Waukesha-West Allis, WI | 87 | $ 17,595,000 | $ 202,241 | $ 40,000 |
| Baton Rouge, LA | 84 | $ 18,170,000 | $ 216,309 | $ 72,000 |
| Tucson, AZ | 83 | $ 32,155,000 | $ 387,409 | $ 140,000 |
| Marietta, GA | 82 | $ 33,280,000 | $ 405,853 | $ 208,000 |
| Seattle-Bellevue-Everett, WA | 82 | $ 54,580,000 | $ 665,609 | $ 185,000 |
| New York-Jersey City-White Plains, NY-NJ | 81 | $ 48,205,000 | $ 595,123 | $ 208,000 |
| St. Louis, MO-IL | 81 | $ 19,985,000 | $ 246,728 | $ 152,814 |
| Santa Rosa, CA | 80 | $ 46,940,000 | $ 586,750 | $ 230,000 |
| Palm Bay-Melbourne-Titusville, FL | 76 | $ 23,250,000 | $ 305,921 | $ 87,000 |
| Lakewood-New Brunswick, NJ | 74 | $ 33,730,000 | $ 455,810 | $ 181,000 |
| Louisville/Jefferson County, KY-IN | 74 | $ 16,250,000 | $ 219,594 | $ 120,486 |
| Memphis, TN-MS-AR | 73 | $ 14,585,000 | $ 199,794 | $ 90,986 |
| Merced, CA | 71 | $ 23,765,000 | $ 334,718 | $ 133,000 |
| Salt Lake City, UT | 71 | $ 32,415,000 | $ 456,549 | $ 352,000 |
| San Francisco-Redwood City-South San Francisco, CA | 67 | $ 56,205,000 | $ 838,880 | $ 337,000 |
| Bridgeport-Stamford-Norwalk, CT | 65 | $ 27,875,000 | $ 428,846 | $ 178,000 |
| El Paso, TX | 63 | $ 12,675,000 | $ 201,190 | $ 58,000 |
| Savannah, GA | 63 | $ 18,835,000 | $ 298,968 | $ 107,000 |
| Port St. Lucie, FL | 62 | $ 22,000,000 | $ 354,838 | $ 133,000 |
| Cincinnati, OH-KY-IN | 61 | $ 14,905,000 | $ 244,344 | $ 98,524 |
| Santa Maria-Santa Barbara, CA | 60 | $ 31,840,000 | $ 530,666 | $ 215,000 |
| New Haven-Milford, CT | 58 | $ 18,610,000 | $ 320,862 | $ 67,000 |
| Elgin, IL | 57 | $ 17,045,000 | $ 299,035 | $ 88,000 |
| Reno, NV | 56 | $ 23,920,000 | $ 427,142 | $ 231,000 |
| Springfield, MA | 56 | $ 16,570,000 | $ 295,892 | $ 62,000 |
| Raleigh, NC | 55 | $ 22,025,000 | $ 400,454 | $ 300,000 |
| Montgomery County-Bucks County-Chester County, PA | 52 | $ 24,490,000 | $ 470,961 | $ 281,000 |
| Colorado Springs, CO | 51 | $ 19,085,000 | $ 374,215 | $ 174,000 |
| Corpus Christi, TX | 51 | $ 12,335,000 | $ 241,862 | $ 58,000 |
| Columbus, GA-AL | 49 | $ 7,765,000 | $ 158,469 | $ 21,816 |
| Barnstable Town, MA | 48 | $ 22,780,000 | $ 474,583 | $ 144,000 |
| Charleston-North Charleston, SC | 48 | $ 20,360,000 | $ 424,166 | $ 172,000 |
| Everett, WA | 48 | $ 30,880,000 | $ 643,333 | $ 241,000 |
| Lake Havasu City-Kingman, AZ | 47 | $ 14,675,000 | $ 312,234 | $ 158,000 |
| Tulsa, OK | 47 | $ 13,605,000 | $ 289,468 | $ 192,000 |
| Birmingham-Hoover, AL | 46 | $ 12,880,000 | $ 280,000 | $ 204,000 |
| Albuquerque, NM | 45 | $ 12,835,000 | $ 285,222 | $ 100,000 |
| Waterbury-Shelton, CT | 45 | $ 11,715,000 | $ 260,333 | $ 78,000 |
| Columbia, SC | 44 | $ 11,300,000 | $ 256,818 | $ 123,000 |
| Tacoma-Lakewood, WA | 44 | $ 18,220,000 | $ 414,090 | $ 131,000 |
| Grand Rapids-Wyoming, MI | 43 | $ 12,825,000 | $ 298,255 | $ 78,000 |
| Laredo, TX | 43 | $ 10,435,000 | $ 242,674 | $ 119,000 |
| Naples-Immokalee-Marco Island, FL | 43 | $ 20,455,000 | $ 475,697 | $ 176,000 |
| Punta Gorda, FL | 42 | $ 12,890,000 | $ 306,904 | $ 62,000 |
| El Centro, CA | 41 | $ 12,495,000 | $ 304,756 | $ 108,000 |
| Provo-Orem, UT | 41 | $ 23,705,000 | $ 578,170 | $ 301,000 |
| Lake County-Kenosha County, IL-WI | 40 | $ 17,900,000 | $ 447,500 | $ 183,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 39 | $ 19,625,000 | $ 503,205 | $ 272,000 |
| Lake County-Porter County-Jasper County, IN | 38 | $ 8,960,000 | $ 235,789 | $ 71,000 |
| Hanford-Corcoran, CA | 36 | $ 10,060,000 | $ 279,444 | $ 100,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 36 | $ 14,050,000 | $ 390,277 | $ 201,000 |
| Ogden-Clearfield, UT | 36 | $ 12,830,000 | $ 356,388 | $ 86,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 35 | $ 11,225,000 | $ 320,714 | $ 97,285 |
| Hagerstown-Martinsburg, MD-WV | 35 | $ 9,055,000 | $ 258,714 | $ 59,800 |
| Pittsburgh, PA | 34 | $ 6,610,000 | $ 194,411 | $ 55,000 |
| Prescott Valley-Prescott, AZ | 33 | $ 14,535,000 | $ 440,454 | $ 197,000 |
| Akron, OH | 32 | $ 5,390,000 | $ 168,437 | $ 98,000 |
| Salem, OR | 32 | $ 12,500,000 | $ 390,625 | $ 93,000 |
| Durham-Chapel Hill, NC | 31 | $ 12,535,000 | $ 404,354 | $ 128,000 |
| Boise City, ID | 30 | $ 21,090,000 | $ 703,000 | $ 440,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 30 | $ 11,850,000 | $ 395,000 | $ 104,000 |
| Knoxville, TN | 30 | $ 9,410,000 | $ 313,666 | $ 73,000 |
| Norwich-New London, CT | 30 | $ 9,960,000 | $ 332,000 | $ 76,000 |
| Dayton-Springfield-Kettering, OH | 29 | $ 4,675,000 | $ 161,206 | $ 95,000 |
| Greenville-Anderson-Mauldin, SC | 29 | $ 8,115,000 | $ 279,827 | $ 167,000 |
| Huntsville, AL | 29 | $ 9,095,000 | $ 313,620 | $ 87,000 |
| Decatur, AL | 28 | $ 5,350,000 | $ 191,071 | $ 36,000 |
| McAllen-Edinburg-Mission, TX | 28 | $ 7,860,000 | $ 280,714 | $ 85,000 |
| Mobile, AL | 27 | $ 5,385,000 | $ 199,444 | $ 47,000 |
| Panama City, FL | 27 | $ 10,785,000 | $ 399,444 | $ 44,000 |
| Pensacola-Ferry Pass-Brent, FL | 27 | $ 7,065,000 | $ 261,666 | $ 125,000 |
| San Rafael, CA | 26 | $ 22,830,000 | $ 878,076 | $ 382,000 |
| Jackson, MS | 25 | $ 4,345,000 | $ 173,800 | $ 108,000 |
| Reading, PA | 25 | $ 4,465,000 | $ 178,600 | $ 60,000 |
| Urban Honolulu, HI | 25 | $ 18,085,000 | $ 723,400 | $ 268,000 |
| Wichita, KS | 25 | $ 5,175,000 | $ 207,000 | $ 72,000 |
| Greeley, CO | 24 | $ 7,620,000 | $ 317,500 | $ 197,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 24 | $ 15,110,000 | $ 629,583 | $ 285,000 |
| Rockford, IL | 24 | $ 4,430,000 | $ 184,583 | $ 110,000 |
| Santa Cruz-Watsonville, CA | 24 | $ 18,420,000 | $ 767,500 | $ 236,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 24 | $ 4,070,000 | $ 169,583 | $ 63,000 |
| Anchorage, AK | 23 | $ 8,975,000 | $ 390,217 | $ 103,000 |
| Atlantic City-Hammonton, NJ | 23 | $ 7,985,000 | $ 347,173 | $ 134,000 |
| Chattanooga, TN-GA | 23 | $ 6,185,000 | $ 268,913 | $ 69,826 |
| Yuba City, CA | 23 | $ 8,975,000 | $ 390,217 | $ 257,000 |
| Camden, NJ | 22 | $ 5,910,000 | $ 268,636 | $ 170,000 |
| Crestview-Fort Walton Beach-Destin, FL | 22 | $ 13,320,000 | $ 605,454 | $ 253,000 |
| Hinesville, GA | 22 | $ 5,250,000 | $ 238,636 | $ 70,000 |
| Pueblo, CO | 22 | $ 4,970,000 | $ 225,909 | $ 172,000 |
| Tuscaloosa, AL | 22 | $ 5,930,000 | $ 269,545 | $ 123,000 |
| Lexington Park, MD | 21 | $ 7,165,000 | $ 341,190 | $ 242,000 |
| Midland, TX | 21 | $ 5,815,000 | $ 276,904 | $ 114,000 |
| Napa, CA | 21 | $ 12,945,000 | $ 616,428 | $ 503,000 |
| Redding, CA | 21 | $ 5,875,000 | $ 279,761 | $ 74,000 |
| Augusta-Richmond County, GA-SC | 20 | $ 4,390,000 | $ 219,500 | $ 78,750 |
| Clarksville, TN-KY | 20 | $ 5,420,000 | $ 271,000 | $ 86,500 |
| Killeen-Temple, TX | 20 | $ 6,130,000 | $ 306,500 | $ 119,000 |
| Little Rock-North Little Rock-Conway, AR | 20 | $ 5,680,000 | $ 284,000 | $ 116,000 |
| Trenton, NJ | 20 | $ 5,230,000 | $ 261,500 | $ 115,000 |
| Wilmington, DE-MD-NJ | 20 | $ 7,130,000 | $ 356,500 | $ 95,400 |
| Wilmington, NC | 20 | $ 8,420,000 | $ 421,000 | $ 106,000 |
| Yuma, AZ | 20 | $ 5,810,000 | $ 290,500 | $ 151,000 |
| Beaumont-Port Arthur, TX | 19 | $ 3,505,000 | $ 184,473 | $ 181,000 |
| Lafayette-West Lafayette, IN | 19 | $ 4,285,000 | $ 225,526 | $ 88,000 |
| Odessa, TX | 19 | $ 4,615,000 | $ 242,894 | $ 167,000 |
| Salisbury, MD-DE | 19 | $ 3,565,000 | $ 187,631 | $ 97,000 |
| Sherman-Denison, TX | 19 | $ 6,275,000 | $ 330,263 | $ 147,000 |
| Asheville, NC | 18 | $ 6,960,000 | $ 386,666 | $ 184,000 |
| Eugene, OR | 18 | $ 6,630,000 | $ 368,333 | $ 77,000 |
| Gainesville, FL | 18 | $ 4,150,000 | $ 230,555 | $ 76,000 |
| Sebastian-Vero Beach, FL | 18 | $ 5,780,000 | $ 321,111 | $ 146,000 |
| Hickory-Lenoir-Morganton, NC | 17 | $ 4,805,000 | $ 282,647 | $ 133,000 |
| Tallahassee, FL | 17 | $ 3,905,000 | $ 229,705 | $ 146,000 |
| Toledo, OH | 17 | $ 2,935,000 | $ 172,647 | $ 0 |
| Des Moines-West Des Moines, IA | 16 | $ 3,930,000 | $ 245,625 | $ 161,000 |
| Fort Collins, CO | 16 | $ 7,660,000 | $ 478,750 | $ 154,000 |
| Lexington-Fayette, KY | 16 | $ 5,840,000 | $ 365,000 | $ 62,000 |
| Portland-South Portland, ME | 16 | $ 5,700,000 | $ 356,250 | $ 205,000 |
| Yakima, WA | 16 | $ 4,560,000 | $ 285,000 | $ 42,000 |
| York-Hanover, PA | 16 | $ 4,020,000 | $ 251,250 | $ 74,000 |
| Auburn-Opelika, AL | 15 | $ 3,505,000 | $ 233,666 | $ 43,000 |
| Coeur D'Alene, ID | 15 | $ 8,005,000 | $ 533,666 | $ 293,000 |
| Flagstaff, AZ | 15 | $ 11,435,000 | $ 762,333 | $ 403,000 |
| Homosassa Springs, FL | 15 | $ 4,245,000 | $ 283,000 | $ 77,000 |
| Macon-Bibb County, GA | 15 | $ 2,805,000 | $ 187,000 | $ 119,000 |
| Spartanburg, SC | 15 | $ 3,025,000 | $ 201,666 | $ 96,000 |
| Winston-Salem, NC | 15 | $ 3,875,000 | $ 258,333 | $ 46,000 |
| Brownsville-Harlingen, TX | 14 | $ 2,830,000 | $ 202,142 | $ 62,000 |
| Chico, CA | 14 | $ 3,780,000 | $ 270,000 | $ 93,000 |
| Manchester-Nashua, NH | 14 | $ 4,850,000 | $ 346,428 | $ 234,000 |
| Omaha-Council Bluffs, NE-IA | 14 | $ 2,890,000 | $ 206,428 | $ 86,000 |
| Spokane-Spokane Valley, WA | 14 | $ 5,750,000 | $ 410,714 | $ 160,000 |
| Bremerton-Silverdale, WA | 13 | $ 5,535,000 | $ 425,769 | $ 167,000 |
| Daphne-Fairhope-Foley, AL | 13 | $ 4,375,000 | $ 336,538 | $ 154,000 |
| Fayetteville, NC | 13 | $ 2,435,000 | $ 187,307 | $ 70,000 |
| Harrisburg-Carlisle, PA | 13 | $ 2,675,000 | $ 205,769 | $ 60,000 |
| Lubbock, TX | 13 | $ 3,875,000 | $ 298,076 | $ 328,000 |
| Medford, OR | 13 | $ 5,675,000 | $ 436,538 | $ 183,000 |
| San Angelo, TX | 13 | $ 3,245,000 | $ 249,615 | $ 81,000 |
| Slidell-Mandeville-Covington, LA | 13 | $ 3,105,000 | $ 238,846 | $ 55,000 |
| Boulder, CO | 12 | $ 6,220,000 | $ 518,333 | $ 151,000 |
| College Station-Bryan, TX | 12 | $ 4,680,000 | $ 390,000 | $ 266,000 |
| Fort Wayne, IN | 12 | $ 2,820,000 | $ 235,000 | $ 27,000 |
| Greensboro-High Point, NC | 12 | $ 3,060,000 | $ 255,000 | $ 72,000 |
| Winchester, VA-WV | 12 | $ 3,620,000 | $ 301,666 | $ 96,000 |
| Kahului-Wailuku-Lahaina, HI | 11 | $ 6,825,000 | $ 620,454 | $ 153,000 |
| Montgomery, AL | 11 | $ 1,915,000 | $ 174,090 | $ 85,000 |
| St. George, UT | 11 | $ 5,905,000 | $ 536,818 | $ 249,000 |
| Longview, TX | 10 | $ 3,290,000 | $ 329,000 | $ 213,000 |
| Pittsfield, MA | 10 | $ 1,880,000 | $ 188,000 | $ 0 |
| Rockingham County-Strafford County, NH | 10 | $ 4,160,000 | $ 416,000 | $ 417,000 |
| Rocky Mount, NC | 10 | $ 1,600,000 | $ 160,000 | $ 30,000 |
| Springfield, MO | 10 | $ 2,160,000 | $ 216,000 | $ 134,000 |
| Bend-Redmond, OR | 9 | $ 4,325,000 | $ 480,555 | $ 157,000 |
| Dover, DE | 9 | $ 2,735,000 | $ 303,888 | $ 94,000 |
| Fargo, ND-MN | 9 | $ 3,055,000 | $ 339,444 | $ 217,777 |
| Lawton, OK | 9 | $ 1,495,000 | $ 166,111 | $ 0 |
| Rapid City, SD | 9 | $ 1,955,000 | $ 217,222 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 9 | $ 1,645,000 | $ 182,777 | $ 29,000 |
| Ann Arbor, MI | 8 | $ 2,390,000 | $ 298,750 | $ 136,000 |
| Bellingham, WA | 8 | $ 4,070,000 | $ 508,750 | $ 247,000 |
| Flint, MI | 8 | $ 1,640,000 | $ 205,000 | $ 119,000 |
| Gulfport-Biloxi-Pascagoula, MS | 8 | $ 1,000,000 | $ 125,000 | $ 11,000 |
| Kankakee, IL | 8 | $ 1,560,000 | $ 195,000 | $ 65,000 |
| Kennewick-Richland, WA | 8 | $ 2,100,000 | $ 262,500 | $ 51,000 |
| Kenosha, WI | 8 | $ 1,680,000 | $ 210,000 | $ 37,000 |
| Lansing-East Lansing, MI | 8 | $ 1,670,000 | $ 208,750 | $ 63,000 |
| Longview, WA | 8 | $ 2,620,000 | $ 327,500 | $ 505,000 |
| Lynchburg, VA | 8 | $ 1,440,000 | $ 180,000 | $ 79,000 |
| Monroe, MI | 8 | $ 2,510,000 | $ 313,750 | $ 150,000 |
| Racine, WI | 8 | $ 1,010,000 | $ 126,250 | $ 0 |
| Sebring, FL | 8 | $ 1,890,000 | $ 236,250 | $ 43,000 |
| Sioux Falls, SD | 8 | $ 4,630,000 | $ 578,750 | $ 210,000 |
| Wichita Falls, TX | 8 | $ 1,140,000 | $ 142,500 | $ 51,000 |
| Bangor, ME | 7 | $ 2,025,000 | $ 289,285 | $ 30,000 |
| Bay City, MI | 7 | $ 405,000 | $ 57,857 | $ 40,000 |
| Blacksburg-Christiansburg-Radford, VA | 7 | $ 855,000 | $ 122,142 | $ 52,000 |
| Florence-Muscle Shoals, AL | 7 | $ 1,675,000 | $ 239,285 | $ 245,000 |
| Gainesville, GA | 7 | $ 2,645,000 | $ 377,857 | $ 311,000 |
| Lafayette, LA | 7 | $ 1,085,000 | $ 155,000 | $ 68,000 |
| Lancaster, PA | 7 | $ 1,835,000 | $ 262,142 | $ 41,000 |
| Madison, WI | 7 | $ 2,915,000 | $ 416,428 | $ 312,000 |
| Saginaw, MI | 7 | $ 605,000 | $ 86,428 | $ 27,000 |
| Tyler, TX | 7 | $ 1,535,000 | $ 219,285 | $ 88,000 |
| Wildwood-The Villages, FL | 7 | $ 1,725,000 | $ 246,428 | $ 145,000 |
| Abilene, TX | 6 | $ 1,270,000 | $ 211,666 | $ 19,000 |
| Goldsboro, NC | 6 | $ 860,000 | $ 143,333 | $ 39,000 |
| Grand Junction, CO | 6 | $ 2,570,000 | $ 428,333 | $ 104,000 |
| Joplin, MO | 6 | $ 1,620,000 | $ 270,000 | $ 366,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 1,340,000 | $ 223,333 | $ 48,000 |
| Las Cruces, NM | 6 | $ 1,430,000 | $ 238,333 | $ 14,000 |
| Monroe, LA | 6 | $ 1,990,000 | $ 331,666 | $ 126,000 |
| Morgantown, WV | 6 | $ 1,300,000 | $ 216,666 | $ 21,000 |
| Muskegon, MI | 6 | $ 1,610,000 | $ 268,333 | $ 40,000 |
| Olympia-Tumwater, WA | 6 | $ 2,850,000 | $ 475,000 | $ 189,000 |
| St. Joseph, MO-KS | 6 | $ 1,640,000 | $ 273,333 | $ 125,000 |
| Wenatchee, WA | 6 | $ 2,070,000 | $ 345,000 | $ 179,000 |
| Athens-Clarke County, GA | 5 | $ 2,065,000 | $ 413,000 | $ 96,000 |
| Corvallis, OR | 5 | $ 1,375,000 | $ 275,000 | $ 87,000 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 1,115,000 | $ 223,000 | $ 0 |
| Erie, PA | 5 | $ 755,000 | $ 151,000 | $ 57,000 |
| Green Bay, WI | 5 | $ 1,425,000 | $ 285,000 | $ 118,000 |
| Hammond, LA | 5 | $ 1,205,000 | $ 241,000 | $ 168,000 |
| Kalamazoo-Portage, MI | 5 | $ 945,000 | $ 189,000 | $ 8,000 |
| Lewiston-Auburn, ME | 5 | $ 1,505,000 | $ 301,000 | $ 70,000 |
| Lincoln, NE | 5 | $ 1,855,000 | $ 371,000 | $ 13,000 |
| Logan, UT-ID | 5 | $ 1,965,000 | $ 393,000 | $ 126,000 |
| Morristown, TN | 5 | $ 1,015,000 | $ 203,000 | $ 61,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 1,785,000 | $ 357,000 | $ 105,000 |
| Roanoke, VA | 5 | $ 1,085,000 | $ 217,000 | $ 190,000 |
| Rochester, MN | 5 | $ 1,195,000 | $ 239,000 | $ 106,000 |
| Shreveport-Bossier City, LA | 5 | $ 875,000 | $ 175,000 | $ 23,000 |
| South Bend-Mishawaka, IN-MI | 5 | $ 2,065,000 | $ 413,000 | $ 138,400 |
| Springfield, OH | 5 | $ 725,000 | $ 145,000 | $ 0 |
| Valdosta, GA | 5 | $ 1,015,000 | $ 203,000 | $ 54,000 |
| Vineland-Bridgeton, NJ | 5 | $ 1,495,000 | $ 299,000 | $ 151,000 |
| Waco, TX | 5 | $ 1,305,000 | $ 261,000 | $ 294,000 |
| Warner Robins, GA | 5 | $ 1,205,000 | $ 241,000 | $ 69,000 |
| Amarillo, TX | 4 | $ 1,260,000 | $ 315,000 | $ 195,000 |
| Billings, MT | 4 | $ 1,450,000 | $ 362,500 | $ 223,000 |
| Bowling Green, KY | 4 | $ 1,090,000 | $ 272,500 | $ 39,000 |
| Canton-Massillon, OH | 4 | $ 520,000 | $ 130,000 | $ 24,000 |
| Charlottesville, VA | 4 | $ 870,000 | $ 217,500 | $ 173,000 |
| Cleveland, TN | 4 | $ 870,000 | $ 217,500 | $ 75,000 |
| Duluth, MN-WI | 4 | $ 550,000 | $ 137,500 | $ 84,500 |
| Fort Smith, AR-OK | 4 | $ 710,000 | $ 177,500 | $ 0 |
| Greenville, NC | 4 | $ 630,000 | $ 157,500 | $ 135,000 |
| Houma-Thibodaux, LA | 4 | $ 1,540,000 | $ 385,000 | $ 220,000 |
| Idaho Falls, ID | 4 | $ 2,020,000 | $ 505,000 | $ 84,000 |
| Lake Charles, LA | 4 | $ 580,000 | $ 145,000 | $ 67,000 |
| Pocatello, ID | 4 | $ 1,140,000 | $ 285,000 | $ 15,000 |
| Rome, GA | 4 | $ 760,000 | $ 190,000 | $ 30,000 |
| Santa Fe, NM | 4 | $ 1,600,000 | $ 400,000 | $ 229,000 |
| Twin Falls, ID | 4 | $ 1,050,000 | $ 262,500 | $ 54,000 |
| Walla Walla, WA | 4 | $ 1,340,000 | $ 335,000 | $ 654,000 |
| Albany, OR | 3 | $ 1,525,000 | $ 508,333 | $ 389,000 |
| Appleton, WI | 3 | $ 725,000 | $ 241,666 | $ 112,000 |
| Brunswick, GA | 3 | $ 235,000 | $ 78,333 | $ 0 |
| Burlington, NC | 3 | $ 445,000 | $ 148,333 | $ 141,000 |
| Carson City, NV | 3 | $ 915,000 | $ 305,000 | $ 169,000 |
| Columbia, MO | 3 | $ 405,000 | $ 135,000 | $ 73,000 |
| Elizabethtown-Fort Knox, KY | 3 | $ 465,000 | $ 155,000 | $ 0 |
| Evansville, IN-KY | 3 | $ 375,000 | $ 125,000 | $ 0 |
| Fairbanks, AK | 3 | $ 1,335,000 | $ 445,000 | $ 49,000 |
| Harrisonburg, VA | 3 | $ 665,000 | $ 221,666 | $ 21,000 |
| Hot Springs, AR | 3 | $ 825,000 | $ 275,000 | $ 121,000 |
| Mansfield, OH | 3 | $ 665,000 | $ 221,666 | $ 120,000 |
| Michigan City-La Porte, IN | 3 | $ 725,000 | $ 241,666 | $ 71,000 |
| Missoula, MT | 3 | $ 1,905,000 | $ 635,000 | $ 269,000 |
| Peoria, IL | 3 | $ 575,000 | $ 191,666 | $ 47,000 |
| Sandusky, OH | 3 | $ 735,000 | $ 245,000 | $ 215,000 |
| Texarkana, TX-AR | 3 | $ 565,000 | $ 188,333 | $ 0 |
| Topeka, KS | 3 | $ 455,000 | $ 151,666 | $ 52,000 |
| Wausau, WI | 3 | $ 1,465,000 | $ 488,333 | $ 187,000 |
| Altoona, PA | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Bozeman, MT | 2 | $ 710,000 | $ 355,000 | $ 685,000 |
| Champaign-Urbana, IL | 2 | $ 350,000 | $ 175,000 | $ 50,000 |
| Elkhart-Goshen, IN | 2 | $ 580,000 | $ 290,000 | $ 105,000 |
| Florence, SC | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Fond Du Lac, WI | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Gettysburg, PA | 2 | $ 300,000 | $ 150,000 | $ 147,000 |
| Grants Pass, OR | 2 | $ 600,000 | $ 300,000 | $ 0 |
| Jackson, MI | 2 | $ 280,000 | $ 140,000 | $ 69,000 |
| Jacksonville, NC | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Janesville-Beloit, WI | 2 | $ 470,000 | $ 235,000 | $ 61,000 |
| Jefferson City, MO | 2 | $ 90,000 | $ 45,000 | $ 44,000 |
| Johnson City, TN | 2 | $ 580,000 | $ 290,000 | $ 283,000 |
| Kokomo, IN | 2 | $ 620,000 | $ 310,000 | $ 184,000 |
| Lawrence, KS | 2 | $ 440,000 | $ 220,000 | $ 993,000 |
| Lebanon, PA | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Manhattan, KS | 2 | $ 600,000 | $ 300,000 | $ 151,000 |
| Mankato-North Mankato, MN | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Niles-Benton Harbor, MI | 2 | $ 2,190,000 | $ 1,095,000 | $ 121,000 |
| Parkersburg-Vienna, WV | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Victoria, TX | 2 | $ 540,000 | $ 270,000 | $ 93,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Beckley, WV | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Bismarck, ND | 1 | $ 245,000 | $ 245,000 | $ 102,000 |
| Bloomington, IN | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Casper, WY | 1 | $ 185,000 | $ 185,000 | $ 695,000 |
| Cedar Rapids, IA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Chambersburg-Waynesboro, PA | 1 | $ 235,000 | $ 235,000 | $ 112,000 |
| Cheyenne, WY | 1 | $ 235,000 | $ 235,000 | $ 49,000 |
| Dothan, AL | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Eagle Pass, TX | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Gadsden, AL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Great Falls, MT | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Hattiesburg, MS | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Iowa City, IA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Jackson, TN | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Jonesboro, AR | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Minot, ND | 1 | $ 135,000 | $ 135,000 | $ 89,000 |
| Oshkosh-Neenah, WI | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Paducah, KY-IL | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Sheboygan, WI | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Sierra Vista-Douglas, AZ | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Springfield, IL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Staunton-Waynesboro, VA | 1 | $ 585,000 | $ 585,000 | $ 230,000 |
| Sumter, SC | 1 | $ 205,000 | $ 205,000 | $ 87,000 |
| Traverse City, MI | 1 | $ 535,000 | $ 535,000 | $ 147,000 |
Mortgage Loan Application Detail Totals for Ocmbc, Inc. in 2025
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 | 16,844 | $7,407,950,000 | $439,000 | $6,005,000 | $187,000 | $9,625,000 |
| Cash-out Refinancing | 9,414 | $3,473,750,000 | $368,000 | $6,905,000 | $167,000 | $8,888,000 |
| Refinancing | 4,171 | $2,058,645,000 | $493,000 | $6,755,000 | $184,000 | $9,625,000 |
| Not Applicable | 1 | $5,000 | $5,000 | $5,000 | $103,000 | $103,000 |
| Other Purpose | 1 | $295,000 | $295,000 | $295,000 | $186,000 | $186,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 10,130 | $4,179,940,000 | $412,000 | $6,905,000 | $166,000 | $9,246,000 |
| White | 9,555 | $4,210,465,000 | $440,000 | $6,695,000 | $205,000 | $8,888,000 |
| Not Provided | 5,311 | $2,433,525,000 | $458,000 | $6,755,000 | $173,000 | $6,304,000 |
| Black or African American | 3,429 | $1,189,625,000 | $346,000 | $3,005,000 | $154,000 | $9,625,000 |
| Asian | 1,836 | $860,100,000 | $468,000 | $3,005,000 | $200,000 | $6,234,000 |
| American Indian or Alaskan Native | 102 | $40,240,000 | $394,000 | $1,415,000 | $185,000 | $950,000 |
| Native Hawaiian or Other Pacific Islander | 56 | $25,180,000 | $449,000 | $1,525,000 | $234,000 | $4,031,000 |
| Not applicable | 4 | $770,000 | $192,000 | $265,000 | $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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 24,455 | $10,223,815,000 | $418,000 | $6,905,000 | $198,000 | $9,625,000 |
| FHA-insured (Federal Housing Administration) | 5,423 | $2,440,295,000 | $449,000 | $1,475,000 | $115,000 | $1,182,000 |
| VA-guaranteed (Veterans Administration) | 525 | $268,635,000 | $511,000 | $3,325,000 | $122,000 | $540,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $7,900,000 | $282,000 | $625,000 | $95,000 | $251,000 |
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 | 16,337 | $6,792,795,000 | $415,000 | $6,695,000 | $187,000 | $8,560,000 |
| Application Withdrawn By Applicant | 6,168 | $2,734,030,000 | $443,000 | $6,905,000 | $174,000 | $8,888,000 |
| Application Approved But Not Accepted | 4,251 | $1,825,045,000 | $429,000 | $3,505,000 | $165,000 | $9,246,000 |
| Application Denied By Financial Institution | 2,981 | $1,242,935,000 | $416,000 | $6,755,000 | $156,000 | $8,514,000 |
| Loan Purchased By The Institution | 692 | $345,270,000 | $498,000 | $3,705,000 | $277,000 | $9,625,000 |
| File Closed For Incompleteness | 2 | $570,000 | $285,000 | $365,000 | $317,000 | $556,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Not applicable | 27,450 | $11,697,710,000 | $426,000 | $6,905,000 | $183,000 | $9,625,000 |
| Credit Application Incomplete | 985 | $380,375,000 | $386,000 | $3,505,000 | $152,000 | $8,514,000 |
| Debt-To-Income Ratio | 503 | $215,455,000 | $428,000 | $2,625,000 | $111,000 | $1,845,000 |
| Collateral | 449 | $193,135,000 | $430,000 | $4,005,000 | $161,000 | $4,890,000 |
| Other | 406 | $181,510,000 | $447,000 | $6,755,000 | $217,000 | $5,652,000 |
| Credit History | 300 | $118,120,000 | $393,000 | $3,505,000 | $153,000 | $2,812,000 |
| Unverifiable Information | 185 | $85,975,000 | $464,000 | $4,005,000 | $178,000 | $5,280,000 |
| Employment History | 99 | $42,945,000 | $433,000 | $1,105,000 | $132,000 | $605,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 52 | $24,810,000 | $477,000 | $1,955,000 | $148,000 | $1,234,000 |
| Mortgage Insurance Denied | 2 | $610,000 | $305,000 | $315,000 | $85,000 | $94,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ocmbc, Inc.'s 2025 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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