Ocean West Funding
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Ocean West Funding 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Ocean West Funding 15991 Red Hill Avenue, Suite 110 Tustin, CA 92780 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 2,482 |
| Total Mortgage Loan Application Amount | $423,009,000 |
| Average Mortgage Loan Application Amount | $129,228 |
| Highest Mortgage Loan Application Amount | $20,080,000 |
| Average Applicant Income | $68,514 |
| Highest Applicant Income | $2,280,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Ocean West Funding. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Ocean West Funding's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Ocean West Funding's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Ocean West Funding serves its applicants.
Each category highlights the total number of mortgage applications processed by Ocean West Funding, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Ocean West Funding's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 460 | $ 80,554,000 | $ 175,000 | $ 74,000 |
| Orange County California | 182 | $ 47,416,000 | $ 260,000 | $ 111,000 |
| Riverside County California | 146 | $ 44,706,000 | $ 306,000 | $ 89,000 |
| San Bernardino County California | 141 | $ 17,963,000 | $ 127,000 | $ 61,000 |
| Maricopa County Arizona | 69 | $ 8,074,000 | $ 117,000 | $ 74,000 |
| Cook County Illinois | 68 | $ 7,056,000 | $ 103,000 | $ 74,000 |
| San Diego County California | 53 | $ 10,800,000 | $ 203,000 | $ 107,000 |
| Madera County California | 45 | $ 7,419,000 | $ 164,000 | $ 87,000 |
| Clark County Nevada | 42 | $ 5,439,000 | $ 129,000 | $ 98,000 |
| Alameda County California | 39 | $ 9,361,000 | $ 240,000 | $ 104,000 |
| New Haven County Connecticut | 37 | $ 4,591,000 | $ 124,000 | $ 58,000 |
| Santa Clara County California | 33 | $ 8,978,000 | $ 272,000 | $ 120,000 |
| Sacramento County California | 31 | $ 4,849,000 | $ 156,000 | $ 67,000 |
| Ventura County California | 31 | $ 5,646,000 | $ 182,000 | $ 94,000 |
| Marion County Indiana | 30 | $ 2,306,000 | $ 76,000 | $ 39,000 |
| Middlesex County Massachusetts | 29 | $ 5,793,000 | $ 199,000 | $ 77,000 |
| Essex County Massachusetts | 27 | $ 5,543,000 | $ 205,000 | $ 107,000 |
| Fresno County California | 23 | $ 2,650,000 | $ 115,000 | $ 57,000 |
| Kent County Michigan | 23 | $ 2,375,000 | $ 103,000 | $ 25,000 |
| Wayne County Michigan | 22 | $ 1,818,000 | $ 82,000 | $ 28,000 |
| Harris County Texas | 21 | $ 2,564,000 | $ 122,000 | $ 53,000 |
| Pierce County Washington | 21 | $ 1,778,000 | $ 84,000 | $ 54,000 |
| Contra Costa County California | 20 | $ 4,325,000 | $ 216,000 | $ 89,000 |
| Kern County California | 20 | $ 1,622,000 | $ 81,000 | $ 76,000 |
| Worcester County Massachusetts | 20 | $ 3,300,000 | $ 165,000 | $ 105,000 |
| Washoe County Nevada | 18 | $ 2,038,000 | $ 113,000 | $ 62,000 |
| Cuyahoga County Ohio | 18 | $ 1,466,000 | $ 81,000 | $ 90,000 |
| San Joaquin County California | 17 | $ 2,643,000 | $ 155,000 | $ 70,000 |
| Fairfield County Connecticut | 17 | $ 3,590,000 | $ 211,000 | $ 86,000 |
| King County Washington | 15 | $ 2,972,000 | $ 198,000 | $ 68,000 |
| Honolulu County Hawaii | 14 | $ 3,129,000 | $ 223,000 | $ 76,000 |
| Suffolk County Massachusetts | 14 | $ 2,741,000 | $ 195,000 | $ 84,000 |
| Genesee County Michigan | 13 | $ 783,000 | $ 60,000 | $ 47,000 |
| Stanislaus County California | 12 | $ 1,454,000 | $ 121,000 | $ 70,000 |
| Plymouth County Massachusetts | 12 | $ 2,254,000 | $ 187,000 | $ 79,000 |
| Snohomish County Washington | 12 | $ 2,266,000 | $ 188,000 | $ 74,000 |
| San Mateo County California | 11 | $ 3,613,000 | $ 328,000 | $ 122,000 |
| Litchfield County Connecticut | 11 | $ 1,628,000 | $ 148,000 | $ 74,000 |
| Bristol County Massachusetts | 11 | $ 1,266,000 | $ 115,000 | $ 92,000 |
| Rutherford County Tennessee | 11 | $ 1,112,000 | $ 101,000 | $ 17,000 |
| Montgomery County Ohio | 10 | $ 545,000 | $ 54,000 | $ 146,000 |
| Shelby County Tennessee | 10 | $ 812,000 | $ 81,000 | $ 55,000 |
| Solano County California | 8 | $ 2,631,000 | $ 328,000 | $ 98,000 |
| Norfolk County Massachusetts | 8 | $ 1,661,000 | $ 207,000 | $ 73,000 |
| Jackson County Missouri | 8 | $ 608,000 | $ 76,000 | $ 97,000 |
| Mecklenburg County North Carolina | 8 | $ 1,157,000 | $ 144,000 | $ 69,000 |
| El Dorado County California | 7 | $ 2,755,000 | $ 393,000 | $ 106,000 |
| Miami-Dade County Florida | 7 | $ 860,000 | $ 122,000 | $ 186,000 |
| Lake County Illinois | 7 | $ 1,724,000 | $ 246,000 | $ 90,000 |
| St. Clair County Illinois | 7 | $ 536,000 | $ 76,000 | $ 80,000 |
| Hampden County Massachusetts | 7 | $ 1,109,000 | $ 158,000 | $ 59,000 |
| Blount County Tennessee | 7 | $ 710,000 | $ 101,000 | $ 65,000 |
| Dallas County Texas | 7 | $ 701,000 | $ 100,000 | $ 0 |
| Salt Lake County Utah | 7 | $ 649,000 | $ 92,000 | $ 47,000 |
| Utah County Utah | 7 | $ 743,000 | $ 106,000 | $ 34,000 |
| Monterey County California | 6 | $ 1,404,000 | $ 234,000 | $ 41,000 |
| Placer County California | 6 | $ 1,539,000 | $ 256,000 | $ 80,000 |
| Yolo County California | 6 | $ 521,000 | $ 86,000 | $ 541,000 |
| Arapahoe County Colorado | 6 | $ 839,000 | $ 139,000 | $ 86,000 |
| Hartford County Connecticut | 6 | $ 918,000 | $ 153,000 | $ 79,000 |
| Broward County Florida | 6 | $ 944,000 | $ 157,000 | $ 69,000 |
| Barry County Michigan | 6 | $ 838,000 | $ 139,000 | $ 33,000 |
| Muskegon County Michigan | 6 | $ 424,000 | $ 70,000 | $ 29,000 |
| Oakland County Michigan | 6 | $ 734,000 | $ 122,000 | $ 66,000 |
| Washington County Oregon | 6 | $ 796,000 | $ 132,000 | $ 67,000 |
| Davidson County Tennessee | 6 | $ 761,000 | $ 126,000 | $ 52,000 |
| Tarrant County Texas | 6 | $ 472,000 | $ 78,000 | $ 0 |
| Merced County California | 5 | $ 681,000 | $ 136,000 | $ 88,000 |
| San Francisco County California | 5 | $ 1,065,000 | $ 213,000 | $ 103,000 |
| Volusia County Florida | 5 | $ 728,000 | $ 145,000 | $ 46,000 |
| St. Tammany County Louisiana | 5 | $ 522,000 | $ 104,000 | $ 51,000 |
| Montgomery County Maryland | 5 | $ 951,000 | $ 190,000 | $ 144,000 |
| Eaton County Michigan | 5 | $ 550,000 | $ 110,000 | $ 0 |
| Macomb County Michigan | 5 | $ 703,000 | $ 140,000 | $ 23,000 |
| Greene County Missouri | 5 | $ 391,000 | $ 78,000 | $ 140,000 |
| Multnomah County Oregon | 5 | $ 715,000 | $ 143,000 | $ 119,000 |
| Philadelphia County Pennsylvania | 5 | $ 1,026,000 | $ 205,000 | $ 94,000 |
| Clark County Washington | 5 | $ 452,000 | $ 90,000 | $ 70,000 |
| Imperial County California | 4 | $ 359,000 | $ 89,000 | $ 73,000 |
| Mariposa County California | 4 | $ 593,000 | $ 148,000 | $ 60,000 |
| San Luis Obispo County California | 4 | $ 1,134,000 | $ 283,000 | $ 72,000 |
| Denver County Colorado | 4 | $ 549,000 | $ 137,000 | $ 85,000 |
| Duval County Florida | 4 | $ 419,000 | $ 104,000 | $ 70,000 |
| Palm Beach County Florida | 4 | $ 405,000 | $ 101,000 | $ 53,000 |
| Bonneville County Idaho | 4 | $ 280,000 | $ 70,000 | $ 32,000 |
| Hamilton County Indiana | 4 | $ 360,000 | $ 90,000 | $ 45,000 |
| Kalamazoo County Michigan | 4 | $ 717,000 | $ 179,000 | $ 22,000 |
| Ottawa County Michigan | 4 | $ 498,000 | $ 124,000 | $ 0 |
| Rankin County Mississippi | 4 | $ 502,000 | $ 125,000 | $ 57,000 |
| Lake County Ohio | 4 | $ 249,000 | $ 62,000 | $ 38,000 |
| Clackamas County Oregon | 4 | $ 397,000 | $ 99,000 | $ 108,000 |
| Montgomery County Pennsylvania | 4 | $ 793,000 | $ 198,000 | $ 134,000 |
| Newport County Rhode Island | 4 | $ 827,000 | $ 206,000 | $ 114,000 |
| Travis County Texas | 4 | $ 369,000 | $ 92,000 | $ 15,000 |
| Pima County Arizona | 3 | $ 363,000 | $ 121,000 | $ 96,000 |
| Humboldt County California | 3 | $ 318,000 | $ 106,000 | $ 39,000 |
| Kings County California | 3 | $ 393,000 | $ 131,000 | $ 40,000 |
| Mono County California | 3 | $ 324,000 | $ 108,000 | $ 53,000 |
| San Benito County California | 3 | $ 730,000 | $ 243,000 | $ 102,000 |
| Shasta County California | 3 | $ 313,000 | $ 104,000 | $ 0 |
| Tulare County California | 3 | $ 330,000 | $ 110,000 | $ 51,000 |
| El Paso County Colorado | 3 | $ 246,000 | $ 82,000 | $ 0 |
| Windham County Connecticut | 3 | $ 373,000 | $ 124,000 | $ 47,000 |
| Hillsborough County Florida | 3 | $ 240,000 | $ 80,000 | $ 58,000 |
| Maui County Hawaii | 3 | $ 700,000 | $ 233,000 | $ 274,000 |
| Livingston County Illinois | 3 | $ 136,000 | $ 45,000 | $ 62,000 |
| McLean County Illinois | 3 | $ 103,000 | $ 34,000 | $ 88,000 |
| Ingham County Michigan | 3 | $ 294,000 | $ 98,000 | $ 0 |
| Ramsey County Minnesota | 3 | $ 462,000 | $ 154,000 | $ 0 |
| Jasper County Missouri | 3 | $ 251,000 | $ 83,000 | $ 39,000 |
| St. Louis County Missouri | 3 | $ 170,000 | $ 56,000 | $ 67,000 |
| St. Louis City County Missouri | 3 | $ 242,000 | $ 80,000 | $ 97,000 |
| Bernalillo County New Mexico | 3 | $ 288,000 | $ 96,000 | $ 42,000 |
| Sandoval County New Mexico | 3 | $ 321,000 | $ 107,000 | $ 76,000 |
| Lane County Oregon | 3 | $ 380,000 | $ 126,000 | $ 44,000 |
| Allegheny County Pennsylvania | 3 | $ 397,000 | $ 132,000 | $ 51,000 |
| Bucks County Pennsylvania | 3 | $ 1,059,000 | $ 353,000 | $ 233,000 |
| Butler County Pennsylvania | 3 | $ 449,000 | $ 149,000 | $ 88,000 |
| Bexar County Texas | 3 | $ 286,000 | $ 95,000 | $ 0 |
| Collin County Texas | 3 | $ 358,000 | $ 119,000 | $ 72,000 |
| Mohave County Arizona | 2 | $ 244,000 | $ 122,000 | $ 41,000 |
| Pinal County Arizona | 2 | $ 268,000 | $ 134,000 | $ 77,000 |
| Yavapai County Arizona | 2 | $ 188,000 | $ 94,000 | $ 0 |
| Yuma County Arizona | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Lake County California | 2 | $ 146,000 | $ 73,000 | $ 62,000 |
| Marin County California | 2 | $ 1,071,000 | $ 535,000 | $ 106,000 |
| Napa County California | 2 | $ 387,000 | $ 193,000 | $ 107,000 |
| Santa Cruz County California | 2 | $ 832,000 | $ 416,000 | $ 149,000 |
| Siskiyou County California | 2 | $ 275,000 | $ 137,000 | $ 54,000 |
| Adams County Colorado | 2 | $ 214,000 | $ 107,000 | $ 0 |
| Eagle County Colorado | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Weld County Colorado | 2 | $ 198,000 | $ 99,000 | $ 0 |
| Bay County Florida | 2 | $ 244,000 | $ 122,000 | $ 130,000 |
| Collier County Florida | 2 | $ 2,549,000 | $ 1,274,000 | $ 282,000 |
| Escambia County Florida | 2 | $ 115,000 | $ 57,000 | $ 59,000 |
| Nassau County Florida | 2 | $ 275,000 | $ 137,000 | $ 67,000 |
| Pinellas County Florida | 2 | $ 182,000 | $ 91,000 | $ 29,000 |
| Jefferson County Idaho | 2 | $ 163,000 | $ 81,000 | $ 58,000 |
| Madison County Idaho | 2 | $ 125,000 | $ 62,000 | $ 53,000 |
| DuPage County Illinois | 2 | $ 219,000 | $ 109,000 | $ 81,000 |
| Johnson County Kansas | 2 | $ 189,000 | $ 94,000 | $ 68,000 |
| St. Bernard County Louisiana | 2 | $ 108,000 | $ 54,000 | $ 83,000 |
| Barnstable County Massachusetts | 2 | $ 384,000 | $ 192,000 | $ 57,000 |
| Hampshire County Massachusetts | 2 | $ 428,000 | $ 214,000 | $ 115,000 |
| Jackson County Michigan | 2 | $ 170,000 | $ 85,000 | $ 0 |
| St. Clair County Michigan | 2 | $ 80,000 | $ 40,000 | $ 56,000 |
| Dakota County Minnesota | 2 | $ 434,000 | $ 217,000 | $ 62,000 |
| Hennepin County Minnesota | 2 | $ 503,000 | $ 251,000 | $ 90,000 |
| Vernon County Missouri | 2 | $ 104,000 | $ 52,000 | $ 30,000 |
| Nye County Nevada | 2 | $ 256,000 | $ 128,000 | $ 0 |
| Hillsborough County New Hampshire | 2 | $ 457,000 | $ 228,000 | $ 76,000 |
| Rockingham County New Hampshire | 2 | $ 403,000 | $ 201,000 | $ 50,000 |
| McDowell County North Carolina | 2 | $ 142,000 | $ 71,000 | $ 62,000 |
| Butler County Ohio | 2 | $ 222,000 | $ 111,000 | $ 107,000 |
| Delaware County Ohio | 2 | $ 676,000 | $ 338,000 | $ 0 |
| Medina County Ohio | 2 | $ 294,000 | $ 147,000 | $ 73,000 |
| Preble County Ohio | 2 | $ 96,000 | $ 48,000 | $ 51,000 |
| Yamhill County Oregon | 2 | $ 276,000 | $ 138,000 | $ 37,000 |
| Berks County Pennsylvania | 2 | $ 274,000 | $ 137,000 | $ 72,000 |
| Chester County Pennsylvania | 2 | $ 337,000 | $ 168,000 | $ 67,000 |
| Lancaster County Pennsylvania | 2 | $ 275,000 | $ 137,000 | $ 46,000 |
| Northampton County Pennsylvania | 2 | $ 269,000 | $ 134,000 | $ 40,000 |
| Pike County Pennsylvania | 2 | $ 316,000 | $ 158,000 | $ 46,000 |
| York County Pennsylvania | 2 | $ 369,000 | $ 184,000 | $ 51,000 |
| Providence County Rhode Island | 2 | $ 230,000 | $ 115,000 | $ 40,000 |
| Washington County Rhode Island | 2 | $ 258,000 | $ 129,000 | $ 66,000 |
| Greenville County South Carolina | 2 | $ 131,000 | $ 65,000 | $ 35,000 |
| Robertson County Tennessee | 2 | $ 178,000 | $ 89,000 | $ 17,000 |
| Williamson County Tennessee | 2 | $ 475,000 | $ 237,000 | $ 126,000 |
| Wilson County Tennessee | 2 | $ 362,000 | $ 181,000 | $ 43,000 |
| Midland County Texas | 2 | $ 141,000 | $ 70,000 | $ 0 |
| Potter County Texas | 2 | $ 336,000 | $ 168,000 | $ 18,000 |
| Davis County Utah | 2 | $ 140,000 | $ 70,000 | $ 26,000 |
| Polk County Wisconsin | 2 | $ 244,000 | $ 122,000 | $ 110,000 |
| Anchorage County Alaska | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Cochise County Arizona | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Coconino County Arizona | 1 | $ 136,000 | $ 136,000 | $ 60,000 |
| Crittenden County Arkansas | 1 | $ 30,000 | $ 30,000 | $ 78,000 |
| Butte County California | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Inyo County California | 1 | $ 275,000 | $ 275,000 | $ 59,000 |
| Mendocino County California | 1 | $ 210,000 | $ 210,000 | $ 79,000 |
| Nevada County California | 1 | $ 212,000 | $ 212,000 | $ 76,000 |
| Santa Barbara County California | 1 | $ 124,000 | $ 124,000 | $ 91,000 |
| Sonoma County California | 1 | $ 580,000 | $ 580,000 | $ 238,000 |
| Sutter County California | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Yuba County California | 1 | $ 130,000 | $ 130,000 | $ 41,000 |
| Douglas County Colorado | 1 | $ 175,000 | $ 175,000 | $ 360,000 |
| Teller County Colorado | 1 | $ 98,000 | $ 98,000 | $ 23,000 |
| New London County Connecticut | 1 | $ 106,000 | $ 106,000 | $ 38,000 |
| Clay County Florida | 1 | $ 79,000 | $ 79,000 | $ 32,000 |
| Indian River County Florida | 1 | $ 84,000 | $ 84,000 | $ 116,000 |
| Manatee County Florida | 1 | $ 186,000 | $ 186,000 | $ 40,000 |
| Okaloosa County Florida | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Orange County Florida | 1 | $ 181,000 | $ 181,000 | $ 109,000 |
| Pasco County Florida | 1 | $ 42,000 | $ 42,000 | $ 17,000 |
| Polk County Florida | 1 | $ 74,000 | $ 74,000 | $ 120,000 |
| Sarasota County Florida | 1 | $ 96,000 | $ 96,000 | $ 30,000 |
| Seminole County Florida | 1 | $ 110,000 | $ 110,000 | $ 47,000 |
| Bartow County Georgia | 1 | $ 71,000 | $ 71,000 | $ 49,000 |
| Bibb County Georgia | 1 | $ 177,000 | $ 177,000 | $ 65,000 |
| DeKalb County Georgia | 1 | $ 118,000 | $ 118,000 | $ 70,000 |
| Polk County Georgia | 1 | $ 153,000 | $ 153,000 | $ 48,000 |
| Hawaii County Hawaii | 1 | $ 318,000 | $ 318,000 | $ 54,000 |
| Kauai County Hawaii | 1 | $ 750,000 | $ 750,000 | $ 408,000 |
| Pike County Illinois | 1 | $ 98,000 | $ 98,000 | $ 34,000 |
| Will County Illinois | 1 | $ 34,000 | $ 34,000 | $ 78,000 |
| Allen County Indiana | 1 | $ 64,000 | $ 64,000 | $ 20,000 |
| Hancock County Indiana | 1 | $ 20,000 | $ 20,000 | $ 89,000 |
| Hendricks County Indiana | 1 | $ 294,000 | $ 294,000 | $ 121,000 |
| Madison County Indiana | 1 | $ 59,000 | $ 59,000 | $ 17,000 |
| Monroe County Indiana | 1 | $ 87,000 | $ 87,000 | $ 47,000 |
| Delaware County Iowa | 1 | $ 240,000 | $ 240,000 | $ 107,000 |
| Johnson County Iowa | 1 | $ 97,000 | $ 97,000 | $ 27,000 |
| Geary County Kansas | 1 | $ 59,000 | $ 59,000 | $ 30,000 |
| Lyon County Kansas | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Montgomery County Kansas | 1 | $ 34,000 | $ 34,000 | $ 47,000 |
| Pottawatomie County Kansas | 1 | $ 64,000 | $ 64,000 | $ 85,000 |
| Shawnee County Kansas | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Wyandotte County Kansas | 1 | $ 65,000 | $ 65,000 | $ 68,000 |
| Todd County Kentucky | 1 | $ 77,000 | $ 77,000 | $ 52,000 |
| Avoyelles County Louisiana | 1 | $ 191,000 | $ 191,000 | $ 74,000 |
| East Baton Rouge County Louisiana | 1 | $ 130,000 | $ 130,000 | $ 211,000 |
| Orleans County Louisiana | 1 | $ 173,000 | $ 173,000 | $ 48,000 |
| Anne Arundel County Maryland | 1 | $ 152,000 | $ 152,000 | $ 58,000 |
| Baltimore County Maryland | 1 | $ 33,000 | $ 33,000 | $ 46,000 |
| Baltimore City County Maryland | 1 | $ 96,000 | $ 96,000 | $ 34,000 |
| Carroll County Maryland | 1 | $ 200,000 | $ 200,000 | $ 62,000 |
| Dorchester County Maryland | 1 | $ 127,000 | $ 127,000 | $ 56,000 |
| Queen Anne's County Maryland | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Franklin County Massachusetts | 1 | $ 86,000 | $ 86,000 | $ 38,000 |
| Berrien County Michigan | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Branch County Michigan | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Calhoun County Michigan | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Charlevoix County Michigan | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Cheboygan County Michigan | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Grand Traverse County Michigan | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Gratiot County Michigan | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Livingston County Michigan | 1 | $ 176,000 | $ 176,000 | $ 211,000 |
| Midland County Michigan | 1 | $ 99,000 | $ 99,000 | $ 40,000 |
| Montcalm County Michigan | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Saginaw County Michigan | 1 | $ 131,000 | $ 131,000 | $ 50,000 |
| Anoka County Minnesota | 1 | $ 170,000 | $ 170,000 | $ 51,000 |
| Adams County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 144,000 |
| DeSoto County Mississippi | 1 | $ 172,000 | $ 172,000 | $ 42,000 |
| Greene County Mississippi | 1 | $ 227,000 | $ 227,000 | $ 110,000 |
| Harrison County Mississippi | 1 | $ 36,000 | $ 36,000 | $ 186,000 |
| Jackson County Mississippi | 1 | $ 81,000 | $ 81,000 | $ 85,000 |
| Pike County Mississippi | 1 | $ 299,000 | $ 299,000 | $ 240,000 |
| Cape Girardeau County Missouri | 1 | $ 63,000 | $ 63,000 | $ 66,000 |
| Clay County Missouri | 1 | $ 150,000 | $ 150,000 | $ 60,000 |
| Moniteau County Missouri | 1 | $ 51,000 | $ 51,000 | $ 140,000 |
| St. Charles County Missouri | 1 | $ 46,000 | $ 46,000 | $ 72,000 |
| St. Clair County Missouri | 1 | $ 37,000 | $ 37,000 | $ 126,000 |
| Fergus County Montana | 1 | $ 334,000 | $ 334,000 | $ 73,000 |
| Flathead County Montana | 1 | $ 110,000 | $ 110,000 | $ 90,000 |
| Douglas County Nevada | 1 | $ 280,000 | $ 280,000 | $ 74,000 |
| Dona Ana County New Mexico | 1 | $ 140,000 | $ 140,000 | $ 142,000 |
| Buncombe County North Carolina | 1 | $ 116,000 | $ 116,000 | $ 39,000 |
| Burke County North Carolina | 1 | $ 113,000 | $ 113,000 | $ 50,000 |
| Craven County North Carolina | 1 | $ 109,000 | $ 109,000 | $ 68,000 |
| Haywood County North Carolina | 1 | $ 242,000 | $ 242,000 | $ 108,000 |
| Hertford County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 23,000 |
| Iredell County North Carolina | 1 | $ 168,000 | $ 168,000 | $ 34,000 |
| Orange County North Carolina | 1 | $ 224,000 | $ 224,000 | $ 187,000 |
| Geauga County Ohio | 1 | $ 210,000 | $ 210,000 | $ 83,000 |
| Lucas County Ohio | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Mahoning County Ohio | 1 | $ 52,000 | $ 52,000 | $ 54,000 |
| Miami County Ohio | 1 | $ 132,000 | $ 132,000 | $ 59,000 |
| Portage County Ohio | 1 | $ 643,000 | $ 643,000 | $ 374,000 |
| Richland County Ohio | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Summit County Ohio | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| Trumbull County Ohio | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Craig County Oklahoma | 1 | $ 116,000 | $ 116,000 | $ 27,000 |
| Benton County Oregon | 1 | $ 97,000 | $ 97,000 | $ 35,000 |
| Deschutes County Oregon | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Marion County Oregon | 1 | $ 25,000 | $ 25,000 | $ 47,000 |
| Tillamook County Oregon | 1 | $ 84,000 | $ 84,000 | $ 51,000 |
| Adams County Pennsylvania | 1 | $ 149,000 | $ 149,000 | $ 112,000 |
| Beaver County Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 108,000 |
| Blair County Pennsylvania | 1 | $ 112,000 | $ 112,000 | $ 75,000 |
| Carbon County Pennsylvania | 1 | $ 111,000 | $ 111,000 | $ 100,000 |
| Dauphin County Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 56,000 |
| Lehigh County Pennsylvania | 1 | $ 144,000 | $ 144,000 | $ 58,000 |
| Luzerne County Pennsylvania | 1 | $ 153,000 | $ 153,000 | $ 82,000 |
| Lycoming County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 27,000 |
| Montour County Pennsylvania | 1 | $ 156,000 | $ 156,000 | $ 32,000 |
| Wayne County Pennsylvania | 1 | $ 119,000 | $ 119,000 | $ 276,000 |
| Bristol County Rhode Island | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Kent County Rhode Island | 1 | $ 134,000 | $ 134,000 | $ 42,000 |
| Beaufort County South Carolina | 1 | $ 72,000 | $ 72,000 | $ 22,000 |
| Berkeley County South Carolina | 1 | $ 59,000 | $ 59,000 | $ 45,000 |
| Charleston County South Carolina | 1 | $ 470,000 | $ 470,000 | $ 0 |
| Lexington County South Carolina | 1 | $ 164,000 | $ 164,000 | $ 57,000 |
| Brown County South Dakota | 1 | $ 101,000 | $ 101,000 | $ 66,000 |
| Anderson County Tennessee | 1 | $ 180,000 | $ 180,000 | $ 52,000 |
| Bedford County Tennessee | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Cheatham County Tennessee | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Coffee County Tennessee | 1 | $ 78,000 | $ 78,000 | $ 22,000 |
| Hamilton County Tennessee | 1 | $ 190,000 | $ 190,000 | $ 84,000 |
| Hardeman County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Knox County Tennessee | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Loudon County Tennessee | 1 | $ 400,000 | $ 400,000 | $ 102,000 |
| Montgomery County Tennessee | 1 | $ 10,000 | $ 10,000 | $ 480,000 |
| Morgan County Tennessee | 1 | $ 54,000 | $ 54,000 | $ 55,000 |
| Putnam County Tennessee | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Warren County Tennessee | 1 | $ 104,000 | $ 104,000 | $ 40,000 |
| Brewster County Texas | 1 | $ 184,000 | $ 184,000 | $ 106,000 |
| Denton County Texas | 1 | $ 106,000 | $ 106,000 | $ 38,000 |
| El Paso County Texas | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Fort Bend County Texas | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Grayson County Texas | 1 | $ 144,000 | $ 144,000 | $ 74,000 |
| Guadalupe County Texas | 1 | $ 179,000 | $ 179,000 | $ 91,000 |
| Hale County Texas | 1 | $ 67,000 | $ 67,000 | $ 34,000 |
| Montgomery County Texas | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
| Nueces County Texas | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Smith County Texas | 1 | $ 127,000 | $ 127,000 | $ 48,000 |
| Cache County Utah | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Carbon County Utah | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Tooele County Utah | 1 | $ 144,000 | $ 144,000 | $ 51,000 |
| Clallam County Washington | 1 | $ 1,313,000 | $ 1,313,000 | $ 96,000 |
| Kitsap County Washington | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Okanogan County Washington | 1 | $ 89,000 | $ 89,000 | $ 53,000 |
| Thurston County Washington | 1 | $ 153,000 | $ 153,000 | $ 49,000 |
| Yakima County Washington | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Washburn County Wisconsin | 1 | $ 60,000 | $ 60,000 | $ 28,000 |
Mortgage Loan Application Detail Totals for Ocean West Funding in 2003
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 (home purchase or home improvement, one-to-four family) | 1,392 | $271,324,000 | $143,783 | $20,080,000 | $65,189 | $1,020,000 |
| Home Purchase (one-to-four family) | 1,090 | $151,685,000 | $112,909 | $973,000 | $72,242 | $2,280,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 |
|---|---|---|---|---|---|---|
| White | 906 | $157,472,000 | $131,314 | $1,313,000 | $71,114 | $2,280,000 |
| Hispanic | 624 | $88,621,000 | $104,105 | $666,000 | $41,421 | $696,000 |
| Information not provided by applicant in mail or telephone application | 575 | $116,151,000 | $147,909 | $20,080,000 | $64,515 | $636,000 |
| Black | 256 | $33,192,000 | $120,416 | $708,000 | $63,666 | $875,000 |
| Asian or Pacific Islander | 106 | $25,182,000 | $164,454 | $1,360,000 | $73,272 | $384,000 |
| American Indian or Alaskan Native | 11 | $1,706,000 | $128,500 | $356,000 | $76,000 | $182,000 |
| Other | 4 | $685,000 | $171,250 | $324,000 | $95,000 | $192,000 |
| 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) | 2,181 | $385,025,000 | $142,052 | $20,080,000 | $77,868 | $2,280,000 |
| FHA-insured (Federal Housing Administration) | 301 | $37,984,000 | $112,608 | $345,000 | $32,956 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 996 | $167,034,000 | $130,290 | $1,360,000 | $57,870 | $636,000 |
| Application Approved But Not Accepted | 684 | $110,364,000 | $141,965 | $796,000 | $82,344 | $1,731,000 |
| Application Denied By Financial Institution | 356 | $47,498,000 | $119,206 | $1,100,000 | $68,517 | $1,020,000 |
| Application Withdrawn By Applicant | 278 | $42,841,000 | $128,322 | $1,313,000 | $75,032 | $2,280,000 |
| File Closed For Incompleteness | 168 | $55,272,000 | $175,333 | $20,080,000 | $68,142 | $696,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 101 | $12,519,000 | $107,428 | $961,000 | $50,619 | $444,000 |
| Credit History | 78 | $11,754,000 | $121,058 | $650,000 | $82,529 | $614,000 |
| Collateral | 42 | $4,860,000 | $151,666 | $360,000 | $89,916 | $187,000 |
| Debt-To-Income Ratio | 24 | $2,997,000 | $111,250 | $284,000 | $58,666 | $120,000 |
| Employment History | 7 | $607,000 | $94,000 | $149,000 | $41,333 | $53,000 |
| Unverifiable Information | 6 | $849,000 | $135,500 | $456,000 | $69,000 | $204,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $70,000 | $70,000 | $70,000 | $18,000 | $18,000 |
| 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 Ocean West Funding's 2003 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 Ocean West Funding'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.