OCMBC in Louisiana vs the state
20.0%Denial rate-2.17 pts vs state
24.5%Decision denial rate-3.65 pts vs state
42.5%Origination rate-9.52 pts vs state
7.38%Median rate+0.75 pts vs state
1.31Rate spread (pts)+0.95 pts vs state
$79kMedian applicant income
104Loans originated
49Denied
Trend in Louisiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 163 | 78 | 41.1% | 8.38% | #127 |
| 2024 | 216 | 99 | 28.7% | 7.50% | #99 |
| 2025 | 245 | 104 | 20.0% | 7.38% | #100 |
What OCMBC lends in Louisiana
By loan purpose
By loan type
Why it denied Louisiana applicants
Where in Louisiana
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orleans Parish | 82 | 40 | 6 | 7.3% |
| East Baton Rouge Parish | 37 | 9 | 16 | 43.2% |
| Jefferson Parish | 32 | 16 | 6 | 18.8% |
| Livingston Parish | 16 | 5 | 5 | 31.3% |
| St. Tammany Parish | 13 | 2 | 4 | 30.8% |
| West Baton Rouge Parish | 11 | 7 | 2 | 18.2% |
| Ascension Parish | 11 | 3 | 3 | 27.3% |
| St. John the Baptist Parish | 6 | 3 | 1 | 16.7% |
| Lafayette Parish | 6 | 4 | 1 | 16.7% |
| Caddo Parish | 4 | 3 | 1 | 25.0% |
Other large lenders in Louisiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 21st Mortgage | F | 7,057 | 49.0% | 10.10% |
| United Shore Financial Services | B | 6,264 | 13.1% | 6.38% |
| Rocket Mortgage | C | 5,770 | 25.9% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 4,370 | 45.6% | 10.50% |
| Triad Financial Services | D | 3,867 | 49.7% | 8.73% |
| Hancock Whitney Bank | B | 3,536 | 21.7% | 6.00% |
| Regions Bank | C | 3,356 | 45.8% | 6.00% |
| GMFS | A | 3,072 | 2.0% | 6.50% |
| Newrez | D | 2,664 | 21.1% | 6.50% |
| Dsld Mortgage | A | 2,545 | 6.3% | 6.13% |
Frequently asked questions
Louisiana: 245 applications in 2025, of which 104 were originated and 49 denied.
20.0% of all applications, or 24.5% of the applications it actually decided on. The Louisiana statewide average across all lenders was 22.2%.
The median rate on loans OCMBC originated in Louisiana in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are OCMBC's own HMDA filing for properties located in Louisiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology