OCMBC in Alabama vs the state
8.9%Denial rate-10.98 pts vs state
12.1%Decision denial rate-12.91 pts vs state
53.2%Origination rate-2.16 pts vs state
6.75%Median rate+0.25 pts vs state
1.28Rate spread (pts)+1.00 pts vs state
$84kMedian applicant income
132Loans originated
22Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 8 | 9.1% | 7.25% | #441 |
| 2024 | 133 | 63 | 23.3% | 7.00% | #188 |
| 2025 | 248 | 132 | 8.9% | 6.75% | #136 |
What OCMBC lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 32 | 14 | 5 | 15.6% |
| Morgan County | 27 | 18 | 0 | 0.0% |
| Mobile County | 24 | 11 | 1 | 4.2% |
| Madison County | 22 | 10 | 1 | 4.5% |
| Talladega County | 22 | 19 | 0 | 0.0% |
| Tuscaloosa County | 20 | 6 | 5 | 25.0% |
| Lee County | 15 | 9 | 1 | 6.7% |
| Russell County | 15 | 9 | 1 | 6.7% |
| Baldwin County | 12 | 7 | 0 | 0.0% |
| Montgomery County | 11 | 8 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 248 applications in 2025, of which 132 were originated and 22 denied.
8.9% of all applications, or 12.1% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans OCMBC originated in Alabama in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are OCMBC's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology