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We analyzed every closed loan from Ocmbc — 8.4k loans across 15k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo
Place
Strong
National · 49 mkts
Safe Rate Awards⭐VA Superstar
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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
Explore another lender or local market
Report Card
Ocmbc, Inc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +66.5 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 5,224 | 62.4% | +0.812%Above | $5,224Fees | ||||
FHA Loans | 2,521 | 30.1% | +0.620%Above | $3,130Fees | ||||
VA Loans | 200 | 2.4% | -0.262%Below | $2,709Fees | ||||
Jumbo Loans | 424 | 5.1% | +0.934%Above | $4,278Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 6,463 | 77.2% | +0.698%Above | $3,898Fees | ||||
Refinance | 1,909 | 22.8% | +0.518%Above | $3,901Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
8,372
Applications
14,753
Volume
$3 billion
Pricing & Closing
Avg Rate Spread
+0.665%
vs. market APOR
Avg Net Fees
$3,899
Origination − Credits
Pullthrough Rate
56.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$454,050
Avg Borrower Income
$232,390
Avg Property Value
$648,206
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
48
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNHNJNMNVOHOKORPARISCSDTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 1,671Mix: 19.96%of portfolio
Place
Exceptional2
Riverside, CAMSA
Volume: 1,452Mix: 17.34%of portfolio
Place
Exceptional3
Bakersfield, CAMSA
Volume: 216Mix: 2.58%of portfolio
Place
Exceptional4
Anaheim, CAMSA
Volume: 230Mix: 2.75%of portfolio
Place
Strong5
Oxnard, CAMSA
Volume: 100Mix: 1.19%of portfolio
Place
Strong6
Las Vegas, NVMSA
Volume: 179Mix: 2.14%of portfolio
Place
Strong7
San Diego, CAMSA
Volume: 168Mix: 2.01%of portfolio
Place
Strong8
Houston, TXMSA
Volume: 238Mix: 2.84%of portfolio
Place
Strong9
Chicago, ILMSA
Volume: 200Mix: 2.39%of portfolio
Place
Strong10
Oakland, CAMSA
Volume: 107Mix: 1.28%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 4,583Mix: 54.74%of portfolio
Place
Exceptional2
NVState
Volume: 197Mix: 2.35%of portfolio
Place
Strong3
FLState
Volume: 679Mix: 8.11%of portfolio
Place
Strong4
TXState
Volume: 548Mix: 6.55%of portfolio
Place
Strong5
MDState
Volume: 254Mix: 3.03%of portfolio
Place
Strong6
ILState
Volume: 261Mix: 3.12%of portfolio
Place
Strong7
AZState
Volume: 241Mix: 2.88%of portfolio
Place
Strong8
GAState
Volume: 218Mix: 2.60%of portfolio
Place
Strong9
MAState
Volume: 170Mix: 2.03%of portfolio
Place
Strong10
VAState
Volume: 139Mix: 1.66%of portfolio
Place
StrongShowing 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.