# OCMBC, INC.

> **Canonical URL:** https://saferate.com/lenders/ocmbc


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


OCMBC, INC. is a independent mortgage company, headquartered in Glendale, CA, serving borrowers nationwide, with 8,372 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 79% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300J7I82PNDVU8H22
- **Headquarters:** Glendale, CA
- **Geographic Reach:** National
- **States Served:** 48
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** wholesale
- **Direct Origination:** 0.3%
- **Brokered/Wholesale:** 99.7%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.665%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,899
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 8,372
- **Dollar Volume:** $3.8 billion
- **Applications Received:** 14,753
- **Market Share:** 24.00%

## Typical Borrower Profile

- **Average Loan Amount:** $454,050
- **Average Borrower Income:** $232,390
- **Average Property Value:** $648,206

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **VA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 79/100 | 5,224 | +0.812% | $5,224 | Strong 😀 |
| FHA | 87/100 | 2,521 | +0.620% | $3,130 | Exceptional 🤩 |
| VA | 76/100 | 200 | -0.262% | $2,709 | Strong 😀 |
| Jumbo | 87/100 | 424 | +0.934% | $4,278 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,738 loans, Score: 78/100 (Strong)
- Refinance: 1,486 loans, Score: 80/100 (Exceptional)

**FHA:**
- Purchase: 2,227 loans, Score: 87/100 (Exceptional)
- Refinance: 294 loans, Score: 83/100 (Exceptional)

**VA:**
- Purchase: 177 loans, Score: 76/100 (Strong)
- Refinance: 23 loans, Score: 75/100 (Strong)

**Jumbo:**
- Purchase: 318 loans, Score: 86/100 (Exceptional)
- Refinance: 106 loans, Score: 87/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 81/100 | 6,463 | $3.0B | +0.698% | Exceptional 🤩 |
| Refinance | 81/100 | 1,909 | $794M | +0.518% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 4,583 | 1.61% | 90/100 |
| FL | 679 | 0.23% | 71/100 |
| TX | 548 | 0.16% | 70/100 |
| IL | 261 | 0.21% | 67/100 |
| MD | 254 | 0.36% | 69/100 |
| AZ | 241 | 0.24% | 67/100 |
| GA | 218 | 0.16% | 64/100 |
| NV | 197 | 0.49% | 71/100 |
| MA | 170 | 0.28% | 64/100 |
| VA | 139 | 0.13% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 1,671 | 94/100 |
| Riverside | CA | 1,452 | 91/100 |
| Houston | TX | 238 | 68/100 |
| Anaheim | CA | 230 | 76/100 |
| Bakersfield | CA | 216 | 80/100 |
| Non |  | 213 | 53/100 |
| Chicago | IL | 200 | 67/100 |
| Phoenix | AZ | 193 | 66/100 |
| Las Vegas | NV | 179 | 72/100 |
| San Diego | CA | 168 | 69/100 |
| Atlanta | GA | 138 | 64/100 |
| Sacramento | CA | 122 | 64/100 |
| Baltimore | MD | 113 | 64/100 |
| Dallas | TX | 107 | 60/100 |
| Oakland | CA | 107 | 67/100 |

## Where This Lender Ranks

OCMBC, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#9** in Hanford for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#10** in Orlando for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#10** in San Jose for FHA Loans
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/fha-loans)
- 🏆 **#10** in San Jose for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#10** in Salinas, CA for FHA Loans
  - [View Full Rankings](https://saferate.com/salinas-ca/best-mortgage-lenders/fha-loans)
- 🏆 **#10** in Salinas, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salinas-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#10** in Hanford for VA Loans
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/va-loans)
- 🏆 **#11** in Anaheim for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Bakersfield Mortgage Companies
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders/mortgage-companies)
- 🏆 **#11** in Hanford Mortgage Companies
  - [View Full Rankings](https://saferate.com/hanford/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Los Angeles Mortgage Companies
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Oxnard for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#12** in Salinas, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/salinas-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#13** in California for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in Los Angeles for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in Los Angeles for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#13** in Anaheim for FHA Loans
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/fha-loans)
- 🏆 **#13** in Bakersfield for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in Modesto, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in Laredo, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/laredo-tx/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does OCMBC, INC. offer?

OCMBC, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does OCMBC, INC. offer mortgages?

OCMBC, INC. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are OCMBC, INC.'s mortgage rates?

OCMBC, INC. has a pricing score of 21/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.665% above market average.

### What type of lender is OCMBC, INC.?

OCMBC, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Glendale, CA.

### What is OCMBC, INC.'s loan approval success rate?

OCMBC, INC. has a pull-through score of 64/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/ocmbc

### How to Cite

> "OCMBC, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ocmbc

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