Ocwen Federal Bank FSB Mortgage Lending & HMDA Data, 2004

In 2004, Ocwen Federal Bank FSB of West Palm Beach, FL reported 2,368 mortgage applications totaling $411.4 million, up 5972% from 2003. The average application was for $173,743, and applicants reported an average income of $62,014. 35% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (140), Riverside-San Bernardino-Ontario, CA (115) and Chicago-Naperville-Joliet, IL (99) (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 2,368
Total Mortgage Loan Application Amount $411,425,000
Average Mortgage Loan Application Amount $173,743
Highest Mortgage Loan Application Amount $1,040,000
Average Applicant Income $62,014
Highest Applicant Income $4,160,000

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(HMDA) records Ocwen Federal Bank FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004

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 140 $ 35,195,000 $ 251,392 $ 94,000
Cook, Illinois 73 $ 11,273,000 $ 154,424 $ 64,000
San Bernardino, California 60 $ 10,648,000 $ 177,466 $ 60,000
Riverside, California 55 $ 12,971,000 $ 235,836 $ 74,000
Miami-Dade, Florida 51 $ 7,181,000 $ 140,803 $ 58,000
Broward, Florida 41 $ 6,616,000 $ 161,365 $ 62,000
San Diego, California 39 $ 10,520,000 $ 269,743 $ 70,000
Maricopa, Arizona 35 $ 5,093,000 $ 145,514 $ 51,000
Orange, California 35 $ 10,819,000 $ 309,114 $ 84,000
Wayne, Michigan 34 $ 3,213,000 $ 94,500 $ 40,000
Sacramento, California 33 $ 7,617,000 $ 230,818 $ 66,000
Harris, Texas 32 $ 3,027,000 $ 94,593 $ 72,000
Clark, Nevada 31 $ 5,683,000 $ 183,322 $ 49,000
Palm Beach, Florida 28 $ 4,533,000 $ 161,892 $ 94,000
Alameda, California 27 $ 7,525,000 $ 278,703 $ 88,000
Kings, New York 22 $ 6,027,000 $ 273,954 $ 64,000
Contra Costa, California 20 $ 6,165,000 $ 308,250 $ 76,000
Kern, California 19 $ 2,442,000 $ 128,526 $ 47,000
Santa Clara, California 19 $ 6,784,000 $ 357,052 $ 65,000
Pinellas, Florida 19 $ 2,674,000 $ 140,736 $ 37,000
Suffolk, New York 19 $ 4,638,000 $ 244,105 $ 85,000
Baltimore City, Maryland 18 $ 1,805,000 $ 100,277 $ 62,000
Prince George's, Maryland 18 $ 3,523,000 $ 195,722 $ 73,000
Philadelphia, Pennsylvania 16 $ 1,413,000 $ 88,312 $ 34,000
San Joaquin, California 15 $ 3,715,000 $ 247,666 $ 71,000
Queens, New York 15 $ 4,330,000 $ 288,666 $ 72,000
Hillsborough, Florida 14 $ 1,677,000 $ 119,785 $ 59,000
Orange, Florida 14 $ 1,637,000 $ 116,928 $ 57,000
Fairfax, Virginia 14 $ 2,917,000 $ 208,357 $ 43,000
Fresno, California 13 $ 1,798,000 $ 138,307 $ 45,000
Oakland, Michigan 11 $ 1,672,000 $ 152,000 $ 56,000
Tarrant, Texas 11 $ 1,274,000 $ 115,818 $ 59,000
Travis, Texas 11 $ 1,655,000 $ 150,454 $ 30,000
King, Washington 11 $ 2,066,000 $ 187,818 $ 68,000
Monterey, California 10 $ 4,044,000 $ 404,400 $ 69,000
Stanislaus, California 10 $ 1,854,000 $ 185,400 $ 69,000
Ventura, California 10 $ 3,263,000 $ 326,300 $ 80,000
Hartford, Connecticut 10 $ 1,361,000 $ 136,100 $ 40,000
DeKalb, Georgia 10 $ 1,724,000 $ 172,400 $ 45,000
Fulton, Georgia 10 $ 2,021,000 $ 202,100 $ 66,000
DuPage, Illinois 10 $ 2,373,000 $ 237,300 $ 84,000
Jackson, Missouri 10 $ 714,000 $ 71,400 $ 41,000
Burlington, New Jersey 10 $ 966,000 $ 96,600 $ 76,000
Nassau, New York 10 $ 2,843,000 $ 284,300 $ 78,000
Dallas, Texas 10 $ 1,005,000 $ 100,500 $ 54,000
Pierce, Washington 10 $ 1,960,000 $ 196,000 $ 72,000
Pima, Arizona 9 $ 888,000 $ 98,666 $ 44,000
El Paso, Colorado 9 $ 1,426,000 $ 158,444 $ 71,000
Gwinnett, Georgia 9 $ 1,538,000 $ 170,888 $ 102,000
Lake, Illinois 9 $ 1,602,000 $ 178,000 $ 41,000
St. Louis, Missouri 9 $ 1,011,000 $ 112,333 $ 88,000
Hudson, New Jersey 9 $ 2,274,000 $ 252,666 $ 68,000
Bronx, New York 9 $ 1,921,000 $ 213,444 $ 44,000
Westchester, New York 9 $ 2,418,000 $ 268,666 $ 71,000
Multnomah, Oregon 9 $ 1,132,000 $ 125,777 $ 38,000
Delaware, Pennsylvania 9 $ 1,226,000 $ 136,222 $ 56,000
Duval, Florida 8 $ 1,138,000 $ 142,250 $ 58,000
Cobb, Georgia 8 $ 1,514,000 $ 189,250 $ 41,000
Orleans, Louisiana 8 $ 1,073,000 $ 134,125 $ 49,000
Worcester, Massachusetts 8 $ 1,398,000 $ 174,750 $ 109,000
Macomb, Michigan 8 $ 1,242,000 $ 155,250 $ 74,000
Essex, New Jersey 8 $ 1,183,000 $ 147,875 $ 69,000
Middlesex, New Jersey 8 $ 1,807,000 $ 225,875 $ 87,000
Franklin, Ohio 8 $ 720,000 $ 90,000 $ 36,000
Shelby, Tennessee 8 $ 1,289,000 $ 161,125 $ 108,000
Bexar, Texas 8 $ 569,000 $ 71,125 $ 36,000
Prince William, Virginia 8 $ 2,093,000 $ 261,625 $ 94,000
Denver, Colorado 7 $ 1,269,000 $ 181,285 $ 54,000
Fairfield, Connecticut 7 $ 1,647,000 $ 235,285 $ 64,000
Brevard, Florida 7 $ 869,000 $ 124,142 $ 47,000
Pasco, Florida 7 $ 1,086,000 $ 155,142 $ 36,000
Honolulu, Hawaii 7 $ 1,873,000 $ 267,571 $ 43,000
Will, Illinois 7 $ 1,475,000 $ 210,714 $ 65,000
Richmond, New York 7 $ 1,790,000 $ 255,714 $ 80,000
Mecklenburg, North Carolina 7 $ 737,000 $ 105,285 $ 39,000
Cuyahoga, Ohio 7 $ 662,000 $ 94,571 $ 36,000
Tulsa, Oklahoma 7 $ 895,000 $ 127,857 $ 43,000
El Paso, Texas 7 $ 432,000 $ 61,714 $ 51,000
Hidalgo, Texas 7 $ 633,000 $ 90,428 $ 43,000
Virginia Beach, Virginia 7 $ 1,053,000 $ 150,428 $ 59,000
Clark, Washington 7 $ 1,020,000 $ 145,714 $ 41,000
Solano, California 6 $ 1,509,000 $ 251,500 $ 53,000
Arapahoe, Colorado 6 $ 1,476,000 $ 246,000 $ 90,000
New Haven, Connecticut 6 $ 1,077,000 $ 179,500 $ 63,000
District of Columbia, District Of Columbia 6 $ 1,564,000 $ 260,666 $ 99,000
Sarasota, Florida 6 $ 1,345,000 $ 224,166 $ 63,000
McHenry, Illinois 6 $ 1,182,000 $ 197,000 $ 73,000
Baltimore, Maryland 6 $ 584,000 $ 97,333 $ 61,000
Bergen, New Jersey 6 $ 1,975,000 $ 329,166 $ 78,000
Camden, New Jersey 6 $ 734,000 $ 122,333 $ 75,000
Ocean, New Jersey 6 $ 1,509,000 $ 251,500 $ 63,000
Somerset, New Jersey 6 $ 1,525,000 $ 254,166 $ 109,000
Bernalillo, New Mexico 6 $ 628,000 $ 104,666 $ 28,000
Orange, New York 6 $ 957,000 $ 159,500 $ 52,000
San Francisco, California 5 $ 1,751,000 $ 350,200 $ 27,000
San Luis Obispo, California 5 $ 2,143,000 $ 428,600 $ 129,000
Hawaii, Hawaii 5 $ 1,344,000 $ 268,800 $ 40,000
Lake, Indiana 5 $ 540,000 $ 108,000 $ 45,000
Scott, Iowa 5 $ 331,000 $ 66,200 $ 40,000
Johnson, Kansas 5 $ 1,060,000 $ 212,000 $ 35,000
Jefferson, Louisiana 5 $ 830,000 $ 166,000 $ 100,000
Anne Arundel, Maryland 5 $ 925,000 $ 185,000 $ 63,000
Montgomery, Maryland 5 $ 1,869,000 $ 373,800 $ 57,000
Middlesex, Massachusetts 5 $ 852,000 $ 170,400 $ 70,000
Suffolk, Massachusetts 5 $ 1,618,000 $ 323,600 $ 61,000
Washoe, Nevada 5 $ 1,098,000 $ 219,600 $ 71,000
Rockingham, New Hampshire 5 $ 716,000 $ 143,200 $ 92,000
Washington, Oregon 5 $ 1,176,000 $ 235,200 $ 61,000
Allegheny, Pennsylvania 5 $ 394,000 $ 78,800 $ 42,000
Bucks, Pennsylvania 5 $ 787,000 $ 157,400 $ 47,000
Northampton, Pennsylvania 5 $ 515,000 $ 103,000 $ 55,000
Richland, South Carolina 5 $ 388,000 $ 77,600 $ 21,000
Fort Bend, Texas 5 $ 455,000 $ 91,000 $ 61,000
Milwaukee, Wisconsin 5 $ 396,000 $ 79,200 $ 42,000
Talladega, Alabama 4 $ 669,000 $ 167,250 $ 91,000
Mohave, Arizona 4 $ 366,000 $ 91,500 $ 21,000
Butte, California 4 $ 558,000 $ 139,500 $ 52,000
Merced, California 4 $ 691,000 $ 172,750 $ 49,000
Placer, California 4 $ 868,000 $ 217,000 $ 86,000
Adams, Colorado 4 $ 661,000 $ 165,250 $ 28,000
Jefferson, Colorado 4 $ 949,000 $ 237,250 $ 52,000
Collier, Florida 4 $ 675,000 $ 168,750 $ 45,000
Lee, Florida 4 $ 640,000 $ 160,000 $ 41,000
Osceola, Florida 4 $ 399,000 $ 99,750 $ 30,000
Volusia, Florida 4 $ 294,000 $ 73,500 $ 45,000
Clayton, Georgia 4 $ 380,000 $ 95,000 $ 74,000
Maui, Hawaii 4 $ 1,256,000 $ 314,000 $ 44,000
Ada, Idaho 4 $ 491,000 $ 122,750 $ 59,000
Marion, Indiana 4 $ 316,000 $ 79,000 $ 31,000
Polk, Iowa 4 $ 635,000 $ 158,750 $ 90,000
East Baton Rouge, Louisiana 4 $ 288,000 $ 72,000 $ 39,000
Essex, Massachusetts 4 $ 826,000 $ 206,500 $ 66,000
Norfolk, Massachusetts 4 $ 1,441,000 $ 360,250 $ 83,000
Kent, Michigan 4 $ 326,000 $ 81,500 $ 24,000
St. Louis City, Missouri 4 $ 362,000 $ 90,500 $ 34,000
Monmouth, New Jersey 4 $ 1,284,000 $ 321,000 $ 75,000
Sussex, New Jersey 4 $ 546,000 $ 136,500 $ 58,000
Union, New Jersey 4 $ 691,000 $ 172,750 $ 55,000
Dutchess, New York 4 $ 810,000 $ 202,500 $ 62,000
Erie, New York 4 $ 356,000 $ 89,000 $ 41,000
Rockland, New York 4 $ 1,248,000 $ 312,000 $ 69,000
Oklahoma, Oklahoma 4 $ 229,000 $ 57,250 $ 61,000
Montgomery, Pennsylvania 4 $ 559,000 $ 139,750 $ 47,000
Northumberland, Pennsylvania 4 $ 298,000 $ 74,500 $ 56,000
Providence, Rhode Island 4 $ 627,000 $ 156,750 $ 32,000
Davidson, Tennessee 4 $ 564,000 $ 141,000 $ 43,000
Rutherford, Tennessee 4 $ 386,000 $ 96,500 $ 48,000
Denton, Texas 4 $ 555,000 $ 138,750 $ 114,000
Stevens, Washington 4 $ 509,000 $ 127,250 $ 24,000
Santa Barbara, California 3 $ 1,297,000 $ 432,333 $ 84,000
Tuolumne, California 3 $ 303,000 $ 101,000 $ 18,000
Yolo, California 3 $ 634,000 $ 211,333 $ 27,000
Pueblo, Colorado 3 $ 344,000 $ 114,666 $ 42,000
New London, Connecticut 3 $ 526,000 $ 175,333 $ 51,000
New Castle, Delaware 3 $ 431,000 $ 143,666 $ 40,000
Manatee, Florida 3 $ 417,000 $ 139,000 $ 38,000
Okaloosa, Florida 3 $ 371,000 $ 123,666 $ 49,000
St. Lucie, Florida 3 $ 210,000 $ 70,000 $ 6,000
Cherokee, Georgia 3 $ 1,010,000 $ 336,666 $ 143,000
Allen, Indiana 3 $ 208,000 $ 69,333 $ 24,000
Gibson, Indiana 3 $ 417,000 $ 139,000 $ 90,000
Vanderburgh, Indiana 3 $ 290,000 $ 96,666 $ 43,000
Carroll, Maryland 3 $ 890,000 $ 296,666 $ 273,000
Queen Anne's, Maryland 3 $ 590,000 $ 196,666 $ 50,000
Bristol, Massachusetts 3 $ 538,000 $ 179,333 $ 68,000
Hampden, Massachusetts 3 $ 320,000 $ 106,666 $ 40,000
Tuscola, Michigan 3 $ 334,000 $ 111,333 $ 42,000
Ramsey, Minnesota 3 $ 256,000 $ 85,333 $ 15,000
Douglas, Nebraska 3 $ 290,000 $ 96,666 $ 40,000
Carson City, Nevada 3 $ 546,000 $ 182,000 $ 66,000
Douglas, Nevada 3 $ 612,000 $ 204,000 $ 36,000
Hillsborough, New Hampshire 3 $ 618,000 $ 206,000 $ 100,000
Morris, New Jersey 3 $ 792,000 $ 264,000 $ 48,000
Chautauqua, New York 3 $ 133,000 $ 44,333 $ 179,000
Ulster, New York 3 $ 302,000 $ 100,666 $ 57,000
Wake, North Carolina 3 $ 411,000 $ 137,000 $ 66,000
Ashtabula, Ohio 3 $ 343,000 $ 114,333 $ 16,000
Hamilton, Ohio 3 $ 824,000 $ 274,666 $ 77,000
Lucas, Ohio 3 $ 285,000 $ 95,000 $ 53,000
Cleveland, Oklahoma 3 $ 410,000 $ 136,666 $ 66,000
Washington, Oklahoma 3 $ 231,000 $ 77,000 $ 47,000
Lane, Oregon 3 $ 379,000 $ 126,333 $ 51,000
Beaver, Pennsylvania 3 $ 261,000 $ 87,000 $ 62,000
Berks, Pennsylvania 3 $ 345,000 $ 115,000 $ 43,000
Chester, Pennsylvania 3 $ 599,000 $ 199,666 $ 167,000
Pike, Pennsylvania 3 $ 499,000 $ 166,333 $ 44,000
Kent, Rhode Island 3 $ 429,000 $ 143,000 $ 56,000
Collin, Texas 3 $ 980,000 $ 326,666 $ 71,000
Salt Lake, Utah 3 $ 448,000 $ 149,333 $ 58,000
Hampton, Virginia 3 $ 300,000 $ 100,000 $ 40,000
Loudoun, Virginia 3 $ 965,000 $ 321,666 $ 106,000
Stafford, Virginia 3 $ 462,000 $ 154,000 $ 58,000
Snohomish, Washington 3 $ 694,000 $ 231,333 $ 105,000
Jefferson, Alabama 2 $ 260,000 $ 130,000 $ 67,000
Pinal, Arizona 2 $ 174,000 $ 87,000 $ 64,000
Santa Cruz, Arizona 2 $ 523,000 $ 261,500 $ 162,000
Yavapai, Arizona 2 $ 152,000 $ 76,000 $ 43,000
Yuma, Arizona 2 $ 146,000 $ 73,000 $ 38,000
Montgomery, Arkansas 2 $ 363,000 $ 181,500 $ 68,000
Pulaski, Arkansas 2 $ 249,000 $ 124,500 $ 15,000
Washington, Arkansas 2 $ 276,000 $ 138,000 $ 91,000
San Mateo, California 2 $ 679,000 $ 339,500 $ 81,000
Shasta, California 2 $ 207,000 $ 103,500 $ 32,000
Sonoma, California 2 $ 503,000 $ 251,500 $ 74,000
Sutter, California 2 $ 157,000 $ 78,500 $ 45,000
Tehama, California 2 $ 250,000 $ 125,000 $ 38,000
Fremont, Colorado 2 $ 300,000 $ 150,000 $ 42,000
Logan, Colorado 2 $ 168,000 $ 84,000 $ 41,000
Litchfield, Connecticut 2 $ 478,000 $ 239,000 $ 26,000
Middlesex, Connecticut 2 $ 158,000 $ 79,000 $ 97,000
Windham, Connecticut 2 $ 191,000 $ 95,500 $ 68,000
Sussex, Delaware 2 $ 483,000 $ 241,500 $ 65,000
Alachua, Florida 2 $ 139,000 $ 69,500 $ 34,000
Charlotte, Florida 2 $ 261,000 $ 130,500 $ 90,000
Escambia, Florida 2 $ 203,000 $ 101,500 $ 17,000
Lake, Florida 2 $ 239,000 $ 119,500 $ 105,000
Marion, Florida 2 $ 435,000 $ 217,500 $ 187,000
Martin, Florida 2 $ 272,000 $ 136,000 $ 73,000
Polk, Florida 2 $ 313,000 $ 156,500 $ 86,000
Seminole, Florida 2 $ 256,000 $ 128,000 $ 44,000
St. Johns, Florida 2 $ 266,000 $ 133,000 $ 44,000
Chatham, Georgia 2 $ 143,000 $ 71,500 $ 24,000
Columbia, Georgia 2 $ 473,000 $ 236,500 $ 91,000
Houston, Georgia 2 $ 182,000 $ 91,000 $ 52,000
Iroquois, Illinois 2 $ 163,000 $ 81,500 $ 31,000
Kendall, Illinois 2 $ 487,000 $ 243,500 $ 60,000
Madison, Illinois 2 $ 199,000 $ 99,500 $ 76,000
Peoria, Illinois 2 $ 261,000 $ 130,500 $ 60,000
Clinton, Indiana 2 $ 124,000 $ 62,000 $ 58,000
Dearborn, Indiana 2 $ 402,000 $ 201,000 $ 62,000
Henry, Indiana 2 $ 137,000 $ 68,500 $ 66,000
Jennings, Indiana 2 $ 152,000 $ 76,000 $ 110,000
Porter, Indiana 2 $ 308,000 $ 154,000 $ 97,000
Sedgwick, Kansas 2 $ 208,000 $ 104,000 $ 35,000
Whitley, Kentucky 2 $ 189,000 $ 94,500 $ 43,000
Calcasieu, Louisiana 2 $ 194,000 $ 97,000 $ 47,000
St. John the Baptist, Louisiana 2 $ 146,000 $ 73,000 $ 43,000
Tangipahoa, Louisiana 2 $ 335,000 $ 167,500 $ 58,000
Androscoggin, Maine 2 $ 158,000 $ 79,000 $ 27,000
Kennebec, Maine 2 $ 155,000 $ 77,500 $ 54,000
Harford, Maryland 2 $ 447,000 $ 223,500 $ 62,000
Barnstable, Massachusetts 2 $ 249,000 $ 124,500 $ 56,000
Plymouth, Massachusetts 2 $ 508,000 $ 254,000 $ 77,000
Barry, Michigan 2 $ 142,000 $ 71,000 $ 45,000
Berrien, Michigan 2 $ 317,000 $ 158,500 $ 52,000
Genesee, Michigan 2 $ 94,000 $ 47,000 $ 23,000
Monroe, Michigan 2 $ 230,000 $ 115,000 $ 63,000
Washtenaw, Michigan 2 $ 574,000 $ 287,000 $ 95,000
Hennepin, Minnesota 2 $ 266,000 $ 133,000 $ 42,000
McLeod, Minnesota 2 $ 172,000 $ 86,000 $ 50,000
Wright, Minnesota 2 $ 354,000 $ 177,000 $ 18,000
Clay, Missouri 2 $ 333,000 $ 166,500 $ 66,000
St. Charles, Missouri 2 $ 193,000 $ 96,500 $ 31,000
Flathead, Montana 2 $ 281,000 $ 140,500 $ 25,000
Lake, Montana 2 $ 254,000 $ 127,000 $ 43,000
Gloucester, New Jersey 2 $ 223,000 $ 111,500 $ 45,000
Passaic, New Jersey 2 $ 880,000 $ 440,000 $ 69,000
Sandoval, New Mexico 2 $ 246,000 $ 123,000 $ 61,000
Clinton, New York 2 $ 141,000 $ 70,500 $ 27,000
Onondaga, New York 2 $ 126,000 $ 63,000 $ 81,000
Putnam, New York 2 $ 625,000 $ 312,500 $ 64,000
Sullivan, New York 2 $ 149,000 $ 74,500 $ 37,000
Anson, North Carolina 2 $ 109,000 $ 54,500 $ 20,000
Cumberland, North Carolina 2 $ 228,000 $ 114,000 $ 44,000
Durham, North Carolina 2 $ 148,000 $ 74,000 $ 51,000
Guilford, North Carolina 2 $ 428,000 $ 214,000 $ 40,000
Johnston, North Carolina 2 $ 259,000 $ 129,500 $ 47,000
Fairfield, Ohio 2 $ 360,000 $ 180,000 $ 91,000
Montgomery, Ohio 2 $ 254,000 $ 127,000 $ 48,000
Stark, Ohio 2 $ 321,000 $ 160,500 $ 39,000
Comanche, Oklahoma 2 $ 131,000 $ 65,500 $ 33,000
Osage, Oklahoma 2 $ 117,000 $ 58,500 $ 28,000
Rogers, Oklahoma 2 $ 256,000 $ 128,000 $ 60,000
Clackamas, Oregon 2 $ 375,000 $ 187,500 $ 43,000
Deschutes, Oregon 2 $ 197,000 $ 98,500 $ 11,000
Lycoming, Pennsylvania 2 $ 146,000 $ 73,000 $ 39,000
Monroe, Pennsylvania 2 $ 567,000 $ 283,500 $ 68,000
York, Pennsylvania 2 $ 131,000 $ 65,500 $ 47,000
Berkeley, South Carolina 2 $ 194,000 $ 97,000 $ 58,000
Lexington, South Carolina 2 $ 233,000 $ 116,500 $ 65,000
Marlboro, South Carolina 2 $ 102,000 $ 51,000 $ 16,000
Hamilton, Tennessee 2 $ 194,000 $ 97,000 $ 69,000
Robertson, Tennessee 2 $ 209,000 $ 104,500 $ 33,000
Wilson, Tennessee 2 $ 390,000 $ 195,000 $ 60,000
Bell, Texas 2 $ 131,000 $ 65,500 $ 40,000
Bowie, Texas 2 $ 172,000 $ 86,000 $ 82,000
Brooks, Texas 2 $ 108,000 $ 54,000 $ 65,000
Hardin, Texas 2 $ 179,000 $ 89,500 $ 50,000
Hays, Texas 2 $ 235,000 $ 117,500 $ 83,000
Johnson, Texas 2 $ 199,000 $ 99,500 $ 22,000
Montgomery, Texas 2 $ 241,000 $ 120,500 $ 64,000
Williamson, Texas 2 $ 305,000 $ 152,500 $ 57,000
Tooele, Utah 2 $ 235,000 $ 117,500 $ 57,000
Henrico, Virginia 2 $ 241,000 $ 120,500 $ 25,000
Lynchburg, Virginia 2 $ 240,000 $ 120,000 $ 96,000
Portsmouth, Virginia 2 $ 223,000 $ 111,500 $ 37,000
Spotsylvania, Virginia 2 $ 373,000 $ 186,500 $ 104,000
Suffolk, Virginia 2 $ 568,000 $ 284,000 $ 45,000
Winchester, Virginia 2 $ 382,000 $ 191,000 $ 94,000
Spokane, Washington 2 $ 305,000 $ 152,500 $ 110,000
Whatcom, Washington 2 $ 453,000 $ 226,500 $ 81,000
Yakima, Washington 2 $ 182,000 $ 91,000 $ 57,000
Escambia, Alabama 1 $ 80,000 $ 80,000 $ 22,000
Etowah, Alabama 1 $ 88,000 $ 88,000 $ 99,000
Houston, Alabama 1 $ 59,000 $ 59,000 $ 52,000
Marshall, Alabama 1 $ 306,000 $ 306,000 $ 97,000
Mobile, Alabama 1 $ 35,000 $ 35,000 $ 24,000
Montgomery, Alabama 1 $ 59,000 $ 59,000 $ 81,000
Russell, Alabama 1 $ 116,000 $ 116,000 $ 54,000
Shelby, Alabama 1 $ 75,000 $ 75,000 $ 21,000
Matanuska-Susitna, Alaska 1 $ 78,000 $ 78,000 $ 0
Apache, Arizona 1 $ 115,000 $ 115,000 $ 37,000
Coconino, Arizona 1 $ 173,000 $ 173,000 $ 39,000
Navajo, Arizona 1 $ 75,000 $ 75,000 $ 32,000
Boone, Arkansas 1 $ 51,000 $ 51,000 $ 49,000
Drew, Arkansas 1 $ 275,000 $ 275,000 $ 168,000
Faulkner, Arkansas 1 $ 189,000 $ 189,000 $ 98,000
Garland, Arkansas 1 $ 86,000 $ 86,000 $ 0
Izard, Arkansas 1 $ 131,000 $ 131,000 $ 45,000
Lonoke, Arkansas 1 $ 155,000 $ 155,000 $ 94,000
Polk, Arkansas 1 $ 125,000 $ 125,000 $ 35,000
Sevier, Arkansas 1 $ 96,000 $ 96,000 $ 52,000
Yell, Arkansas 1 $ 63,000 $ 63,000 $ 38,000
Amador, California 1 $ 125,000 $ 125,000 $ 55,000
Calaveras, California 1 $ 225,000 $ 225,000 $ 50,000
Imperial, California 1 $ 92,000 $ 92,000 $ 26,000
Kings, California 1 $ 56,000 $ 56,000 $ 21,000
Lake, California 1 $ 132,000 $ 132,000 $ 48,000
Marin, California 1 $ 300,000 $ 300,000 $ 72,000
Napa, California 1 $ 436,000 $ 436,000 $ 83,000
Nevada, California 1 $ 346,000 $ 346,000 $ 150,000
Plumas, California 1 $ 70,000 $ 70,000 $ 52,000
Archuleta, Colorado 1 $ 124,000 $ 124,000 $ 49,000
Boulder, Colorado 1 $ 166,000 $ 166,000 $ 43,000
Douglas, Colorado 1 $ 88,000 $ 88,000 $ 71,000
La Plata, Colorado 1 $ 97,000 $ 97,000 $ 58,000
Las Animas, Colorado 1 $ 91,000 $ 91,000 $ 88,000
Mesa, Colorado 1 $ 63,000 $ 63,000 $ 44,000
Routt, Colorado 1 $ 325,000 $ 325,000 $ 1,000
San Miguel, Colorado 1 $ 210,000 $ 210,000 $ 0
Bay, Florida 1 $ 50,000 $ 50,000 $ 33,000
Flagler, Florida 1 $ 98,000 $ 98,000 $ 38,000
Hernando, Florida 1 $ 63,000 $ 63,000 $ 22,000
Monroe, Florida 1 $ 215,000 $ 215,000 $ 101,000
Putnam, Florida 1 $ 42,000 $ 42,000 $ 15,000
Santa Rosa, Florida 1 $ 121,000 $ 121,000 $ 61,000
Bacon, Georgia 1 $ 87,000 $ 87,000 $ 25,000
Bibb, Georgia 1 $ 65,000 $ 65,000 $ 20,000
Brantley, Georgia 1 $ 83,000 $ 83,000 $ 58,000
Camden, Georgia 1 $ 85,000 $ 85,000 $ 78,000
Carroll, Georgia 1 $ 74,000 $ 74,000 $ 23,000
Clarke, Georgia 1 $ 172,000 $ 172,000 $ 3,000
Douglas, Georgia 1 $ 176,000 $ 176,000 $ 52,000
Effingham, Georgia 1 $ 133,000 $ 133,000 $ 48,000
Fayette, Georgia 1 $ 198,000 $ 198,000 $ 102,000
Lee, Georgia 1 $ 50,000 $ 50,000 $ 49,000
Muscogee, Georgia 1 $ 264,000 $ 264,000 $ 105,000
Paulding, Georgia 1 $ 166,000 $ 166,000 $ 526,000
Richmond, Georgia 1 $ 77,000 $ 77,000 $ 46,000
Spalding, Georgia 1 $ 50,000 $ 50,000 $ 36,000
Stephens, Georgia 1 $ 352,000 $ 352,000 $ 75,000
Tattnall, Georgia 1 $ 72,000 $ 72,000 $ 45,000
Walker, Georgia 1 $ 78,000 $ 78,000 $ 36,000
Wayne, Georgia 1 $ 100,000 $ 100,000 $ 42,000
Whitfield, Georgia 1 $ 129,000 $ 129,000 $ 137,000
Canyon, Idaho 1 $ 96,000 $ 96,000 $ 29,000
Twin Falls, Idaho 1 $ 57,000 $ 57,000 $ 71,000
Washington, Idaho 1 $ 162,000 $ 162,000 $ 58,000
Champaign, Illinois 1 $ 71,000 $ 71,000 $ 31,000
Fulton, Illinois 1 $ 59,000 $ 59,000 $ 103,000
Henry, Illinois 1 $ 60,000 $ 60,000 $ 24,000
Jefferson, Illinois 1 $ 60,000 $ 60,000 $ 30,000
Kane, Illinois 1 $ 500,000 $ 500,000 $ 360,000
Lee, Illinois 1 $ 156,000 $ 156,000 $ 40,000
St. Clair, Illinois 1 $ 86,000 $ 86,000 $ 45,000
Vermilion, Illinois 1 $ 59,000 $ 59,000 $ 28,000
Boone, Indiana 1 $ 98,000 $ 98,000 $ 61,000
Cass, Indiana 1 $ 76,000 $ 76,000 $ 41,000
Hamilton, Indiana 1 $ 72,000 $ 72,000 $ 57,000
Hancock, Indiana 1 $ 142,000 $ 142,000 $ 42,000
Howard, Indiana 1 $ 76,000 $ 76,000 $ 76,000
Jay, Indiana 1 $ 106,000 $ 106,000 $ 77,000
Lawrence, Indiana 1 $ 54,000 $ 54,000 $ 86,000
Miami, Indiana 1 $ 45,000 $ 45,000 $ 19,000
Perry, Indiana 1 $ 85,000 $ 85,000 $ 48,000
Ripley, Indiana 1 $ 90,000 $ 90,000 $ 21,000
Scott, Indiana 1 $ 113,000 $ 113,000 $ 47,000
St. Joseph, Indiana 1 $ 126,000 $ 126,000 $ 102,000
Steuben, Indiana 1 $ 71,000 $ 71,000 $ 44,000
Vigo, Indiana 1 $ 83,000 $ 83,000 $ 65,000
Des Moines, Iowa 1 $ 37,000 $ 37,000 $ 27,000
Madison, Iowa 1 $ 85,000 $ 85,000 $ 85,000
Warren, Iowa 1 $ 72,000 $ 72,000 $ 39,000
Douglas, Kansas 1 $ 93,000 $ 93,000 $ 50,000
Franklin, Kansas 1 $ 41,000 $ 41,000 $ 9,000
Leavenworth, Kansas 1 $ 104,000 $ 104,000 $ 50,000
McPherson, Kansas 1 $ 46,000 $ 46,000 $ 36,000
Miami, Kansas 1 $ 71,000 $ 71,000 $ 17,000
Montgomery, Kansas 1 $ 108,000 $ 108,000 $ 120,000
Morris, Kansas 1 $ 83,000 $ 83,000 $ 64,000
Saline, Kansas 1 $ 64,000 $ 64,000 $ 72,000
Shawnee, Kansas 1 $ 161,000 $ 161,000 $ 107,000
Wyandotte, Kansas 1 $ 81,000 $ 81,000 $ 92,000
Bullitt, Kentucky 1 $ 91,000 $ 91,000 $ 87,000
Daviess, Kentucky 1 $ 60,000 $ 60,000 $ 64,000
Hardin, Kentucky 1 $ 245,000 $ 245,000 $ 117,000
Johnson, Kentucky 1 $ 62,000 $ 62,000 $ 72,000
Kenton, Kentucky 1 $ 70,000 $ 70,000 $ 28,000
Meade, Kentucky 1 $ 99,000 $ 99,000 $ 29,000
Lincoln, Louisiana 1 $ 81,000 $ 81,000 $ 41,000
Ouachita, Louisiana 1 $ 75,000 $ 75,000 $ 60,000
St. Martin, Louisiana 1 $ 68,000 $ 68,000 $ 37,000
Cumberland, Maine 1 $ 130,000 $ 130,000 $ 36,000
York, Maine 1 $ 223,000 $ 223,000 $ 108,000
Allegany, Maryland 1 $ 104,000 $ 104,000 $ 56,000
Calvert, Maryland 1 $ 152,000 $ 152,000 $ 64,000
Cecil, Maryland 1 $ 220,000 $ 220,000 $ 83,000
Charles, Maryland 1 $ 192,000 $ 192,000 $ 36,000
Frederick, Maryland 1 $ 130,000 $ 130,000 $ 35,000
Wicomico, Maryland 1 $ 80,000 $ 80,000 $ 31,000
Allegan, Michigan 1 $ 176,000 $ 176,000 $ 83,000
Arenac, Michigan 1 $ 144,000 $ 144,000 $ 120,000
Calhoun, Michigan 1 $ 25,000 $ 25,000 $ 52,000
Ionia, Michigan 1 $ 76,000 $ 76,000 $ 21,000
Iosco, Michigan 1 $ 61,000 $ 61,000 $ 25,000
Jackson, Michigan 1 $ 108,000 $ 108,000 $ 0
Kalamazoo, Michigan 1 $ 127,000 $ 127,000 $ 28,000
Kalkaska, Michigan 1 $ 128,000 $ 128,000 $ 84,000
Livingston, Michigan 1 $ 201,000 $ 201,000 $ 108,000
Mason, Michigan 1 $ 76,000 $ 76,000 $ 31,000
Missaukee, Michigan 1 $ 73,000 $ 73,000 $ 36,000
Montcalm, Michigan 1 $ 428,000 $ 428,000 $ 264,000
Muskegon, Michigan 1 $ 38,000 $ 38,000 $ 20,000
Ottawa, Michigan 1 $ 266,000 $ 266,000 $ 105,000
Shiawassee, Michigan 1 $ 113,000 $ 113,000 $ 88,000
Anoka, Minnesota 1 $ 46,000 $ 46,000 $ 20,000
Dakota, Minnesota 1 $ 276,000 $ 276,000 $ 62,000
Houston, Minnesota 1 $ 139,000 $ 139,000 $ 50,000
Isanti, Minnesota 1 $ 473,000 $ 473,000 $ 0
Polk, Minnesota 1 $ 78,000 $ 78,000 $ 9,000
Sherburne, Minnesota 1 $ 124,000 $ 124,000 $ 46,000
Stearns, Minnesota 1 $ 132,000 $ 132,000 $ 53,000
Washington, Minnesota 1 $ 297,000 $ 297,000 $ 120,000
Attala, Mississippi 1 $ 82,000 $ 82,000 $ 48,000
Benton, Mississippi 1 $ 68,000 $ 68,000 $ 24,000
Hinds, Mississippi 1 $ 114,000 $ 114,000 $ 75,000
Itawamba, Mississippi 1 $ 74,000 $ 74,000 $ 71,000
Jones, Mississippi 1 $ 81,000 $ 81,000 $ 35,000
Lamar, Mississippi 1 $ 63,000 $ 63,000 $ 30,000
Monroe, Mississippi 1 $ 44,000 $ 44,000 $ 56,000
Rankin, Mississippi 1 $ 80,000 $ 80,000 $ 0
Tallahatchie, Mississippi 1 $ 45,000 $ 45,000 $ 22,000
Tate, Mississippi 1 $ 94,000 $ 94,000 $ 114,000
Henry, Missouri 1 $ 96,000 $ 96,000 $ 45,000
Jasper, Missouri 1 $ 80,000 $ 80,000 $ 52,000
Montgomery, Missouri 1 $ 61,000 $ 61,000 $ 50,000
Randolph, Missouri 1 $ 51,000 $ 51,000 $ 39,000
St. Francois, Missouri 1 $ 77,000 $ 77,000 $ 15,000
Ste. Genevieve, Missouri 1 $ 97,000 $ 97,000 $ 46,000
Cascade, Montana 1 $ 56,000 $ 56,000 $ 23,000
Lincoln, Montana 1 $ 96,000 $ 96,000 $ 52,000
Nye, Nevada 1 $ 172,000 $ 172,000 $ 84,000
Belknap, New Hampshire 1 $ 195,000 $ 195,000 $ 50,000
Cheshire, New Hampshire 1 $ 167,000 $ 167,000 $ 54,000
Grafton, New Hampshire 1 $ 94,000 $ 94,000 $ 57,000
Strafford, New Hampshire 1 $ 164,000 $ 164,000 $ 49,000
Atlantic, New Jersey 1 $ 71,000 $ 71,000 $ 29,000
Cape May, New Jersey 1 $ 70,000 $ 70,000 $ 25,000
Hunterdon, New Jersey 1 $ 61,000 $ 61,000 $ 30,000
Warren, New Jersey 1 $ 288,000 $ 288,000 $ 0
Hidalgo, New Mexico 1 $ 106,000 $ 106,000 $ 0
Santa Fe, New Mexico 1 $ 1,000 $ 1,000 $ 0
Valencia, New Mexico 1 $ 65,000 $ 65,000 $ 38,000
Cortland, New York 1 $ 64,000 $ 64,000 $ 19,000
Greene, New York 1 $ 311,000 $ 311,000 $ 300,000
Monroe, New York 1 $ 122,000 $ 122,000 $ 48,000
New York, New York 1 $ 636,000 $ 636,000 $ 122,000
Otsego, New York 1 $ 82,000 $ 82,000 $ 40,000
Alexander, North Carolina 1 $ 191,000 $ 191,000 $ 49,000
Buncombe, North Carolina 1 $ 129,000 $ 129,000 $ 81,000
Burke, North Carolina 1 $ 85,000 $ 85,000 $ 60,000
Dare, North Carolina 1 $ 74,000 $ 74,000 $ 0
Halifax, North Carolina 1 $ 67,000 $ 67,000 $ 54,000
Lincoln, North Carolina 1 $ 43,000 $ 43,000 $ 25,000
Moore, North Carolina 1 $ 149,000 $ 149,000 $ 63,000
Rockingham, North Carolina 1 $ 64,000 $ 64,000 $ 13,000
Rowan, North Carolina 1 $ 95,000 $ 95,000 $ 60,000
Union, North Carolina 1 $ 157,000 $ 157,000 $ 65,000
Wayne, North Carolina 1 $ 66,000 $ 66,000 $ 30,000
Adams, Ohio 1 $ 72,000 $ 72,000 $ 26,000
Auglaize, Ohio 1 $ 129,000 $ 129,000 $ 51,000
Belmont, Ohio 1 $ 75,000 $ 75,000 $ 58,000
Clark, Ohio 1 $ 52,000 $ 52,000 $ 68,000
Clermont, Ohio 1 $ 76,000 $ 76,000 $ 51,000
Darke, Ohio 1 $ 62,000 $ 62,000 $ 0
Defiance, Ohio 1 $ 63,000 $ 63,000 $ 22,000
Delaware, Ohio 1 $ 218,000 $ 218,000 $ 90,000
Lorain, Ohio 1 $ 106,000 $ 106,000 $ 74,000
Mahoning, Ohio 1 $ 58,000 $ 58,000 $ 116,000
Medina, Ohio 1 $ 116,000 $ 116,000 $ 72,000
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Mortgage Loan Application Detail Totals for Ocwen Federal Bank FSB in 2004

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 2,302 $401,661,000 $141,920 $1,040,000 $55,040 $4,160,000
Home Improvement 44 $6,591,000 $144,900 $300,000 $59,000 $192,000
Home Purchase 22 $3,173,000 $133,066 $468,000 $68,933 $240,000

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 1,219 $209,811,000 $146,625 $840,000 $59,416 $4,160,000
Black or African American 514 $78,410,000 $136,766 $800,000 $54,266 $1,349,000
Hispanic 347 $64,271,000 $147,000 $1,040,000 $52,705 $360,000
Not Provided 168 $31,877,000 $148,823 $600,000 $54,235 $441,000
Asian 71 $17,144,000 $196,083 $600,000 $80,041 $600,000
American Indian or Alaskan Native 30 $4,493,000 $144,000 $360,000 $56,125 $138,000
Native Hawaiian or Other Pacific Islander 19 $5,419,000 $211,375 $999,000 $40,625 $348,000
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) 2,368 $411,425,000 $141,860 $1,040,000 $55,060 $4,160,000
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
Loan Originated 817 $145,942,000 $148,400 $1,040,000 $58,822 $1,349,000
Application Withdrawn By Applicant 796 $140,086,000 $137,319 $825,000 $54,191 $600,000
Application Denied By Financial Institution 513 $80,633,000 $141,977 $675,000 $58,800 $4,160,000
Application Approved But Not Accepted 125 $23,630,000 $153,968 $517,000 $56,406 $360,000
File Closed For Incompleteness 117 $21,134,000 $142,843 $999,000 $47,312 $1,200,000
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 223 $34,957,000 $136,076 $577,000 $59,974 $4,160,000
Collateral 138 $18,094,000 $130,970 $638,000 $63,029 $300,000
Other 50 $9,183,000 $161,136 $600,000 $53,227 $160,000
Credit History 44 $6,954,000 $128,750 $430,000 $49,350 $152,000
Debt-To-Income Ratio 43 $9,080,000 $183,052 $675,000 $45,736 $109,000
Unverifiable Information 13 $2,098,000 $132,100 $500,000 $73,200 $210,000
Employment History 1 $131,000 $131,000 $131,000 $34,000 $34,000
Insufficient Cash (Downpayment, Closing Cost) 1 $136,000 $136,000 $136,000 $27,000 $27,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Ocwen Federal Bank FSB's 2004 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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