Ocmbc, Inc. Mortgage Lending & HMDA Data, 2020
In 2020, Ocmbc, Inc. of Irvine, CA reported 11,428 mortgage applications totaling $4.2 billion, up 122% from 2019. The average application was for $365,098, and applicants reported an average income of $119,408. 60% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (2,326), Riverside-San Bernardino-Ontario, CA (1,878) and Chicago-Naperville, IL (723) (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 | 11,428 |
| Total Mortgage Loan Application Amount | $4,172,340,000 |
| Average Mortgage Loan Application Amount | $365,098 |
| Highest Mortgage Loan Application Amount | $15,005,000 |
| Average Applicant Income | $119,408 |
| Highest Applicant Income | $8,571,000 |
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Act (HMDA) records Ocmbc, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,326 | $ 1,113,190,000 | $ 478,585 | $ 150,000 |
| Riverside-San Bernardino-Ontario, CA | 1,878 | $ 611,900,000 | $ 325,825 | $ 106,000 |
| Chicago-Naperville, IL | 723 | $ 162,615,000 | $ 224,917 | $ 75,000 |
| San Diego-Carlsbad, CA | 621 | $ 282,085,000 | $ 454,243 | $ 144,000 |
| Anaheim-Santa Ana-Irvine, CA | 620 | $ 354,010,000 | $ 570,983 | $ 183,000 |
| Phoenix-Mesa-Scottsdale, AZ | 247 | $ 67,105,000 | $ 271,680 | $ 112,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 243 | $ 78,745,000 | $ 324,053 | $ 115,000 |
| Oakland-Hayward-Berkeley, CA | 202 | $ 99,270,000 | $ 491,435 | $ 153,000 |
| Outside any metro area | 197 | $ 57,135,000 | $ 290,025 | $ 126,005 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 166 | $ 53,030,000 | $ 319,457 | $ 111,000 |
| Orlando-Kissimmee-Sanford, FL | 164 | $ 37,560,000 | $ 229,024 | $ 68,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 158 | $ 55,620,000 | $ 352,025 | $ 94,670 |
| Oxnard-Thousand Oaks-Ventura, CA | 155 | $ 79,075,000 | $ 510,161 | $ 177,000 |
| Providence-Warwick, RI-MA | 142 | $ 39,580,000 | $ 278,732 | $ 85,323 |
| Cape Coral-Fort Myers, FL | 129 | $ 28,435,000 | $ 220,426 | $ 71,000 |
| Miami-Miami Beach-Kendall, FL | 126 | $ 44,380,000 | $ 352,222 | $ 96,000 |
| Newark, NJ-PA | 123 | $ 39,305,000 | $ 319,552 | $ 97,000 |
| Fresno, CA | 108 | $ 28,680,000 | $ 265,555 | $ 122,000 |
| Baltimore-Columbia-Towson, MD | 106 | $ 28,780,000 | $ 271,509 | $ 90,000 |
| Houston-The Woodlands-Sugar Land, TX | 102 | $ 25,450,000 | $ 249,509 | $ 92,000 |
| Boston, MA | 101 | $ 34,955,000 | $ 346,089 | $ 115,000 |
| Las Vegas-Henderson-Paradise, NV | 96 | $ 26,770,000 | $ 278,854 | $ 113,000 |
| Worcester, MA-CT | 89 | $ 24,715,000 | $ 277,696 | $ 84,786 |
| Tampa-St. Petersburg-Clearwater, FL | 88 | $ 20,460,000 | $ 232,500 | $ 95,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 82 | $ 46,460,000 | $ 566,585 | $ 207,000 |
| Stockton-Lodi, CA | 82 | $ 26,850,000 | $ 327,439 | $ 95,000 |
| Elgin, IL | 81 | $ 15,745,000 | $ 194,382 | $ 67,000 |
| Salinas, CA | 81 | $ 32,305,000 | $ 398,827 | $ 133,000 |
| Bakersfield, CA | 80 | $ 20,270,000 | $ 253,375 | $ 83,000 |
| New York-Jersey City-White Plains, NY-NJ | 79 | $ 29,515,000 | $ 373,607 | $ 94,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 77 | $ 23,515,000 | $ 305,389 | $ 100,000 |
| Cambridge-Newton-Framingham, MA | 70 | $ 26,180,000 | $ 374,000 | $ 104,000 |
| Denver-Aurora-Lakewood, CO | 70 | $ 24,180,000 | $ 345,428 | $ 102,000 |
| New York-Newark, NY | 65 | $ 20,195,000 | $ 310,692 | $ 115,000 |
| San Francisco-Redwood City-South San Francisco, CA | 59 | $ 42,095,000 | $ 713,474 | $ 302,000 |
| Dallas-Plano-Irving, TX | 50 | $ 13,710,000 | $ 274,200 | $ 134,000 |
| Lake County-Kenosha County, IL-WI | 50 | $ 9,640,000 | $ 192,800 | $ 73,000 |
| Atlanta-Sandy Springs-Roswell, GA | 47 | $ 13,895,000 | $ 295,638 | $ 99,000 |
| Modesto, CA | 47 | $ 12,195,000 | $ 259,468 | $ 71,000 |
| Palm Bay-Melbourne-Titusville, FL | 42 | $ 8,250,000 | $ 196,428 | $ 70,000 |
| Salt Lake City, UT | 42 | $ 15,500,000 | $ 369,047 | $ 96,000 |
| Washington-Baltimore-Arlington, DC | 42 | $ 14,050,000 | $ 334,523 | $ 84,000 |
| Trenton, NJ | 41 | $ 9,175,000 | $ 223,780 | $ 71,000 |
| Vallejo-Fairfield, CA | 39 | $ 15,565,000 | $ 399,102 | $ 140,000 |
| Camden, NJ | 37 | $ 9,645,000 | $ 260,675 | $ 87,000 |
| North Port-Sarasota-Bradenton, FL | 37 | $ 12,025,000 | $ 325,000 | $ 106,000 |
| Punta Gorda, FL | 36 | $ 7,610,000 | $ 211,388 | $ 63,000 |
| Santa Rosa, CA | 33 | $ 14,875,000 | $ 450,757 | $ 139,000 |
| Port St. Lucie, FL | 31 | $ 7,145,000 | $ 230,483 | $ 75,000 |
| Indianapolis-Carmel-Anderson, IN | 30 | $ 5,580,000 | $ 186,000 | $ 73,000 |
| Warren-Troy-Farmington Hills, MI | 30 | $ 6,870,000 | $ 229,000 | $ 116,000 |
| Springfield, MA | 29 | $ 6,555,000 | $ 226,034 | $ 69,000 |
| Lakeland-Winter Haven, FL | 28 | $ 5,660,000 | $ 202,142 | $ 73,000 |
| Madera, CA | 28 | $ 7,300,000 | $ 260,714 | $ 83,000 |
| Naples-Immokalee-Marco Island, FL | 28 | $ 9,180,000 | $ 327,857 | $ 83,000 |
| Jacksonville, FL | 27 | $ 7,205,000 | $ 266,851 | $ 61,000 |
| Charlotte-Concord-Gastonia, NC-SC | 26 | $ 5,810,000 | $ 223,461 | $ 80,769 |
| El Paso, TX | 25 | $ 4,615,000 | $ 184,600 | $ 83,000 |
| Visalia-Porterville, CA | 25 | $ 6,185,000 | $ 247,400 | $ 86,000 |
| Greenville-Anderson-Mauldin, SC | 24 | $ 4,390,000 | $ 182,916 | $ 57,000 |
| Barnstable Town, MA | 23 | $ 7,185,000 | $ 312,391 | $ 112,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 23 | $ 8,335,000 | $ 362,391 | $ 114,000 |
| San Rafael, CA | 22 | $ 12,670,000 | $ 575,909 | $ 254,000 |
| Santa Maria-Santa Barbara, CA | 22 | $ 8,820,000 | $ 400,909 | $ 154,000 |
| Fort Worth-Arlington, TX | 19 | $ 4,495,000 | $ 236,578 | $ 51,000 |
| Seattle-Bellevue-Everett, WA | 19 | $ 7,995,000 | $ 420,789 | $ 171,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 18 | $ 3,320,000 | $ 184,444 | $ 56,000 |
| El Centro, CA | 18 | $ 3,510,000 | $ 195,000 | $ 80,000 |
| Lake Havasu City-Kingman, AZ | 18 | $ 4,750,000 | $ 263,888 | $ 202,000 |
| Colorado Springs, CO | 17 | $ 5,775,000 | $ 339,705 | $ 51,000 |
| Merced, CA | 16 | $ 4,370,000 | $ 273,125 | $ 94,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 16 | $ 4,430,000 | $ 276,875 | $ 102,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 16 | $ 6,960,000 | $ 435,000 | $ 150,875 |
| Boulder, CO | 14 | $ 5,110,000 | $ 365,000 | $ 191,000 |
| Detroit-Dearborn-Livonia, MI | 14 | $ 2,740,000 | $ 195,714 | $ 67,000 |
| Fort Collins, CO | 14 | $ 5,050,000 | $ 360,714 | $ 99,000 |
| Montgomery County-Bucks County-Chester County, PA | 14 | $ 3,550,000 | $ 253,571 | $ 75,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 14 | $ 7,160,000 | $ 511,428 | $ 215,000 |
| Shreveport-Bossier City, LA | 14 | $ 2,860,000 | $ 204,285 | $ 69,000 |
| Ocala, FL | 13 | $ 1,965,000 | $ 151,153 | $ 45,000 |
| Ogden-Clearfield, UT | 13 | $ 3,775,000 | $ 290,384 | $ 79,000 |
| Rochester, MN | 13 | $ 3,255,000 | $ 250,384 | $ 88,000 |
| Baton Rouge, LA | 12 | $ 2,500,000 | $ 208,333 | $ 59,000 |
| San Antonio-New Braunfels, TX | 12 | $ 4,850,000 | $ 404,166 | $ 93,000 |
| Hartford-West Hartford-East Hartford, CT | 11 | $ 2,495,000 | $ 226,818 | $ 125,000 |
| Knoxville, TN | 11 | $ 2,005,000 | $ 182,272 | $ 57,000 |
| Salisbury, MD-DE | 11 | $ 2,125,000 | $ 193,181 | $ 51,545 |
| Tacoma-Lakewood, WA | 11 | $ 4,365,000 | $ 396,818 | $ 94,000 |
| Austin-Round Rock, TX | 10 | $ 2,970,000 | $ 297,000 | $ 80,000 |
| Charleston-North Charleston, SC | 10 | $ 2,320,000 | $ 232,000 | $ 77,000 |
| Portland-South Portland, ME | 10 | $ 2,150,000 | $ 215,000 | $ 75,000 |
| Provo-Orem, UT | 10 | $ 3,290,000 | $ 329,000 | $ 111,000 |
| Santa Cruz-Watsonville, CA | 10 | $ 4,230,000 | $ 423,000 | $ 104,000 |
| Wilmington, DE-MD-NJ | 10 | $ 2,430,000 | $ 243,000 | $ 251,400 |
| Philadelphia, PA | 9 | $ 2,765,000 | $ 307,222 | $ 125,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 8 | $ 1,960,000 | $ 245,000 | $ 59,500 |
| Brownsville-Harlingen, TX | 8 | $ 1,400,000 | $ 175,000 | $ 88,000 |
| Greeley, CO | 8 | $ 3,970,000 | $ 496,250 | $ 125,000 |
| Chico, CA | 7 | $ 1,935,000 | $ 276,428 | $ 181,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,475,000 | $ 210,714 | $ 36,000 |
| Prescott Valley-Prescott, AZ | 7 | $ 1,715,000 | $ 245,000 | $ 150,000 |
| Tucson, AZ | 7 | $ 1,445,000 | $ 206,428 | $ 45,000 |
| New Haven-Milford, CT | 6 | $ 1,720,000 | $ 286,666 | $ 101,000 |
| New Orleans-Metairie, LA | 6 | $ 1,300,000 | $ 216,666 | $ 78,000 |
| Panama City, FL | 6 | $ 1,280,000 | $ 213,333 | $ 66,000 |
| Wenatchee, WA | 6 | $ 1,740,000 | $ 290,000 | $ 89,000 |
| Yuba City, CA | 6 | $ 1,620,000 | $ 270,000 | $ 94,000 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 2,025,000 | $ 405,000 | $ 108,000 |
| Homosassa Springs, FL | 5 | $ 1,025,000 | $ 205,000 | $ 84,000 |
| Napa, CA | 5 | $ 3,275,000 | $ 655,000 | $ 42,000 |
| Norwich-New London, CT | 5 | $ 1,165,000 | $ 233,000 | $ 67,000 |
| Olympia-Tumwater, WA | 5 | $ 1,265,000 | $ 253,000 | $ 60,000 |
| Rockford, IL | 5 | $ 955,000 | $ 191,000 | $ 56,000 |
| St. Louis, MO-IL | 5 | $ 1,135,000 | $ 227,000 | $ 72,000 |
| Albuquerque, NM | 4 | $ 930,000 | $ 232,500 | $ 77,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 570,000 | $ 142,500 | $ 29,000 |
| Bend-Redmond, OR | 4 | $ 1,090,000 | $ 272,500 | $ 40,000 |
| Columbus, OH | 4 | $ 860,000 | $ 215,000 | $ 96,000 |
| Lancaster, PA | 4 | $ 800,000 | $ 200,000 | $ 56,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 740,000 | $ 185,000 | $ 110,000 |
| Richmond, VA | 4 | $ 990,000 | $ 247,500 | $ 39,000 |
| Santa Fe, NM | 4 | $ 1,530,000 | $ 382,500 | $ 119,000 |
| Savannah, GA | 4 | $ 880,000 | $ 220,000 | $ 61,000 |
| California-Lexington Park, MD | 3 | $ 575,000 | $ 191,666 | $ 72,000 |
| Cincinnati, OH-KY-IN | 3 | $ 675,000 | $ 225,000 | $ 101,000 |
| Grand Junction, CO | 3 | $ 845,000 | $ 281,666 | $ 64,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 1,025,000 | $ 341,666 | $ 77,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 905,000 | $ 301,666 | $ 80,000 |
| Medford, OR | 3 | $ 1,105,000 | $ 368,333 | $ 53,000 |
| Pittsburgh, PA | 3 | $ 505,000 | $ 168,333 | $ 74,000 |
| Reno, NV | 3 | $ 1,495,000 | $ 498,333 | $ 339,000 |
| Spartanburg, SC | 3 | $ 425,000 | $ 141,666 | $ 49,000 |
| Spokane-Spokane Valley, WA | 3 | $ 965,000 | $ 321,666 | $ 35,000 |
| Tallahassee, FL | 3 | $ 685,000 | $ 228,333 | $ 57,000 |
| York-Hanover, PA | 3 | $ 525,000 | $ 175,000 | $ 74,000 |
| Amarillo, TX | 2 | $ 610,000 | $ 305,000 | $ 156,000 |
| Beaumont-Port Arthur, TX | 2 | $ 310,000 | $ 155,000 | $ 128,000 |
| Billings, MT | 2 | $ 410,000 | $ 205,000 | $ 65,000 |
| Bremerton-Silverdale, WA | 2 | $ 790,000 | $ 395,000 | $ 59,000 |
| Cleveland-Elyria, OH | 2 | $ 420,000 | $ 210,000 | $ 78,000 |
| Corvallis, OR | 2 | $ 880,000 | $ 440,000 | $ 152,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 540,000 | $ 270,000 | $ 31,000 |
| Eugene, OR | 2 | $ 690,000 | $ 345,000 | $ 0 |
| Flint, MI | 2 | $ 290,000 | $ 145,000 | $ 70,000 |
| Gainesville, FL | 2 | $ 410,000 | $ 205,000 | $ 50,000 |
| Gary, IN | 2 | $ 400,000 | $ 200,000 | $ 45,000 |
| Hammond, LA | 2 | $ 460,000 | $ 230,000 | $ 90,000 |
| Hanford-Corcoran, CA | 2 | $ 570,000 | $ 285,000 | $ 65,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 1,430,000 | $ 715,000 | $ 406,000 |
| Kennewick-Richland, WA | 2 | $ 480,000 | $ 240,000 | $ 122,000 |
| Laredo, TX | 2 | $ 310,000 | $ 155,000 | $ 84,000 |
| Las Cruces, NM | 2 | $ 230,000 | $ 115,000 | $ 47,000 |
| Longview, TX | 2 | $ 310,000 | $ 155,000 | $ 57,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 510,000 | $ 255,000 | $ 129,000 |
| Memphis, TN-MS-AR | 2 | $ 440,000 | $ 220,000 | $ 71,000 |
| Midland, TX | 2 | $ 740,000 | $ 370,000 | $ 121,000 |
| Monroe, LA | 2 | $ 300,000 | $ 150,000 | $ 55,000 |
| Ocean City, NJ | 2 | $ 410,000 | $ 205,000 | $ 90,000 |
| Odessa, TX | 2 | $ 390,000 | $ 195,000 | $ 72,000 |
| Raleigh, NC | 2 | $ 700,000 | $ 350,000 | $ 140,000 |
| Saginaw, MI | 2 | $ 450,000 | $ 225,000 | $ 50,000 |
| St. George, UT | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 510,000 | $ 255,000 | $ 49,000 |
| Yakima, WA | 2 | $ 470,000 | $ 235,000 | $ 16,000 |
| Yuma, AZ | 2 | $ 550,000 | $ 275,000 | $ 330,000 |
| Albany, OR | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 185,000 | $ 185,000 | $ 134,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 155,000 | $ 155,000 | $ 128,000 |
| Brunswick, GA | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Carbondale-Marion, IL | 1 | $ 85,000 | $ 85,000 | $ 67,000 |
| Champaign-Urbana, IL | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Charlottesville, VA | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Columbia, SC | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Columbus, GA-AL | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Dover, DE | 1 | $ 295,000 | $ 295,000 | $ 166,000 |
| Duluth, MN-WI | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Elizabethtown-Fort Knox, KY | 1 | $ 235,000 | $ 235,000 | $ 57,000 |
| Fargo, ND-MN | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Fayetteville, NC | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Flagstaff, AZ | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Goldsboro, NC | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Grants Pass, OR | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 465,000 | $ 465,000 | $ 100,000 |
| Harrisonburg, VA | 1 | $ 205,000 | $ 205,000 | $ 86,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 235,000 | $ 235,000 | $ 78,000 |
| Hinesville, GA | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Jackson, MI | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Lafayette, LA | 1 | $ 165,000 | $ 165,000 | $ 43,000 |
| Lewiston, ID-WA | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Lexington-Fayette, KY | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 195,000 | $ 195,000 | $ 39,000 |
| Muskegon, MI | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 265,000 | $ 265,000 | $ 72,000 |
| Pueblo, CO | 1 | $ 195,000 | $ 195,000 | $ 37,000 |
| Redding, CA | 1 | $ 235,000 | $ 235,000 | $ 34,000 |
| Rocky Mount, NC | 1 | $ 215,000 | $ 215,000 | $ 44,000 |
| Rome, GA | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Salem, OR | 1 | $ 295,000 | $ 295,000 | $ 98,000 |
| Sebastian-Vero Beach, FL | 1 | $ 205,000 | $ 205,000 | $ 58,000 |
| Sebring, FL | 1 | $ 155,000 | $ 155,000 | $ 26,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 415,000 | $ 415,000 | $ 96,000 |
| The Villages, FL | 1 | $ 125,000 | $ 125,000 | $ 25,000 |
| Vineland-Bridgeton, NJ | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Warner Robins, GA | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Winchester, VA-WV | 1 | $ 205,000 | $ 205,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Ocmbc, Inc. in 2020
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 | 4,484 | $1,523,100,000 | $339,000 | $2,765,000 | $109,000 | $6,900,000 |
| Refinancing | 3,924 | $1,502,980,000 | $383,000 | $15,005,000 | $127,000 | $4,277,000 |
| Cash-out Refinancing | 3,020 | $1,146,260,000 | $379,000 | $3,005,000 | $125,000 | $8,571,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 4,413 | $1,456,245,000 | $329,000 | $3,555,000 | $95,000 | $6,900,000 |
| White | 3,596 | $1,404,310,000 | $390,000 | $15,005,000 | $144,000 | $8,571,000 |
| Not Provided | 1,472 | $633,930,000 | $430,000 | $2,995,000 | $144,000 | $2,510,000 |
| Black or African American | 1,208 | $364,740,000 | $301,000 | $2,105,000 | $88,000 | $3,132,000 |
| Asian | 667 | $287,335,000 | $430,000 | $2,455,000 | $157,000 | $1,419,000 |
| Native Hawaiian or Other Pacific Islander | 36 | $11,650,000 | $323,000 | $625,000 | $86,000 | $310,000 |
| American Indian or Alaskan Native | 24 | $7,720,000 | $321,000 | $675,000 | $138,000 | $627,000 |
| Not applicable | 2 | $1,030,000 | $515,000 | $525,000 | $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) | 7,389 | $2,914,175,000 | $394,000 | $15,005,000 | $146,000 | $8,571,000 |
| FHA-insured (Federal Housing Administration) | 3,380 | $1,021,470,000 | $302,000 | $915,000 | $75,000 | $6,900,000 |
| VA-guaranteed (Veterans Administration) | 593 | $221,415,000 | $373,000 | $1,955,000 | $58,000 | $442,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 66 | $15,280,000 | $231,000 | $465,000 | $65,000 | $169,000 |
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 | 6,835 | $2,379,415,000 | $348,000 | $3,555,000 | $115,000 | $2,849,000 |
| Application Denied By Financial Institution | 2,903 | $1,161,385,000 | $400,000 | $15,005,000 | $136,000 | $8,571,000 |
| Application Approved But Not Accepted | 836 | $333,980,000 | $399,000 | $3,705,000 | $127,000 | $4,012,000 |
| File Closed For Incompleteness | 439 | $165,625,000 | $377,000 | $2,995,000 | $106,000 | $1,541,000 |
| Application Withdrawn By Applicant | 415 | $131,935,000 | $317,000 | $1,335,000 | $86,000 | $891,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 8,525 | $3,010,955,000 | $353,000 | $3,705,000 | $114,000 | $4,012,000 |
| Credit Application Incomplete | 1,526 | $569,380,000 | $373,000 | $2,955,000 | $135,000 | $8,571,000 |
| Other | 504 | $243,690,000 | $483,000 | $2,995,000 | $189,000 | $2,596,000 |
| Debt-To-Income Ratio | 379 | $157,235,000 | $414,000 | $15,005,000 | $95,000 | $4,277,000 |
| Credit History | 173 | $65,105,000 | $376,000 | $3,005,000 | $107,000 | $1,062,000 |
| Collateral | 122 | $51,260,000 | $420,000 | $2,985,000 | $139,000 | $1,105,000 |
| Unverifiable Information | 108 | $40,240,000 | $372,000 | $2,005,000 | $111,000 | $804,000 |
| Employment History | 55 | $20,455,000 | $371,000 | $1,435,000 | $134,000 | $654,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 36 | $14,020,000 | $389,000 | $905,000 | $127,000 | $361,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ocmbc, Inc.'s 2020 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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