OCMBC in Connecticut vs the state
13.9%Denial rate-3.54 pts vs state
18.3%Decision denial rate-3.25 pts vs state
49.5%Origination rate-10.88 pts vs state
7.50%Median rate+0.87 pts vs state
1.57Rate spread (pts)+1.33 pts vs state
$123kMedian applicant income
150Loans originated
42Denied
Trend in Connecticut
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 161 | 93 | 24.8% | 8.88% | #103 |
| 2024 | 197 | 106 | 22.3% | 8.00% | #95 |
| 2025 | 303 | 150 | 13.9% | 7.50% | #77 |
What OCMBC lends in Connecticut
By loan purpose
By loan type
Why it denied Connecticut applicants
Where in Connecticut
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| 09110 | 85 | 45 | 12 | 14.1% |
| 09170 | 56 | 30 | 6 | 10.7% |
| 09140 | 40 | 14 | 5 | 12.5% |
| 09190 | 34 | 15 | 7 | 20.6% |
| 09180 | 28 | 18 | 4 | 14.3% |
| 09120 | 24 | 10 | 3 | 12.5% |
| 09150 | 18 | 9 | 1 | 5.6% |
| 09130 | 13 | 7 | 3 | 23.1% |
| 09160 | 5 | 2 | 1 | 20.0% |
Other large lenders in Connecticut
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,043 | 16.5% | 6.75% |
| Citizens Bank | C | 4,895 | 26.2% | 7.40% |
| Bank of America | F | 4,591 | 32.1% | 6.00% |
| United Shore Financial Services | B | 4,239 | 13.7% | 6.50% |
| Total Mortgage Services | B | 4,219 | 4.5% | 6.63% |
| Manufacturers and Traders Trust | C | 4,030 | 31.8% | 5.99% |
| Liberty Bank | A | 3,513 | 9.5% | 5.99% |
| Webster Bank | C | 2,762 | 21.9% | 6.74% |
| Newrez | D | 2,556 | 21.8% | 6.88% |
| AMERICAN EAGLE FINANCIAL Credit Union | D | 2,463 | 18.9% | 7.75% |
Frequently asked questions
Connecticut: 303 applications in 2025, of which 150 were originated and 42 denied.
13.9% of all applications, or 18.3% of the applications it actually decided on. The Connecticut statewide average across all lenders was 17.4%.
The median rate on loans OCMBC originated in Connecticut in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are OCMBC's own HMDA filing for properties located in Connecticut, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology