Applications / Mortgage Analytics / Lenders / California / OCMBC
Irvine, CA · Independent non-bank lender · CFPB · 16,337 loans in 2025
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16,337
loans originated, 2025
29,739
applications, 2025
49
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
OCMBC grew 27% in 2025, faster than most similar lenders, and is the third-largest lender in Riverside-San Bernardino-Ontario, with a much larger share of its loans in majority-minority and LMI areas than its peers.
OCMBC made 16,337 loans, up from 12,877 the year before and 6,835 five years earlier. Its growth of 27% was higher than about two-thirds of similar lenders (independent non-bank lenders making between half and twice as many loans), whose typical growth was 14%, and than the whole market's 10%. Purchases were 60.5% of its loans and refinances 39.5%.
It ranked 3 of 707 lenders there, behind United Wholesale Mortgage and Rocket Mortgage, and its share rose to 2.9% from 2.4%. It has reported in the market since 2008, and in 2025 it entered smaller markets such as Tuscaloosa and Florence-Muscle Shoals.
63.1% of its loans were in majority-minority areas and 34.6% in LMI (low- and moderate-income) areas, the highest shares among similar lenders, whose typical shares were 27.5% and 21.5%. Yet only 14.9% went to LMI borrowers, lower than about nine in ten peers. Larger loans are one possible reason, since its typical loan was $355,000 against $285,000 for peers; the mix of markets it serves could be another.
Conventional loans were 78.7% of the total, against 61.6% for peers, and FHA loans (insured by the Federal Housing Administration) were 19.3%, down from 30.2% five years earlier.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. OCMBC took 29,739 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.5% · Refinance 39.5%
Conventional 78.7% · FHA 19.3% · VA 2.0% · USDA (RHS or FSA) 0.0% · of 16,337 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 7,327 | 44.8% |
| Florida | 1,580 | 9.7% |
| Texas | 1,270 | 7.8% |
| Maryland | 564 | 3.5% |
| Illinois | 454 | 2.8% |
| Arizona | 439 | 2.7% |
| Georgia | 412 | 2.5% |
| Nevada | 368 | 2.3% |
| Massachusetts | 335 | 2.1% |
| Virginia | 312 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 2,632 |
| Riverside-San Bernardino-Ontario | 2,301 |
| Houston-Pasadena-The Woodlands | 498 |
| Chicago-Naperville-Schaumburg | 379 |
| Anaheim-Santa Ana-Irvine | 343 |
| Bakersfield-Delano | 321 |
| Las Vegas-Henderson-North Las Vegas | 310 |
| Phoenix-Mesa-Chandler | 308 |
| Dallas-Plano-Irving | 301 |
| Miami-Miami Beach-Kendall | 300 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300J7I82PNDVU8H22 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3955727 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7330962918 |
Established 9 March 2001. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: OCMBC's data.
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