Ocmbc, Inc. Mortgage Lending & HMDA Data, 2021
In 2021, Ocmbc, Inc. of Irvine, CA reported 14,461 mortgage applications totaling $6.0 billion, up 27% from 2020. The average application was for $412,744, and applicants reported an average income of $138,649. 69% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (3,879), Riverside-San Bernardino-Ontario, CA (1,991) and San Diego-Carlsbad, CA (796) (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 | 14,461 |
| Total Mortgage Loan Application Amount | $5,968,705,000 |
| Average Mortgage Loan Application Amount | $412,744 |
| Highest Mortgage Loan Application Amount | $84,005,000 |
| Average Applicant Income | $138,649 |
| Highest Applicant Income | $5,136,000 |
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Act (HMDA) records Ocmbc, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,879 | $ 1,984,715,000 | $ 511,656 | $ 144,000 |
| Riverside-San Bernardino-Ontario, CA | 1,991 | $ 730,395,000 | $ 366,848 | $ 111,000 |
| San Diego-Carlsbad, CA | 796 | $ 400,860,000 | $ 503,592 | $ 196,000 |
| Anaheim-Santa Ana-Irvine, CA | 762 | $ 413,220,000 | $ 542,283 | $ 193,000 |
| Chicago-Naperville, IL | 610 | $ 148,290,000 | $ 243,098 | $ 84,000 |
| Oakland-Hayward-Berkeley, CA | 348 | $ 174,310,000 | $ 500,890 | $ 200,000 |
| Phoenix-Mesa-Scottsdale, AZ | 336 | $ 112,190,000 | $ 333,898 | $ 134,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 302 | $ 112,450,000 | $ 372,350 | $ 128,728 |
| Outside any metro area | 245 | $ 80,935,000 | $ 330,346 | $ 150,370 |
| Oxnard-Thousand Oaks-Ventura, CA | 231 | $ 117,465,000 | $ 508,506 | $ 143,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 220 | $ 77,360,000 | $ 351,636 | $ 147,000 |
| Baltimore-Columbia-Towson, MD | 211 | $ 59,105,000 | $ 280,118 | $ 99,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 205 | $ 120,925,000 | $ 589,878 | $ 217,000 |
| Bakersfield, CA | 203 | $ 55,095,000 | $ 271,403 | $ 88,000 |
| Atlanta-Sandy Springs-Roswell, GA | 159 | $ 55,545,000 | $ 349,339 | $ 128,000 |
| Providence-Warwick, RI-MA | 142 | $ 44,230,000 | $ 311,478 | $ 91,788 |
| Newark, NJ-PA | 138 | $ 49,120,000 | $ 355,942 | $ 132,652 |
| Boston, MA | 136 | $ 56,490,000 | $ 415,367 | $ 167,000 |
| Las Vegas-Henderson-Paradise, NV | 133 | $ 41,755,000 | $ 313,947 | $ 131,000 |
| Houston-The Woodlands-Sugar Land, TX | 131 | $ 31,435,000 | $ 239,961 | $ 119,000 |
| Cape Coral-Fort Myers, FL | 127 | $ 29,685,000 | $ 233,740 | $ 80,000 |
| San Francisco-Redwood City-South San Francisco, CA | 112 | $ 65,870,000 | $ 588,125 | $ 225,000 |
| Worcester, MA-CT | 111 | $ 33,435,000 | $ 301,216 | $ 87,702 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 110 | $ 39,380,000 | $ 358,000 | $ 151,000 |
| Orlando-Kissimmee-Sanford, FL | 105 | $ 26,685,000 | $ 254,142 | $ 93,000 |
| Tampa-St. Petersburg-Clearwater, FL | 104 | $ 29,300,000 | $ 281,730 | $ 120,000 |
| New York-Jersey City-White Plains, NY-NJ | 97 | $ 41,475,000 | $ 427,577 | $ 150,000 |
| Stockton-Lodi, CA | 97 | $ 33,475,000 | $ 345,103 | $ 113,000 |
| Miami-Miami Beach-Kendall, FL | 86 | $ 38,530,000 | $ 448,023 | $ 240,000 |
| New York-Newark, NY | 83 | $ 29,195,000 | $ 351,746 | $ 147,000 |
| Cambridge-Newton-Framingham, MA | 82 | $ 30,230,000 | $ 368,658 | $ 112,000 |
| Denver-Aurora-Lakewood, CO | 78 | $ 27,750,000 | $ 355,769 | $ 118,000 |
| Washington-Baltimore-Arlington, DC | 75 | $ 28,615,000 | $ 381,533 | $ 163,000 |
| Salt Lake City, UT | 68 | $ 22,900,000 | $ 336,764 | $ 99,000 |
| Santa Rosa, CA | 60 | $ 27,620,000 | $ 460,333 | $ 159,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 60 | $ 23,780,000 | $ 396,333 | $ 281,000 |
| Elgin, IL | 57 | $ 12,475,000 | $ 218,859 | $ 80,000 |
| Fresno, CA | 56 | $ 16,100,000 | $ 287,500 | $ 115,000 |
| Modesto, CA | 53 | $ 16,835,000 | $ 317,641 | $ 98,000 |
| Baton Rouge, LA | 51 | $ 10,315,000 | $ 202,254 | $ 68,000 |
| Dallas-Plano-Irving, TX | 51 | $ 20,045,000 | $ 393,039 | $ 195,000 |
| San Rafael, CA | 47 | $ 30,035,000 | $ 639,042 | $ 211,000 |
| Vallejo-Fairfield, CA | 46 | $ 19,150,000 | $ 416,304 | $ 147,000 |
| Lake County-Kenosha County, IL-WI | 38 | $ 8,970,000 | $ 236,052 | $ 103,000 |
| Camden, NJ | 35 | $ 9,065,000 | $ 259,000 | $ 88,000 |
| Salinas, CA | 32 | $ 15,690,000 | $ 490,312 | $ 139,000 |
| Santa Maria-Santa Barbara, CA | 32 | $ 14,610,000 | $ 456,562 | $ 128,000 |
| Indianapolis-Carmel-Anderson, IN | 31 | $ 7,085,000 | $ 228,548 | $ 85,000 |
| Jacksonville, FL | 31 | $ 9,385,000 | $ 302,741 | $ 113,000 |
| Palm Bay-Melbourne-Titusville, FL | 30 | $ 8,190,000 | $ 273,000 | $ 69,000 |
| Port St. Lucie, FL | 29 | $ 6,765,000 | $ 233,275 | $ 83,000 |
| Barnstable Town, MA | 28 | $ 8,870,000 | $ 316,785 | $ 89,000 |
| Lakeland-Winter Haven, FL | 28 | $ 7,590,000 | $ 271,071 | $ 93,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 27 | $ 5,745,000 | $ 212,777 | $ 85,000 |
| Boulder, CO | 26 | $ 9,250,000 | $ 355,769 | $ 141,000 |
| Naples-Immokalee-Marco Island, FL | 26 | $ 9,240,000 | $ 355,384 | $ 196,000 |
| Trenton, NJ | 26 | $ 6,010,000 | $ 231,153 | $ 71,000 |
| Visalia-Porterville, CA | 26 | $ 6,470,000 | $ 248,846 | $ 100,000 |
| Pittsburgh, PA | 25 | $ 5,705,000 | $ 228,200 | $ 157,000 |
| Punta Gorda, FL | 23 | $ 5,085,000 | $ 221,086 | $ 93,000 |
| Montgomery County-Bucks County-Chester County, PA | 22 | $ 7,010,000 | $ 318,636 | $ 151,000 |
| North Port-Sarasota-Bradenton, FL | 21 | $ 7,875,000 | $ 375,000 | $ 104,000 |
| Merced, CA | 20 | $ 6,000,000 | $ 300,000 | $ 82,000 |
| Ogden-Clearfield, UT | 20 | $ 4,450,000 | $ 222,500 | $ 87,000 |
| Tucson, AZ | 20 | $ 5,980,000 | $ 299,000 | $ 108,000 |
| Manchester-Nashua, NH | 19 | $ 6,265,000 | $ 329,736 | $ 119,000 |
| Ocala, FL | 19 | $ 4,205,000 | $ 221,315 | $ 70,000 |
| Rockingham County-Strafford County, NH | 19 | $ 6,055,000 | $ 318,684 | $ 99,000 |
| Santa Cruz-Watsonville, CA | 19 | $ 10,285,000 | $ 541,315 | $ 210,000 |
| Seattle-Bellevue-Everett, WA | 19 | $ 9,345,000 | $ 491,842 | $ 154,000 |
| El Centro, CA | 18 | $ 4,910,000 | $ 272,777 | $ 133,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 18 | $ 6,760,000 | $ 375,555 | $ 123,000 |
| Greeley, CO | 17 | $ 5,225,000 | $ 307,352 | $ 77,000 |
| Philadelphia, PA | 17 | $ 4,215,000 | $ 247,941 | $ 93,000 |
| Portland-South Portland, ME | 17 | $ 4,365,000 | $ 256,764 | $ 105,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 17 | $ 7,515,000 | $ 442,058 | $ 147,176 |
| Norwich-New London, CT | 16 | $ 3,440,000 | $ 215,000 | $ 89,000 |
| Hartford-West Hartford-East Hartford, CT | 15 | $ 3,445,000 | $ 229,666 | $ 77,000 |
| Springfield, MA | 15 | $ 3,985,000 | $ 265,666 | $ 77,000 |
| San Antonio-New Braunfels, TX | 13 | $ 3,895,000 | $ 299,615 | $ 123,000 |
| Charlotte-Concord-Gastonia, NC-SC | 12 | $ 8,450,000 | $ 704,166 | $ 245,333 |
| Cincinnati, OH-KY-IN | 12 | $ 2,420,000 | $ 201,666 | $ 62,000 |
| Lake Havasu City-Kingman, AZ | 12 | $ 3,960,000 | $ 330,000 | $ 127,000 |
| Albany, OR | 11 | $ 2,025,000 | $ 184,090 | $ 60,000 |
| Bridgeport-Stamford-Norwalk, CT | 11 | $ 6,145,000 | $ 558,636 | $ 93,000 |
| Fort Collins, CO | 11 | $ 3,045,000 | $ 276,818 | $ 119,000 |
| Fort Worth-Arlington, TX | 11 | $ 2,955,000 | $ 268,636 | $ 102,000 |
| Madera, CA | 11 | $ 3,065,000 | $ 278,636 | $ 106,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 11 | $ 3,375,000 | $ 306,818 | $ 92,000 |
| Redding, CA | 11 | $ 4,135,000 | $ 375,909 | $ 159,000 |
| Salisbury, MD-DE | 11 | $ 2,925,000 | $ 265,909 | $ 571,909 |
| Bangor, ME | 10 | $ 1,710,000 | $ 171,000 | $ 418,000 |
| Detroit-Dearborn-Livonia, MI | 10 | $ 3,110,000 | $ 311,000 | $ 99,000 |
| Napa, CA | 9 | $ 5,375,000 | $ 597,222 | $ 190,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 9 | $ 4,755,000 | $ 528,333 | $ 125,000 |
| Panama City, FL | 9 | $ 2,745,000 | $ 305,000 | $ 88,000 |
| Richmond, VA | 9 | $ 2,715,000 | $ 301,666 | $ 114,000 |
| Sebastian-Vero Beach, FL | 9 | $ 1,725,000 | $ 191,666 | $ 54,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 9 | $ 2,795,000 | $ 310,555 | $ 119,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 8 | $ 2,380,000 | $ 297,500 | $ 152,500 |
| Chico, CA | 8 | $ 2,230,000 | $ 278,750 | $ 125,000 |
| Colorado Springs, CO | 8 | $ 3,370,000 | $ 421,250 | $ 122,000 |
| New Orleans-Metairie, LA | 8 | $ 1,890,000 | $ 236,250 | $ 99,000 |
| Provo-Orem, UT | 8 | $ 2,160,000 | $ 270,000 | $ 74,000 |
| Charleston-North Charleston, SC | 7 | $ 1,475,000 | $ 210,714 | $ 119,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 1,805,000 | $ 257,857 | $ 77,000 |
| Greenville-Anderson-Mauldin, SC | 7 | $ 2,035,000 | $ 290,714 | $ 65,000 |
| Urban Honolulu, HI | 7 | $ 4,435,000 | $ 633,571 | $ 101,000 |
| Warner Robins, GA | 7 | $ 1,895,000 | $ 270,714 | $ 77,000 |
| Yuba City, CA | 7 | $ 1,975,000 | $ 282,142 | $ 72,000 |
| Flagstaff, AZ | 6 | $ 1,750,000 | $ 291,666 | $ 98,000 |
| Hagerstown-Martinsburg, MD-WV | 6 | $ 1,820,000 | $ 303,333 | $ 117,000 |
| Kahului-Wailuku-Lahaina, HI | 6 | $ 8,850,000 | $ 1,475,000 | $ 283,000 |
| Lancaster, PA | 6 | $ 1,090,000 | $ 181,666 | $ 106,000 |
| Prescott Valley-Prescott, AZ | 6 | $ 1,550,000 | $ 258,333 | $ 153,000 |
| Rockford, IL | 6 | $ 1,460,000 | $ 243,333 | $ 73,000 |
| Shreveport-Bossier City, LA | 6 | $ 1,030,000 | $ 171,666 | $ 82,000 |
| Tacoma-Lakewood, WA | 6 | $ 1,830,000 | $ 305,000 | $ 113,000 |
| York-Hanover, PA | 6 | $ 1,650,000 | $ 275,000 | $ 96,000 |
| Albuquerque, NM | 5 | $ 915,000 | $ 183,000 | $ 35,000 |
| Austin-Round Rock, TX | 5 | $ 3,485,000 | $ 697,000 | $ 762,000 |
| Bremerton-Silverdale, WA | 5 | $ 1,695,000 | $ 339,000 | $ 112,000 |
| Gary, IN | 5 | $ 1,165,000 | $ 233,000 | $ 82,000 |
| Hammond, LA | 5 | $ 855,000 | $ 171,000 | $ 51,000 |
| Hanford-Corcoran, CA | 5 | $ 1,185,000 | $ 237,000 | $ 94,000 |
| Macon-Bibb County, GA | 5 | $ 1,155,000 | $ 231,000 | $ 60,000 |
| McAllen-Edinburg-Mission, TX | 5 | $ 755,000 | $ 151,000 | $ 79,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 5 | $ 1,575,000 | $ 315,000 | $ 89,400 |
| Reno, NV | 5 | $ 1,725,000 | $ 345,000 | $ 63,000 |
| Rochester, MN | 5 | $ 1,195,000 | $ 239,000 | $ 92,000 |
| Salem, OR | 5 | $ 1,405,000 | $ 281,000 | $ 96,000 |
| Savannah, GA | 5 | $ 865,000 | $ 173,000 | $ 73,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 1,175,000 | $ 235,000 | $ 108,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 860,000 | $ 215,000 | $ 116,000 |
| Brownsville-Harlingen, TX | 4 | $ 780,000 | $ 195,000 | $ 126,000 |
| El Paso, TX | 4 | $ 1,530,000 | $ 382,500 | $ 126,000 |
| Fayetteville, NC | 4 | $ 980,000 | $ 245,000 | $ 120,000 |
| Grand Junction, CO | 4 | $ 1,350,000 | $ 337,500 | $ 93,000 |
| Harrisburg-Carlisle, PA | 4 | $ 1,070,000 | $ 267,500 | $ 96,000 |
| Kankakee, IL | 4 | $ 1,160,000 | $ 290,000 | $ 115,000 |
| Killeen-Temple, TX | 4 | $ 650,000 | $ 162,500 | $ 93,000 |
| Las Cruces, NM | 4 | $ 800,000 | $ 200,000 | $ 53,000 |
| New Haven-Milford, CT | 4 | $ 1,100,000 | $ 275,000 | $ 83,000 |
| Oklahoma City, OK | 4 | $ 840,000 | $ 210,000 | $ 81,000 |
| Olympia-Tumwater, WA | 4 | $ 1,120,000 | $ 280,000 | $ 133,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 990,000 | $ 247,500 | $ 55,000 |
| The Villages, FL | 4 | $ 600,000 | $ 150,000 | $ 93,000 |
| Wilmington, DE-MD-NJ | 4 | $ 870,000 | $ 217,500 | $ 327,000 |
| California-Lexington Park, MD | 3 | $ 545,000 | $ 181,666 | $ 133,000 |
| Cleveland-Elyria, OH | 3 | $ 585,000 | $ 195,000 | $ 83,000 |
| Columbus, OH | 3 | $ 875,000 | $ 291,666 | $ 102,000 |
| Dover, DE | 3 | $ 945,000 | $ 315,000 | $ 94,000 |
| Eugene, OR | 3 | $ 795,000 | $ 265,000 | $ 79,000 |
| Farmington, NM | 3 | $ 525,000 | $ 175,000 | $ 108,000 |
| Gainesville, FL | 3 | $ 435,000 | $ 145,000 | $ 34,000 |
| Greensboro-High Point, NC | 3 | $ 195,000 | $ 65,000 | $ 37,000 |
| Kennewick-Richland, WA | 3 | $ 855,000 | $ 285,000 | $ 71,000 |
| Knoxville, TN | 3 | $ 535,000 | $ 178,333 | $ 57,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 765,000 | $ 255,000 | $ 170,000 |
| Monroe, LA | 3 | $ 745,000 | $ 248,333 | $ 128,000 |
| Reading, PA | 3 | $ 765,000 | $ 255,000 | $ 84,000 |
| Santa Fe, NM | 3 | $ 705,000 | $ 235,000 | $ 0 |
| Spokane-Spokane Valley, WA | 3 | $ 945,000 | $ 315,000 | $ 832,000 |
| Winchester, VA-WV | 3 | $ 655,000 | $ 218,333 | $ 65,000 |
| Athens-Clarke County, GA | 2 | $ 320,000 | $ 160,000 | $ 70,000 |
| Beaumont-Port Arthur, TX | 2 | $ 450,000 | $ 225,000 | $ 64,000 |
| Billings, MT | 2 | $ 460,000 | $ 230,000 | $ 50,000 |
| Boise City, ID | 2 | $ 890,000 | $ 445,000 | $ 97,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 450,000 | $ 225,000 | $ 77,000 |
| Corpus Christi, TX | 2 | $ 500,000 | $ 250,000 | $ 194,000 |
| Kansas City, MO-KS | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Lafayette, LA | 2 | $ 360,000 | $ 180,000 | $ 36,000 |
| Lewiston-Auburn, ME | 2 | $ 570,000 | $ 285,000 | $ 114,000 |
| Medford, OR | 2 | $ 550,000 | $ 275,000 | $ 101,000 |
| Memphis, TN-MS-AR | 2 | $ 1,000,000 | $ 500,000 | $ 275,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 380,000 | $ 190,000 | $ 65,000 |
| Spartanburg, SC | 2 | $ 200,000 | $ 100,000 | $ 56,000 |
| St. George, UT | 2 | $ 950,000 | $ 475,000 | $ 236,000 |
| Tyler, TX | 2 | $ 1,040,000 | $ 520,000 | $ 425,000 |
| Wenatchee, WA | 2 | $ 1,310,000 | $ 655,000 | $ 53,000 |
| Winston-Salem, NC | 2 | $ 330,000 | $ 165,000 | $ 248,000 |
| Akron, OH | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Albany, GA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Amarillo, TX | 1 | $ 295,000 | $ 295,000 | $ 318,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Battle Creek, MI | 1 | $ 245,000 | $ 245,000 | $ 129,000 |
| Bend-Redmond, OR | 1 | $ 525,000 | $ 525,000 | $ 83,000 |
| Bowling Green, KY | 1 | $ 225,000 | $ 225,000 | $ 61,000 |
| Carson City, NV | 1 | $ 455,000 | $ 455,000 | $ 76,000 |
| Champaign-Urbana, IL | 1 | $ 255,000 | $ 255,000 | $ 135,000 |
| Charlottesville, VA | 1 | $ 315,000 | $ 315,000 | $ 48,000 |
| Chattanooga, TN-GA | 1 | $ 185,000 | $ 185,000 | $ 49,000 |
| Coeur D'Alene, ID | 1 | $ 1,505,000 | $ 1,505,000 | $ 628,000 |
| Columbia, SC | 1 | $ 345,000 | $ 345,000 | $ 231,000 |
| Columbus, GA-AL | 1 | $ 145,000 | $ 145,000 | $ 37,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Decatur, IL | 1 | $ 695,000 | $ 695,000 | $ 200,000 |
| Eau Claire, WI | 1 | $ 315,000 | $ 315,000 | $ 131,000 |
| Flint, MI | 1 | $ 155,000 | $ 155,000 | $ 35,000 |
| Florence, SC | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Gainesville, GA | 1 | $ 205,000 | $ 205,000 | $ 56,000 |
| Grants Pass, OR | 1 | $ 315,000 | $ 315,000 | $ 52,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Homosassa Springs, FL | 1 | $ 175,000 | $ 175,000 | $ 29,000 |
| Jackson, TN | 1 | $ 205,000 | $ 205,000 | $ 24,000 |
| Jacksonville, NC | 1 | $ 145,000 | $ 145,000 | $ 34,000 |
| Kalamazoo-Portage, MI | 1 | $ 175,000 | $ 175,000 | $ 36,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Longview, TX | 1 | $ 215,000 | $ 215,000 | $ 91,000 |
| Lubbock, TX | 1 | $ 195,000 | $ 195,000 | $ 58,000 |
| Michigan City-La Porte, IN | 1 | $ 575,000 | $ 575,000 | $ 106,000 |
| Morristown, TN | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Pueblo, CO | 1 | $ 105,000 | $ 105,000 | $ 80,000 |
| Raleigh, NC | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 315,000 | $ 315,000 | $ 76,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 175,000 | $ 175,000 | $ 58,000 |
| Sebring, FL | 1 | $ 235,000 | $ 235,000 | $ 50,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 165,000 | $ 165,000 | $ 73,000 |
| Springfield, IL | 1 | $ 105,000 | $ 105,000 | $ 0 |
| St. Cloud, MN | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| St. Louis, MO-IL | 1 | $ 155,000 | $ 155,000 | $ 130,000 |
| Tallahassee, FL | 1 | $ 135,000 | $ 135,000 | $ 71,000 |
| Valdosta, GA | 1 | $ 235,000 | $ 235,000 | $ 130,000 |
| Victoria, TX | 1 | $ 195,000 | $ 195,000 | $ 78,000 |
| Vineland-Bridgeton, NJ | 1 | $ 235,000 | $ 235,000 | $ 69,000 |
| Wichita Falls, TX | 1 | $ 305,000 | $ 305,000 | $ 69,000 |
| Yuma, AZ | 1 | $ 185,000 | $ 185,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Ocmbc, Inc. in 2021
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 |
|---|---|---|---|---|---|---|
| Refinancing | 5,097 | $2,108,735,000 | $413,000 | $5,355,000 | $157,000 | $4,864,000 |
| Home Purchase | 5,073 | $2,055,115,000 | $405,000 | $4,005,000 | $125,000 | $5,136,000 |
| Cash-out Refinancing | 4,289 | $1,804,695,000 | $420,000 | $84,005,000 | $133,000 | $5,119,000 |
| Home Improvement | 1 | $155,000 | $155,000 | $155,000 | $74,000 | $74,000 |
| Other Purpose | 1 | $5,000 | $5,000 | $5,000 | $0 | $0 |
| 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 | 5,206 | $1,974,970,000 | $379,000 | $4,005,000 | $109,000 | $5,119,000 |
| White | 4,346 | $1,955,070,000 | $449,000 | $84,005,000 | $164,000 | $4,662,000 |
| Not Provided | 2,370 | $1,063,470,000 | $448,000 | $3,615,000 | $159,000 | $5,136,000 |
| Black or African American | 1,539 | $514,175,000 | $334,000 | $2,555,000 | $107,000 | $1,876,000 |
| Asian | 948 | $441,500,000 | $465,000 | $3,775,000 | $185,000 | $4,864,000 |
| Native Hawaiian or Other Pacific Islander | 35 | $13,205,000 | $377,000 | $715,000 | $107,000 | $290,000 |
| American Indian or Alaskan Native | 17 | $6,315,000 | $371,000 | $665,000 | $109,000 | $225,000 |
| 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) | 10,393 | $4,450,765,000 | $428,000 | $84,005,000 | $156,000 | $5,136,000 |
| FHA-insured (Federal Housing Administration) | 3,338 | $1,188,400,000 | $356,000 | $1,595,000 | $86,000 | $674,000 |
| VA-guaranteed (Veterans Administration) | 703 | $322,695,000 | $459,000 | $1,765,000 | $109,000 | $385,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $6,845,000 | $253,000 | $425,000 | $567,000 | $4,864,000 |
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 | 9,997 | $4,011,795,000 | $401,000 | $6,305,000 | $135,000 | $5,119,000 |
| Application Denied By Financial Institution | 4,418 | $1,938,190,000 | $438,000 | $84,005,000 | $145,000 | $5,136,000 |
| File Closed For Incompleteness | 40 | $15,880,000 | $397,000 | $1,125,000 | $199,000 | $3,156,000 |
| Application Approved But Not Accepted | 5 | $2,225,000 | $445,000 | $995,000 | $122,000 | $266,000 |
| Application Withdrawn By Applicant | 1 | $615,000 | $615,000 | $615,000 | $0 | $0 |
| 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 | 10,043 | $4,030,515,000 | $401,000 | $6,305,000 | $136,000 | $5,119,000 |
| Credit Application Incomplete | 3,073 | $1,276,095,000 | $415,000 | $4,005,000 | $141,000 | $4,080,000 |
| Other | 472 | $186,430,000 | $394,000 | $3,615,000 | $166,000 | $2,150,000 |
| Debt-To-Income Ratio | 353 | $157,175,000 | $445,000 | $2,475,000 | $123,000 | $4,864,000 |
| Unverifiable Information | 208 | $88,660,000 | $426,000 | $3,005,000 | $180,000 | $4,445,000 |
| Credit History | 136 | $63,780,000 | $468,000 | $4,405,000 | $127,000 | $2,112,000 |
| Collateral | 105 | $54,025,000 | $514,000 | $5,355,000 | $281,000 | $5,136,000 |
| Employment History | 40 | $15,070,000 | $376,000 | $1,205,000 | $85,000 | $279,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 27 | $94,725,000 | $3,508,000 | $84,005,000 | $119,000 | $320,000 |
| Mortgage Insurance Denied | 4 | $2,230,000 | $557,000 | $905,000 | $113,000 | $189,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ocmbc, Inc.'s 2021 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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