Purchase Originations
6,988
Ranked #60 nationally
Median Total Costs
$14,883
+122.8% vs national ($6,680)
↓ $531 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$6,985
Median Lender Credits
$2,224
Cost Rank (500+ vol.)
#607
among lenders with 500+ originations
Denial Rate
9.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 4,149 | 7.250% | $13,558 | $9,425 |
| fha | 2,583 | 6.250% | $17,033 | $3,510 |
| va | 253 | 6.125% | $8,149 | $1,495 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 3,726 | 6.500% | $16,715 | #10 |
| Florida | 620 | 7.125% | $15,464 | #75 |
| Texas | 476 | 7.375% | $13,171 | #117 |
| Maryland | 236 | 7.500% | $13,989 | #54 |
| Illinois | 209 | 7.250% | $11,418 | #90 |
| Arizona | 164 | 6.999% | $13,508 | #80 |
| Georgia | 161 | 6.750% | $13,035 | #113 |
| Nevada | 140 | 7.062% | $14,116 | #52 |
| Massachusetts | 129 | 7.250% | $14,830 | #75 |
| Virginia | 125 | 7.499% | $13,166 | #113 |
| Michigan | 87 | 7.250% | $7,265 | #117 |
| Colorado | 85 | 7.499% | $14,390 | #116 |
| New Jersey | 72 | 7.250% | $16,780 | #132 |
| Washington | 70 | 6.875% | $13,927 | #129 |
| Tennessee | 64 | 6.750% | $11,068 | #164 |
| North Carolina | 62 | 7.562% | $12,260 | #186 |
| Pennsylvania | 60 | 7.125% | $10,744 | #197 |
| Indiana | 40 | 7.000% | $8,867 | — |
| Alabama | 38 | 6.937% | $8,918 | — |
| Missouri | 38 | 7.499% | $11,363 | — |
| Oregon | 37 | 6.750% | $14,710 | — |
| South Carolina | 37 | 6.875% | $10,408 | — |
| Connecticut | 36 | 7.562% | $12,257 | — |
| Ohio | 35 | 7.750% | $10,378 | — |
| Louisiana | 34 | 6.875% | $10,208 | — |
| Utah | 33 | 6.875% | $11,073 | — |
| Minnesota | 23 | 7.500% | $10,678 | — |
| Rhode Island | 19 | 7.250% | $17,545 | — |
| Wisconsin | 19 | 7.625% | $9,081 | — |
| Idaho | 17 | 6.499% | $15,934 | — |
| Oklahoma | 14 | 6.625% | $10,908 | — |
| Kansas | 12 | 7.688% | $10,505 | — |
| Arkansas | 11 | 6.750% | $6,810 | — |
| Delaware | 7 | 6.750% | $11,410 | — |
| Kentucky | 7 | 6.875% | $9,464 | — |
| Mississippi | 7 | 7.750% | $8,753 | — |
| Alaska | 6 | 6.938% | $8,407 | — |
| New Mexico | 6 | 6.374% | $12,956 | — |
| North Dakota | 4 | 7.250% | $12,010 | — |
| New Hampshire | 4 | 7.312% | $20,126 | — |
| West Virginia | 4 | 6.500% | $11,931 | — |
| District of Columbia | 3 | 6.875% | $14,000 | — |
| Montana | 3 | 6.750% | $12,125 | — |
| Hawaii | 2 | 5.500% | $9,617 | — |
| Maine | 2 | 7.000% | $6,394 | — |
| Nebraska | 2 | 7.374% | $8,535 | — |
| Wyoming | 2 | 8.250% | $7,444 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $11,211 | 7.437% | — | 132 | −$3,672 | |
| 2 | $12,105 | 7.499% | — | 118 | −$2,778 | |
| 3 | $12,472 | 6.500% | — | 68 | −$2,411 | |
| 4 | $12,720 | 6.625% | — | 172 | −$2,163 | |
| 5 | $12,873 | 7.874% | — | 46 | −$2,010 | |
| 6 | $13,219 | 6.562% | — | 52 | −$1,664 | |
| 7 | $13,638 | 6.500% | — | 52 | −$1,245 | |
| 8 | $13,861 | 6.999% | — | 116 | −$1,022 | |
| 9 | $14,362 | 6.999% | — | 107 | −$521 | |
| 10 | $14,380 | 6.812% | — | 54 | −$503 | |
| 11 | $14,451 | 6.812% | — | 62 | −$432 | |
| 12 | $14,623 | 6.750% | — | 55 | −$260 | |
| 13 | $16,102 | 6.375% | — | 748 | +$1,219 | |
| 14 | $16,928 | 6.500% | — | 654 | +$2,045 | |
| 15 | $18,420 | 6.625% | — | 133 | +$3,537 | |
| 16 | $18,999 | 7.125% | — | 78 | +$4,116 | |
| 17 | $19,108 | 6.500% | — | 1,175 | +$4,225 | |
| 18 | $19,533 | 6.499% | — | 80 | +$4,650 | |
| 19 | $19,618 | 6.625% | — | 147 | +$4,735 | |
| 20 | $21,756 | 7.499% | — | 101 | +$6,873 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | OCMBC, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $425,000 | $335,000 | +$90,000 (+26.9%) |
| Median total closing costs | $14,883 | $7,127 | +$7,756 (+108.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.