Ocmbc, Inc. Mortgage Lending & HMDA Data, 2019

In 2019, Ocmbc, Inc. of Irvine, CA reported 5,149 mortgage applications totaling $2.1 billion, up 57% from 2018. The average application was for $410,105, and applicants reported an average income of $128,425. 67% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,068), Riverside-San Bernardino-Ontario, CA (1,031) and Chicago-Naperville, IL (399) (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 5,149
Total Mortgage Loan Application Amount $2,111,635,000
Average Mortgage Loan Application Amount $410,105
Highest Mortgage Loan Application Amount $8,925,000
Average Applicant Income $128,425
Highest Applicant Income $8,547,000

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Act (HMDA) records Ocmbc, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Metropolitan Area in 2019

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 1,068 $ 592,140,000 $ 554,438 $ 152,000
Riverside-San Bernardino-Ontario, CA 1,031 $ 343,395,000 $ 333,069 $ 90,000
Chicago-Naperville, IL 399 $ 86,865,000 $ 217,706 $ 78,000
Anaheim-Santa Ana-Irvine, CA 315 $ 223,555,000 $ 709,698 $ 254,000
San Diego-Carlsbad, CA 230 $ 113,570,000 $ 493,782 $ 155,000
Oakland-Hayward-Berkeley, CA 110 $ 63,100,000 $ 573,636 $ 142,000
Sacramento--Roseville--Arden-Arcade, CA 108 $ 37,680,000 $ 348,888 $ 90,000
Orlando-Kissimmee-Sanford, FL 83 $ 20,085,000 $ 241,987 $ 101,000
Houston-The Woodlands-Sugar Land, TX 77 $ 19,095,000 $ 247,987 $ 174,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 77 $ 25,945,000 $ 336,948 $ 93,025
Baltimore-Columbia-Towson, MD 71 $ 17,665,000 $ 248,802 $ 86,000
Cape Coral-Fort Myers, FL 64 $ 13,100,000 $ 204,687 $ 76,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 64 $ 25,830,000 $ 403,593 $ 165,000
Bakersfield, CA 62 $ 13,790,000 $ 222,419 $ 87,000
Phoenix-Mesa-Scottsdale, AZ 61 $ 19,945,000 $ 326,967 $ 175,000
Miami-Miami Beach-Kendall, FL 59 $ 25,365,000 $ 429,915 $ 159,000
Outside any metro area 59 $ 20,165,000 $ 341,779 $ 136,932
Salinas, CA 58 $ 29,060,000 $ 501,034 $ 114,000
Dallas-Plano-Irving, TX 54 $ 16,250,000 $ 300,925 $ 175,000
Las Vegas-Henderson-Paradise, NV 54 $ 22,920,000 $ 424,444 $ 234,000
Oxnard-Thousand Oaks-Ventura, CA 47 $ 32,025,000 $ 681,382 $ 194,000
Tampa-St. Petersburg-Clearwater, FL 47 $ 10,415,000 $ 221,595 $ 96,000
Atlanta-Sandy Springs-Roswell, GA 42 $ 11,260,000 $ 268,095 $ 97,000
Elgin, IL 42 $ 8,760,000 $ 208,571 $ 78,000
San Jose-Sunnyvale-Santa Clara, CA 41 $ 35,505,000 $ 865,975 $ 289,000
San Francisco-Redwood City-South San Francisco, CA 38 $ 40,070,000 $ 1,054,473 $ 220,000
Stockton-Lodi, CA 38 $ 12,400,000 $ 326,315 $ 87,000
Fresno, CA 31 $ 7,045,000 $ 227,258 $ 108,000
Lake County-Kenosha County, IL-WI 31 $ 5,775,000 $ 186,290 $ 91,000
West Palm Beach-Boca Raton-Delray Beach, FL 29 $ 8,975,000 $ 309,482 $ 98,000
Washington-Baltimore-Arlington, DC 28 $ 8,550,000 $ 305,357 $ 68,000
Palm Bay-Melbourne-Titusville, FL 26 $ 7,290,000 $ 280,384 $ 63,000
Lakeland-Winter Haven, FL 25 $ 5,035,000 $ 201,400 $ 59,000
Vallejo-Fairfield, CA 24 $ 10,110,000 $ 421,250 $ 115,000
Santa Maria-Santa Barbara, CA 22 $ 18,850,000 $ 856,818 $ 434,000
Santa Rosa, CA 21 $ 14,345,000 $ 683,095 $ 213,000
Minneapolis-St. Paul-Bloomington, MN-WI 20 $ 5,430,000 $ 271,500 $ 45,500
Deltona-Daytona Beach-Ormond Beach, FL 19 $ 3,165,000 $ 166,578 $ 47,000
Modesto, CA 19 $ 5,635,000 $ 296,578 $ 66,000
Indianapolis-Carmel-Anderson, IN 17 $ 2,625,000 $ 154,411 $ 51,000
Warren-Troy-Farmington Hills, MI 17 $ 3,765,000 $ 221,470 $ 87,000
Punta Gorda, FL 16 $ 2,890,000 $ 180,625 $ 76,000
Fort Worth-Arlington, TX 15 $ 3,325,000 $ 221,666 $ 198,000
Denver-Aurora-Lakewood, CO 13 $ 4,955,000 $ 381,153 $ 79,000
Salt Lake City, UT 13 $ 4,255,000 $ 327,307 $ 76,000
San Rafael, CA 13 $ 12,835,000 $ 987,307 $ 275,000
Brownsville-Harlingen, TX 12 $ 2,010,000 $ 167,500 $ 86,000
Portland-Vancouver-Hillsboro, OR-WA 11 $ 4,705,000 $ 427,727 $ 117,090
Detroit-Dearborn-Livonia, MI 10 $ 1,750,000 $ 175,000 $ 55,000
San Luis Obispo-Paso Robles-Arroyo Grande, CA 10 $ 6,320,000 $ 632,000 $ 73,000
Jacksonville, FL 9 $ 3,055,000 $ 339,444 $ 74,000
Seattle-Bellevue-Everett, WA 9 $ 3,315,000 $ 368,333 $ 51,000
Austin-Round Rock, TX 8 $ 1,950,000 $ 243,750 $ 95,000
New Orleans-Metairie, LA 8 $ 1,370,000 $ 171,250 $ 62,000
Ogden-Clearfield, UT 8 $ 1,490,000 $ 186,250 $ 50,000
Port St. Lucie, FL 8 $ 1,630,000 $ 203,750 $ 67,000
El Paso, TX 7 $ 1,045,000 $ 149,285 $ 62,000
Elizabethtown-Fort Knox, KY 7 $ 1,375,000 $ 196,428 $ 56,000
Merced, CA 7 $ 1,975,000 $ 282,142 $ 76,000
Naples-Immokalee-Marco Island, FL 7 $ 3,505,000 $ 500,714 $ 259,000
North Port-Sarasota-Bradenton, FL 7 $ 2,715,000 $ 387,857 $ 128,000
San Antonio-New Braunfels, TX 7 $ 1,465,000 $ 209,285 $ 103,000
Cambridge-Newton-Framingham, MA 6 $ 2,790,000 $ 465,000 $ 113,000
Eugene, OR 6 $ 1,620,000 $ 270,000 $ 59,000
Lake Havasu City-Kingman, AZ 6 $ 1,690,000 $ 281,666 $ 239,000
Ocala, FL 6 $ 900,000 $ 150,000 $ 44,000
Prescott Valley-Prescott, AZ 6 $ 1,620,000 $ 270,000 $ 228,000
Salisbury, MD-DE 6 $ 1,320,000 $ 220,000 $ 61,000
Santa Cruz-Watsonville, CA 6 $ 4,340,000 $ 723,333 $ 33,000
Madera, CA 5 $ 1,695,000 $ 339,000 $ 110,000
Visalia-Porterville, CA 5 $ 1,275,000 $ 255,000 $ 126,000
Yuba City, CA 5 $ 1,225,000 $ 245,000 $ 45,000
Baton Rouge, LA 4 $ 850,000 $ 212,500 $ 102,000
Camden, NJ 4 $ 900,000 $ 225,000 $ 168,000
Charlotte-Concord-Gastonia, NC-SC 4 $ 820,000 $ 205,000 $ 72,000
El Centro, CA 4 $ 800,000 $ 200,000 $ 50,000
Milwaukee-Waukesha-West Allis, WI 4 $ 1,180,000 $ 295,000 $ 138,000
Providence-Warwick, RI-MA 4 $ 710,000 $ 177,500 $ 66,000
Provo-Orem, UT 4 $ 900,000 $ 225,000 $ 42,000
Boston, MA 3 $ 1,035,000 $ 345,000 $ 134,000
Corpus Christi, TX 3 $ 375,000 $ 125,000 $ 16,000
Hanford-Corcoran, CA 3 $ 575,000 $ 191,666 $ 27,000
Las Cruces, NM 3 $ 515,000 $ 171,666 $ 64,000
Louisville/Jefferson County, KY-IN 3 $ 745,000 $ 248,333 $ 76,666
New York-Newark, NY 3 $ 1,515,000 $ 505,000 $ 190,000
Pensacola-Ferry Pass-Brent, FL 3 $ 555,000 $ 185,000 $ 56,000
Philadelphia, PA 3 $ 365,000 $ 121,666 $ 35,000
Redding, CA 3 $ 665,000 $ 221,666 $ 71,000
Reno, NV 3 $ 565,000 $ 188,333 $ 238,000
Richmond, VA 3 $ 775,000 $ 258,333 $ 60,000
Trenton, NJ 3 $ 435,000 $ 145,000 $ 56,000
Tucson, AZ 3 $ 455,000 $ 151,666 $ 16,000
Worcester, MA-CT 3 $ 575,000 $ 191,666 $ 62,000
Albuquerque, NM 2 $ 530,000 $ 265,000 $ 55,000
Barnstable Town, MA 2 $ 820,000 $ 410,000 $ 112,000
Bellingham, WA 2 $ 500,000 $ 250,000 $ 63,000
California-Lexington Park, MD 2 $ 530,000 $ 265,000 $ 70,000
Chico, CA 2 $ 390,000 $ 195,000 $ 77,000
Cincinnati, OH-KY-IN 2 $ 350,000 $ 175,000 $ 143,000
Colorado Springs, CO 2 $ 500,000 $ 250,000 $ 43,000
Gary, IN 2 $ 180,000 $ 90,000 $ 28,000
Medford, OR 2 $ 660,000 $ 330,000 $ 389,000
Monroe, LA 2 $ 700,000 $ 350,000 $ 155,000
Montgomery County-Bucks County-Chester County, PA 2 $ 880,000 $ 440,000 $ 357,000
Napa, CA 2 $ 800,000 $ 400,000 $ 136,000
New York-Jersey City-White Plains, NY-NJ 2 $ 730,000 $ 365,000 $ 308,000
Newark, NJ-PA 2 $ 620,000 $ 310,000 $ 109,000
Panama City, FL 2 $ 330,000 $ 165,000 $ 25,000
Raleigh, NC 2 $ 1,330,000 $ 665,000 $ 46,000
Rockford, IL 2 $ 400,000 $ 200,000 $ 54,000
Savannah, GA 2 $ 320,000 $ 160,000 $ 93,000
Sherman-Denison, TX 2 $ 210,000 $ 105,000 $ 37,000
Shreveport-Bossier City, LA 2 $ 370,000 $ 185,000 $ 139,000
Spokane-Spokane Valley, WA 2 $ 410,000 $ 205,000 $ 52,000
Tacoma-Lakewood, WA 2 $ 740,000 $ 370,000 $ 115,000
Albany, OR 1 $ 175,000 $ 175,000 $ 38,000
Beaumont-Port Arthur, TX 1 $ 155,000 $ 155,000 $ 73,000
Billings, MT 1 $ 275,000 $ 275,000 $ 162,000
Boulder, CO 1 $ 295,000 $ 295,000 $ 59,000
Chambersburg-Waynesboro, PA 1 $ 85,000 $ 85,000 $ 36,000
Columbia, SC 1 $ 165,000 $ 165,000 $ 50,000
Columbus, GA-AL 1 $ 155,000 $ 155,000 $ 55,000
Crestview-Fort Walton Beach-Destin, FL 1 $ 115,000 $ 115,000 $ 47,000
Duluth, MN-WI 1 $ 165,000 $ 165,000 $ 196,000
Flint, MI 1 $ 165,000 $ 165,000 $ 102,000
Fort Collins, CO 1 $ 435,000 $ 435,000 $ 95,000
Fort Wayne, IN 1 $ 125,000 $ 125,000 $ 70,000
Gainesville, FL 1 $ 185,000 $ 185,000 $ 87,000
Gainesville, GA 1 $ 365,000 $ 365,000 $ 69,000
Grants Pass, OR 1 $ 305,000 $ 305,000 $ 77,000
Greeley, CO 1 $ 175,000 $ 175,000 $ 35,000
Greensboro-High Point, NC 1 $ 165,000 $ 165,000 $ 39,000
Greenville-Anderson-Mauldin, SC 1 $ 185,000 $ 185,000 $ 80,000
Hagerstown-Martinsburg, MD-WV 1 $ 165,000 $ 165,000 $ 41,000
Jacksonville, NC 1 $ 175,000 $ 175,000 $ 76,000
Kankakee, IL 1 $ 165,000 $ 165,000 $ 99,000
Longview, WA 1 $ 225,000 $ 225,000 $ 77,000
Midland, MI 1 $ 115,000 $ 115,000 $ 59,000
Monroe, MI 1 $ 125,000 $ 125,000 $ 48,000
Muskegon, MI 1 $ 85,000 $ 85,000 $ 32,000
Olympia-Tumwater, WA 1 $ 465,000 $ 465,000 $ 0
Pittsburgh, PA 1 $ 105,000 $ 105,000 $ 47,000
Rochester, MN 1 $ 245,000 $ 245,000 $ 43,000
Saginaw, MI 1 $ 145,000 $ 145,000 $ 82,000
Salem, OR 1 $ 715,000 $ 715,000 $ 70,000
Sebring, FL 1 $ 135,000 $ 135,000 $ 78,000
South Bend-Mishawaka, IN-MI 1 $ 255,000 $ 255,000 $ 82,000
Springfield, MA 1 $ 135,000 $ 135,000 $ 44,000
Tallahassee, FL 1 $ 105,000 $ 105,000 $ 56,000
The Villages, FL 1 $ 135,000 $ 135,000 $ 0
Virginia Beach-Norfolk-Newport News, VA-NC 1 $ 105,000 $ 105,000 $ 0
Wenatchee, WA 1 $ 235,000 $ 235,000 $ 77,000

Mortgage Loan Application Detail Totals for Ocmbc, Inc. in 2019

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 2,586 $938,030,000 $362,000 $3,415,000 $126,000 $6,074,000
Cash-out Refinancing 1,568 $736,750,000 $469,000 $6,005,000 $148,000 $8,547,000
Refinancing 993 $436,355,000 $439,000 $8,925,000 $104,000 $2,425,000
Other Purpose 1 $345,000 $345,000 $345,000 $0 $0
Home Improvement 1 $155,000 $155,000 $155,000 $92,000 $92,000
Not Applicable 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 2,101 $699,025,000 $332,000 $5,405,000 $93,000 $2,924,000
White 1,503 $707,645,000 $470,000 $5,005,000 $161,000 $3,914,000
Not Provided 629 $351,845,000 $559,000 $6,005,000 $168,000 $6,396,000
Black or African American 583 $172,825,000 $296,000 $1,505,000 $100,000 $1,611,000
Asian 301 $163,185,000 $542,000 $8,925,000 $192,000 $8,547,000
American Indian or Alaskan Native 21 $10,035,000 $477,000 $1,395,000 $260,000 $1,800,000
Native Hawaiian or Other Pacific Islander 11 $7,075,000 $643,000 $3,255,000 $78,000 $142,000
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
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 3,138 $1,504,960,000 $479,000 $8,925,000 $165,000 $8,547,000
FHA-insured (Federal Housing Administration) 1,729 $508,765,000 $294,000 $945,000 $72,000 $384,000
VA-guaranteed (Veterans Administration) 264 $94,320,000 $357,000 $905,000 $73,000 $280,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 18 $3,590,000 $199,000 $315,000 $56,000 $93,000

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 3,465 $1,290,585,000 $372,000 $3,005,000 $115,000 $3,914,000
Application Approved But Not Accepted 834 $384,850,000 $461,000 $8,925,000 $158,000 $6,074,000
Application Denied By Financial Institution 685 $365,155,000 $533,000 $6,005,000 $161,000 $8,547,000
File Closed For Incompleteness 163 $70,135,000 $430,000 $2,045,000 $143,000 $2,924,000
Preapproval Approved but not Accepted 1 $255,000 $255,000 $255,000 $56,000 $56,000
Application Withdrawn By Applicant 1 $655,000 $655,000 $655,000 $0 $0
Loan Purchased By The Institution 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 4,464 $1,746,480,000 $391,000 $8,925,000 $124,000 $6,074,000
Debt-To-Income Ratio 204 $96,520,000 $473,000 $2,745,000 $107,000 $1,200,000
Credit History 122 $67,270,000 $551,000 $5,405,000 $165,000 $6,396,000
Collateral 97 $59,665,000 $615,000 $3,665,000 $195,000 $2,104,000
Other 93 $54,855,000 $589,000 $6,005,000 $229,000 $8,547,000
Unverifiable Information 75 $46,485,000 $619,000 $5,005,000 $190,000 $2,685,000
Credit Application Incomplete 54 $22,980,000 $425,000 $1,605,000 $143,000 $939,000
Employment History 20 $8,610,000 $430,000 $1,105,000 $197,000 $747,000
Insufficient Cash (Downpayment, Closing Cost) 20 $8,770,000 $438,000 $1,105,000 $118,000 $425,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Ocmbc, Inc.'s 2019 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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