OCMBC in California vs the state
6.1%Denial rate-11.30 pts vs state
7.4%Decision denial rate-15.02 pts vs state
60.2%Origination rate+3.98 pts vs state
6.75%Median rate+0.13 pts vs state
0.57Rate spread (pts)+0.29 pts vs state
$156kMedian applicant income
7,327Loans originated
745Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6,694 | 3,786 | 12.3% | 7.25% | #26 |
| 2024 | 9,820 | 5,827 | 8.9% | 7.00% | #20 |
| 2025 | 12,176 | 7,327 | 6.1% | 6.75% | #18 |
What OCMBC lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 4,320 | 2,632 | 188 | 4.4% |
| San Bernardino County | 1,888 | 1,192 | 72 | 3.8% |
| Riverside County | 1,785 | 1,109 | 91 | 5.1% |
| Orange County | 596 | 343 | 41 | 6.9% |
| San Diego County | 542 | 296 | 53 | 9.8% |
| Kern County | 534 | 321 | 26 | 4.9% |
| Ventura County | 265 | 157 | 17 | 6.4% |
| Sacramento County | 242 | 145 | 22 | 9.1% |
| Contra Costa County | 186 | 105 | 23 | 12.4% |
| Fresno County | 183 | 118 | 17 | 9.3% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 12,176 applications in 2025, of which 7,327 were originated and 745 denied.
6.1% of all applications, or 7.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans OCMBC originated in California in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are OCMBC's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology