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OCMBC, INC.
Independent Mortgage Company|Glendale, CA|National
Loans Originated
8,372
Applications
14,753
Volume
$3 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.665%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,899
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
56.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 67 basis points above market average
Report Card
OCMBC, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | National · 50 metro areas · 48 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$454,050
Average Borrower Income
$232,390
Average Property Value
$648,206
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Strong | Mediocre | Sound | 5,224 | 62.4% | +0.812% | $5,224 |
FHA Loans | Sound | Exceptional | Acceptable | Strong | 2,521 | 30.1% | +0.620% | $3,130 |
VA Loans | Strong | Strong | Sound | Strong | 200 | 2.4% | -0.262% | $2,709 |
Jumbo Loans | Acceptable | Exceptional | Mediocre | Sound | 424 | 5.1% | +0.934% | $4,278 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Sound | 6,463 | 77.2% | +0.698% | $3,898 |
Refinance | Sound | Exceptional | Acceptable | Sound | 1,909 | 22.8% | +0.518% | $3,901 |
Geographic Coverage
Metro Areas
49
States Served
48
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNHNJNMNVOHOKORPARISCSDTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 1,671Mix: 19.96%
Place Specialization
Exceptional
2
Riverside, CAMSA
Volume: 1,452Mix: 17.34%
Place Specialization
Exceptional
3
Bakersfield, CAMSA
Volume: 216Mix: 2.58%
Place Specialization
Exceptional
4
Anaheim, CAMSA
Volume: 230Mix: 2.75%
Place Specialization
Strong
5
Oxnard, CAMSA
Volume: 100Mix: 1.19%
Place Specialization
Strong
6
Las Vegas, NVMSA
Volume: 179Mix: 2.14%
Place Specialization
Strong
7
San Diego, CAMSA
Volume: 168Mix: 2.01%
Place Specialization
Strong
8
Houston, TXMSA
Volume: 238Mix: 2.84%
Place Specialization
Strong
9
Chicago, ILMSA
Volume: 200Mix: 2.39%
Place Specialization
Strong
10
Oakland, CAMSA
Volume: 107Mix: 1.28%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 4,583Mix: 54.74%
Place Specialization
Exceptional
2
NVState
Volume: 197Mix: 2.35%
Place Specialization
Strong
3
FLState
Volume: 679Mix: 8.11%
Place Specialization
Strong
4
TXState
Volume: 548Mix: 6.55%
Place Specialization
Strong
5
MDState
Volume: 254Mix: 3.03%
Place Specialization
Strong
6
ILState
Volume: 261Mix: 3.12%
Place Specialization
Strong
7
AZState
Volume: 241Mix: 2.88%
Place Specialization
Strong
8
GAState
Volume: 218Mix: 2.60%
Place Specialization
Strong
9
MAState
Volume: 170Mix: 2.03%
Place Specialization
Strong
10
VAState
Volume: 139Mix: 1.66%
Place Specialization
Strong
Showing 10 of 35 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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