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
Promptness
Not enough data
—/5
No quote responses measured yet
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
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
5,224 loans · 0.81% above market
Strong
Top 40% of lenders
4/5
FHA
2,521 loans · 0.62% above market
Exceptional
Top 20% of lenders
5/5
VA
200 loans · 0.26% below market
Strong
Top 40% of lenders
4/5
Jumbo
424 loans · 0.93% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
6,463 loans · 0.70% above market
Exceptional
Top 20% of lenders
5/5
Refinance
1,909 loans · 0.52% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders
4/5
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
48Full-year 2024 · HMDALoans originated
< 2020–5050–200200+None
Northeast7
CTMEMANHNJPARI
Midwest11
IAILINKSMIMNMONDOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 35 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.