OCMBC in Texas vs the state
9.8%Denial rate-9.63 pts vs state
12.6%Decision denial rate-12.35 pts vs state
51.7%Origination rate-3.23 pts vs state
7.25%Median rate+0.75 pts vs state
1.43Rate spread (pts)+1.24 pts vs state
$150kMedian applicant income
1,270Loans originated
241Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,749 | 858 | 24.3% | 8.25% | #97 |
| 2024 | 2,102 | 1,061 | 17.0% | 7.75% | #88 |
| 2025 | 2,459 | 1,270 | 9.8% | 7.25% | #82 |
What OCMBC lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 588 | 306 | 55 | 9.4% |
| Dallas County | 312 | 182 | 19 | 6.1% |
| Tarrant County | 174 | 95 | 16 | 9.2% |
| Bexar County | 154 | 68 | 15 | 9.7% |
| Fort Bend County | 106 | 53 | 9 | 8.5% |
| Montgomery County | 98 | 63 | 9 | 9.2% |
| Collin County | 65 | 36 | 6 | 9.2% |
| Denton County | 63 | 34 | 6 | 9.5% |
| El Paso County | 63 | 24 | 5 | 7.9% |
| Webb County | 43 | 33 | 2 | 4.7% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 2,459 applications in 2025, of which 1,270 were originated and 241 denied.
9.8% of all applications, or 12.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans OCMBC originated in Texas in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are OCMBC's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology