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Ocwen Financial Corporation is a financial services company that originates and services mortgage loans. The company offers residential mortgage loans, including conventional, construction, FHA and VA residential mortgages; home equity lines of credit; home-equity loans; reverse mortgages; and subprime mortgage loans in the United States, the United States Virgin Islands, India and the Philippines. The company was founded in 1988 and is headquartered in West Palm Beach, Florida.