Lender in California · HMDA 2025
Ocmbc, Inc. mortgages in California
Ocmbc, Inc.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Ocmbc, Inc. originated 5,384 owner-occupied single-family loans in California from 7,367 completed applications, making it the state's #11 lender by volume.
Its median conventional purchase loan costs were $14,670 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.875% (California: 6.625%).
Loans in CA
5,384
of 7,367 applications
Denial rate
5.7%
Purchase · CA 8.9%
Rate spread
+0.70 pts
Conv. · CA +0.09 pts
Loan amount
$525,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 4,757 | 3,641 | 5.7% | 6.875% | +0.70 pts | $14,670 | $525,000 |
| Refinance | 991 | 641 | 6.2% | 6.750% | +0.38 pts | $13,970 | $575,000 |
| Cash-out refinance | 1,619 | 1,102 | 9.4% | 7.750% | +1.50 pts | $10,580 | $355,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Ocmbc, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Los Angeles County | 3 | 1,920 | 3.6% |
| San Bernardino County | 3 | 963 | 4.8% |
| Riverside County | 4 | 842 | 3.1% |
| Kern County | 9 | 200 | 2.2% |
| Ventura County | 11 | 116 | 1.7% |
| Inyo County | 12 | 2 | 1.8% |
| Orange County | 15 | 264 | 1.2% |
| Monterey County | 16 | 34 | 1.5% |
| Imperial County | 16 | 17 | 1.5% |
| Kings County | 18 | 16 | 1.0% |
| Stanislaus County | 20 | 53 | 1.1% |
| Tulare County | 20 | 43 | 1.0% |
| Merced County | 20 | 23 | 1.0% |
| Lake County | 20 | 6 | 1.1% |
| Fresno County | 21 | 72 | 0.9% |
| Calaveras County | 21 | 6 | 1.0% |
| Mendocino County | 21 | 5 | 1.0% |
| San Benito County | 23 | 7 | 1.0% |
| San Diego County | 24 | 217 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology