We analyzed every closed loan from OCMBC — 8.4k loans across 15k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
National · 49 mkts
Awards
FHA
Superstar
VA
Superstar
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 performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+66.5 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders
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 |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume5,224
Mix62.4%
Spread
+0.812%Above
Fees
$5,224Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume2,521
Mix30.1%
Spread
+0.620%Above
Fees
$3,130Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume200
Mix2.4%
Spread
-0.262%Below
Fees
$2,709Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughSound
Volume424
Mix5.1%
Spread
+0.934%Above
Fees
$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 |
Purchase
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughSound
Volume6,463
Mix77.2%
Spread
+0.698%Above
Fees
$3,898Fees
Refinance
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughSound
Volume1,909
Mix22.8%
Spread
+0.518%Above
Fees
$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
markets with activity
States Served
48
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
48Northeast7
CTMEMANHNJPARI
Midwest11
IAILINKSMIMNMONDOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 1,671Mix 19.96% of portfolio
94/100
Exceptional
Volume 1,452Mix 17.34% of portfolio
91/100
Exceptional
Volume 216Mix 2.58% of portfolio
80/100
Exceptional
Volume 230Mix 2.75% of portfolio
76/100
Strong
Volume 100Mix 1.19% of portfolio
73/100
Strong
Volume 179Mix 2.14% of portfolio
72/100
Strong
Volume 168Mix 2.01% of portfolio
69/100
Strong
Volume 238Mix 2.84% of portfolio
68/100
Strong
Volume 200Mix 2.39% of portfolio
67/100
Strong
Volume 107Mix 1.28% of portfolio
67/100
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
CaliforniaState
Volume 4,583Mix 54.74% of portfolio
90/100
Exceptional2
NevadaState
Volume 197Mix 2.35% of portfolio
71/100
Strong3
FloridaState
Volume 679Mix 8.11% of portfolio
71/100
Strong4
TexasState
Volume 548Mix 6.55% of portfolio
70/100
Strong5
MarylandState
Volume 254Mix 3.03% of portfolio
69/100
Strong6
IllinoisState
Volume 261Mix 3.12% of portfolio
67/100
Strong7
ArizonaState
Volume 241Mix 2.88% of portfolio
67/100
Strong8
GeorgiaState
Volume 218Mix 2.60% of portfolio
64/100
Strong9
MassachusettsState
Volume 170Mix 2.03% of portfolio
64/100
Strong10
VirginiaState
Volume 139Mix 1.66% of portfolio
62/100
StrongShowing 10 of 35 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.