Ocmbc Mortgage Rates, Fees & Info
SEAL BEACH, CALEI: 549300J7I82PNDVU8H22
Tax ID: 33-0962918
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Mortgage Data
Review & Overview
Ocmbc is a mid-sized mortgage company specializing in Refi, Home Purchase, and Cash Out Refi loans. Ocmbc has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, Riverside, San Diego, San Francisco, and Chicago among others. We have data for 239 markets. (Some data included below & more in-depth data is available with an active subscription.)Ocmbc has a below average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Ocmbc is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.19% | 6/17/24 |
| 30 Year Conventional Refi | 6.89% | 6/17/24 |
| 30 Year Cash-out Refi | 7.26% | 6/17/24 |
| 30 Year FHA Purchase | 7.53% | 6/17/24 |
| 30 Year FHA Refi | 7.14% | 6/17/24 |
| 30 Year VA Purchase | 6.36% | 6/17/24 |
| 30 Year VA Refi | 6.27% | 6/17/24 |
| 30 Year USDA Purchase | 6.61% | 6/17/24 |
| 15 Year Conventional Purchase | 5.84% | 6/17/24 |
| 15 Year Conventional Refi | 6.47% | 6/17/24 |
| 15 Year Cash-out Refi | 6.47% | 6/17/24 |
| 15 Year FHA Refi | 5.68% | 6/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Ocmbc Mortgage Calculator
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This is not an official calculator from Ocmbc. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
9,997Origination Dollar Volume (All Markets)
$4,011,795,000Awards
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OCMBC - 2021
OCMBC is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3,399 | $1,648,915,000 | $485,118 | $8,383 | 3.10% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1,410 | $514,040,000 | $364,567 | $7,838 | 3.05% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 570 | $287,650,000 | $504,649 | $6,898 | 2.95% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 346 | $175,690,000 | $507,775 | $5,619 | 2.98% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 468 | $113,430,000 | $242,372 | $7,063 | 3.27% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 256 | $93,530,000 | $365,352 | $10,382 | 2.91% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 249 | $82,865,000 | $332,791 | $5,182 | 3.36% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 147 | $82,455,000 | $560,918 | $4,717 | 2.87% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 161 | $80,445,000 | $499,658 | $8,541 | 3.07% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 191 | $70,775,000 | $370,550 | $9,550 | 3.45% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 177 | $68,795,000 | $388,672 | $7,106 | 3.11% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 142 | $49,420,000 | $348,028 | $11,246 | 3.52% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 141 | $48,565,000 | $344,433 | $6,283 | 3.01% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 149 | $42,205,000 | $283,255 | $8,525 | 2.97% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 139 | $37,855,000 | $272,338 | $7,478 | 3.05% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 93 | $31,955,000 | $343,602 | $9,404 | 3.18% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 95 | $30,375,000 | $319,737 | $6,877 | 3.46% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 97 | $29,615,000 | $305,309 | $8,711 | 3.21% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 89 | $26,195,000 | $294,326 | $8,001 | 2.91% |
| STOCKTON, CA (FHA|USDA|VA) | 64 | $21,930,000 | $342,656 | $5,300 | 3.31% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 92 | $21,780,000 | $236,739 | $7,368 | 3.17% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 43 | $18,595,000 | $432,442 | $7,752 | 2.99% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 66 | $18,570,000 | $281,364 | $9,105 | 4.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 53 | $18,095,000 | $341,415 | $4,938 | 3.03% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 55 | $17,995,000 | $327,182 | $6,493 | 2.99% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 80 | $17,420,000 | $217,750 | $8,008 | 3.65% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 61 | $16,095,000 | $263,852 | $8,097 | 3.43% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 51 | $14,185,000 | $278,137 | $9,170 | 3.13% |
| Outside of Metro Areas | 42 | $13,510,000 | $321,667 | $7,055 | 3.40% |
| VALLEJO, CA (FHA|USDA|VA) | 31 | $12,085,000 | $389,839 | $6,637 | 2.98% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 29 | $11,475,000 | $395,690 | $10,523 | 4.09% |
| MODESTO, CA (FHA|USDA|VA) | 31 | $10,115,000 | $326,290 | $6,536 | 3.45% |
| FRESNO, CA (FHA|USDA|VA) | 33 | $10,005,000 | $303,182 | $6,697 | 3.34% |
| SALINAS, CA (FHA|USDA|VA) | 18 | $8,590,000 | $477,222 | $9,027 | 2.89% |
| BOULDER, CO (FHA|USDA|VA) | 23 | $8,195,000 | $356,304 | $3,213 | 2.81% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 18 | $7,660,000 | $425,556 | $9,670 | 3.19% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 17 | $7,445,000 | $437,941 | $6,643 | 3.29% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 21 | $6,705,000 | $319,286 | $6,358 | 3.38% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 25 | $6,075,000 | $243,000 | $5,838 | 3.57% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 13 | $6,015,000 | $462,692 | $10,690 | 3.32% |
| BATON ROUGE, LA (FHA|USDA|VA) | 33 | $5,925,000 | $179,545 | $10,359 | 3.01% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 15 | $5,295,000 | $353,000 | $6,482 | 2.97% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 22 | $5,260,000 | $239,091 | $7,396 | 3.02% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 20 | $5,170,000 | $258,500 | $5,930 | 3.06% |
| TUCSON, AZ (FHA|USDA|VA) | 15 | $4,965,000 | $331,000 | $8,255 | 3.48% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 10 | $4,730,000 | $473,000 | $7,184 | 2.71% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 18 | $4,600,000 | $255,556 | $6,231 | 3.28% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 20 | $4,550,000 | $227,500 | $6,084 | 3.38% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 22 | $4,430,000 | $201,364 | $6,969 | 2.81% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 8 | $4,330,000 | $541,250 | $12,328 | 3.06% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 13 | $3,995,000 | $307,308 | $8,743 | 3.77% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 11 | $3,815,000 | $346,818 | $4,660 | 2.97% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 15 | $3,735,000 | $249,000 | $8,218 | 3.30% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 17 | $3,705,000 | $217,941 | $7,456 | 4.68% |
| VISALIA, CA (FHA|USDA|VA) | 15 | $3,675,000 | $245,000 | $5,485 | 2.95% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 12 | $3,550,000 | $295,833 | $7,767 | 3.24% |
| REDDING, CA (FHA|USDA|VA) | 10 | $3,550,000 | $355,000 | $6,981 | 3.34% |
| Bozeman, MT (FHA|USDA|VA) | 9 | $3,385,000 | $376,111 | $5,624 | 2.92% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 14 | $3,380,000 | $241,429 | $6,770 | 2.94% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 12 | $3,280,000 | $273,333 | $8,384 | 2.69% |
| PITTSBURGH, PA (FHA|USDA|VA) | 13 | $3,275,000 | $251,923 | $7,583 | 2.59% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $3,030,000 | $757,500 | $12,874 | 5.37% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 10 | $3,010,000 | $301,000 | $7,654 | 3.41% |
| EL CENTRO, CA (FHA|USDA|VA) | 10 | $2,950,000 | $295,000 | $7,832 | 3.04% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 9 | $2,805,000 | $311,667 | $7,705 | 3.47% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 8 | $2,790,000 | $348,750 | $3,717 | 3.09% |
| GREELEY, CO (FHA|USDA|VA) | 9 | $2,785,000 | $309,444 | $6,312 | 2.65% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 9 | $2,735,000 | $303,889 | $9,256 | 3.36% |
| FORT COLLINS, CO (FHA|USDA|VA) | 10 | $2,700,000 | $270,000 | $3,885 | 2.60% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 11 | $2,685,000 | $244,091 | $9,440 | 3.13% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 12 | $2,590,000 | $215,833 | $6,527 | 3.11% |
| MADERA, CA (FHA|USDA|VA) | 9 | $2,445,000 | $271,667 | $4,994 | 2.99% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 6 | $2,310,000 | $385,000 | $7,467 | 3.13% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 3 | $2,295,000 | $765,000 | $6,802 | 3.75% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 7 | $2,175,000 | $310,714 | $6,298 | 3.14% |
| PROVO-OREM, UT (FHA|USDA|VA) | 8 | $2,160,000 | $270,000 | $5,571 | 3.06% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 10 | $2,060,000 | $206,000 | $5,417 | 2.94% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $1,935,000 | $387,000 | $8,234 | 4.25% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 6 | $1,930,000 | $321,667 | $10,245 | 3.75% |
| Ukiah, CA (FHA|USDA|VA) | 5 | $1,925,000 | $385,000 | $7,977 | 2.90% |
| MERCED, CA (FHA|USDA|VA) | 7 | $1,915,000 | $273,571 | $5,316 | 3.16% |
| RICHMOND, VA (FHA|USDA|VA) | 5 | $1,825,000 | $365,000 | $9,292 | 3.53% |
| Laconia, NH (FHA|USDA|VA) | 6 | $1,760,000 | $293,333 | $8,455 | 3.02% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 6 | $1,750,000 | $291,667 | $6,739 | 3.06% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 5 | $1,725,000 | $345,000 | $9,775 | 4.00% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 5 | $1,695,000 | $339,000 | $4,636 | 2.80% |
| OCALA, FL (FHA|USDA|VA) | 9 | $1,595,000 | $177,222 | $6,581 | 2.89% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 4 | $1,570,000 | $392,500 | $10,920 | 2.97% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 6 | $1,550,000 | $258,333 | $7,835 | 2.60% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 5 | $1,535,000 | $307,000 | $12,437 | 3.90% |
| CHICO, CA (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $4,425 | 2.69% |
| NAPA, CA (FHA|USDA|VA) | 3 | $1,455,000 | $485,000 | $9,314 | 2.96% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 5 | $1,425,000 | $285,000 | $7,161 | 3.18% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $1,360,000 | $680,000 | $11,990 | 4.44% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $7,607 | 2.75% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $13,065 | 3.19% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 8 | $1,320,000 | $165,000 | $6,450 | 1.83% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $6,012 | 3.16% |
| Vineyard Haven, MA (FHA|USDA|VA) | 2 | $1,280,000 | $640,000 | $17,761 | 3.31% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $5,094 | 3.88% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $2,101 | 3.44% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $0 | 5.00% |
| YUBA CITY, CA (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $6,570 | 2.81% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $3,113 | 3.04% |
| BANGOR, ME (FHA|USDA|VA) | 6 | $1,080,000 | $180,000 | $5,508 | 2.79% |
| Hilo, HI (FHA|USDA|VA) | 2 | $1,080,000 | $540,000 | $6,064 | 3.87% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $6,674 | 3.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $7,174 | 2.97% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $8,035 | 2.59% |
| Oak Harbor, WA (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $3,726 | 2.46% |
| Concord, NH (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $8,656 | 2.92% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $7,132 | 3.44% |
| ROCKFORD, IL (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $7,668 | 3.25% |
| Pahrump, NV (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $4,222 | 2.22% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $17,372 | 3.06% |
| EL PASO, TX (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $9,543 | 4.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $9,199 | 3.25% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $13,130 | 2.41% |
| Key West, FL (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $5,851 | 4.38% |
| Edwards, CO (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $4,574 | 2.94% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $6,857 | 2.94% |
| Sonora, CA (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $24,544 | 6.50% |
| KANKAKEE, IL (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $4,129 | 3.04% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $2,081 | 3.00% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $6,136 | 2.84% |
| SAVANNAH, GA (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $4,780 | 2.97% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $12,031 | 3.25% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $6,140 | 4.62% |
| Seneca, SC (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $15,230 | 5.38% |
| Durango, CO (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $2,408 | 2.50% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $7,575 | 2.25% |
| ROCHESTER, MN (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $3,235 | 2.96% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $4,942 | 2.81% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $2,296 | 2.75% |
| RENO, NV (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $3,563 | 2.50% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $4,171 | 3.25% |
| Jesup, GA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $11,921 | 6.63% |
| Heber, UT (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $9,096 | 2.75% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,047 | 3.06% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $3,539 | 3.13% |
| TYLER, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $11,073 | 6.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $7,034 | 6.62% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $12,446 | 4.19% |
| BEND, OR (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $12,851 | 3.13% |
| MONROE, LA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,088 | 2.69% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,658 | 3.25% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,294 | 2.94% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,394 | 3.06% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $7,532 | 2.75% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $7,015 | 4.56% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $10,053 | 4.13% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $10,110 | 3.06% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 5.38% |
| Urbana, OH (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $5,395 | 2.08% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,802 | 3.12% |
| New Castle, PA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,007 | 2.63% |
| Seymour, IN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,088 | 3.06% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $8,845 | 3.25% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $5,424 | 2.00% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,341 | 2.50% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,599 | 2.88% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $11,119 | 4.25% |
| DOVER, DE (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $20,717 | 2.88% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $9,055 | 3.63% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $17,689 | 2.88% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,208 | 2.75% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,916 | 4.06% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $6,278 | 2.13% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,180 | 2.88% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,213 | 3.38% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,328 | 2.75% |
| SALEM, OR (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,459 | 1.63% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,190 | 3.06% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,177 | 3.75% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,824 | 3.88% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,171 | 2.88% |
| Taos, NM (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 6.25% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,081 | 2.38% |
| Torrington, CT (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,947 | 5.50% |
| READING, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $12,651 | 2.75% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,844 | 2.25% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $14,699 | 2.25% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,427 | 3.24% |
| Keene, NH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,537 | 3.13% |
| Elko, NV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,320 | 2.88% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 6.25% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,416 | 3.63% |
| Willmar, MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,122 | 2.88% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,050 | 3.50% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,668 | 2.88% |
| Crossville, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,903 | 4.00% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,074 | 3.63% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,933 | 2.75% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,621 | 3.38% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,546 | 3.25% |
| Fallon, NV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,809 | 2.88% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,763 | 3.38% |
| Athens, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,201 | 2.75% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.25% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $3,026 | 1.88% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,267 | 4.00% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,228 | 4.25% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,280 | 2.88% |
| Easton, MD (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,831 | 3.25% |
| Washington, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,504 | 3.00% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,469 | 3.63% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,419 | 3.13% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,562 | 2.25% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,155 | 2.50% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,080 | 2.25% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,542 | 3.25% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,539 | 3.38% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,208 | 3.25% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $11,460 | 3.63% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,854 | 2.75% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,801 | 3.13% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,824 | 2.88% |
| Henderson, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,670 | 6.00% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,973 | 3.50% |
| Payson, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,119 | 3.13% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.63% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,596 | 2.88% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,214 | 3.25% |
| Athens, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.24% |
| FLINT, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,277 | 2.75% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,081 | 3.25% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,730 | 3.00% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,283 | 3.13% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,341 | 3.50% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,322 | 6.50% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,761 | 2.88% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $10,334 | 2.88% |
| Sanford, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,042 | 2.88% |
| Defiance, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,860 | 3.50% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.13% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,882 | 3.75% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,422 | 3.63% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $3,457 | 2.13% |
| Freeport, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,392 | 3.75% |
Similar Lenders
We use machine learning to identify the top lenders compared against OCMBC based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2021, Ocmbc's most frequently originated type of loan was Conventional, with 7,219 originations. Their 2nd most popular type was FHA, with 2,272 originations.
Loan Reason
For 2021, Ocmbc's most frequently cited loan purpose was Refi, with 3,570 originations. The 2nd most popular reason was Home Purchase, with 3,486 originations.
Loan Duration/Length
For 2021, Ocmbc's most frequently cited loan duration was 30 Year, with 9,264 originations. The 2nd most popular length was 15 Year, with 323 originations.
Origination Fees/Closing Costs
Ocmbc's average total fees were $8,005, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,005 originations.
Interest Rates
During 2021, Ocmbc's average interest rate for loans was 3.15%, while their most frequently originated rate bucket for loans was 2.5-3%, with 4,394 originations.
Loan Sizing
2021 saw Ocmbc place emphasis on $200k-400k loans with 4,438 originations, totaling $1,334,440,000 in origination value.
Applicant Income
Ocmbc lent most frequently to those with incomes in the $100k-150k range, with 2,399 originations. The second most popular income band? $75k-100k, with 2,029 originations.
Applicant Debt to Income Ratio
Ocmbc lent most frequently to those with DTI ratios of 30-36%, with 1,395 originations. The next most common DTI ratio? 20-30%, with 1,286 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications69.45%
Ocmbc has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination99.94%
Ocmbc has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 10334.0 | 1 | $405,000 | $405,000 |
| 10396.86 | 1 | $325,000 | $325,000 |
| 10417.38 | 1 | $375,000 | $375,000 |
| 10605.13 | 1 | $495,000 | $495,000 |
| 10704.63 | 1 | $205,000 | $205,000 |
| 10784.0 | 1 | $405,000 | $405,000 |
| 107964.0 | 1 | $2,005,000 | $2,005,000 |
| 10798.68 | 1 | $405,000 | $405,000 |
| 11014.0 | 1 | $305,000 | $305,000 |
| 11147.1 | 1 | $735,000 | $735,000 |
| 11190.1 | 1 | $485,000 | $485,000 |
| 11233.6 | 1 | $165,000 | $165,000 |
| 11244.0 | 1 | $205,000 | $205,000 |
| 11479.0 | 1 | $205,000 | $205,000 |
| 11609.0 | 1 | $225,000 | $225,000 |
| 11684.0 | 1 | $525,000 | $525,000 |
| 116929.5 | 1 | $2,505,000 | $2,505,000 |
| 11764.0 | 1 | $205,000 | $205,000 |
| 11854.0 | 1 | $295,000 | $295,000 |
| 11928.25 | 1 | $265,000 | $265,000 |
| 12539.6 | 1 | $355,000 | $355,000 |
| 12556.0 | 1 | $245,000 | $245,000 |
| 12821.35 | 1 | $265,000 | $265,000 |
| 12846.5 | 1 | $525,000 | $525,000 |
| 13099.0 | 1 | $225,000 | $225,000 |
| 13189.1 | 1 | $445,000 | $445,000 |
| 13275.0 | 1 | $605,000 | $605,000 |
| 13488.4 | 1 | $225,000 | $225,000 |
| 13744.57 | 1 | $555,000 | $555,000 |
| 13794.0 | 1 | $555,000 | $555,000 |
| 14237.38 | 1 | $205,000 | $205,000 |
| 14299.0 | 1 | $495,000 | $495,000 |
| 14472.0 | 1 | $515,000 | $515,000 |
| 15254.0 | 1 | $565,000 | $565,000 |
| 15344.0 | 1 | $515,000 | $515,000 |
| 15395.38 | 1 | $495,000 | $495,000 |
| 15524.5 | 1 | $395,000 | $395,000 |
| 15534.0 | 1 | $315,000 | $315,000 |
| 15720.0 | 1 | $545,000 | $545,000 |
| 15986.5 | 1 | $375,000 | $375,000 |
| 16129.0 | 1 | $485,000 | $485,000 |
| 16205.25 | 1 | $485,000 | $485,000 |
| 16715.88 | 1 | $415,000 | $415,000 |
| 16961.5 | 1 | $215,000 | $215,000 |
| 17169.0 | 1 | $405,000 | $405,000 |
| 17246.4 | 1 | $245,000 | $245,000 |
| 17453.4 | 1 | $995,000 | $995,000 |
| 17615.5 | 1 | $475,000 | $475,000 |
| 17986.4 | 1 | $365,000 | $365,000 |
| 18175.0 | 1 | $475,000 | $475,000 |
| 18587.76 | 1 | $445,000 | $445,000 |
| 19174.81 | 1 | $525,000 | $525,000 |
| 1955.46 | 1 | $145,000 | $145,000 |
| 19638.38 | 1 | $535,000 | $535,000 |
| 19674.0 | 1 | $605,000 | $605,000 |
| 19735.0 | 1 | $635,000 | $635,000 |
| 19994.0 | 1 | $595,000 | $595,000 |
| 20539.0 | 1 | $485,000 | $485,000 |
| 20574.0 | 1 | $405,000 | $405,000 |
| 210474.0 | 1 | $6,305,000 | $6,305,000 |
| 21327.08 | 1 | $525,000 | $525,000 |
| 22008.38 | 1 | $865,000 | $865,000 |
| 22064.0 | 1 | $345,000 | $345,000 |
| 22544.93 | 1 | $635,000 | $635,000 |
| 22844.0 | 1 | $715,000 | $715,000 |
| 23039.0 | 1 | $2,005,000 | $2,005,000 |
| 23419.0 | 1 | $635,000 | $635,000 |
| 23814.0 | 1 | $525,000 | $525,000 |
| 24224.0 | 1 | $695,000 | $695,000 |
| 24248.0 | 1 | $575,000 | $575,000 |
| 24384.0 | 1 | $865,000 | $865,000 |
| 26416.5 | 1 | $1,235,000 | $1,235,000 |
| 26486.5 | 1 | $655,000 | $655,000 |
| 2696.25 | 1 | $105,000 | $105,000 |
| 27938.6 | 1 | $585,000 | $585,000 |
| 28764.4 | 1 | $1,045,000 | $1,045,000 |
| 28782.79 | 1 | $445,000 | $445,000 |
| 28889.63 | 1 | $615,000 | $615,000 |
| 29189.0 | 1 | $645,000 | $645,000 |
| 29324.0 | 1 | $1,505,000 | $1,505,000 |
| 29388.93 | 1 | $1,015,000 | $1,015,000 |
| 30060.25 | 1 | $735,000 | $735,000 |
| 30930.5 | 1 | $585,000 | $585,000 |
| 32079.0 | 1 | $465,000 | $465,000 |
| 32100.5 | 1 | $605,000 | $605,000 |
| 32308.75 | 1 | $995,000 | $995,000 |
| 33572.48 | 1 | $995,000 | $995,000 |
| 34395.35 | 1 | $665,000 | $665,000 |
| 35137.44 | 1 | $635,000 | $635,000 |
| 37542.8 | 1 | $1,045,000 | $1,045,000 |
| 3933.74 | 1 | $115,000 | $115,000 |
| 4008.38 | 1 | $135,000 | $135,000 |
| 4083.0 | 1 | $345,000 | $345,000 |
| 4140.23 | 1 | $115,000 | $115,000 |
| 41651.62 | 1 | $1,155,000 | $1,155,000 |
| 4218.76 | 1 | $475,000 | $475,000 |
| 42524.69 | 1 | $1,105,000 | $1,105,000 |
| 4801.45 | 1 | $135,000 | $135,000 |
| 4826.0 | 1 | $205,000 | $205,000 |
| 4835.0 | 1 | $115,000 | $115,000 |
| 49509.0 | 1 | $1,505,000 | $1,505,000 |
| 5088.82 | 1 | $125,000 | $125,000 |
| 5100.7 | 1 | $215,000 | $215,000 |
| 54054.1 | 1 | $1,105,000 | $1,105,000 |
| 5741.89 | 1 | $285,000 | $285,000 |
| 5752.13 | 1 | $155,000 | $155,000 |
| 6094.24 | 1 | $325,000 | $325,000 |
| 6200.75 | 1 | $175,000 | $175,000 |
| 6221.12 | 1 | $215,000 | $215,000 |
| 6228.63 | 1 | $115,000 | $115,000 |
| 6383.18 | 1 | $605,000 | $605,000 |
| 6520.55 | 1 | $215,000 | $215,000 |
| 6779.15 | 2 | $910,000 | $455,000 |
| 6801.5 | 2 | $340,000 | $170,000 |
| 6802.95 | 1 | $395,000 | $395,000 |
| 7141.65 | 1 | $525,000 | $525,000 |
| 7179.0 | 1 | $175,000 | $175,000 |
| 7240.21 | 1 | $155,000 | $155,000 |
| 7450.84 | 1 | $255,000 | $255,000 |
| 7512.83 | 1 | $565,000 | $565,000 |
| 7594.64 | 1 | $565,000 | $565,000 |
| 7635.8 | 1 | $275,000 | $275,000 |
| 7703.85 | 1 | $485,000 | $485,000 |
| 7916.9 | 1 | $225,000 | $225,000 |
| 7955.68 | 1 | $165,000 | $165,000 |
| 7961.52 | 1 | $545,000 | $545,000 |
| 7981.44 | 1 | $245,000 | $245,000 |
| 8025.16 | 1 | $135,000 | $135,000 |
| 80894.0 | 2 | $3,010,000 | $1,505,000 |
| 8293.4 | 1 | $245,000 | $245,000 |
| 8417.12 | 1 | $295,000 | $295,000 |
| 8996.2 | 1 | $275,000 | $275,000 |
| 9223.69 | 1 | $195,000 | $195,000 |
| 9251.68 | 1 | $265,000 | $265,000 |
| 9464.0 | 1 | $155,000 | $155,000 |
| 9468.74 | 2 | $410,000 | $205,000 |
| 9481.5 | 1 | $195,000 | $195,000 |
| 9512.0 | 1 | $635,000 | $635,000 |
| 9655.0 | 1 | $275,000 | $275,000 |
| 9727.5 | 1 | $215,000 | $215,000 |
| 9944.0 | 1 | $305,000 | $305,000 |
| 9955.78 | 1 | $165,000 | $165,000 |
| NA | 9,851 | $3,932,895,000 | $399,238 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 9,997 | $4,011,795,000 | $401,300 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| OCMBC, Inc | FHA mortgage | Closing on a mortgage | 1 | 100.0% |