Ocmbc, Inc. Mortgage Lending & HMDA Data, 2009
In 2009, Ocmbc, Inc. of Irvine, CA reported 559 mortgage applications totaling $135.1 million, up 16% from 2008. The average application was for $241,765, and applicants reported an average income of $82,395. 56% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (135), Los Angeles-Long Beach-Glendale, CA (95) and Santa Ana-Anaheim-Irvine, CA (59) (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 | 559 |
| Total Mortgage Loan Application Amount | $135,147,000 |
| Average Mortgage Loan Application Amount | $241,765 |
| Highest Mortgage Loan Application Amount | $1,156,000 |
| Average Applicant Income | $82,395 |
| Highest Applicant Income | $2,094,000 |
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Act (HMDA) records Ocmbc, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 135 | $ 27,754,000 | $ 205,585 | $ 65,000 |
| Los Angeles-Long Beach-Glendale, CA | 95 | $ 26,650,000 | $ 280,526 | $ 123,000 |
| Santa Ana-Anaheim-Irvine, CA | 59 | $ 18,289,000 | $ 309,983 | $ 84,000 |
| Fresno, CA | 34 | $ 8,694,000 | $ 255,705 | $ 75,000 |
| San Diego-Carlsbad-San Marcos, CA | 12 | $ 3,696,000 | $ 308,000 | $ 104,000 |
| Bakersfield, CA | 11 | $ 1,697,000 | $ 154,272 | $ 48,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 10 | $ 2,206,000 | $ 220,600 | $ 79,000 |
| Atlanta-Sandy Springs-Marietta, GA | 9 | $ 2,119,000 | $ 235,444 | $ 76,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 1,254,000 | $ 179,142 | $ 69,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 1,250,000 | $ 178,571 | $ 50,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 2,111,000 | $ 301,571 | $ 78,857 |
| Baltimore-Towson, MD | 6 | $ 1,444,000 | $ 240,666 | $ 41,000 |
| Chicago-Naperville-Joliet, IL | 6 | $ 1,787,000 | $ 297,833 | $ 77,000 |
| Visalia-Porterville, CA | 6 | $ 1,048,000 | $ 174,666 | $ 79,000 |
| Oakland-Fremont-Hayward, CA | 5 | $ 1,102,000 | $ 220,400 | $ 82,000 |
| Bethesda-Frederick-Rockville, MD | 4 | $ 1,048,000 | $ 262,000 | $ 56,000 |
| Dallas-Plano-Irving, TX | 4 | $ 680,000 | $ 170,000 | $ 80,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,057,000 | $ 264,250 | $ 212,000 |
| Modesto, CA | 4 | $ 989,000 | $ 247,250 | $ 66,000 |
| San Antonio, TX | 4 | $ 530,000 | $ 132,500 | $ 44,000 |
| Houston-Sugar Land-Baytown, TX | 3 | $ 546,000 | $ 182,000 | $ 82,000 |
| Indianapolis-Carmel, IN | 3 | $ 389,000 | $ 129,666 | $ 65,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 514,000 | $ 171,333 | $ 73,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 1,762,000 | $ 587,333 | $ 239,333 |
| Orlando-Kissimmee, FL | 3 | $ 436,000 | $ 145,333 | $ 63,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,029,000 | $ 343,000 | $ 98,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 1,008,000 | $ 336,000 | $ 117,000 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 517,000 | $ 172,333 | $ 47,000 |
| Salem, OR | 3 | $ 500,000 | $ 166,666 | $ 52,000 |
| Salt Lake City, UT | 3 | $ 793,000 | $ 264,333 | $ 109,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,441,000 | $ 480,333 | $ 120,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 1,044,000 | $ 348,000 | $ 85,000 |
| Stockton, CA | 3 | $ 450,000 | $ 150,000 | $ 44,000 |
| Boston-Quincy, MA | 2 | $ 636,000 | $ 318,000 | $ 84,000 |
| Buffalo-Niagara Falls, NY | 2 | $ 328,000 | $ 164,000 | $ 89,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 184,000 | $ 92,000 | $ 18,000 |
| El Paso, TX | 2 | $ 289,000 | $ 144,500 | $ 105,000 |
| Gary, IN | 2 | $ 184,000 | $ 92,000 | $ 4,000 |
| Honolulu, HI | 2 | $ 781,000 | $ 390,500 | $ 75,000 |
| Jacksonville, FL | 2 | $ 648,000 | $ 324,000 | $ 101,000 |
| Kansas City, MO-KS | 2 | $ 194,000 | $ 97,000 | $ 20,000 |
| Las Vegas-Paradise, NV | 2 | $ 272,000 | $ 136,000 | $ 157,000 |
| Medford, OR | 2 | $ 497,000 | $ 248,500 | $ 56,000 |
| Olympia, WA | 2 | $ 472,000 | $ 236,000 | $ 0 |
| Salinas, CA | 2 | $ 435,000 | $ 217,500 | $ 73,000 |
| Tacoma, WA | 2 | $ 505,000 | $ 252,500 | $ 30,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 246,000 | $ 123,000 | $ 125,000 |
| Vallejo-Fairfield, CA | 2 | $ 503,000 | $ 251,500 | $ 52,000 |
| Albuquerque, NM | 1 | $ 212,000 | $ 212,000 | $ 44,000 |
| Austin-Round Rock, TX | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Bellingham, WA | 1 | $ 362,000 | $ 362,000 | $ 127,000 |
| Bend, OR | 1 | $ 272,000 | $ 272,000 | $ 56,000 |
| Corvallis, OR | 1 | $ 171,000 | $ 171,000 | $ 52,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 183,000 | $ 183,000 | $ 66,000 |
| Duluth, MN-WI | 1 | $ 207,000 | $ 207,000 | $ 45,000 |
| Eugene-Springfield, OR | 1 | $ 147,000 | $ 147,000 | $ 29,000 |
| Fort Smith, AR-OK | 1 | $ 226,000 | $ 226,000 | $ 53,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 298,000 | $ 298,000 | $ 81,000 |
| Gulfport-Biloxi, MS | 1 | $ 93,000 | $ 93,000 | $ 75,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 110,000 | $ 110,000 | $ 40,000 |
| Macon, GA | 1 | $ 70,000 | $ 70,000 | $ 50,000 |
| Madera-Chowchilla, CA | 1 | $ 271,000 | $ 271,000 | $ 52,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 175,000 | $ 175,000 | $ 81,000 |
| Memphis, TN-MS-AR | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Merced, CA | 1 | $ 62,000 | $ 62,000 | $ 120,000 |
| Naples-Marco Island, FL | 1 | $ 156,000 | $ 156,000 | $ 96,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 130,000 | $ 130,000 | $ 36,000 |
| Ogden-Clearfield, UT | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Peabody, MA | 1 | $ 348,000 | $ 348,000 | $ 91,000 |
| Peoria, IL | 1 | $ 275,000 | $ 275,000 | $ 69,000 |
| Port St. Lucie, FL | 1 | $ 400,000 | $ 400,000 | $ 75,000 |
| Prescott, AZ | 1 | $ 144,000 | $ 144,000 | $ 343,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 142,000 | $ 142,000 | $ 96,000 |
| Pueblo, CO | 1 | $ 140,000 | $ 140,000 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 165,000 | $ 165,000 | $ 81,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 112,000 | $ 112,000 | $ 126,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 1,156,000 | $ 1,156,000 | $ 254,000 |
| Spokane, WA | 1 | $ 161,000 | $ 161,000 | $ 53,000 |
| Springfield, MA | 1 | $ 344,000 | $ 344,000 | $ 103,000 |
| Sumter, SC | 1 | $ 90,000 | $ 90,000 | $ 86,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 196,000 | $ 196,000 | $ 58,000 |
| Wilmington, DE-MD-NJ | 1 | $ 176,000 | $ 176,000 | $ 50,000 |
| Yuma, AZ | 1 | $ 100,000 | $ 100,000 | $ 156,000 |
Mortgage Loan Application Detail Totals for Ocmbc, Inc. in 2009
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 | 333 | $77,712,000 | $233,000 | $1,156,000 | $93,000 | $2,094,000 |
| Refinancing | 220 | $55,945,000 | $254,000 | $720,000 | $66,000 | $271,000 |
| Home Improvement | 6 | $1,490,000 | $248,000 | $656,000 | $95,000 | $199,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 184 | $44,374,000 | $241,000 | $1,156,000 | $76,000 | $466,000 |
| Hispanic | 156 | $33,948,000 | $217,000 | $501,000 | $63,000 | $198,000 |
| White | 120 | $31,001,000 | $258,000 | $910,000 | $121,000 | $2,094,000 |
| Asian | 47 | $13,687,000 | $291,000 | $530,000 | $88,000 | $202,000 |
| Black or African American | 44 | $10,843,000 | $246,000 | $514,000 | $76,000 | $209,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,175,000 | $167,000 | $298,000 | $48,000 | $88,000 |
| American Indian or Alaskan Native | 1 | $119,000 | $119,000 | $119,000 | $33,000 | $33,000 |
| 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) | 362 | $83,814,000 | $231,000 | $673,000 | $65,000 | $345,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 191 | $49,511,000 | $259,000 | $1,156,000 | $116,000 | $2,094,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,822,000 | $303,000 | $460,000 | $66,000 | $185,000 |
| 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 | 313 | $69,330,000 | $221,000 | $910,000 | $67,000 | $343,000 |
| Application Denied By Financial Institution | 91 | $22,871,000 | $251,000 | $624,000 | $76,000 | $271,000 |
| Application Approved But Not Accepted | 89 | $26,048,000 | $292,000 | $1,156,000 | $146,000 | $2,094,000 |
| Application Withdrawn By Applicant | 45 | $11,749,000 | $261,000 | $685,000 | $85,000 | $278,000 |
| File Closed For Incompleteness | 21 | $5,149,000 | $245,000 | $653,000 | $80,000 | $197,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 7 | $1,808,000 | $258,000 | $417,000 | $115,000 | $218,000 |
| Debt-To-Income Ratio | 4 | $1,129,000 | $282,000 | $510,000 | $52,000 | $84,000 |
| Credit History | 3 | $497,000 | $165,000 | $168,000 | $49,000 | $62,000 |
| Other | 2 | $582,000 | $291,000 | $318,000 | $93,000 | $98,000 |
| Unverifiable Information | 1 | $242,000 | $242,000 | $242,000 | $58,000 | $58,000 |
| Employment History | 1 | $193,000 | $193,000 | $193,000 | $58,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ocmbc, Inc.'s 2009 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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