Ocmbc Mortgage Rates, Fees & Info

SEAL BEACH, CA

LEI: 549300J7I82PNDVU8H22

Tax ID: 33-0962918

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Ocmbc is a small mortgage company specializing in 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, Chicago, San Diego, and Oxnard among others. We have data for 250 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 average pick rate when compared to similar lenders. Ocmbc is typically a high 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 relatively high 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% 4/28/24
30 Year Conventional Refi 6.89% 4/28/24
30 Year Cash-out Refi 7.26% 4/28/24
30 Year FHA Purchase 7.53% 4/28/24
30 Year FHA Refi 7.14% 4/28/24
30 Year VA Purchase 6.36% 4/28/24
30 Year VA Refi 6.27% 4/28/24
30 Year USDA Purchase 6.61% 4/28/24
15 Year Conventional Purchase 5.84% 4/28/24
15 Year Conventional Refi 6.47% 4/28/24
15 Year Cash-out Refi 6.47% 4/28/24
15 Year FHA Refi 5.68% 4/28/24
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






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

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

6,219

Origination Dollar Volume (All Markets)

$2,653,695,000

Awards

OCMBC VA Loans silver OCMBC FHA Loans bronze OCMBC FHA Loans bronze
Show all (3) awards

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) 1,861 $1,088,845,000 $585,086 $16,726 5.49%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 993 $415,175,000 $418,102 $13,467 5.43%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 277 $66,315,000 $239,404 $9,913 5.68%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 109 $61,435,000 $563,624 $15,835 5.36%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 96 $61,150,000 $636,979 $18,769 5.76%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 116 $54,810,000 $472,500 $17,675 6.51%
BAKERSFIELD, CA (FHA|USDA|VA) 178 $48,160,000 $270,562 $10,684 5.70%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 112 $46,050,000 $411,161 $12,388 5.96%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 122 $40,250,000 $329,918 $11,971 5.66%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 61 $39,345,000 $645,000 $18,604 6.06%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 104 $37,280,000 $358,462 $13,295 6.10%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 85 $36,825,000 $433,235 $16,646 6.58%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 84 $27,970,000 $332,976 $13,269 6.67%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 60 $26,960,000 $449,333 $16,197 6.03%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 106 $26,900,000 $253,774 $11,062 5.99%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 85 $24,515,000 $288,412 $9,618 6.54%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 108 $24,320,000 $225,185 $9,849 6.16%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 58 $23,140,000 $398,966 $12,118 5.64%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 76 $23,100,000 $303,947 $11,584 5.06%
WORCESTER, MA-CT (FHA|USDA|VA) 67 $21,705,000 $323,955 $11,253 5.79%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 60 $20,440,000 $340,667 $13,754 6.40%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 36 $18,010,000 $500,278 $15,001 6.40%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 20 $17,900,000 $895,000 $19,977 5.79%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 58 $17,570,000 $302,931 $12,115 5.69%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 34 $13,170,000 $387,353 $11,213 5.24%
FRESNO, CA (FHA|USDA|VA) 42 $12,660,000 $301,429 $12,318 6.19%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 34 $12,040,000 $354,118 $14,253 6.52%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 41 $11,985,000 $292,317 $11,997 5.33%
STOCKTON, CA (FHA|USDA|VA) 30 $10,440,000 $348,000 $9,939 5.37%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 22 $9,940,000 $451,818 $18,108 7.19%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 39 $8,775,000 $225,000 $9,199 5.83%
Outside of Metro Areas 41 $8,215,000 $200,366 $9,090 6.40%
BATON ROUGE, LA (FHA|USDA|VA) 37 $8,195,000 $221,486 $10,287 4.62%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 20 $7,530,000 $376,500 $11,710 6.93%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 27 $7,515,000 $278,333 $11,125 5.33%
JACKSONVILLE, FL (FHA|USDA|VA) 23 $7,335,000 $318,913 $14,909 7.58%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 19 $7,105,000 $373,947 $12,189 5.52%
MODESTO, CA (FHA|USDA|VA) 21 $6,235,000 $296,905 $10,942 4.76%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 15 $6,195,000 $413,000 $15,766 5.89%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 11 $6,155,000 $559,545 $12,242 6.15%
BOISE CITY, ID (FHA|USDA|VA) 15 $6,005,000 $400,333 $13,319 6.07%
SALT LAKE CITY, UT (FHA|USDA|VA) 8 $5,970,000 $746,250 $11,127 6.55%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 3 $5,945,000 $1,981,667 $0 4.96%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 15 $5,395,000 $359,667 $14,241 6.92%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 11 $4,775,000 $434,091 $15,232 7.42%
Sevierville, TN (FHA|USDA|VA) 5 $4,575,000 $915,000 $0 7.13%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 8 $4,530,000 $566,250 $15,319 5.23%
VISALIA, CA (FHA|USDA|VA) 15 $4,455,000 $297,000 $11,084 6.09%
SALINAS, CA (FHA|USDA|VA) 6 $4,420,000 $736,667 $24,068 6.04%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 34 $4,390,000 $129,118 $6,560 6.44%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 14 $4,280,000 $305,714 $12,904 6.96%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 15 $4,075,000 $271,667 $11,537 5.98%
TUCSON, AZ (FHA|USDA|VA) 6 $3,920,000 $653,333 $18,834 5.85%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 15 $3,845,000 $256,333 $8,577 5.79%
RENO, NV (FHA|USDA|VA) 3 $3,565,000 $1,188,333 $23,192 7.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $3,520,000 $880,000 $22,537 5.66%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 7 $3,465,000 $495,000 $14,686 6.00%
PORT ST. LUCIE, FL (FHA|USDA|VA) 13 $3,425,000 $263,462 $11,295 3.85%
VALLEJO, CA (FHA|USDA|VA) 11 $3,395,000 $308,636 $12,069 4.50%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 17 $3,355,000 $197,353 $9,598 5.30%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 10 $3,170,000 $317,000 $12,221 8.25%
SPRINGFIELD, MA (FHA|USDA|VA) 13 $3,075,000 $236,538 $12,187 6.02%
SALEM, OR (FHA|USDA|VA) 15 $3,005,000 $200,333 $9,119 5.58%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $2,965,000 $423,571 $14,716 5.43%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 15 $2,745,000 $183,000 $9,286 5.15%
Kapaa, HI (FHA|USDA|VA) 2 $2,700,000 $1,350,000 $0 8.00%
COLORADO SPRINGS, CO (FHA|USDA|VA) 8 $2,630,000 $328,750 $9,983 6.17%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 9 $2,545,000 $282,778 $9,961 6.93%
HINESVILLE, GA (FHA|USDA|VA) 9 $2,375,000 $263,889 $11,685 6.32%
LOUISVILLE, KY (FHA|USDA|VA) 10 $2,350,000 $235,000 $9,500 5.31%
OCALA, FL (FHA|USDA|VA) 12 $2,350,000 $195,833 $9,323 7.21%
PROVO-OREM, UT (FHA|USDA|VA) 9 $2,345,000 $260,556 $11,285 7.47%
RICHMOND, VA (FHA|USDA|VA) 10 $2,240,000 $224,000 $9,658 6.27%
Truckee-Grass Valley, CA (FHA|USDA|VA) 4 $2,070,000 $517,500 $17,180 4.66%
YUBA CITY, CA (FHA|USDA|VA) 6 $1,940,000 $323,333 $5,640 5.98%
MEDFORD, OR (FHA|USDA|VA) 4 $1,900,000 $475,000 $17,693 7.81%
URBAN HONOLULU, HI (FHA|USDA|VA) 3 $1,865,000 $621,667 $12,091 5.21%
Lewisburg, TN (FHA|USDA|VA) 11 $1,845,000 $167,727 $0 6.50%
SPARTANBURG, SC (FHA|USDA|VA) 8 $1,840,000 $230,000 $10,941 6.83%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $1,805,000 $601,667 $11,224 6.17%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 9 $1,795,000 $199,444 $10,168 7.38%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 11 $1,795,000 $163,182 $8,887 4.69%
BOULDER, CO (FHA|USDA|VA) 5 $1,725,000 $345,000 $8,714 4.93%
EL CENTRO, CA (FHA|USDA|VA) 5 $1,715,000 $343,000 $13,681 5.70%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $1,705,000 $568,333 $46,043 7.71%
MERCED, CA (FHA|USDA|VA) 6 $1,680,000 $280,000 $10,853 4.37%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 4 $1,620,000 $405,000 $11,751 6.63%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 7 $1,525,000 $217,857 $8,669 7.98%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $1,480,000 $740,000 $21,612 4.44%
Outside of Metro Areas 1 $1,465,000 $1,465,000 $20,567 4.63%
SAVANNAH, GA (FHA|USDA|VA) 6 $1,440,000 $240,000 $9,947 7.10%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $1,415,000 $1,415,000 $34,753 9.25%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $1,365,000 $273,000 $12,593 6.27%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 7 $1,365,000 $195,000 $6,710 7.54%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 9 $1,365,000 $151,667 $7,747 6.78%
Heber, UT (FHA|USDA|VA) 1 $1,365,000 $1,365,000 $21,249 6.88%
REDDING, CA (FHA|USDA|VA) 3 $1,345,000 $448,333 $7,053 3.92%
Steamboat Springs, CO (FHA|USDA|VA) 1 $1,325,000 $1,325,000 $5,016 6.50%
YUMA, AZ (FHA|USDA|VA) 7 $1,245,000 $177,857 $8,319 5.79%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 7 $1,225,000 $175,000 $6,731 5.77%
CHICO, CA (FHA|USDA|VA) 4 $1,210,000 $302,500 $12,170 3.97%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 5 $1,185,000 $237,000 $9,517 6.15%
ALBUQUERQUE, NM (FHA|USDA|VA) 5 $1,175,000 $235,000 $10,830 7.98%
KNOXVILLE, TN (FHA|USDA|VA) 6 $1,170,000 $195,000 $6,040 7.42%
Holland, MI (FHA|USDA|VA) 1 $1,165,000 $1,165,000 $5,368 9.13%
MADERA, CA (FHA|USDA|VA) 2 $1,110,000 $555,000 $11,957 5.38%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 6 $1,100,000 $183,333 $7,765 5.29%
Eureka-Arcata, CA (FHA|USDA|VA) 3 $1,095,000 $365,000 $10,781 6.25%
ALBANY-LEBANON, OR (FHA|USDA|VA) 6 $1,090,000 $181,667 $10,415 3.75%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $1,080,000 $270,000 $15,804 5.47%
GAINESVILLE, GA (FHA|USDA|VA) 2 $1,060,000 $530,000 $45,697 7.19%
YORK-HANOVER, PA (FHA|USDA|VA) 5 $1,055,000 $211,000 $6,132 6.45%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $1,050,000 $262,500 $10,353 7.34%
Sonora, CA (FHA|USDA|VA) 4 $1,020,000 $255,000 $8,606 5.41%
Kalispell, MT (FHA|USDA|VA) 2 $1,010,000 $505,000 $11,029 6.44%
GREELEY, CO (FHA|USDA|VA) 4 $990,000 $247,500 $7,612 7.59%
ROANOKE, VA (FHA|USDA|VA) 1 $965,000 $965,000 $25,898 7.63%
PITTSBURGH, PA (FHA|USDA|VA) 5 $945,000 $189,000 $10,830 4.67%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 4 $930,000 $232,500 $7,018 4.94%
GREEN BAY, WI (FHA|USDA|VA) 4 $930,000 $232,500 $9,556 6.50%
Payson, AZ (FHA|USDA|VA) 2 $930,000 $465,000 $18,739 6.68%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $930,000 $232,500 $12,014 7.41%
WARNER ROBINS, GA (FHA|USDA|VA) 4 $920,000 $230,000 $9,442 4.13%
PUNTA GORDA, FL (FHA|USDA|VA) 4 $900,000 $225,000 $9,782 4.72%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 6 $900,000 $150,000 $7,051 6.06%
CORVALLIS, OR (FHA|USDA|VA) 2 $890,000 $445,000 $15,743 6.31%
Newport, OR (FHA|USDA|VA) 3 $885,000 $295,000 $12,939 7.79%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $860,000 $215,000 $11,996 7.25%
FORT COLLINS, CO (FHA|USDA|VA) 3 $845,000 $281,667 $17,134 5.38%
SALISBURY, MD-DE (FHA|USDA|VA) 5 $845,000 $169,000 $8,680 5.90%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 6 $810,000 $135,000 $8,698 9.17%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $795,000 $265,000 $14,552 7.42%
COLUMBUS, OH (FHA|USDA|VA) 4 $790,000 $197,500 $6,563 7.53%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $790,000 $395,000 $11,339 8.38%
BEND, OR (FHA|USDA|VA) 2 $790,000 $395,000 $0 7.62%
Pahrump, NV (FHA|USDA|VA) 2 $770,000 $385,000 $13,545 6.87%
THE VILLAGES, FL (FHA|USDA|VA) 2 $770,000 $385,000 $17,771 4.75%
Clearlake, CA (FHA|USDA|VA) 3 $765,000 $255,000 $13,618 5.08%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 4 $760,000 $190,000 $8,839 7.47%
COLUMBIA, SC (FHA|USDA|VA) 1 $745,000 $745,000 $19,163 4.13%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 5 $735,000 $147,000 $6,268 6.53%
Gainesville, TX (FHA|USDA|VA) 3 $735,000 $245,000 $9,877 7.38%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $725,000 $725,000 $0 8.38%
Show Low, AZ (FHA|USDA|VA) 4 $710,000 $177,500 $6,739 3.66%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $705,000 $235,000 $0 6.63%
ST. GEORGE, UT (FHA|USDA|VA) 1 $685,000 $685,000 $29,267 5.88%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $675,000 $225,000 $8,783 3.29%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $675,000 $135,000 $0 8.27%
Meadville, PA (FHA|USDA|VA) 1 $665,000 $665,000 $31,979 7.25%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $660,000 $330,000 $10,921 7.19%
Clewiston, FL (FHA|USDA|VA) 2 $660,000 $330,000 $15,864 4.75%
LAREDO, TX (FHA|USDA|VA) 3 $645,000 $215,000 $13,031 6.79%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 5 $645,000 $129,000 $7,040 5.35%
READING, PA (FHA|USDA|VA) 5 $635,000 $127,000 $6,980 5.38%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 5 $625,000 $125,000 $4,613 3.70%
Breckenridge, CO (FHA|USDA|VA) 2 $610,000 $305,000 $10,013 5.81%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 3 $595,000 $198,333 $8,981 5.88%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $575,000 $191,667 $10,257 5.17%
Elko, NV (FHA|USDA|VA) 2 $570,000 $285,000 $0 5.50%
DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $570,000 $142,500 $6,687 4.09%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $565,000 $565,000 $16,640 8.63%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $545,000 $545,000 $22,478 3.63%
Coos Bay, OR (FHA|USDA|VA) 3 $545,000 $181,667 $7,847 6.08%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $535,000 $178,333 $6,152 8.08%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $530,000 $265,000 $15,532 7.13%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $525,000 $175,000 $9,317 4.96%
GAINESVILLE, FL (FHA|USDA|VA) 4 $510,000 $127,500 $9,207 3.47%
ANN ARBOR, MI (FHA|USDA|VA) 3 $475,000 $158,333 $7,447 2.67%
DOVER, DE (FHA|USDA|VA) 2 $470,000 $235,000 $12,488 3.37%
LUBBOCK, TX (FHA|USDA|VA) 3 $455,000 $151,667 $7,685 4.13%
LOGAN, UT-ID (FHA|USDA|VA) 1 $455,000 $455,000 $3,677 3.75%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $440,000 $220,000 $11,347 6.88%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $440,000 $220,000 $12,616 7.25%
CLEVELAND, TN (FHA|USDA|VA) 1 $435,000 $435,000 $17,362 9.38%
WACO, TX (FHA|USDA|VA) 2 $430,000 $215,000 $10,609 7.00%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $430,000 $215,000 $10,693 7.25%
Branson, MO (FHA|USDA|VA) 2 $420,000 $210,000 $0 6.63%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $420,000 $210,000 $7,825 5.19%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $415,000 $415,000 $12,564 6.75%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $405,000 $405,000 $10,570 6.63%
WENATCHEE, WA (FHA|USDA|VA) 1 $385,000 $385,000 $0 8.00%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $380,000 $190,000 $13,084 5.94%
LEWISTON, ID-WA (FHA|USDA|VA) 2 $380,000 $190,000 $0 6.63%
Granbury, TX (FHA|USDA|VA) 1 $365,000 $365,000 $15,902 7.88%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $355,000 $355,000 $0 6.50%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $345,000 $345,000 $0 7.00%
HAMMOND, LA (FHA|USDA|VA) 1 $335,000 $335,000 $19,600 5.75%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $335,000 $335,000 $0 6.00%
Ukiah, CA (FHA|USDA|VA) 1 $325,000 $325,000 $13,376 5.75%
GRANTS PASS, OR (FHA|USDA|VA) 2 $310,000 $155,000 $7,415 2.63%
RACINE, WI (FHA|USDA|VA) 2 $310,000 $155,000 $0 6.50%
ROCKFORD, IL (FHA|USDA|VA) 2 $310,000 $155,000 $8,269 8.00%
Fort Morgan, CO (FHA|USDA|VA) 1 $305,000 $305,000 $0 10.25%
Mount Airy, NC (FHA|USDA|VA) 1 $305,000 $305,000 $10,943 6.75%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 3 $305,000 $101,667 $4,004 7.42%
Orangeburg, SC (FHA|USDA|VA) 1 $295,000 $295,000 $11,916 6.25%
Rochelle, IL (FHA|USDA|VA) 1 $295,000 $295,000 $11,744 6.75%
PEORIA, IL (FHA|USDA|VA) 2 $290,000 $145,000 $6,164 5.81%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $285,000 $285,000 $11,131 7.13%
Manitowoc, WI (FHA|USDA|VA) 1 $285,000 $285,000 $14,229 4.75%
WICHITA FALLS, TX (FHA|USDA|VA) 3 $275,000 $91,667 $5,899 3.50%
Cedar City, UT (FHA|USDA|VA) 1 $275,000 $275,000 $0 6.75%
El Campo, TX (FHA|USDA|VA) 1 $275,000 $275,000 $6,439 7.63%
London, KY (FHA|USDA|VA) 2 $270,000 $135,000 $4,919 2.31%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $270,000 $135,000 $7,283 6.75%
Statesboro, GA (FHA|USDA|VA) 2 $260,000 $130,000 $0 7.75%
KANKAKEE, IL (FHA|USDA|VA) 1 $255,000 $255,000 $13,398 5.75%
Dublin, GA (FHA|USDA|VA) 1 $255,000 $255,000 $7,688 5.75%
PANAMA CITY, FL (FHA|USDA|VA) 1 $255,000 $255,000 $3,880 3.50%
Laconia, NH (FHA|USDA|VA) 1 $255,000 $255,000 $0 8.50%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $255,000 $255,000 $9,382 2.88%
Port Angeles, WA (FHA|USDA|VA) 1 $245,000 $245,000 $14,335 3.25%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.25%
Wilson, NC (FHA|USDA|VA) 2 $240,000 $120,000 $7,321 7.75%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $235,000 $235,000 $0 5.25%
TYLER, TX (FHA|USDA|VA) 2 $230,000 $115,000 $4,505 2.31%
Okeechobee, FL (FHA|USDA|VA) 1 $225,000 $225,000 $12,502 5.50%
Jacksonville, TX (FHA|USDA|VA) 1 $225,000 $225,000 $2,394 3.00%
CUMBERLAND, MD-WV (FHA|USDA|VA) 2 $220,000 $110,000 $5,165 7.25%
Ontario, OR-ID (FHA|USDA|VA) 2 $220,000 $110,000 $5,686 2.25%
Vernal, UT (FHA|USDA|VA) 1 $215,000 $215,000 $0 9.50%
VICTORIA, TX (FHA|USDA|VA) 1 $215,000 $215,000 $11,446 6.63%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $205,000 $205,000 $6,806 4.50%
Shelton, WA (FHA|USDA|VA) 1 $205,000 $205,000 $5,383 4.00%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 2 $200,000 $100,000 $6,621 7.75%
Alexandria, MN (FHA|USDA|VA) 2 $200,000 $100,000 $11,192 7.25%
Crossville, TN (FHA|USDA|VA) 2 $200,000 $100,000 $5,681 7.50%
LAFAYETTE, LA (FHA|USDA|VA) 1 $185,000 $185,000 $13,969 4.25%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $185,000 $185,000 $11,691 5.75%
Palestine, TX (FHA|USDA|VA) 1 $185,000 $185,000 $10,969 7.63%
Indiana, PA (FHA|USDA|VA) 1 $185,000 $185,000 $10,622 9.25%
LONGVIEW, TX (FHA|USDA|VA) 1 $185,000 $185,000 $6,861 4.25%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $175,000 $175,000 $8,077 7.25%
Torrington, CT (FHA|USDA|VA) 1 $175,000 $175,000 $0 9.25%
Stephenville, TX (FHA|USDA|VA) 1 $175,000 $175,000 $7,999 8.88%
TOLEDO, OH (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.88%
Keene, NH (FHA|USDA|VA) 1 $165,000 $165,000 $9,646 4.75%
MANKATO, MN (FHA|USDA|VA) 2 $160,000 $80,000 $4,398 2.88%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $155,000 $155,000 $1,969 5.75%
SANTA FE, NM (FHA|USDA|VA) 1 $155,000 $155,000 $7,430 3.13%
EL PASO, TX (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.00%
BANGOR, ME (FHA|USDA|VA) 1 $155,000 $155,000 $8,520 3.25%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $145,000 $145,000 $0 8.25%
MONROE, MI (FHA|USDA|VA) 1 $135,000 $135,000 $8,471 6.75%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.25%
Somerset, PA (FHA|USDA|VA) 2 $130,000 $65,000 $3,027 2.38%
NEW BERN, NC (FHA|USDA|VA) 1 $115,000 $115,000 $7,026 3.75%
Marion, IN (FHA|USDA|VA) 1 $105,000 $105,000 $5,945 6.25%
New Castle, IN (FHA|USDA|VA) 1 $105,000 $105,000 $5,422 3.50%
Bogalusa, LA (FHA|USDA|VA) 1 $85,000 $85,000 $7,509 4.63%
Ocmbc's top markets include Los Angeles, Riverside, Chicago, San Diego, and Oxnard among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • 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.

    MISSION
    Similarity Rank: 30
    Charter Oak Federal Credit Union
    Similarity Rank: 42
    SAFEAMERICA CREDIT UNION
    Similarity Rank: 54
    HOMEFIELD
    Similarity Rank: 72
    Investors Bank
    Similarity Rank: 75
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 77
    Middlesex Savings Bank
    Similarity Rank: 120
    Los Angeles Federal Credit Union
    Similarity Rank: 136
    IC Federal Credit Union
    Similarity Rank: 144
    Republic Bank
    Similarity Rank: 168

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,234 $1,854,410,000 $437,981 $12,382 6.07%
    FHA 1,835 $734,165,000 $400,090 $16,368 5.05%
    VA 144 $63,720,000 $442,500 $11,893 4.92%
    USDA 6 $1,400,000 $233,333 $9,133 4.60%

    For 2022, Ocmbc's most frequently originated type of loan was Conventional, with 4,234 originations. Their 2nd most popular type was FHA, with 1,835 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,171 $1,754,115,000 $420,550 $14,124 5.84%
    Cash Out Refi 1,635 $721,875,000 $441,514 $13,319 5.63%
    Refi 413 $177,705,000 $430,278 $11,850 5.11%

    For 2022, Ocmbc's most frequently cited loan purpose was Home Purchase, with 4,171 originations. The 2nd most popular reason was Cash Out Refi, with 1,635 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,702 $2,489,060,000 $436,524 $14,404 5.63%
    10 Year 216 $3,000,000 $13,889 $30 8.39%
    30+ year 212 $137,210,000 $647,217 $20,706 6.68%
    15 Year 59 $15,965,000 $270,593 $8,454 3.79%
    20 Year 24 $6,580,000 $274,167 $8,438 3.68%
    Other 6 $1,880,000 $313,333 $9,208 4.15%

    For 2022, Ocmbc's most frequently cited loan duration was 30 Year, with 5,702 originations. The 2nd most popular length was 10 Year, with 216 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 3,774 $1,889,110,000 $500,559
    $<1k 719 $117,245,000 $163,067
    $1k-2k 564 $236,550,000 $419,415
    $4k-5k 389 $127,755,000 $328,419
    $3k-4k 334 $116,380,000 $348,443
    $2k-3k 331 $124,255,000 $375,393

    Ocmbc's average total fees were $14,404, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 3,774 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 1,302 $591,630,000 $454,401
    6-7% 1,108 $512,240,000 $462,310
    4-5% 1,070 $473,050,000 $442,103
    3-4% 847 $369,305,000 $436,015
    Over 8% 830 $330,960,000 $398,747
    7-8% 707 $313,985,000 $444,109
    <2.5% 220 $8,890,000 $40,409
    2.5-3% 135 $53,635,000 $397,296

    During 2022, Ocmbc's average interest rate for loans was 5.63%, while their most frequently originated rate bucket for loans was 5-6%, with 1,302 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,319 $701,325,000 $302,426 $11,709 5.73%
    $400k-600k 1,697 $831,565,000 $490,021 $15,577 5.63%
    $600k-1MM 908 $664,870,000 $732,236 $20,806 5.95%
    $100k-200k 620 $99,610,000 $160,661 $8,086 6.23%
    $100,000 or less 436 $6,980,000 $16,009 $250 4.45%
    $1MM+ 239 $349,345,000 $1,461,695 $35,070 6.89%

    2022 saw Ocmbc place emphasis on $200k-400k loans with 2,319 originations, totaling $701,325,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,497 $629,455,000 $420,478 $13,862 5.39%
    $50k or less 1,108 $377,750,000 $340,930 $7,736 6.26%
    $75k-100k 1,099 $357,575,000 $325,364 $11,419 5.05%
    $50k-75k 897 $224,025,000 $249,749 $9,781 4.85%
    $150k-250k 804 $451,490,000 $561,555 $17,125 6.19%
    $250k+ 643 $535,555,000 $832,900 $23,037 7.08%

    Ocmbc lent most frequently to those with incomes in the $100k-150k range, with 1,497 originations. The second most popular income band? $50k or less, with 1,108 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 964 $416,160,000 $431,701 $16,863 5.07%
    30-36% 440 $204,420,000 $464,591 $13,897 5.87%
    20-30% 390 $185,910,000 $476,692 $13,463 5.97%
    49% 383 $179,675,000 $469,125 $14,444 5.77%
    <20% 379 $131,945,000 $348,140 $10,489 5.33%
    44% 284 $119,190,000 $419,683 $12,839 5.49%
    47% 262 $116,400,000 $444,275 $14,133 5.59%
    48% 262 $116,760,000 $445,649 $14,254 5.65%
    46% 242 $106,790,000 $441,281 $14,195 5.75%
    45% 230 $103,890,000 $451,696 $13,752 5.61%
    42% 217 $98,635,000 $454,539 $13,383 5.49%
    43% 190 $87,180,000 $458,842 $12,943 5.39%
    41% 174 $72,120,000 $414,483 $12,452 5.59%
    39% 159 $72,555,000 $456,321 $12,659 5.64%
    40% 156 $65,290,000 $418,526 $12,758 5.60%
    36% 133 $54,325,000 $408,459 $11,507 5.53%
    38% 131 $59,535,000 $454,466 $13,347 5.96%
    37% 126 $49,620,000 $393,810 $11,682 5.75%
    >60% 14 $5,610,000 $400,714 $9,967 6.59%

    Ocmbc lent most frequently to those with DTI ratios of 50-60%, with 964 originations. The next most common DTI ratio? 30-36%, with 440 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,851 $1,692,575,000 $439,516 $14,102 5.76%
    Not provided 1,261 $566,815,000 $449,496 $14,172 5.72%
    Black 824 $256,540,000 $311,335 $11,912 5.56%
    Asian 259 $128,785,000 $497,239 $14,660 6.08%
    American Indian 11 $3,675,000 $334,091 $10,870 5.38%
    Native Hawaiian or Islander 8 $2,560,000 $320,000 $8,964 5.97%
    Other Asian 3 $1,785,000 $595,000 $5,732 6.04%
    Asian Indian 1 $785,000 $785,000 $21,012 3.13%
    Japanese 1 $175,000 $175,000 $10,822 5.63%

    Approval Rates

    Total approvals of all applications
    59.24%

    Ocmbc has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    92.28%

    Ocmbc has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    10013.75 1 $125,000 $125,000
    10030.65 1 $305,000 $305,000
    10034.9 1 $235,000 $235,000
    10062.4 1 $325,000 $325,000
    10071.13 1 $335,000 $335,000
    10074.65 1 $295,000 $295,000
    10075.0 1 $355,000 $355,000
    10081.28 1 $315,000 $315,000
    10102.3 1 $325,000 $325,000
    10107.2 1 $155,000 $155,000
    10115.51 1 $355,000 $355,000
    10128.09 1 $235,000 $235,000
    10181.08 1 $245,000 $245,000
    10206.63 1 $215,000 $215,000
    10212.3 1 $455,000 $455,000
    10224.0 1 $185,000 $185,000
    10242.11 1 $235,000 $235,000
    10244.0 1 $195,000 $195,000
    10249.0 1 $175,000 $175,000
    10250.84 1 $425,000 $425,000
    10263.25 1 $345,000 $345,000
    10284.2 1 $375,000 $375,000
    10290.97 1 $165,000 $165,000
    10300.8 1 $765,000 $765,000
    10346.84 1 $225,000 $225,000
    10366.26 1 $315,000 $315,000
    10404.0 1 $265,000 $265,000
    10438.38 1 $335,000 $335,000
    10495.8 1 $165,000 $165,000
    10524.0 1 $235,000 $235,000
    10527.0 1 $225,000 $225,000
    10551.8 1 $315,000 $315,000
    10561.07 1 $285,000 $285,000
    10612.32 1 $165,000 $165,000
    10627.02 1 $225,000 $225,000
    10635.0 1 $495,000 $495,000
    10703.0 1 $635,000 $635,000
    107295.0 1 $1,955,000 $1,955,000
    10733.5 1 $315,000 $315,000
    10736.0 1 $415,000 $415,000
    10737.0 1 $155,000 $155,000
    10773.0 1 $285,000 $285,000
    10799.4 1 $445,000 $445,000
    10813.88 1 $435,000 $435,000
    10822.5 1 $785,000 $785,000
    10828.43 1 $585,000 $585,000
    10834.52 1 $435,000 $435,000
    10848.2 1 $235,000 $235,000
    10862.36 1 $295,000 $295,000
    10864.4 1 $295,000 $295,000
    10892.19 1 $125,000 $125,000
    10927.76 1 $235,000 $235,000
    10965.0 1 $155,000 $155,000
    10980.6 1 $255,000 $255,000
    10986.71 1 $255,000 $255,000
    11045.25 1 $155,000 $155,000
    11104.0 2 $650,000 $325,000
    11113.4 1 $445,000 $445,000
    11184.0 1 $315,000 $315,000
    11195.63 1 $145,000 $145,000
    11198.0 1 $285,000 $285,000
    11207.0 1 $245,000 $245,000
    11277.45 1 $265,000 $265,000
    11302.48 1 $245,000 $245,000
    11314.12 1 $425,000 $425,000
    11354.1 1 $245,000 $245,000
    11377.68 2 $530,000 $265,000
    11379.38 1 $935,000 $935,000
    11409.33 1 $305,000 $305,000
    11414.0 1 $405,000 $405,000
    11422.4 1 $265,000 $265,000
    11430.0 1 $355,000 $355,000
    11433.32 1 $255,000 $255,000
    11437.84 1 $225,000 $225,000
    11464.25 1 $445,000 $445,000
    11510.8 1 $435,000 $435,000
    11529.2 1 $395,000 $395,000
    11565.69 1 $245,000 $245,000
    11568.0 1 $305,000 $305,000
    11701.01 1 $705,000 $705,000
    11711.75 1 $255,000 $255,000
    11724.16 1 $265,000 $265,000
    11745.92 1 $185,000 $185,000
    11755.96 1 $355,000 $355,000
    11759.0 1 $315,000 $315,000
    11763.95 1 $245,000 $245,000
    11787.26 1 $255,000 $255,000
    11792.5 1 $275,000 $275,000
    11793.2 1 $395,000 $395,000
    11794.33 1 $215,000 $215,000
    11795.02 1 $465,000 $465,000
    11797.43 1 $195,000 $195,000
    11862.4 1 $425,000 $425,000
    11878.75 1 $255,000 $255,000
    11940.6 1 $255,000 $255,000
    11970.0 1 $305,000 $305,000
    11995.0 1 $205,000 $205,000
    12000.0 1 $285,000 $285,000
    120245.0 1 $1,505,000 $1,505,000
    12031.0 1 $265,000 $265,000
    12053.38 1 $315,000 $315,000
    12056.2 1 $615,000 $615,000
    12114.0 1 $195,000 $195,000
    12196.05 1 $445,000 $445,000
    12203.92 1 $265,000 $265,000
    12205.48 1 $195,000 $195,000
    12243.0 1 $605,000 $605,000
    12258.45 1 $365,000 $365,000
    12263.19 1 $215,000 $215,000
    12273.92 1 $355,000 $355,000
    12293.86 1 $285,000 $285,000
    12330.0 1 $355,000 $355,000
    12345.0 1 $165,000 $165,000
    12405.35 1 $285,000 $285,000
    12409.14 1 $315,000 $315,000
    12410.4 1 $265,000 $265,000
    12420.25 1 $165,000 $165,000
    12432.0 1 $425,000 $425,000
    12441.5 1 $285,000 $285,000
    12467.5 1 $275,000 $275,000
    124866.6 1 $1,865,000 $1,865,000
    12515.0 1 $305,000 $305,000
    12555.0 1 $325,000 $325,000
    12557.5 3 $525,000 $175,000
    12579.27 1 $145,000 $145,000
    12584.0 1 $445,000 $445,000
    12622.88 1 $525,000 $525,000
    12623.13 1 $175,000 $175,000
    12627.2 1 $485,000 $485,000
    12641.2 1 $295,000 $295,000
    12659.0 1 $235,000 $235,000
    12674.0 1 $245,000 $245,000
    12702.84 1 $275,000 $275,000
    12717.81 1 $285,000 $285,000
    12724.68 1 $235,000 $235,000
    12745.0 1 $815,000 $815,000
    12746.75 1 $365,000 $365,000
    12758.3 1 $445,000 $445,000
    12768.89 2 $310,000 $155,000
    12795.0 1 $165,000 $165,000
    12839.44 1 $325,000 $325,000
    12856.25 1 $335,000 $335,000
    12871.0 1 $175,000 $175,000
    12969.4 1 $545,000 $545,000
    12987.8 1 $155,000 $155,000
    13008.58 1 $335,000 $335,000
    13008.99 1 $415,000 $415,000
    13009.73 1 $345,000 $345,000
    13043.19 1 $165,000 $165,000
    13082.4 1 $285,000 $285,000
    13097.63 1 $155,000 $155,000
    13098.16 1 $275,000 $275,000
    13110.2 1 $555,000 $555,000
    13138.0 1 $285,000 $285,000
    13148.0 1 $335,000 $335,000
    13151.0 1 $365,000 $365,000
    13156.31 1 $285,000 $285,000
    13167.4 1 $425,000 $425,000
    13181.0 1 $305,000 $305,000
    13189.0 1 $305,000 $305,000
    13239.05 1 $185,000 $185,000
    13244.0 1 $305,000 $305,000
    13245.0 1 $285,000 $285,000
    13276.37 1 $305,000 $305,000
    13283.69 1 $265,000 $265,000
    13294.0 1 $295,000 $295,000
    13304.65 1 $405,000 $405,000
    13313.1 1 $445,000 $445,000
    13339.7 1 $485,000 $485,000
    13421.8 1 $305,000 $305,000
    13422.5 1 $205,000 $205,000
    13496.13 1 $285,000 $285,000
    13509.0 1 $285,000 $285,000
    13518.84 1 $385,000 $385,000
    13534.36 1 $335,000 $335,000
    13548.19 1 $255,000 $255,000
    13574.0 1 $325,000 $325,000
    13586.5 1 $315,000 $315,000
    13609.0 1 $295,000 $295,000
    13615.31 1 $135,000 $135,000
    13624.0 1 $285,000 $285,000
    13640.9 1 $185,000 $185,000
    13669.0 1 $305,000 $305,000
    13742.5 1 $305,000 $305,000
    13770.0 1 $415,000 $415,000
    13824.6 1 $495,000 $495,000
    13827.0 1 $275,000 $275,000
    13871.38 1 $465,000 $465,000
    13892.47 1 $475,000 $475,000
    13895.0 1 $505,000 $505,000
    13904.25 1 $595,000 $595,000
    13918.38 1 $335,000 $335,000
    13950.71 1 $355,000 $355,000
    13969.5 1 $215,000 $215,000
    13992.2 1 $575,000 $575,000
    13993.0 1 $245,000 $245,000
    14024.6 1 $315,000 $315,000
    14044.0 1 $375,000 $375,000
    14064.0 1 $405,000 $405,000
    14154.0 1 $525,000 $525,000
    14171.88 1 $275,000 $275,000
    14223.38 1 $235,000 $235,000
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    4431.35 1 $255,000 $255,000
    44334.28 1 $1,765,000 $1,765,000
    4456.88 1 $245,000 $245,000
    44625.0 1 $845,000 $845,000
    45117.14 1 $845,000 $845,000
    45675.0 1 $845,000 $845,000
    4567.66 1 $125,000 $125,000
    45769.0 1 $1,505,000 $1,505,000
    4589.0 1 $125,000 $125,000
    45935.0 1 $585,000 $585,000
    45965.0 1 $1,055,000 $1,055,000
    4610.38 2 $570,000 $285,000
    4641.48 1 $105,000 $105,000
    46491.5 1 $995,000 $995,000
    4673.0 1 $105,000 $105,000
    4673.38 2 $250,000 $125,000
    46919.0 1 $1,355,000 $1,355,000
    4703.75 1 $995,000 $995,000
    47457.74 1 $1,015,000 $1,015,000
    4817.05 1 $105,000 $105,000
    4824.0 1 $105,000 $105,000
    4839.0 1 $155,000 $155,000
    49054.0 1 $1,285,000 $1,285,000
    49245.0 1 $1,055,000 $1,055,000
    4943.5 1 $135,000 $135,000
    4957.0 1 $205,000 $205,000
    49875.5 1 $825,000 $825,000
    5054.99 1 $195,000 $195,000
    5056.12 1 $115,000 $115,000
    5057.68 1 $285,000 $285,000
    5060.8 1 $105,000 $105,000
    5068.05 1 $115,000 $115,000
    51094.0 1 $1,305,000 $1,305,000
    5128.4 1 $145,000 $145,000
    5140.15 1 $155,000 $155,000
    51527.15 1 $515,000 $515,000
    5155.7 1 $115,000 $115,000
    5171.31 1 $135,000 $135,000
    51729.0 1 $1,165,000 $1,165,000
    5181.0 1 $105,000 $105,000
    5215.0 1 $205,000 $205,000
    52215.0 1 $905,000 $905,000
    52255.25 1 $1,235,000 $1,235,000
    52799.81 1 $755,000 $755,000
    5294.0 1 $115,000 $115,000
    53377.48 1 $1,545,000 $1,545,000
    53415.94 1 $885,000 $885,000
    5364.99 1 $125,000 $125,000
    5379.5 1 $205,000 $205,000
    5415.31 1 $175,000 $175,000
    5440.0 1 $205,000 $205,000
    5442.26 1 $115,000 $115,000
    5443.19 1 $125,000 $125,000
    5475.08 1 $285,000 $285,000
    55058.75 1 $795,000 $795,000
    5567.78 1 $175,000 $175,000
    5570.4 1 $185,000 $185,000
    5572.5 1 $275,000 $275,000
    5581.2 1 $175,000 $175,000
    5591.0 1 $205,000 $205,000
    5605.56 1 $75,000 $75,000
    56694.75 1 $695,000 $695,000
    56725.0 1 $1,265,000 $1,265,000
    5678.5 1 $135,000 $135,000
    5684.81 1 $155,000 $155,000
    56929.46 1 $3,605,000 $3,605,000
    5705.2 1 $165,000 $165,000
    5714.0 1 $205,000 $205,000
    5731.37 1 $195,000 $195,000
    57489.4 1 $1,345,000 $1,345,000
    5789.9 1 $135,000 $135,000
    5798.09 1 $125,000 $125,000
    5810.0 1 $125,000 $125,000
    5819.47 1 $135,000 $135,000
    58285.0 1 $1,225,000 $1,225,000
    5890.52 1 $155,000 $155,000
    5903.8 1 $145,000 $145,000
    5927.0 1 $105,000 $105,000
    5955.0 1 $155,000 $155,000
    5972.95 1 $145,000 $145,000
    6010.0 1 $215,000 $215,000
    6015.7 1 $315,000 $315,000
    60197.0 1 $1,115,000 $1,115,000
    6036.5 1 $225,000 $225,000
    6091.16 1 $75,000 $75,000
    6135.0 1 $155,000 $155,000
    6151.0 1 $325,000 $325,000
    6177.05 1 $145,000 $145,000
    6196.25 1 $225,000 $225,000
    61971.0 1 $1,005,000 $1,005,000
    62079.9 1 $1,495,000 $1,495,000
    6230.0 1 $155,000 $155,000
    6248.2 1 $185,000 $185,000
    62539.56 1 $835,000 $835,000
    6282.5 1 $245,000 $245,000
    6286.56 1 $155,000 $155,000
    63065.52 1 $725,000 $725,000
    63078.5 1 $1,495,000 $1,495,000
    6327.41 1 $115,000 $115,000
    6329.74 1 $215,000 $215,000
    6340.6 1 $125,000 $125,000
    6354.8 1 $145,000 $145,000
    6356.55 1 $165,000 $165,000
    6375.89 1 $245,000 $245,000
    6396.06 1 $265,000 $265,000
    63990.0 1 $1,125,000 $1,125,000
    6418.9 1 $185,000 $185,000
    6421.0 1 $195,000 $195,000
    6467.3 1 $235,000 $235,000
    6468.91 1 $155,000 $155,000
    6516.7 1 $165,000 $165,000
    6530.0 1 $155,000 $155,000
    6540.12 1 $165,000 $165,000
    65575.0 1 $1,445,000 $1,445,000
    6566.7 1 $165,000 $165,000
    6576.93 1 $195,000 $195,000
    65818.97 1 $1,495,000 $1,495,000
    6595.0 1 $145,000 $145,000
    6602.64 1 $115,000 $115,000
    6664.58 1 $145,000 $145,000
    6681.42 1 $145,000 $145,000
    6691.31 8 $1,320,000 $165,000
    6715.75 1 $215,000 $215,000
    6717.38 1 $235,000 $235,000
    6732.5 1 $185,000 $185,000
    6733.51 1 $155,000 $155,000
    6736.0 1 $225,000 $225,000
    6744.02 2 $350,000 $175,000
    6766.61 1 $175,000 $175,000
    6787.4 1 $115,000 $115,000
    6843.94 1 $155,000 $155,000
    6852.87 1 $145,000 $145,000
    68644.0 1 $1,165,000 $1,165,000
    6871.53 1 $225,000 $225,000
    6894.0 1 $305,000 $305,000
    6906.01 1 $215,000 $215,000
    6914.16 1 $185,000 $185,000
    6920.0 1 $265,000 $265,000
    6936.5 1 $175,000 $175,000
    70145.0 1 $1,185,000 $1,185,000
    7060.89 1 $145,000 $145,000
    7065.6 1 $165,000 $165,000
    7069.25 1 $225,000 $225,000
    70694.0 1 $1,505,000 $1,505,000
    7106.3 1 $235,000 $235,000
    7141.65 1 $285,000 $285,000
    7156.32 1 $185,000 $185,000
    7162.9 1 $165,000 $165,000
    7176.68 1 $155,000 $155,000
    7190.0 1 $165,000 $165,000
    7268.75 1 $175,000 $175,000
    7275.53 1 $155,000 $155,000
    7294.94 1 $245,000 $245,000
    7314.0 1 $195,000 $195,000
    7341.0 2 $440,000 $220,000
    7344.5 1 $155,000 $155,000
    7358.0 1 $185,000 $185,000
    7361.9 1 $325,000 $325,000
    7365.77 1 $175,000 $175,000
    7434.38 1 $95,000 $95,000
    7457.4 1 $165,000 $165,000
    7471.38 1 $85,000 $85,000
    7478.16 1 $195,000 $195,000
    7529.0 1 $205,000 $205,000
    7529.8 1 $245,000 $245,000
    7545.88 1 $245,000 $245,000
    7552.5 1 $325,000 $325,000
    75564.5 1 $1,955,000 $1,955,000
    7593.44 1 $265,000 $265,000
    7598.0 1 $285,000 $285,000
    7623.5 1 $295,000 $295,000
    7642.5 2 $450,000 $225,000
    7658.25 1 $255,000 $255,000
    7660.87 1 $125,000 $125,000
    7673.26 1 $255,000 $255,000
    7702.66 1 $265,000 $265,000
    7709.6 1 $305,000 $305,000
    7745.04 1 $195,000 $195,000
    7751.09 1 $255,000 $255,000
    7763.27 1 $125,000 $125,000
    7769.91 1 $165,000 $165,000
    7771.65 1 $165,000 $165,000
    7794.0 1 $105,000 $105,000
    7803.9 1 $285,000 $285,000
    7811.2 1 $255,000 $255,000
    78116.0 1 $1,275,000 $1,275,000
    78360.0 1 $1,045,000 $1,045,000
    7864.5 1 $205,000 $205,000
    7867.75 1 $215,000 $215,000
    7934.2 1 $255,000 $255,000
    7957.06 1 $165,000 $165,000
    7975.25 1 $195,000 $195,000
    7985.7 1 $365,000 $365,000
    7987.6 1 $325,000 $325,000
    7994.5 1 $165,000 $165,000
    8000.4 1 $105,000 $105,000
    8035.98 1 $175,000 $175,000
    8040.0 1 $195,000 $195,000
    8055.16 1 $205,000 $205,000
    8075.63 1 $105,000 $105,000
    8093.29 1 $175,000 $175,000
    8109.83 1 $395,000 $395,000
    8119.0 1 $305,000 $305,000
    8132.1 1 $215,000 $215,000
    8139.55 1 $205,000 $205,000
    8146.0 1 $105,000 $105,000
    8147.44 1 $205,000 $205,000
    8155.13 1 $255,000 $255,000
    8161.32 1 $185,000 $185,000
    8207.05 1 $585,000 $585,000
    8219.0 1 $185,000 $185,000
    8223.0 1 $285,000 $285,000
    82290.0 1 $1,365,000 $1,365,000
    8276.8 1 $205,000 $205,000
    8286.26 1 $245,000 $245,000
    8297.48 1 $205,000 $205,000
    8317.5 1 $225,000 $225,000
    8349.41 1 $105,000 $105,000
    8354.8 1 $195,000 $195,000
    8357.1 1 $185,000 $185,000
    8359.4 1 $185,000 $185,000
    8387.73 1 $325,000 $325,000
    8397.8 1 $295,000 $295,000
    8408.75 1 $295,000 $295,000
    8417.36 1 $335,000 $335,000
    8438.41 1 $175,000 $175,000
    8448.2 1 $425,000 $425,000
    8451.8 1 $215,000 $215,000
    8491.4 1 $425,000 $425,000
    8494.0 1 $205,000 $205,000
    8497.0 1 $285,000 $285,000
    8506.64 1 $165,000 $165,000
    8519.32 1 $205,000 $205,000
    8519.51 1 $225,000 $225,000
    8522.69 1 $185,000 $185,000
    8523.5 1 $165,000 $165,000
    8528.76 1 $465,000 $465,000
    8531.44 1 $245,000 $245,000
    8549.85 1 $145,000 $145,000
    8571.75 1 $275,000 $275,000
    8583.21 1 $195,000 $195,000
    85995.0 1 $1,205,000 $1,205,000
    8610.78 1 $205,000 $205,000
    8614.0 1 $205,000 $205,000
    8643.0 1 $315,000 $315,000
    8661.14 1 $295,000 $295,000
    8674.51 1 $595,000 $595,000
    8677.4 1 $225,000 $225,000
    8684.75 1 $175,000 $175,000
    8699.13 1 $185,000 $185,000
    8705.0 1 $105,000 $105,000
    8712.42 1 $295,000 $295,000
    8723.67 1 $265,000 $265,000
    8731.0 1 $425,000 $425,000
    8798.97 1 $255,000 $255,000
    8838.72 1 $105,000 $105,000
    8840.38 1 $505,000 $505,000
    8858.7 1 $535,000 $535,000
    8865.0 1 $305,000 $305,000
    8871.68 1 $265,000 $265,000
    8874.62 1 $255,000 $255,000
    8878.22 1 $255,000 $255,000
    8900.25 1 $145,000 $145,000
    8914.25 1 $365,000 $365,000
    8927.18 1 $195,000 $195,000
    8938.0 1 $365,000 $365,000
    8942.5 1 $255,000 $255,000
    8943.63 1 $335,000 $335,000
    8944.5 1 $305,000 $305,000
    8960.8 1 $205,000 $205,000
    8969.0 1 $255,000 $255,000
    8989.5 1 $455,000 $455,000
    8991.5 1 $315,000 $315,000
    9009.95 1 $155,000 $155,000
    9010.53 1 $145,000 $145,000
    9030.0 1 $355,000 $355,000
    9092.0 1 $205,000 $205,000
    9126.41 1 $215,000 $215,000
    9132.63 1 $285,000 $285,000
    9187.13 1 $675,000 $675,000
    9208.27 1 $455,000 $455,000
    9330.0 1 $225,000 $225,000
    9351.0 1 $125,000 $125,000
    9357.5 1 $205,000 $205,000
    9395.0 1 $205,000 $205,000
    9420.64 1 $215,000 $215,000
    9441.9 1 $205,000 $205,000
    9444.88 1 $305,000 $305,000
    9447.92 1 $295,000 $295,000
    9465.72 1 $145,000 $145,000
    9484.0 1 $295,000 $295,000
    9509.8 1 $445,000 $445,000
    9513.0 1 $685,000 $685,000
    9519.0 1 $155,000 $155,000
    9529.13 1 $345,000 $345,000
    9537.2 1 $295,000 $295,000
    9538.38 1 $125,000 $125,000
    9563.2 1 $255,000 $255,000
    9610.57 1 $145,000 $145,000
    9611.04 1 $125,000 $125,000
    9664.5 1 $265,000 $265,000
    9665.01 1 $205,000 $205,000
    9711.02 1 $115,000 $115,000
    9716.2 1 $225,000 $225,000
    9717.0 1 $225,000 $225,000
    9735.99 1 $325,000 $325,000
    97495.0 1 $2,005,000 $2,005,000
    9799.1 1 $415,000 $415,000
    9800.01 1 $255,000 $255,000
    9809.21 1 $205,000 $205,000
    9814.52 1 $305,000 $305,000
    9818.86 1 $205,000 $205,000
    9857.75 1 $265,000 $265,000
    9861.25 1 $525,000 $525,000
    9870.0 1 $155,000 $155,000
    9871.46 1 $365,000 $365,000
    9951.0 1 $365,000 $365,000
    NA 5,176 $2,213,130,000 $427,575

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    6,219 $2,653,695,000 $426,708

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 171 $50,185,000 $293,480 $9,374 5.11%
    40-60% 614 $245,830,000 $400,375 $11,330 5.39%
    60-80% 1,971 $915,415,000 $464,442 $14,781 6.21%
    80-100% 3,010 $1,422,980,000 $472,751 $15,941 5.72%
    Over 100% 24 $10,820,000 $450,833 $19,391 5.55%
    Under 20% 429 $8,465,000 $19,732 $276 4.41%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    Ocwen Financial Corporation Conventional home mortgage Closing on a mortgage 1 3.4%
    Ocwen Financial Corporation Conventional home mortgage Struggling to pay mortgage 9 31.0%
    Ocwen Financial Corporation Conventional home mortgage Trouble during payment process 7 24.1%
    Ocwen Financial Corporation FHA mortgage Closing on a mortgage 1 3.4%
    Ocwen Financial Corporation FHA mortgage Problem with a credit reporting company's investigation into an existing problem 1 3.4%
    Ocwen Financial Corporation FHA mortgage Struggling to pay mortgage 3 10.3%
    Ocwen Financial Corporation FHA mortgage Trouble during payment process 3 10.3%
    Ocwen Financial Corporation Reverse mortgage Struggling to pay mortgage 1 3.4%
    Ocwen Financial Corporation Reverse mortgage Trouble during payment process 2 6.9%
    Ocwen Financial Corporation VA mortgage Trouble during payment process 1 3.4%