Ocwen Federal Bank FSB Mortgage Lending & HMDA Data, 2005

In 2005, Ocwen Federal Bank FSB of West Palm Beach, FL reported 2,035 mortgage applications totaling $323.2 million, down 14% from 2004. The average application was for $158,809, and applicants reported an average income of $65,620. 22% of its applications resulted in an originated loan and 43% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (74), Atlanta-Sandy Springs-Marietta, GA (53) and Miami-Miami Beach-Kendall, FL (50) (applications in parentheses).

Mortgage Company & Address Ocwen Federal Bank FSB
1661 Worthington Avenue #100
West Palm Beach, FL 33409
Tel #: available with data download
Federal Regulator * available with data download
Years 2005  2004  2003  
Total Number of Mortgage Applications 2,035
Total Mortgage Loan Application Amount $323,178,000
Average Mortgage Loan Application Amount $158,809
Highest Mortgage Loan Application Amount $886,000
Average Applicant Income $65,620
Highest Applicant Income $1,308,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ocwen Federal Bank FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Ocwen Federal Bank FSB by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 74 $ 19,853,000 $ 268,283 $ 82,000
Miami-Dade, Florida 50 $ 8,585,000 $ 171,700 $ 72,000
Broward, Florida 42 $ 6,298,000 $ 149,952 $ 66,000
Maricopa, Arizona 36 $ 6,131,000 $ 170,305 $ 56,000
Clark, Nevada 34 $ 6,426,000 $ 189,000 $ 105,000
Cook, Illinois 33 $ 5,198,000 $ 157,515 $ 69,000
Riverside, California 27 $ 6,069,000 $ 224,777 $ 61,000
Wayne, Michigan 27 $ 2,609,000 $ 96,629 $ 62,000
Philadelphia, Pennsylvania 25 $ 1,813,000 $ 72,520 $ 36,000
Palm Beach, Florida 24 $ 4,029,000 $ 167,875 $ 71,000
San Diego, California 22 $ 7,055,000 $ 320,681 $ 74,000
DeKalb, Georgia 22 $ 3,245,000 $ 147,500 $ 70,000
Harris, Texas 22 $ 2,477,000 $ 112,590 $ 71,000
Hillsborough, Florida 20 $ 2,708,000 $ 135,400 $ 72,000
Sacramento, California 16 $ 3,724,000 $ 232,750 $ 90,000
Prince George's, Maryland 16 $ 3,924,000 $ 245,250 $ 84,000
San Bernardino, California 15 $ 3,201,000 $ 213,400 $ 70,000
Orange, Florida 15 $ 2,148,000 $ 143,200 $ 56,000
Contra Costa, California 14 $ 4,011,000 $ 286,500 $ 63,000
Pinellas, Florida 14 $ 1,722,000 $ 123,000 $ 44,000
Allegheny, Pennsylvania 14 $ 1,299,000 $ 92,785 $ 43,000
Fairfax, Virginia 14 $ 3,329,000 $ 237,785 $ 174,000
King, Washington 14 $ 3,058,000 $ 218,428 $ 92,000
Seminole, Florida 13 $ 2,125,000 $ 163,461 $ 67,000
Delaware, Pennsylvania 13 $ 1,041,000 $ 80,076 $ 61,000
San Joaquin, California 12 $ 3,034,000 $ 252,833 $ 68,000
Hamilton, Ohio 12 $ 1,565,000 $ 130,416 $ 114,000
Fresno, California 11 $ 2,221,000 $ 201,909 $ 96,000
Polk, Florida 11 $ 1,095,000 $ 99,545 $ 41,000
Marion, Indiana 11 $ 1,198,000 $ 108,909 $ 48,000
Baltimore City, Maryland 11 $ 880,000 $ 80,000 $ 36,000
Bergen, New Jersey 11 $ 3,106,000 $ 282,363 $ 61,000
Kings, New York 11 $ 2,895,000 $ 263,181 $ 67,000
Santa Clara, California 10 $ 4,357,000 $ 435,700 $ 104,000
Fairfield, Connecticut 10 $ 2,024,000 $ 202,400 $ 52,000
District of Columbia, District Of Columbia 10 $ 1,933,000 $ 193,300 $ 62,000
Duval, Florida 10 $ 896,000 $ 89,600 $ 56,000
Baltimore, Maryland 10 $ 1,673,000 $ 167,300 $ 61,000
Essex, New Jersey 10 $ 1,832,000 $ 183,200 $ 72,000
Suffolk, New York 10 $ 1,924,000 $ 192,400 $ 40,000
Orange, California 9 $ 2,819,000 $ 313,222 $ 113,000
Solano, California 9 $ 3,436,000 $ 381,777 $ 77,000
Oakland, Michigan 9 $ 2,011,000 $ 223,444 $ 109,000
St. Louis, Missouri 9 $ 976,000 $ 108,444 $ 93,000
Hudson, New Jersey 9 $ 2,156,000 $ 239,555 $ 108,000
Cuyahoga, Ohio 9 $ 945,000 $ 105,000 $ 40,000
Dallas, Texas 9 $ 904,000 $ 100,444 $ 58,000
Denver, Colorado 8 $ 958,000 $ 119,750 $ 84,000
New Haven, Connecticut 8 $ 1,790,000 $ 223,750 $ 62,000
Anne Arundel, Maryland 8 $ 1,591,000 $ 198,875 $ 87,000
Morris, New Jersey 8 $ 2,942,000 $ 367,750 $ 103,000
Tulsa, Oklahoma 8 $ 777,000 $ 97,125 $ 67,000
Multnomah, Oregon 8 $ 1,771,000 $ 221,375 $ 96,000
Shelby, Tennessee 8 $ 699,000 $ 87,375 $ 40,000
Jefferson, Alabama 7 $ 454,000 $ 64,857 $ 47,000
Pima, Arizona 7 $ 807,000 $ 115,285 $ 58,000
Pinal, Arizona 7 $ 780,000 $ 111,428 $ 49,000
Arapahoe, Colorado 7 $ 1,398,000 $ 199,714 $ 48,000
Hartford, Connecticut 7 $ 944,000 $ 134,857 $ 48,000
Volusia, Florida 7 $ 718,000 $ 102,571 $ 46,000
Lake, Indiana 7 $ 578,000 $ 82,571 $ 43,000
Orleans, Louisiana 7 $ 880,000 $ 125,714 $ 84,000
Nassau, New York 7 $ 1,662,000 $ 237,428 $ 84,000
Lane, Oregon 7 $ 1,164,000 $ 166,285 $ 64,000
El Paso, Texas 7 $ 442,000 $ 63,142 $ 40,000
Fort Bend, Texas 7 $ 685,000 $ 97,857 $ 63,000
Tarrant, Texas 7 $ 648,000 $ 92,571 $ 76,000
Alameda, California 6 $ 1,620,000 $ 270,000 $ 102,000
Kern, California 6 $ 690,000 $ 115,000 $ 59,000
Lee, Florida 6 $ 835,000 $ 139,166 $ 31,000
Marion, Florida 6 $ 489,000 $ 81,500 $ 39,000
Pasco, Florida 6 $ 735,000 $ 122,500 $ 54,000
Fulton, Georgia 6 $ 774,000 $ 129,000 $ 47,000
Ada, Idaho 6 $ 521,000 $ 86,833 $ 65,000
DuPage, Illinois 6 $ 1,658,000 $ 276,333 $ 87,000
Lake, Illinois 6 $ 1,042,000 $ 173,666 $ 68,000
Bristol, Massachusetts 6 $ 932,000 $ 155,333 $ 57,000
Worcester, Massachusetts 6 $ 1,178,000 $ 196,333 $ 68,000
Jackson, Missouri 6 $ 604,000 $ 100,666 $ 43,000
Burlington, New Jersey 6 $ 1,185,000 $ 197,500 $ 76,000
Middlesex, New Jersey 6 $ 1,153,000 $ 192,166 $ 86,000
Monmouth, New Jersey 6 $ 995,000 $ 165,833 $ 49,000
Ocean, New Jersey 6 $ 1,504,000 $ 250,666 $ 86,000
Bernalillo, New Mexico 6 $ 599,000 $ 99,833 $ 44,000
Queens, New York 6 $ 1,724,000 $ 287,333 $ 38,000
Westchester, New York 6 $ 2,368,000 $ 394,666 $ 66,000
Franklin, Ohio 6 $ 518,000 $ 86,333 $ 56,000
Oklahoma, Oklahoma 6 $ 465,000 $ 77,500 $ 43,000
Monroe, Pennsylvania 6 $ 610,000 $ 101,666 $ 35,000
Montgomery, Pennsylvania 6 $ 1,042,000 $ 173,666 $ 60,000
Galveston, Texas 6 $ 451,000 $ 75,166 $ 54,000
Milwaukee, Wisconsin 6 $ 593,000 $ 98,833 $ 45,000
Imperial, California 5 $ 561,000 $ 112,200 $ 105,000
San Mateo, California 5 $ 2,014,000 $ 402,800 $ 146,000
Honolulu, Hawaii 5 $ 1,569,000 $ 313,800 $ 114,000
Jefferson, Kentucky 5 $ 398,000 $ 79,600 $ 43,000
Montgomery, Maryland 5 $ 1,479,000 $ 295,800 $ 143,000
Plymouth, Massachusetts 5 $ 809,000 $ 161,800 $ 72,000
Genesee, Michigan 5 $ 617,000 $ 123,400 $ 45,000
Douglas, Nebraska 5 $ 480,000 $ 96,000 $ 43,000
Guilford, North Carolina 5 $ 576,000 $ 115,200 $ 55,000
Lucas, Ohio 5 $ 444,000 $ 88,800 $ 58,000
Cleveland, Oklahoma 5 $ 466,000 $ 93,200 $ 58,000
Lehigh, Pennsylvania 5 $ 495,000 $ 99,000 $ 27,000
Westmoreland, Pennsylvania 5 $ 681,000 $ 136,200 $ 56,000
Providence, Rhode Island 5 $ 888,000 $ 177,600 $ 78,000
Bexar, Texas 5 $ 474,000 $ 94,800 $ 49,000
Salt Lake, Utah 5 $ 798,000 $ 159,600 $ 66,000
Snohomish, Washington 5 $ 1,072,000 $ 214,400 $ 63,000
Baldwin, Alabama 4 $ 679,000 $ 169,750 $ 48,000
Boulder, Colorado 4 $ 774,000 $ 193,500 $ 87,000
El Paso, Colorado 4 $ 701,000 $ 175,250 $ 49,000
Brevard, Florida 4 $ 465,000 $ 116,250 $ 61,000
Clay, Florida 4 $ 516,000 $ 129,000 $ 55,000
Hernando, Florida 4 $ 405,000 $ 101,250 $ 43,000
Okeechobee, Florida 4 $ 269,000 $ 67,250 $ 54,000
Cobb, Georgia 4 $ 582,000 $ 145,500 $ 78,000
Douglas, Georgia 4 $ 547,000 $ 136,750 $ 59,000
Fayette, Georgia 4 $ 648,000 $ 162,000 $ 95,000
Gwinnett, Georgia 4 $ 553,000 $ 138,250 $ 66,000
Will, Illinois 4 $ 754,000 $ 188,500 $ 50,000
Elkhart, Indiana 4 $ 423,000 $ 105,750 $ 61,000
Johnson, Kansas 4 $ 499,000 $ 124,750 $ 53,000
Essex, Massachusetts 4 $ 680,000 $ 170,000 $ 70,000
Middlesex, Massachusetts 4 $ 786,000 $ 196,500 $ 48,000
Hillsborough, New Hampshire 4 $ 733,000 $ 183,250 $ 53,000
Mercer, New Jersey 4 $ 517,000 $ 129,250 $ 58,000
Sussex, New Jersey 4 $ 787,000 $ 196,750 $ 79,000
Lorain, Ohio 4 $ 651,000 $ 162,750 $ 59,000
Stark, Ohio 4 $ 327,000 $ 81,750 $ 44,000
Warren, Ohio 4 $ 442,000 $ 110,500 $ 54,000
Deschutes, Oregon 4 $ 1,122,000 $ 280,500 $ 57,000
Washington, Oregon 4 $ 1,123,000 $ 280,750 $ 80,000
Bucks, Pennsylvania 4 $ 701,000 $ 175,250 $ 138,000
Erie, Pennsylvania 4 $ 541,000 $ 135,250 $ 135,000
Northampton, Pennsylvania 4 $ 582,000 $ 145,500 $ 69,000
Charleston, South Carolina 4 $ 884,000 $ 221,000 $ 108,000
Guadalupe, Texas 4 $ 284,000 $ 71,000 $ 50,000
Chesapeake, Virginia 4 $ 735,000 $ 183,750 $ 44,000
Prince William, Virginia 4 $ 930,000 $ 232,500 $ 43,000
Pierce, Washington 4 $ 687,000 $ 171,750 $ 60,000
Shelby, Alabama 3 $ 725,000 $ 241,666 $ 87,000
Mohave, Arizona 3 $ 270,000 $ 90,000 $ 41,000
Navajo, Arizona 3 $ 414,000 $ 138,000 $ 48,000
Yavapai, Arizona 3 $ 232,000 $ 77,333 $ 36,000
Pope, Arkansas 3 $ 222,000 $ 74,000 $ 41,000
Merced, California 3 $ 415,000 $ 138,333 $ 40,000
Tulare, California 3 $ 461,000 $ 153,666 $ 49,000
Ventura, California 3 $ 1,041,000 $ 347,000 $ 77,000
Adams, Colorado 3 $ 569,000 $ 189,666 $ 47,000
Jefferson, Colorado 3 $ 813,000 $ 271,000 $ 71,000
Kent, Delaware 3 $ 328,000 $ 109,333 $ 82,000
New Castle, Delaware 3 $ 391,000 $ 130,333 $ 73,000
Santa Rosa, Florida 3 $ 238,000 $ 79,333 $ 110,000
Sarasota, Florida 3 $ 584,000 $ 194,666 $ 67,000
St. Johns, Florida 3 $ 448,000 $ 149,333 $ 44,000
Clayton, Georgia 3 $ 327,000 $ 109,000 $ 61,000
Richmond, Georgia 3 $ 236,000 $ 78,666 $ 52,000
Allen, Indiana 3 $ 143,000 $ 47,666 $ 36,000
St. Joseph, Indiana 3 $ 277,000 $ 92,333 $ 27,000
Caddo, Louisiana 3 $ 389,000 $ 129,666 $ 51,000
Barnstable, Massachusetts 3 $ 515,000 $ 171,666 $ 37,000
Jackson, Michigan 3 $ 353,000 $ 117,666 $ 67,000
Macomb, Michigan 3 $ 407,000 $ 135,666 $ 61,000
Muskegon, Michigan 3 $ 151,000 $ 50,333 $ 23,000
Anoka, Minnesota 3 $ 386,000 $ 128,666 $ 64,000
Hennepin, Minnesota 3 $ 349,000 $ 116,333 $ 46,000
DeSoto, Mississippi 3 $ 348,000 $ 116,000 $ 43,000
Clay, Missouri 3 $ 266,000 $ 88,666 $ 39,000
Lake, Montana 3 $ 312,000 $ 104,000 $ 50,000
Atlantic, New Jersey 3 $ 917,000 $ 305,666 $ 181,000
Passaic, New Jersey 3 $ 696,000 $ 232,000 $ 64,000
Union, New Jersey 3 $ 351,000 $ 117,000 $ 41,000
Monroe, New York 3 $ 288,000 $ 96,000 $ 61,000
Ulster, New York 3 $ 552,000 $ 184,000 $ 34,000
Summit, Ohio 3 $ 389,000 $ 129,666 $ 33,000
Clackamas, Oregon 3 $ 616,000 $ 205,333 $ 172,000
Yamhill, Oregon 3 $ 355,000 $ 118,333 $ 74,000
Carbon, Pennsylvania 3 $ 256,000 $ 85,333 $ 43,000
Dauphin, Pennsylvania 3 $ 276,000 $ 92,000 $ 43,000
Lawrence, Pennsylvania 3 $ 224,000 $ 74,666 $ 38,000
Horry, South Carolina 3 $ 442,000 $ 147,333 $ 50,000
Lexington, South Carolina 3 $ 617,000 $ 205,666 $ 68,000
Richland, South Carolina 3 $ 341,000 $ 113,666 $ 53,000
Knox, Tennessee 3 $ 375,000 $ 125,000 $ 42,000
Travis, Texas 3 $ 286,000 $ 95,333 $ 45,000
Williamson, Texas 3 $ 675,000 $ 225,000 $ 69,000
Washington, Utah 3 $ 700,000 $ 233,333 $ 122,000
Richmond City, Virginia 3 $ 258,000 $ 86,000 $ 48,000
Stafford, Virginia 3 $ 467,000 $ 155,666 $ 50,000
Spokane, Washington 3 $ 553,000 $ 184,333 $ 88,000
Madison, Alabama 2 $ 175,000 $ 87,500 $ 73,000
Walker, Alabama 2 $ 118,000 $ 59,000 $ 31,000
Apache, Arizona 2 $ 170,000 $ 85,000 $ 54,000
Miller, Arkansas 2 $ 256,000 $ 128,000 $ 70,000
Nevada, Arkansas 2 $ 151,000 $ 75,500 $ 75,000
Pulaski, Arkansas 2 $ 136,000 $ 68,000 $ 48,000
Saline, Arkansas 2 $ 274,000 $ 137,000 $ 32,000
Butte, California 2 $ 361,000 $ 180,500 $ 92,000
Monterey, California 2 $ 652,000 $ 326,000 $ 30,000
Placer, California 2 $ 865,000 $ 432,500 $ 198,000
Stanislaus, California 2 $ 308,000 $ 154,000 $ 43,000
Tehama, California 2 $ 164,000 $ 82,000 $ 59,000
Park, Colorado 2 $ 355,000 $ 177,500 $ 47,000
Windham, Connecticut 2 $ 400,000 $ 200,000 $ 62,000
Citrus, Florida 2 $ 110,000 $ 55,000 $ 52,000
St. Lucie, Florida 2 $ 233,000 $ 116,500 $ 40,000
Cherokee, Georgia 2 $ 244,000 $ 122,000 $ 50,000
Muscogee, Georgia 2 $ 162,000 $ 81,000 $ 22,000
Thomas, Georgia 2 $ 153,000 $ 76,500 $ 26,000
Kane, Illinois 2 $ 331,000 $ 165,500 $ 54,000
Sangamon, Illinois 2 $ 173,000 $ 86,500 $ 56,000
Hendricks, Indiana 2 $ 289,000 $ 144,500 $ 81,000
Howard, Indiana 2 $ 136,000 $ 68,000 $ 23,000
Morgan, Indiana 2 $ 110,000 $ 55,000 $ 20,000
Putnam, Indiana 2 $ 278,000 $ 139,000 $ 69,000
Clinton, Iowa 2 $ 315,000 $ 157,500 $ 131,000
Pottawattamie, Iowa 2 $ 157,000 $ 78,500 $ 213,000
Sedgwick, Kansas 2 $ 239,000 $ 119,500 $ 65,000
Wyandotte, Kansas 2 $ 131,000 $ 65,500 $ 25,000
Anderson, Kentucky 2 $ 234,000 $ 117,000 $ 54,000
Harrison, Kentucky 2 $ 247,000 $ 123,500 $ 57,000
Kenton, Kentucky 2 $ 168,000 $ 84,000 $ 37,000
East Baton Rouge, Louisiana 2 $ 123,000 $ 61,500 $ 24,000
Jefferson, Louisiana 2 $ 146,000 $ 73,000 $ 37,000
St. John the Baptist, Louisiana 2 $ 128,000 $ 64,000 $ 30,000
Piscataquis, Maine 2 $ 64,000 $ 32,000 $ 23,000
Frederick, Maryland 2 $ 278,000 $ 139,000 $ 15,000
St. Mary's, Maryland 2 $ 406,000 $ 203,000 $ 58,000
Suffolk, Massachusetts 2 $ 264,000 $ 132,000 $ 52,000
Berrien, Michigan 2 $ 262,000 $ 131,000 $ 103,000
Kent, Michigan 2 $ 190,000 $ 95,000 $ 46,000
Van Buren, Michigan 2 $ 1,200,000 $ 600,000 $ 517,000
Harrison, Mississippi 2 $ 194,000 $ 97,000 $ 30,000
Lee, Mississippi 2 $ 217,000 $ 108,500 $ 39,000
Greene, Missouri 2 $ 175,000 $ 87,500 $ 102,000
Johnson, Missouri 2 $ 322,000 $ 161,000 $ 104,000
St. Louis City, Missouri 2 $ 190,000 $ 95,000 $ 40,000
Lyon, Nevada 2 $ 308,000 $ 154,000 $ 45,000
Washoe, Nevada 2 $ 291,000 $ 145,500 $ 44,000
Rockingham, New Hampshire 2 $ 371,000 $ 185,500 $ 32,000
Camden, New Jersey 2 $ 255,000 $ 127,500 $ 91,000
Somerset, New Jersey 2 $ 424,000 $ 212,000 $ 54,000
Lincoln, New Mexico 2 $ 108,000 $ 54,000 $ 31,000
Rio Arriba, New Mexico 2 $ 266,000 $ 133,000 $ 66,000
Bronx, New York 2 $ 340,000 $ 170,000 $ 61,000
Cattaraugus, New York 2 $ 100,000 $ 50,000 $ 24,000
Dutchess, New York 2 $ 257,000 $ 128,500 $ 26,000
Fulton, New York 2 $ 343,000 $ 171,500 $ 71,000
Wyoming, New York 2 $ 72,000 $ 36,000 $ 47,000
Cabarrus, North Carolina 2 $ 150,000 $ 75,000 $ 22,000
Johnston, North Carolina 2 $ 220,000 $ 110,000 $ 62,000
Wake, North Carolina 2 $ 612,000 $ 306,000 $ 107,000
Butler, Ohio 2 $ 189,000 $ 94,500 $ 45,000
Clark, Ohio 2 $ 172,000 $ 86,000 $ 27,000
Erie, Ohio 2 $ 159,000 $ 79,500 $ 33,000
Jefferson, Ohio 2 $ 115,000 $ 57,500 $ 65,000
Logan, Ohio 2 $ 157,000 $ 78,500 $ 52,000
Montgomery, Ohio 2 $ 450,000 $ 225,000 $ 135,000
Muskingum, Ohio 2 $ 104,000 $ 52,000 $ 44,000
Portage, Ohio 2 $ 228,000 $ 114,000 $ 27,000
Richland, Ohio 2 $ 216,000 $ 108,000 $ 52,000
Payne, Oklahoma 2 $ 290,000 $ 145,000 $ 86,000
Sequoyah, Oklahoma 2 $ 112,000 $ 56,000 $ 31,000
Douglas, Oregon 2 $ 204,000 $ 102,000 $ 65,000
Linn, Oregon 2 $ 207,000 $ 103,500 $ 52,000
Marion, Oregon 2 $ 211,000 $ 105,500 $ 45,000
Adams, Pennsylvania 2 $ 344,000 $ 172,000 $ 43,000
Beaver, Pennsylvania 2 $ 204,000 $ 102,000 $ 22,000
Berks, Pennsylvania 2 $ 328,000 $ 164,000 $ 99,000
Centre, Pennsylvania 2 $ 314,000 $ 157,000 $ 60,000
Fayette, Pennsylvania 2 $ 167,000 $ 83,500 $ 80,000
Indiana, Pennsylvania 2 $ 158,000 $ 79,000 $ 48,000
Lebanon, Pennsylvania 2 $ 207,000 $ 103,500 $ 40,000
Susquehanna, Pennsylvania 2 $ 166,000 $ 83,000 $ 73,000
York, Pennsylvania 2 $ 244,000 $ 122,000 $ 66,000
Berkeley, South Carolina 2 $ 159,000 $ 79,500 $ 26,000
Dorchester, South Carolina 2 $ 226,000 $ 113,000 $ 40,000
Florence, South Carolina 2 $ 139,000 $ 69,500 $ 43,000
Orangeburg, South Carolina 2 $ 355,000 $ 177,500 $ 86,000
Williamsburg, South Carolina 2 $ 306,000 $ 153,000 $ 55,000
Bradley, Tennessee 2 $ 273,000 $ 136,500 $ 56,000
Davidson, Tennessee 2 $ 235,000 $ 117,500 $ 48,000
Hamilton, Tennessee 2 $ 239,000 $ 119,500 $ 27,000
Washington, Tennessee 2 $ 163,000 $ 81,500 $ 43,000
Nueces, Texas 2 $ 194,000 $ 97,000 $ 83,000
Taylor, Texas 2 $ 133,000 $ 66,500 $ 49,000
Hampton, Virginia 2 $ 199,000 $ 99,500 $ 72,000
Newport News, Virginia 2 $ 252,000 $ 126,000 $ 55,000
Portsmouth, Virginia 2 $ 225,000 $ 112,500 $ 42,000
Clark, Washington 2 $ 569,000 $ 284,500 $ 99,000
Kittitas, Washington 2 $ 272,000 $ 136,000 $ 53,000
Okanogan, Washington 2 $ 274,000 $ 137,000 $ 49,000
Thurston, Washington 2 $ 292,000 $ 146,000 $ 60,000
Berkeley, West Virginia 2 $ 234,000 $ 117,000 $ 51,000
Kenosha, Wisconsin 2 $ 326,000 $ 163,000 $ 56,000
Fremont, Wyoming 2 $ 754,000 $ 377,000 $ 73,000
Goshen, Wyoming 2 $ 91,000 $ 45,500 $ 21,000
Calhoun, Alabama 1 $ 150,000 $ 150,000 $ 240,000
Houston, Alabama 1 $ 64,000 $ 64,000 $ 28,000
Lee, Alabama 1 $ 85,000 $ 85,000 $ 45,000
Montgomery, Alabama 1 $ 53,000 $ 53,000 $ 20,000
Pike, Alabama 1 $ 525,000 $ 525,000 $ 240,000
Russell, Alabama 1 $ 189,000 $ 189,000 $ 59,000
Talladega, Alabama 1 $ 93,000 $ 93,000 $ 99,000
Tuscaloosa, Alabama 1 $ 226,000 $ 226,000 $ 70,000
Cochise, Arizona 1 $ 51,000 $ 51,000 $ 20,000
Yuma, Arizona 1 $ 71,000 $ 71,000 $ 54,000
Conway, Arkansas 1 $ 68,000 $ 68,000 $ 56,000
Faulkner, Arkansas 1 $ 80,000 $ 80,000 $ 24,000
Garland, Arkansas 1 $ 93,000 $ 93,000 $ 27,000
Greene, Arkansas 1 $ 90,000 $ 90,000 $ 78,000
Independence, Arkansas 1 $ 50,000 $ 50,000 $ 31,000
Logan, Arkansas 1 $ 69,000 $ 69,000 $ 34,000
Mississippi, Arkansas 1 $ 59,000 $ 59,000 $ 35,000
Amador, California 1 $ 270,000 $ 270,000 $ 85,000
Calaveras, California 1 $ 220,000 $ 220,000 $ 71,000
Del Norte, California 1 $ 203,000 $ 203,000 $ 56,000
El Dorado, California 1 $ 323,000 $ 323,000 $ 102,000
Humboldt, California 1 $ 80,000 $ 80,000 $ 96,000
Kings, California 1 $ 65,000 $ 65,000 $ 10,000
Lake, California 1 $ 206,000 $ 206,000 $ 45,000
Napa, California 1 $ 382,000 $ 382,000 $ 96,000
Nevada, California 1 $ 312,000 $ 312,000 $ 88,000
San Francisco, California 1 $ 321,000 $ 321,000 $ 39,000
Santa Cruz, California 1 $ 208,000 $ 208,000 $ 46,000
Shasta, California 1 $ 162,000 $ 162,000 $ 40,000
Yolo, California 1 $ 345,000 $ 345,000 $ 156,000
Broomfield, Colorado 1 $ 264,000 $ 264,000 $ 92,000
Douglas, Colorado 1 $ 253,000 $ 253,000 $ 98,000
Grand, Colorado 1 $ 252,000 $ 252,000 $ 88,000
Larimer, Colorado 1 $ 194,000 $ 194,000 $ 0
Otero, Colorado 1 $ 124,000 $ 124,000 $ 60,000
Weld, Colorado 1 $ 137,000 $ 137,000 $ 50,000
Litchfield, Connecticut 1 $ 144,000 $ 144,000 $ 46,000
Middlesex, Connecticut 1 $ 244,000 $ 244,000 $ 39,000
New London, Connecticut 1 $ 86,000 $ 86,000 $ 64,000
Tolland, Connecticut 1 $ 390,000 $ 390,000 $ 80,000
Alachua, Florida 1 $ 90,000 $ 90,000 $ 44,000
Bay, Florida 1 $ 73,000 $ 73,000 $ 27,000
Charlotte, Florida 1 $ 70,000 $ 70,000 $ 23,000
Escambia, Florida 1 $ 80,000 $ 80,000 $ 21,000
Hendry, Florida 1 $ 165,000 $ 165,000 $ 97,000
Lake, Florida 1 $ 70,000 $ 70,000 $ 35,000
Leon, Florida 1 $ 53,000 $ 53,000 $ 73,000
Manatee, Florida 1 $ 260,000 $ 260,000 $ 86,000
Martin, Florida 1 $ 153,000 $ 153,000 $ 38,000
Nassau, Florida 1 $ 90,000 $ 90,000 $ 126,000
Osceola, Florida 1 $ 105,000 $ 105,000 $ 23,000
Walton, Florida 1 $ 355,000 $ 355,000 $ 156,000
Baldwin, Georgia 1 $ 173,000 $ 173,000 $ 54,000
Chatham, Georgia 1 $ 153,000 $ 153,000 $ 69,000
Columbia, Georgia 1 $ 170,000 $ 170,000 $ 83,000
Dawson, Georgia 1 $ 79,000 $ 79,000 $ 38,000
Glynn, Georgia 1 $ 77,000 $ 77,000 $ 12,000
Hall, Georgia 1 $ 170,000 $ 170,000 $ 67,000
Henry, Georgia 1 $ 453,000 $ 453,000 $ 111,000
Liberty, Georgia 1 $ 215,000 $ 215,000 $ 65,000
Murray, Georgia 1 $ 87,000 $ 87,000 $ 66,000
Pickens, Georgia 1 $ 160,000 $ 160,000 $ 56,000
Rockdale, Georgia 1 $ 104,000 $ 104,000 $ 56,000
Maui, Hawaii 1 $ 227,000 $ 227,000 $ 72,000
Bannock, Idaho 1 $ 83,000 $ 83,000 $ 45,000
Bonneville, Idaho 1 $ 68,000 $ 68,000 $ 35,000
Canyon, Idaho 1 $ 157,000 $ 157,000 $ 30,000
Kootenai, Idaho 1 $ 135,000 $ 135,000 $ 42,000
Twin Falls, Idaho 1 $ 52,000 $ 52,000 $ 54,000
Bureau, Illinois 1 $ 68,000 $ 68,000 $ 900,000
Effingham, Illinois 1 $ 146,000 $ 146,000 $ 45,000
Iroquois, Illinois 1 $ 112,000 $ 112,000 $ 50,000
Jersey, Illinois 1 $ 93,000 $ 93,000 $ 65,000
Livingston, Illinois 1 $ 55,000 $ 55,000 $ 63,000
Logan, Illinois 1 $ 53,000 $ 53,000 $ 116,000
Mason, Illinois 1 $ 60,000 $ 60,000 $ 59,000
McHenry, Illinois 1 $ 196,000 $ 196,000 $ 149,000
McLean, Illinois 1 $ 88,000 $ 88,000 $ 45,000
Peoria, Illinois 1 $ 50,000 $ 50,000 $ 18,000
Piatt, Illinois 1 $ 48,000 $ 48,000 $ 17,000
St. Clair, Illinois 1 $ 77,000 $ 77,000 $ 55,000
Whiteside, Illinois 1 $ 77,000 $ 77,000 $ 36,000
Woodford, Illinois 1 $ 115,000 $ 115,000 $ 72,000
Cass, Indiana 1 $ 65,000 $ 65,000 $ 20,000
Delaware, Indiana 1 $ 109,000 $ 109,000 $ 37,000
Hamilton, Indiana 1 $ 149,000 $ 149,000 $ 66,000
Henry, Indiana 1 $ 87,000 $ 87,000 $ 35,000
Marshall, Indiana 1 $ 80,000 $ 80,000 $ 35,000
Newton, Indiana 1 $ 115,000 $ 115,000 $ 47,000
Owen, Indiana 1 $ 85,000 $ 85,000 $ 61,000
Pike, Indiana 1 $ 140,000 $ 140,000 $ 101,000
Porter, Indiana 1 $ 90,000 $ 90,000 $ 120,000
Randolph, Indiana 1 $ 55,000 $ 55,000 $ 60,000
Rush, Indiana 1 $ 89,000 $ 89,000 $ 36,000
Vanderburgh, Indiana 1 $ 61,000 $ 61,000 $ 26,000
Warrick, Indiana 1 $ 110,000 $ 110,000 $ 65,000
Wayne, Indiana 1 $ 63,000 $ 63,000 $ 29,000
Wells, Indiana 1 $ 64,000 $ 64,000 $ 46,000
Cedar, Iowa 1 $ 54,000 $ 54,000 $ 38,000
Dubuque, Iowa 1 $ 89,000 $ 89,000 $ 37,000
Jasper, Iowa 1 $ 52,000 $ 52,000 $ 55,000
Madison, Iowa 1 $ 180,000 $ 180,000 $ 44,000
Marshall, Iowa 1 $ 52,000 $ 52,000 $ 59,000
Polk, Iowa 1 $ 147,000 $ 147,000 $ 41,000
Poweshiek, Iowa 1 $ 59,000 $ 59,000 $ 28,000
Franklin, Kansas 1 $ 41,000 $ 41,000 $ 15,000
Mitchell, Kansas 1 $ 62,000 $ 62,000 $ 71,000
Osborne, Kansas 1 $ 36,000 $ 36,000 $ 11,000
Reno, Kansas 1 $ 94,000 $ 94,000 $ 56,000
Rice, Kansas 1 $ 81,000 $ 81,000 $ 66,000
Thomas, Kansas 1 $ 50,000 $ 50,000 $ 21,000
Ballard, Kentucky 1 $ 68,000 $ 68,000 $ 37,000
Bourbon, Kentucky 1 $ 66,000 $ 66,000 $ 20,000
Grant, Kentucky 1 $ 67,000 $ 67,000 $ 25,000
Greenup, Kentucky 1 $ 57,000 $ 57,000 $ 56,000
Hardin, Kentucky 1 $ 87,000 $ 87,000 $ 59,000
Oldham, Kentucky 1 $ 217,000 $ 217,000 $ 47,000
Perry, Kentucky 1 $ 45,000 $ 45,000 $ 79,000
Rowan, Kentucky 1 $ 69,000 $ 69,000 $ 15,000
Calcasieu, Louisiana 1 $ 200,000 $ 200,000 $ 82,000
Rapides, Louisiana 1 $ 53,000 $ 53,000 $ 23,000
Sabine, Louisiana 1 $ 76,000 $ 76,000 $ 68,000
St. Landry, Louisiana 1 $ 62,000 $ 62,000 $ 23,000
Terrebonne, Louisiana 1 $ 51,000 $ 51,000 $ 17,000
Washington, Louisiana 1 $ 79,000 $ 79,000 $ 31,000
Cumberland, Maine 1 $ 120,000 $ 120,000 $ 83,000
Penobscot, Maine 1 $ 85,000 $ 85,000 $ 64,000
Allegany, Maryland 1 $ 300,000 $ 300,000 $ 117,000
Calvert, Maryland 1 $ 92,000 $ 92,000 $ 14,000
Carroll, Maryland 1 $ 158,000 $ 158,000 $ 54,000
Charles, Maryland 1 $ 149,000 $ 149,000 $ 119,000
Garrett, Maryland 1 $ 160,000 $ 160,000 $ 60,000
Washington, Maryland 1 $ 95,000 $ 95,000 $ 108,000
Wicomico, Maryland 1 $ 142,000 $ 142,000 $ 86,000
Worcester, Maryland 1 $ 250,000 $ 250,000 $ 237,000
Norfolk, Massachusetts 1 $ 235,000 $ 235,000 $ 45,000
Allegan, Michigan 1 $ 104,000 $ 104,000 $ 68,000
Alpena, Michigan 1 $ 103,000 $ 103,000 $ 72,000
Bay, Michigan 1 $ 73,000 $ 73,000 $ 16,000
Branch, Michigan 1 $ 144,000 $ 144,000 $ 60,000
Crawford, Michigan 1 $ 51,000 $ 51,000 $ 135,000
Dickinson, Michigan 1 $ 65,000 $ 65,000 $ 30,000
Eaton, Michigan 1 $ 122,000 $ 122,000 $ 57,000
Ingham, Michigan 1 $ 111,000 $ 111,000 $ 63,000
Kalamazoo, Michigan 1 $ 75,000 $ 75,000 $ 50,000
Lapeer, Michigan 1 $ 111,000 $ 111,000 $ 76,000
Livingston, Michigan 1 $ 205,000 $ 205,000 $ 105,000
Saginaw, Michigan 1 $ 64,000 $ 64,000 $ 47,000
St. Clair, Michigan 1 $ 168,000 $ 168,000 $ 100,000
Dodge, Minnesota 1 $ 170,000 $ 170,000 $ 66,000
Kandiyohi, Minnesota 1 $ 106,000 $ 106,000 $ 33,000
Pine, Minnesota 1 $ 94,000 $ 94,000 $ 46,000
Ramsey, Minnesota 1 $ 77,000 $ 77,000 $ 36,000
St. Louis, Minnesota 1 $ 113,000 $ 113,000 $ 40,000
Stearns, Minnesota 1 $ 96,000 $ 96,000 $ 22,000
Washington, Minnesota 1 $ 314,000 $ 314,000 $ 82,000
Hancock, Mississippi 1 $ 82,000 $ 82,000 $ 18,000
Hinds, Mississippi 1 $ 53,000 $ 53,000 $ 54,000
Lamar, Mississippi 1 $ 198,000 $ 198,000 $ 68,000
Noxubee, Mississippi 1 $ 141,000 $ 141,000 $ 63,000
Pearl River, Mississippi 1 $ 113,000 $ 113,000 $ 31,000
Rankin, Mississippi 1 $ 102,000 $ 102,000 $ 67,000
Tate, Mississippi 1 $ 133,000 $ 133,000 $ 55,000
Benton, Missouri 1 $ 70,000 $ 70,000 $ 51,000
Buchanan, Missouri 1 $ 242,000 $ 242,000 $ 45,000
Jasper, Missouri 1 $ 62,000 $ 62,000 $ 30,000
Platte, Missouri 1 $ 153,000 $ 153,000 $ 70,000
St. Charles, Missouri 1 $ 110,000 $ 110,000 $ 86,000
Daniels, Montana 1 $ 92,000 $ 92,000 $ 79,000
Yellowstone, Montana 1 $ 59,000 $ 59,000 $ 47,000
Box Butte, Nebraska 1 $ 65,000 $ 65,000 $ 48,000
Dawes, Nebraska 1 $ 71,000 $ 71,000 $ 26,000
Carson City, Nevada 1 $ 202,000 $ 202,000 $ 51,000
Elko, Nevada 1 $ 171,000 $ 171,000 $ 78,000
Gloucester, New Jersey 1 $ 182,000 $ 182,000 $ 47,000
Hunterdon, New Jersey 1 $ 103,000 $ 103,000 $ 43,000
Dona Ana, New Mexico 1 $ 71,000 $ 71,000 $ 21,000
Taos, New Mexico 1 $ 92,000 $ 92,000 $ 41,000
Chenango, New York 1 $ 52,000 $ 52,000 $ 19,000
Columbia, New York 1 $ 77,000 $ 77,000 $ 43,000
Cortland, New York 1 $ 82,000 $ 82,000 $ 50,000
Erie, New York 1 $ 97,000 $ 97,000 $ 37,000
Franklin, New York 1 $ 64,000 $ 64,000 $ 65,000
Greene, New York 1 $ 53,000 $ 53,000 $ 16,000
Niagara, New York 1 $ 53,000 $ 53,000 $ 19,000
Oneida, New York 1 $ 108,000 $ 108,000 $ 72,000
Onondaga, New York 1 $ 67,000 $ 67,000 $ 19,000
Ontario, New York 1 $ 87,000 $ 87,000 $ 150,000
Otsego, New York 1 $ 250,000 $ 250,000 $ 60,000
Rockland, New York 1 $ 350,000 $ 350,000 $ 218,000
Saratoga, New York 1 $ 100,000 $ 100,000 $ 36,000
Sullivan, New York 1 $ 252,000 $ 252,000 $ 70,000
Tompkins, New York 1 $ 35,000 $ 35,000 $ 0
Burke, North Carolina 1 $ 100,000 $ 100,000 $ 96,000
Catawba, North Carolina 1 $ 142,000 $ 142,000 $ 44,000
Cumberland, North Carolina 1 $ 56,000 $ 56,000 $ 85,000
Davie, North Carolina 1 $ 75,000 $ 75,000 $ 37,000
Hoke, North Carolina 1 $ 60,000 $ 60,000 $ 18,000
Mecklenburg, North Carolina 1 $ 77,000 $ 77,000 $ 20,000
Rowan, North Carolina 1 $ 73,000 $ 73,000 $ 86,000
Union, North Carolina 1 $ 271,000 $ 271,000 $ 0
Wayne, North Carolina 1 $ 65,000 $ 65,000 $ 35,000
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Mortgage Loan Application Detail Totals for Ocwen Federal Bank FSB in 2005

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 1,936 $306,654,000 $135,200 $886,000 $61,020 $1,308,000
Home Improvement 81 $12,968,000 $140,066 $612,000 $67,433 $715,000
Home Purchase 18 $3,556,000 $232,428 $499,000 $111,857 $390,000

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
White 1,073 $172,201,000 $139,320 $800,000 $62,200 $1,308,000
Black or African American 372 $50,783,000 $126,000 $557,000 $52,000 $245,000
Not Provided 253 $42,395,000 $155,815 $886,000 $66,552 $390,000
Hispanic 251 $40,096,000 $123,129 $595,000 $50,580 $379,000
Asian 49 $12,289,000 $210,652 $650,000 $108,173 $660,000
American Indian or Alaskan Native 24 $2,986,000 $134,944 $227,000 $72,833 $421,000
Native Hawaiian or Other Pacific Islander 13 $2,428,000 $177,285 $358,000 $108,428 $301,000
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) 2,035 $323,178,000 $135,520 $886,000 $61,240 $1,308,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
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
Application Denied By Financial Institution 867 $131,879,000 $138,083 $886,000 $62,062 $1,283,000
Application Withdrawn By Applicant 698 $117,146,000 $141,312 $650,000 $63,145 $1,308,000
Loan Originated 443 $70,468,000 $141,116 $712,000 $55,302 $322,000
Application Approved But Not Accepted 18 $2,752,000 $172,444 $303,000 $64,666 $128,000
File Closed For Incompleteness 9 $933,000 $103,666 $173,000 $87,777 $380,000
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
Credit Application Incomplete 287 $44,379,000 $137,925 $886,000 $78,325 $1,283,000
Unverifiable Information 171 $27,026,000 $140,461 $525,000 $59,743 $400,000
Other 152 $25,833,000 $153,027 $800,000 $66,432 $660,000
Collateral 147 $17,720,000 $132,914 $555,000 $58,000 $190,000
Debt-To-Income Ratio 52 $8,475,000 $127,956 $538,000 $43,478 $216,000
Credit History 40 $5,557,000 $128,913 $447,000 $55,347 $173,000
Insufficient Cash (Downpayment, Closing Cost) 12 $1,814,000 $133,333 $463,000 $48,888 $162,000
Employment History 6 $1,075,000 $179,166 $260,000 $53,500 $79,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Ocwen Federal Bank FSB's 2005 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 Ocwen Federal Bank FSB'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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