OCMBC, INC.

16,337 mortgages originated in 2025 across 30 states, and what they cost borrowers.

Loans originated

16,337

Median rate

6.999%

Median lender fees

$13,739

Median loan amount

$355,000

Median spread over APOR

0.765

Paid discount points

31.1%

Received lender credits

29.7%

Purchases / refinances

60.5% / 39.5%

Conventional / FHA / VA

78.7% / 19.3% / 2%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 65% of loans here — see methodology.

Where OCMBC, INC. lent

States with at least 50 loans in 2025, ranked by volume.