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Act (HMDA) records Ocmbc, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 317 | $ 88,219,000 | $ 278,293 | $ 72,000 |
| Riverside-San Bernardino-Ontario, CA | 216 | $ 55,625,000 | $ 257,523 | $ 82,000 |
| Anaheim-Santa Ana-Irvine, CA | 94 | $ 46,364,000 | $ 493,234 | $ 172,000 |
| Atlanta-Sandy Springs-Roswell, GA | 46 | $ 7,655,000 | $ 166,413 | $ 54,000 |
| San Diego-Carlsbad, CA | 39 | $ 19,721,000 | $ 505,666 | $ 242,000 |
| Las Vegas-Henderson-Paradise, NV | 21 | $ 5,070,000 | $ 241,428 | $ 106,000 |
| Chicago-Naperville-Arlington Heights, IL | 17 | $ 3,779,000 | $ 222,294 | $ 97,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 13 | $ 3,846,000 | $ 295,846 | $ 114,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 12 | $ 4,226,000 | $ 352,166 | $ 75,000 |
| Oakland-Hayward-Berkeley, CA | 9 | $ 3,672,000 | $ 408,000 | $ 113,000 |
| Houston-The Woodlands-Sugar Land, TX | 8 | $ 1,508,000 | $ 188,500 | $ 59,000 |
| Orlando-Kissimmee-Sanford, FL | 8 | $ 1,507,000 | $ 188,375 | $ 56,000 |
| Colorado Springs, CO | 7 | $ 1,625,000 | $ 232,142 | $ 32,000 |
| Denver-Aurora-Lakewood, CO | 7 | $ 1,835,000 | $ 262,142 | $ 120,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 911,000 | $ 130,142 | $ 40,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 1,890,000 | $ 270,000 | $ 76,000 |
| Silver Spring-Frederick-Rockville, MD | 7 | $ 2,504,000 | $ 357,714 | $ 88,000 |
| Augusta-Richmond County, GA-SC | 6 | $ 656,000 | $ 109,333 | $ 51,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 966,000 | $ 161,000 | $ 46,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 823,000 | $ 137,166 | $ 59,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 1,452,000 | $ 242,000 | $ 52,000 |
| Dallas-Plano-Irving, TX | 5 | $ 1,154,000 | $ 230,800 | $ 64,000 |
| Salinas, CA | 5 | $ 2,791,000 | $ 558,200 | $ 101,000 |
| Tucson, AZ | 5 | $ 938,000 | $ 187,600 | $ 81,000 |
| Bakersfield, CA | 4 | $ 747,000 | $ 186,750 | $ 59,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 913,000 | $ 228,250 | $ 96,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 656,000 | $ 164,000 | $ 50,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 619,000 | $ 154,750 | $ 38,000 |
| Modesto, CA | 4 | $ 855,000 | $ 213,750 | $ 58,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 1,697,000 | $ 424,250 | $ 77,000 |
| Shreveport-Bossier City, LA | 4 | $ 508,000 | $ 127,000 | $ 62,000 |
| Tulsa, OK | 4 | $ 635,000 | $ 158,750 | $ 51,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 1,027,000 | $ 256,750 | $ 117,000 |
| Baton Rouge, LA | 3 | $ 409,000 | $ 136,333 | $ 56,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 368,000 | $ 122,666 | $ 44,000 |
| Houma-Thibodaux, LA | 3 | $ 550,000 | $ 183,333 | $ 75,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 597,000 | $ 199,000 | $ 28,000 |
| Jacksonville, FL | 3 | $ 418,000 | $ 139,333 | $ 58,000 |
| New Orleans-Metairie, LA | 3 | $ 389,000 | $ 129,666 | $ 10,000 |
| Sierra Vista-Douglas, AZ | 3 | $ 489,000 | $ 163,000 | $ 26,000 |
| Stockton-Lodi, CA | 3 | $ 898,000 | $ 299,333 | $ 46,000 |
| Boston, MA | 2 | $ 873,000 | $ 436,500 | $ 240,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 464,000 | $ 232,000 | $ 43,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 214,000 | $ 107,000 | $ 182,000 |
| Fort Worth-Arlington, TX | 2 | $ 223,000 | $ 111,500 | $ 40,000 |
| Gary, IN | 2 | $ 393,000 | $ 196,500 | $ 68,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 256,000 | $ 128,000 | $ 66,000 |
| Kennewick-Richland, WA | 2 | $ 278,000 | $ 139,000 | $ 47,000 |
| Merced, CA | 2 | $ 250,000 | $ 125,000 | $ 72,000 |
| Oklahoma City, OK | 2 | $ 365,000 | $ 182,500 | $ 113,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 215,000 | $ 107,500 | $ 42,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 338,000 | $ 169,000 | $ 48,000 |
| Providence-Warwick, RI-MA | 2 | $ 452,000 | $ 226,000 | $ 81,000 |
| Salt Lake City, UT | 2 | $ 544,000 | $ 272,000 | $ 59,000 |
| Spokane-Spokane Valley, WA | 2 | $ 313,000 | $ 156,500 | $ 25,000 |
| Springfield, MA | 2 | $ 298,000 | $ 149,000 | $ 49,000 |
| Terre Haute, IN | 2 | $ 276,000 | $ 138,000 | $ 34,000 |
| Victoria, TX | 2 | $ 304,000 | $ 152,000 | $ 109,000 |
| Visalia-Porterville, CA | 2 | $ 349,000 | $ 174,500 | $ 37,000 |
| Abilene, TX | 1 | $ 131,000 | $ 131,000 | $ 49,000 |
| Albany, GA | 1 | $ 149,000 | $ 149,000 | $ 69,000 |
| Albuquerque, NM | 1 | $ 224,000 | $ 224,000 | $ 114,000 |
| Austin-Round Rock, TX | 1 | $ 293,000 | $ 293,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 330,000 | $ 330,000 | $ 265,000 |
| Bellingham, WA | 1 | $ 196,000 | $ 196,000 | $ 66,000 |
| Bend-Redmond, OR | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Carson City, NV | 1 | $ 195,000 | $ 195,000 | $ 57,000 |
| Chattanooga, TN-GA | 1 | $ 76,000 | $ 76,000 | $ 38,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 151,000 | $ 151,000 | $ 69,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 121,000 | $ 121,000 | $ 30,000 |
| El Centro, CA | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Fresno, CA | 1 | $ 168,000 | $ 168,000 | $ 152,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 134,000 | $ 134,000 | $ 215,000 |
| Greeley, CO | 1 | $ 137,000 | $ 137,000 | $ 46,000 |
| Hanford-Corcoran, CA | 1 | $ 112,000 | $ 112,000 | $ 66,000 |
| Kankakee, IL | 1 | $ 172,000 | $ 172,000 | $ 87,000 |
| Lafayette-West Lafayette, IN | 1 | $ 174,000 | $ 174,000 | $ 20,000 |
| Lakeland-Winter Haven, FL | 1 | $ 276,000 | $ 276,000 | $ 65,000 |
| Las Cruces, NM | 1 | $ 118,000 | $ 118,000 | $ 42,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 98,000 | $ 98,000 | $ 32,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 224,000 | $ 224,000 | $ 1,424,000 |
| Odessa, TX | 1 | $ 203,000 | $ 203,000 | $ 87,000 |
| Ogden-Clearfield, UT | 1 | $ 161,000 | $ 161,000 | $ 48,000 |
| Panama City, FL | 1 | $ 80,000 | $ 80,000 | $ 47,000 |
| Prescott, AZ | 1 | $ 71,000 | $ 71,000 | $ 48,000 |
| Provo-Orem, UT | 1 | $ 157,000 | $ 157,000 | $ 82,000 |
| Punta Gorda, FL | 1 | $ 187,000 | $ 187,000 | $ 79,000 |
| Redding, CA | 1 | $ 163,000 | $ 163,000 | $ 34,000 |
| Reno, NV | 1 | $ 1,435,000 | $ 1,435,000 | $ 1,088,000 |
| Rochester, MN | 1 | $ 232,000 | $ 232,000 | $ 77,000 |
| San Antonio-New Braunfels, TX | 1 | $ 114,000 | $ 114,000 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 536,000 | $ 536,000 | $ 121,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 571,000 | $ 571,000 | $ 110,000 |
| Savannah, GA | 1 | $ 69,000 | $ 69,000 | $ 22,000 |
| Sebastian-Vero Beach, FL | 1 | $ 201,000 | $ 201,000 | $ 50,000 |
| Sherman-Denison, TX | 1 | $ 151,000 | $ 151,000 | $ 0 |
| St. Cloud, MN | 1 | $ 135,000 | $ 135,000 | $ 31,000 |
| Tallahassee, FL | 1 | $ 123,000 | $ 123,000 | $ 38,000 |
| Valdosta, GA | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 341,000 | $ 341,000 | $ 95,000 |
| Waco, TX | 1 | $ 143,000 | $ 143,000 | $ 48,000 |
| Warner Robins, GA | 1 | $ 159,000 | $ 159,000 | $ 61,000 |
| Worcester, MA-CT | 1 | $ 211,000 | $ 211,000 | $ 81,000 |
| Yuma, AZ | 1 | $ 170,000 | $ 170,000 | $ 48,000 |
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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