Ocmbc, Inc. mortgage approval rate & lending review
Ocmbc, Inc. decided 54,881 mortgage applications and funded 35,819 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ocmbc, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to ocmbc.com.
This lender is broker only. It does not take applications from borrowers directly; you would reach it through a mortgage broker.
Ocmbc, Inc. at a glance
Approval is 1.6 points above the 81.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 86% | 22,125 / 25,825 | 82% | $445K | 18,085 |
| Cash-out refinance | 80% | 5,596 / 6,956 | 74% | $335K | 4,125 |
| Refinance | 85% | 2,387 / 2,794 | 67% | $515K | 1,594 |
| Investment property purchase | 84% | 7,113 / 8,441 | 80% | $275K | 5,713 |
| Investment cash-out refinance | 80% | 6,397 / 8,004 | 74% | $255K | 4,756 |
| Investment refinance | 77% | 2,206 / 2,861 | 70% | $305K | 1,546 |
Ocmbc, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 90% | $495K | 24,121 | 16,749 |
| Florida | 75% | $335K | 6,041 | 3,621 |
| Texas | 81% | $235K | 4,745 | 2,900 |
| Maryland | 75% | $265K | 2,208 | 1,328 |
| Illinois | 74% | $255K | 1,767 | 1,097 |
| Arizona | 82% | $305K | 1,629 | 1,105 |
| Georgia | 83% | $265K | 1,612 | 978 |
| Nevada | 82% | $345K | 1,331 | 873 |
| Massachusetts | 81% | $435K | 1,108 | 738 |
| New Jersey | 79% | $435K | 839 | 459 |
| Colorado | 86% | $405K | 785 | 540 |
| Virginia | 76% | $355K | 734 | 495 |
| Michigan | 75% | $195K | 630 | 367 |
| North Carolina | 81% | $235K | 605 | 382 |
| Pennsylvania | 79% | $185K | 583 | 371 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Ocmbc, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Mortgage lenders | 94% | 4,342 | 3,332 |
| San Bernardino County, CA | Mortgage lenders | 96% | 2,618 | 1,920 |
| Riverside County, CA | Mortgage lenders | 93% | 2,288 | 1,664 |
| Los Angeles County, CA | Cash-out refinance | 90% | 1,699 | 1,096 |
| Los Angeles County, CA | Investment cash-out refinance | 89% | 1,137 | 726 |
| Kern County, CA | Mortgage lenders | 93% | 712 | 532 |
| Los Angeles County, CA | Investment property purchase | 91% | 669 | 468 |
| Los Angeles County, CA | Refinance | 94% | 673 | 440 |
| Cook County, IL | Mortgage lenders | 69% | 675 | 409 |
| Harris County, TX | Mortgage lenders | 85% | 581 | 391 |
| Orange County, CA | Mortgage lenders | 90% | 513 | 369 |
| San Bernardino County, CA | Cash-out refinance | 92% | 520 | 325 |
The county markets where Ocmbc, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Ocmbc, Inc.
What is Ocmbc, Inc.'s mortgage approval rate?
Ocmbc, Inc. approved 83.5% of the 54,881 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.6 points above the 81.9% national rate for the same mix of loan types.
How often do borrowers take the loan Ocmbc, Inc. offers?
Borrowers accepted 78% of the loans Ocmbc, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Ocmbc, Inc. make?
The typical home purchase mortgage loan Ocmbc, Inc. made was $445K; across all loan types its typical loan ran from $255K to $515K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ocmbc, Inc. lend?
Ocmbc, Inc. decided applications in 49 of the states Fat Boy Data covers, most of them in California, Florida and Texas.
Can I apply to Ocmbc, Inc. directly?
No. Ocmbc, Inc. is a wholesale lender: it funds loans that mortgage brokers bring to it and does not take applications from borrowers directly. Its website is ocmbc.com.
Does this page show Ocmbc, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Ocmbc, Inc. treats applications, then get a rate quote from the lender.