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(HMDA) records Ocwen Federal Bank FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 140 | $ 35,195,000 | $ 251,392 | $ 94,000 |
| Riverside-San Bernardino-Ontario, CA | 115 | $ 23,619,000 | $ 205,382 | $ 68,000 |
| Chicago-Naperville-Joliet, IL | 99 | $ 17,290,000 | $ 174,646 | $ 74,000 |
| New York-Wayne-White Plains, NY-NJ | 69 | $ 18,995,000 | $ 275,289 | $ 68,000 |
| Miami-Miami Beach-Kendall, FL | 51 | $ 7,181,000 | $ 140,803 | $ 58,000 |
| Atlanta-Sandy Springs-Marietta, GA | 49 | $ 8,851,000 | $ 180,632 | $ 82,000 |
| Oakland-Fremont-Hayward, CA | 47 | $ 13,690,000 | $ 291,276 | $ 82,000 |
| Houston-Baytown-Sugar Land, TX | 42 | $ 4,091,000 | $ 97,404 | $ 71,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 41 | $ 6,616,000 | $ 161,365 | $ 62,000 |
| Tampa-St. Petersburg-Clearwater, FL | 41 | $ 5,500,000 | $ 134,146 | $ 44,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 40 | $ 9,119,000 | $ 227,975 | $ 64,000 |
| San Diego-Carlsbad-San Marcos, CA | 39 | $ 10,520,000 | $ 269,743 | $ 70,000 |
| Baltimore-Towson, MD | 37 | $ 5,241,000 | $ 141,648 | $ 82,000 |
| Philadelphia, PA | 37 | $ 4,584,000 | $ 123,891 | $ 53,000 |
| Phoenix-Mesa-Scottsdale, AZ | 37 | $ 5,267,000 | $ 142,351 | $ 53,000 |
| Santa Ana-Anaheim-Irvine, CA | 35 | $ 10,819,000 | $ 309,114 | $ 84,000 |
| Detroit-Livonia-Dearborn, MI | 34 | $ 3,213,000 | $ 94,500 | $ 40,000 |
| Las Vegas-Paradise, NV | 31 | $ 5,683,000 | $ 183,322 | $ 49,000 |
| Nassau-Suffolk, NY | 29 | $ 7,481,000 | $ 257,965 | $ 82,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 28 | $ 4,533,000 | $ 161,892 | $ 94,000 |
| Edison, NJ | 24 | $ 6,125,000 | $ 255,208 | $ 86,000 |
| Denver-Aurora, CO | 22 | $ 4,443,000 | $ 201,954 | $ 59,000 |
| Orlando, FL | 22 | $ 2,531,000 | $ 115,045 | $ 56,000 |
| Newark-Union, NJ-PA | 20 | $ 3,273,000 | $ 163,650 | $ 58,000 |
| Warren-Farmington Hills-Troy, MI | 20 | $ 3,115,000 | $ 155,750 | $ 67,000 |
| Bakersfield, CA | 19 | $ 2,442,000 | $ 128,526 | $ 47,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 19 | $ 6,784,000 | $ 357,052 | $ 65,000 |
| Camden, NJ | 18 | $ 1,923,000 | $ 106,833 | $ 71,000 |
| Dallas-Plano-Irving, TX | 18 | $ 2,626,000 | $ 145,888 | $ 70,000 |
| Portland-Vancouver-Beaverton, OR-WA | 16 | $ 2,683,000 | $ 167,687 | $ 45,000 |
| Austin-Round Rock, TX | 15 | $ 2,195,000 | $ 146,333 | $ 39,000 |
| New Orleans-Metairie-Kenner, LA | 15 | $ 2,049,000 | $ 136,600 | $ 67,000 |
| St. Louis, MO-IL | 15 | $ 1,566,000 | $ 104,400 | $ 66,000 |
| Stockton, CA | 15 | $ 3,715,000 | $ 247,666 | $ 71,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 15 | $ 2,322,000 | $ 154,800 | $ 51,000 |
| Seattle-Bellevue-Everett, WA | 14 | $ 2,760,000 | $ 197,142 | $ 78,000 |
| Fort Worth-Arlington, TX | 13 | $ 1,473,000 | $ 113,307 | $ 51,000 |
| Fresno, CA | 13 | $ 1,798,000 | $ 138,307 | $ 45,000 |
| Tulsa, OK | 13 | $ 1,411,000 | $ 108,538 | $ 47,000 |
| Columbus, OH | 12 | $ 1,353,000 | $ 112,750 | $ 64,000 |
| Hartford-West Hartford-East Hartford, CT | 12 | $ 1,519,000 | $ 126,583 | $ 46,000 |
| Kansas City, MO-KS | 12 | $ 1,047,000 | $ 87,250 | $ 43,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 12 | $ 2,092,000 | $ 174,333 | $ 34,000 |
| Nashville-Davidson--Murfreesboro, TN | 12 | $ 1,549,000 | $ 129,083 | $ 46,000 |
| Boston-Quincy, MA | 11 | $ 3,567,000 | $ 324,272 | $ 74,000 |
| Charlotte-Gastonia-Concord, NC-SC | 10 | $ 1,003,000 | $ 100,300 | $ 38,000 |
| Jacksonville, FL | 10 | $ 1,404,000 | $ 140,400 | $ 55,000 |
| Modesto, CA | 10 | $ 1,854,000 | $ 185,400 | $ 69,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 10 | $ 3,263,000 | $ 326,300 | $ 80,000 |
| Pittsburgh, PA | 10 | $ 837,000 | $ 83,700 | $ 53,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 10 | $ 1,767,000 | $ 176,700 | $ 57,000 |
| Salinas, CA | 10 | $ 4,044,000 | $ 404,400 | $ 69,000 |
| Tacoma, WA | 10 | $ 1,960,000 | $ 196,000 | $ 72,000 |
| Albuquerque, NM | 9 | $ 939,000 | $ 104,333 | $ 34,000 |
| Cleveland-Elyria-Mentor, OH | 9 | $ 884,000 | $ 98,222 | $ 44,000 |
| Colorado Springs, CO | 9 | $ 1,426,000 | $ 158,444 | $ 71,000 |
| Lake County-Kenosha County, IL-WI | 9 | $ 1,602,000 | $ 178,000 | $ 41,000 |
| Memphis, TN-MS-AR | 9 | $ 1,385,000 | $ 153,888 | $ 98,000 |
| Oklahoma City, OK | 9 | $ 898,000 | $ 99,777 | $ 70,000 |
| Sarasota-Bradenton-Venice, FL | 9 | $ 1,762,000 | $ 195,777 | $ 55,000 |
| Tucson, AZ | 9 | $ 888,000 | $ 98,666 | $ 44,000 |
| San Antonio, TX | 8 | $ 569,000 | $ 71,125 | $ 36,000 |
| San Francisco-San Mateo-Redwood City, CA | 8 | $ 2,730,000 | $ 341,250 | $ 49,000 |
| Worcester, MA | 8 | $ 1,398,000 | $ 174,750 | $ 109,000 |
| Bridgeport-Stamford-Norwalk, CT | 7 | $ 1,647,000 | $ 235,285 | $ 64,000 |
| Columbia, SC | 7 | $ 621,000 | $ 88,714 | $ 28,000 |
| El Paso, TX | 7 | $ 432,000 | $ 61,714 | $ 51,000 |
| Gary, IN | 7 | $ 848,000 | $ 121,142 | $ 60,000 |
| Grand Rapids-Wyoming, MI | 7 | $ 544,000 | $ 77,714 | $ 30,000 |
| Honolulu, HI | 7 | $ 1,873,000 | $ 267,571 | $ 43,000 |
| Indianapolis, IN | 7 | $ 628,000 | $ 89,714 | $ 42,000 |
| McAllen-Edinburg-Pharr, TX | 7 | $ 633,000 | $ 90,428 | $ 43,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 869,000 | $ 124,142 | $ 47,000 |
| Providence-New Bedford-Fall River, RI-MA | 7 | $ 1,056,000 | $ 150,857 | $ 41,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 610,000 | $ 101,666 | $ 57,000 |
| Bethesda-Frederick-Gaithersburg, MD | 6 | $ 1,999,000 | $ 333,166 | $ 53,000 |
| Des Moines, IA | 6 | $ 792,000 | $ 132,000 | $ 78,000 |
| Evansville, IN-KY | 6 | $ 707,000 | $ 117,833 | $ 66,000 |
| New Haven-Milford, CT | 6 | $ 1,077,000 | $ 179,500 | $ 63,000 |
| Rockingham County-Strafford County, NH | 6 | $ 880,000 | $ 146,666 | $ 81,000 |
| Salt Lake City, UT | 6 | $ 798,000 | $ 133,000 | $ 56,000 |
| Vallejo-Fairfield, CA | 6 | $ 1,509,000 | $ 251,500 | $ 53,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 1,564,000 | $ 260,666 | $ 99,000 |
| Boise City-Nampa, ID | 5 | $ 587,000 | $ 117,400 | $ 51,000 |
| Cambridge-Newton-Framingham, MA | 5 | $ 852,000 | $ 170,400 | $ 70,000 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 331,000 | $ 66,200 | $ 40,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 396,000 | $ 79,200 | $ 42,000 |
| Port St. Lucie-Fort Pierce, FL | 5 | $ 482,000 | $ 96,400 | $ 33,000 |
| Raleigh-Cary, NC | 5 | $ 670,000 | $ 134,000 | $ 59,000 |
| Reno-Sparks, NV | 5 | $ 1,098,000 | $ 219,600 | $ 71,000 |
| San Luis Obispo-Paso Robles, CA | 5 | $ 2,143,000 | $ 428,600 | $ 129,000 |
| Baton Rouge, LA | 4 | $ 288,000 | $ 72,000 | $ 39,000 |
| Buffalo-Niagara Falls, NY | 4 | $ 356,000 | $ 89,000 | $ 41,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 640,000 | $ 160,000 | $ 41,000 |
| Chico, CA | 4 | $ 558,000 | $ 139,500 | $ 52,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 900,000 | $ 225,000 | $ 70,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 294,000 | $ 73,500 | $ 45,000 |
| Essex County, MA | 4 | $ 826,000 | $ 206,500 | $ 66,000 |
| Little Rock-North Little Rock, AR | 4 | $ 593,000 | $ 148,250 | $ 55,000 |
| Merced, CA | 4 | $ 691,000 | $ 172,750 | $ 49,000 |
| Naples-Marco Island, FL | 4 | $ 675,000 | $ 168,750 | $ 45,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 550,000 | $ 183,333 | $ 76,000 |
| Birmingham-Hoover, AL | 3 | $ 335,000 | $ 111,666 | $ 51,000 |
| Carson City, NV | 3 | $ 546,000 | $ 182,000 | $ 66,000 |
| Chattanooga, TN-GA | 3 | $ 280,000 | $ 93,333 | $ 54,000 |
| Eugene-Springfield, OR | 3 | $ 379,000 | $ 126,333 | $ 51,000 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 371,000 | $ 123,666 | $ 49,000 |
| Fort Wayne, IN | 3 | $ 208,000 | $ 69,333 | $ 24,000 |
| Greensboro-High Point, NC | 3 | $ 492,000 | $ 164,000 | $ 31,000 |
| Kingston, NY | 3 | $ 302,000 | $ 100,666 | $ 57,000 |
| Knoxville, TN | 3 | $ 277,000 | $ 92,333 | $ 91,000 |
| Manchester-Nashua, NH | 3 | $ 618,000 | $ 206,000 | $ 100,000 |
| Norwich-New London, CT | 3 | $ 526,000 | $ 175,333 | $ 51,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 290,000 | $ 96,666 | $ 40,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 324,000 | $ 108,000 | $ 31,000 |
| Pueblo, CO | 3 | $ 344,000 | $ 114,666 | $ 42,000 |
| Reading, PA | 3 | $ 345,000 | $ 115,000 | $ 43,000 |
| Richmond, VA | 3 | $ 278,000 | $ 92,666 | $ 20,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 3 | $ 1,297,000 | $ 432,333 | $ 84,000 |
| Savannah, GA | 3 | $ 276,000 | $ 92,000 | $ 32,000 |
| Springfield, MA | 3 | $ 320,000 | $ 106,666 | $ 40,000 |
| Toledo, OH | 3 | $ 285,000 | $ 95,000 | $ 53,000 |
| Wilmington, DE-MD-NJ | 3 | $ 431,000 | $ 143,666 | $ 40,000 |
| Ann Arbor, MI | 2 | $ 574,000 | $ 287,000 | $ 95,000 |
| Barnstable Town, MA | 2 | $ 249,000 | $ 124,500 | $ 56,000 |
| Beaumont-Port Arthur, TX | 2 | $ 179,000 | $ 89,500 | $ 50,000 |
| Bellingham, WA | 2 | $ 453,000 | $ 226,500 | $ 81,000 |
| Bend, OR | 2 | $ 197,000 | $ 98,500 | $ 11,000 |
| Burlington-South Burlington, VT | 2 | $ 572,000 | $ 286,000 | $ 114,000 |
| Canton-Massillon, OH | 2 | $ 321,000 | $ 160,500 | $ 39,000 |
| Charleston-North Charleston, SC | 2 | $ 194,000 | $ 97,000 | $ 58,000 |
| Charlottesville, VA | 2 | $ 372,000 | $ 186,000 | $ 91,000 |
| Dayton, OH | 2 | $ 254,000 | $ 127,000 | $ 48,000 |
| Durham, NC | 2 | $ 148,000 | $ 74,000 | $ 51,000 |
| Fayetteville, NC | 2 | $ 228,000 | $ 114,000 | $ 44,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 276,000 | $ 138,000 | $ 91,000 |
| Flint, MI | 2 | $ 94,000 | $ 47,000 | $ 23,000 |
| Gainesville, FL | 2 | $ 139,000 | $ 69,500 | $ 34,000 |
| Harrisburg-Carlisle, PA | 2 | $ 219,000 | $ 109,500 | $ 55,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 276,000 | $ 138,000 | $ 54,000 |
| Jackson, MS | 2 | $ 194,000 | $ 97,000 | $ 37,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 131,000 | $ 65,500 | $ 40,000 |
| Lake Charles, LA | 2 | $ 194,000 | $ 97,000 | $ 47,000 |
| Lakeland, FL | 2 | $ 313,000 | $ 156,500 | $ 86,000 |
| Lawton, OK | 2 | $ 131,000 | $ 65,500 | $ 33,000 |
| Lewiston-Auburn, ME | 2 | $ 158,000 | $ 79,000 | $ 27,000 |
| Louisville, KY-IN | 2 | $ 190,000 | $ 95,000 | $ 58,000 |
| Lynchburg, VA | 2 | $ 240,000 | $ 120,000 | $ 96,000 |
| Monroe, MI | 2 | $ 230,000 | $ 115,000 | $ 63,000 |
| Niles-Benton Harbor, MI | 2 | $ 317,000 | $ 158,500 | $ 52,000 |
| Ocala, FL | 2 | $ 435,000 | $ 217,500 | $ 187,000 |
| Peoria, IL | 2 | $ 261,000 | $ 130,500 | $ 60,000 |
| Portland-South Portland-Biddeford, ME | 2 | $ 353,000 | $ 176,500 | $ 72,000 |
| Prescott, AZ | 2 | $ 152,000 | $ 76,000 | $ 43,000 |
| Punta Gorda, FL | 2 | $ 261,000 | $ 130,500 | $ 90,000 |
| Redding, CA | 2 | $ 207,000 | $ 103,500 | $ 32,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 503,000 | $ 251,500 | $ 74,000 |
| Spokane, WA | 2 | $ 305,000 | $ 152,500 | $ 110,000 |
| Syracuse, NY | 2 | $ 126,000 | $ 63,000 | $ 81,000 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 172,000 | $ 86,000 | $ 82,000 |
| Warner Robins, GA | 2 | $ 182,000 | $ 91,000 | $ 52,000 |
| Wichita, KS | 2 | $ 208,000 | $ 104,000 | $ 35,000 |
| Williamsport, PA | 2 | $ 146,000 | $ 73,000 | $ 39,000 |
| Winchester, VA-WV | 2 | $ 382,000 | $ 191,000 | $ 94,000 |
| Yakima, WA | 2 | $ 182,000 | $ 91,000 | $ 57,000 |
| York-Hanover, PA | 2 | $ 131,000 | $ 65,500 | $ 47,000 |
| Yuba City, CA | 2 | $ 157,000 | $ 78,500 | $ 45,000 |
| Yuma, AZ | 2 | $ 146,000 | $ 73,000 | $ 38,000 |
| Abilene, TX | 1 | $ 43,000 | $ 43,000 | $ 26,000 |
| Akron, OH | 1 | $ 116,000 | $ 116,000 | $ 42,000 |
| Albany, GA | 1 | $ 50,000 | $ 50,000 | $ 49,000 |
| Amarillo, TX | 1 | $ 80,000 | $ 80,000 | $ 53,000 |
| Anchorage, AK | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Asheville, NC | 1 | $ 129,000 | $ 129,000 | $ 81,000 |
| Athens-Clarke County, GA | 1 | $ 172,000 | $ 172,000 | $ 3,000 |
| Atlantic City, NJ | 1 | $ 71,000 | $ 71,000 | $ 29,000 |
| Battle Creek, MI | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Boulder, CO | 1 | $ 166,000 | $ 166,000 | $ 43,000 |
| Bremerton-Silverdale, WA | 1 | $ 192,000 | $ 192,000 | $ 57,000 |
| Brownsville-Harlingen, TX | 1 | $ 66,000 | $ 66,000 | $ 171,000 |
| Brunswick, GA | 1 | $ 83,000 | $ 83,000 | $ 58,000 |
| Casper, WY | 1 | $ 57,000 | $ 57,000 | $ 60,000 |
| Champaign-Urbana, IL | 1 | $ 71,000 | $ 71,000 | $ 31,000 |
| Cheyenne, WY | 1 | $ 134,000 | $ 134,000 | $ 90,000 |
| Clarksville, TN-KY | 1 | $ 136,000 | $ 136,000 | $ 56,000 |
| Cleveland, TN | 1 | $ 53,000 | $ 53,000 | $ 100,000 |
| Columbus, GA-AL | 1 | $ 264,000 | $ 264,000 | $ 105,000 |
| Cumberland, MD-WV | 1 | $ 104,000 | $ 104,000 | $ 56,000 |
| Dalton, GA | 1 | $ 129,000 | $ 129,000 | $ 137,000 |
| Danville, IL | 1 | $ 59,000 | $ 59,000 | $ 28,000 |
| Dothan, AL | 1 | $ 59,000 | $ 59,000 | $ 52,000 |
| El Centro, CA | 1 | $ 92,000 | $ 92,000 | $ 26,000 |
| Elizabethtown, KY | 1 | $ 245,000 | $ 245,000 | $ 117,000 |
| Erie, PA | 1 | $ 99,000 | $ 99,000 | $ 59,000 |
| Flagstaff, AZ | 1 | $ 173,000 | $ 173,000 | $ 39,000 |
| Florence, SC | 1 | $ 148,000 | $ 148,000 | $ 85,000 |
| Gadsden, AL | 1 | $ 88,000 | $ 88,000 | $ 99,000 |
| Goldsboro, NC | 1 | $ 66,000 | $ 66,000 | $ 30,000 |
| Grand Junction, CO | 1 | $ 63,000 | $ 63,000 | $ 44,000 |
| Great Falls, MT | 1 | $ 56,000 | $ 56,000 | $ 23,000 |
| Hanford-Corcoran, CA | 1 | $ 56,000 | $ 56,000 | $ 21,000 |
| Harrisonburg, VA | 1 | $ 112,000 | $ 112,000 | $ 26,000 |
| Hattiesburg, MS | 1 | $ 63,000 | $ 63,000 | $ 30,000 |
| Holland-Grand Haven, MI | 1 | $ 266,000 | $ 266,000 | $ 105,000 |
| Hot Springs, AR | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Jackson, MI | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Joplin, MO | 1 | $ 80,000 | $ 80,000 | $ 52,000 |
| Kalamazoo-Portage, MI | 1 | $ 127,000 | $ 127,000 | $ 28,000 |
| Kokomo, IN | 1 | $ 76,000 | $ 76,000 | $ 76,000 |
| Lafayette, LA | 1 | $ 68,000 | $ 68,000 | $ 37,000 |
| Laredo, TX | 1 | $ 51,000 | $ 51,000 | $ 18,000 |
| Lawrence, KS | 1 | $ 93,000 | $ 93,000 | $ 50,000 |
| Lubbock, TX | 1 | $ 50,000 | $ 50,000 | $ 62,000 |
| Macon, GA | 1 | $ 65,000 | $ 65,000 | $ 20,000 |
| Mobile, AL | 1 | $ 35,000 | $ 35,000 | $ 24,000 |
| Monroe, LA | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Montgomery, AL | 1 | $ 59,000 | $ 59,000 | $ 81,000 |
| Morgantown, WV | 1 | $ 93,000 | $ 93,000 | $ 68,000 |
| Morristown, TN | 1 | $ 92,000 | $ 92,000 | $ 36,000 |
| Muskegon-Norton Shores, MI | 1 | $ 38,000 | $ 38,000 | $ 20,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 203,000 | $ 203,000 | $ 107,000 |
| Napa, CA | 1 | $ 436,000 | $ 436,000 | $ 83,000 |
| Ocean City, NJ | 1 | $ 70,000 | $ 70,000 | $ 25,000 |
| Olympia, WA | 1 | $ 130,000 | $ 130,000 | $ 96,000 |
| Owensboro, KY | 1 | $ 60,000 | $ 60,000 | $ 64,000 |
| Panama City-Lynn Haven, FL | 1 | $ 50,000 | $ 50,000 | $ 33,000 |
| Provo-Orem, UT | 1 | $ 209,000 | $ 209,000 | $ 69,000 |
| Roanoke, VA | 1 | $ 88,000 | $ 88,000 | $ 36,000 |
| Rochester, NY | 1 | $ 122,000 | $ 122,000 | $ 48,000 |
| Salem, OR | 1 | $ 107,000 | $ 107,000 | $ 38,000 |
| Salisbury, MD | 1 | $ 80,000 | $ 80,000 | $ 31,000 |
| San Angelo, TX | 1 | $ 48,000 | $ 48,000 | $ 47,000 |
| Santa Fe, NM | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Scranton--Wilkes-Barre, PA | 1 | $ 97,000 | $ 97,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 126,000 | $ 126,000 | $ 102,000 |
| Spartanburg, SC | 1 | $ 97,000 | $ 97,000 | $ 68,000 |
| Springfield, OH | 1 | $ 52,000 | $ 52,000 | $ 68,000 |
| St. Cloud, MN | 1 | $ 132,000 | $ 132,000 | $ 53,000 |
| Terre Haute, IN | 1 | $ 83,000 | $ 83,000 | $ 65,000 |
| Topeka, KS | 1 | $ 161,000 | $ 161,000 | $ 107,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 58,000 | $ 58,000 | $ 116,000 |
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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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