4,910 lenders filed HMDA data for 2025 with enough volume to show. Each page carries the lender's approval rate, denial rate, real interest rates, loan mix and grade.
| Lender | Grade | HQ | Applications 2025 | Origination rate | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| O Bee Credit Union | C | Tumwater, WA | 717 | 63.3% | 17.4% | 8.00% |
| O'Bannon BankingO'Bannon Banking Company | – | Buffalo, MO | 73 | 76.7% | 16.4% | — |
| OCMBCOCMBC, Inc. | C | Irvine, CA | 29,739 | 54.9% | 10.0% | 7.00% |
| OKLAHOMA CENTRAL Credit Union | F | Tulsa, OK | 493 | 52.3% | 21.5% | 7.24% |
| OMEGA Federal Credit Union | C | Pittsburgh, PA | 138 | 69.6% | 10.1% | 6.49% |
| ONE Credit Union | C | Springfield, VT | 155 | 74.8% | 12.3% | 7.13% |
| ONE VISION Federal Credit Union | – | Clarksville, IN | 61 | 57.4% | 16.4% | 7.00% |
| OSB Community Bank | B | Ottawa, IL | 133 | 75.2% | 7.5% | — |
| Oak Bank | – | Fitchburg, WI | 59 | 86.4% | 1.7% | — |
| Oak MortgageOak Mortgage, LLC | – | Sturgis, MI | 475 | 79.0% | 2.7% | 6.75% |
| Oak View National Bank | – | Warrenton, VA | 74 | 96.0% | 4.1% | — |
| Oakstar Bank | A | Springfield, MO | 1,149 | 84.8% | 4.3% | 7.25% |
| Oaktree FundingOaktree Funding Corp. | C | Chandler, AZ | 2,916 | 45.5% | 5.5% | 7.63% |
| Ocean Bank | – | Miami, FL | 94 | 40.4% | 19.2% | — |
| Ocean Financial Federal Credit Union | – | Oceanside, NY | 55 | 38.2% | 43.6% | 7.25% |
| Ocean State Credit Union | D | Coventry, RI | 126 | 69.1% | 23.0% | 7.00% |
| OceanFirst BankOceanFirst Bank, National Association | A | Red Bank, NJ | 3,613 | 73.0% | 9.0% | 6.38% |
| Oceanside MortgageOceanside Mortgage Company | B | Toms River, NJ | 572 | 69.8% | 4.6% | 6.25% |
| Oconee Federal Savings and Loan Association | C | Seneca, SC | 163 | 78.5% | 11.0% | — |
| Oconee State Bank | B | Watkinsville, GA | 368 | 75.5% | 4.9% | — |
| Ohio Catholic Federal Credit Union | C | Garfield Heights, OH | 224 | 62.5% | 22.3% | 7.50% |
| Ohio State Bank | – | Bexley, OH | 51 | 88.2% | 2.0% | 6.75% |
| Ohio Valley Community Federal Credit Union | – | Clarington, OH | 40 | 77.5% | 7.5% | 6.13% |
| Ohnward Bank & Trust | A | Cascade, IA | 325 | 88.9% | 1.5% | — |
| Oklahoma | – | Oklahoma City, OK | 36 | 100.0% | 0.0% | 7.52% |
| Oklahoma Educators Credit Union | D | Oklahoma City, OK | 142 | 61.3% | 12.7% | 7.80% |
| Oklahoma'S Credit Union | C | Oklahoma City, OK | 370 | 72.7% | 15.1% | 7.25% |
| Old Dominion National Bank | A | Tysons Corner, VA | 148 | 94.6% | 0.0% | 6.25% |
| Old Hickory Credit Union | D | Old Hickory, TN | 253 | 60.5% | 24.9% | 7.50% |
| Old Missouri Bank | B | Springfield, MO | 556 | 82.9% | 4.7% | — |
| Old National Bank | B | Evansville, IN | 16,760 | 65.4% | 19.0% | 6.25% |
| Old Plank Trail Community BankOld Plank Trail Community Bank, N.A. | B | New Lenox, IL | 171 | 80.7% | 5.9% | — |
| Old Second National Bank | B | Aurora, IL | 1,615 | 72.6% | 12.0% | 7.13% |
| Olympia Federal Savings & Loan Association | C | Olympia, WA | 318 | 66.7% | 10.7% | 6.44% |
| Omaha Federal Credit Union | – | Omaha, NE | 40 | 100.0% | 0.0% | — |
| Omaha Police | – | Omaha, NE | 27 | 85.2% | 11.1% | — |
| Omni Community Credit Union | – | Battle Creek, MI | 628 | 47.8% | 29.6% | 7.50% |
| On Q FinancialOn Q Financial, LLC | – | Scottsdale, AZ | 1,690 | 63.6% | 4.7% | 6.75% |
| On Tap Credit Union | D | Golden, CO | 180 | 56.1% | 23.3% | 7.24% |
| OnPath Federal Credit Union | B | Metairie, LA | 449 | 90.0% | 8.7% | 6.50% |
| One Bank of Tennessee | B | Cookeville, TN | 574 | 94.6% | 3.8% | 6.95% |
| One Community Bank | B | Oregon, WI | 561 | 82.2% | 6.4% | 7.25% |
| One Community Federal Credit Union | – | Parkersburg, WV | 30 | 70.0% | 16.7% | 7.75% |
| One Florida Bank | – | Orlando, FL | 45 | 75.6% | 4.4% | — |
| One Nevada Credit Union | D | Las Vegas, NV | 1,128 | 34.7% | 44.4% | 6.88% |
| OneAZ Credit Union | D | Phoenix, AZ | 4,198 | 47.5% | 28.2% | 7.25% |
| Onpoint Community Credit Union | B | Portland, OR | 11,687 | 70.0% | 15.9% | 7.50% |
| Ontario Shores | D | Newfane, NY | 208 | 70.2% | 17.8% | 7.50% |
| Onward Home MortgageOnward Home Mortgage, LLC | B | Roswell, GA | 988 | 59.7% | 2.8% | 6.50% |
| Ony GloOny Glo, Inc. | C | Santa Ana, CA | 1,652 | 52.3% | 41.6% | 6.63% |
| Oostburg State Bank | A | Oostburg, WI | 185 | 93.0% | 1.1% | — |
| Open Bank | – | Los Angeles, CA | 34 | 76.5% | 14.7% | 6.44% |
| Open MortgageOpen Mortgage, LLC | – | Austin, TX | 3,093 | 45.8% | 21.6% | 6.88% |
| Operating Engineers Local Union #3 | F | Livermore, CA | 417 | 35.7% | 13.7% | 8.00% |
| Opportunities Credit Union | – | Winooski, VT | 58 | 100.0% | 0.0% | 6.50% |
| Opportunity Bank of Montana | B | Helena, MT | 1,621 | 70.8% | 9.8% | 6.88% |
| Option FinancialOption Financial, LLC | – | Cincinnati, OH | 84 | 64.3% | 14.3% | 6.63% |
| Optionwide FinancialOptionwide Financial Corporation | – | Irvine, CA | 285 | 34.4% | 15.4% | 8.19% |
| Orange Bank &TrustOrange Bank &Trust Company | – | Middletown, NY | 86 | 69.8% | 15.1% | — |
| Orange County'S Credit Union | D | Santa Ana, CA | 2,147 | 53.2% | 26.5% | 7.63% |
| OrangePath FinancialOrangePath Financial Inc. | A | Atlanta, GA | 125 | 81.6% | 0.0% | 6.00% |
| Orchard MortgageOrchard Mortgage, LLC | B | New York, NY | 558 | 53.8% | 3.9% | 6.63% |
| Oregon Community | B | Eugene, OR | 2,300 | 71.0% | 12.1% | 7.50% |
| Oregon Pacific BankingOregon Pacific Banking Co. | – | Florence, OR | 55 | 41.8% | 16.4% | — |
| Oregon State Credit Union | C | Corvallis, OR | 1,302 | 64.4% | 11.5% | 7.50% |
| Oregonians Credit Union | A | Milwaukie, OR | 470 | 71.3% | 16.4% | 5.50% |
| Oriental Bank | C | San Juan, | 1,708 | 54.3% | 20.0% | 5.50% |
| Origin Bank | C | Ruston, LA | 1,315 | 74.2% | 8.2% | 7.00% |
| OriginPointOriginPoint, LLC | B | Chicago, IL | 9,608 | 62.2% | 3.5% | 6.63% |
| Orion Federal Credit Union | B | Memphis, TN | 451 | 75.2% | 3.8% | 6.25% |
| Orlando Credit Union | – | Orlando, FL | 49 | 30.6% | 63.3% | — |
| Ornl | C | Oak Ridge, TN | 2,074 | 53.8% | 14.7% | 7.25% |
| Orrstown Bank | A | Harrisburg, PA | 1,468 | 72.4% | 20.8% | 5.50% |
| Oswego County Federal Credit Union | C | Oswego, NY | 148 | 70.3% | 6.8% | 6.44% |
| Ouachita Valley Federal Credit Union | F | West Monroe, LA | 153 | 42.5% | 31.4% | 8.00% |
| Outdoor Bank | B | Manhattan, KS | 153 | 89.5% | 3.9% | — |
| Owen County State Bank | C | Spencer, IN | 240 | 62.9% | 19.6% | — |
| Ownerschoice FundingOwnerschoice Funding, Incorporated | – | Albany, NY | 122 | 61.5% | 12.3% | 6.50% |
| Ozark Bank | – | Ozark, MO | 103 | 68.0% | 3.9% | — |
| Ozarks Federal Savings and Loan Association | C | Farmington, MO | 255 | 75.3% | 8.6% | 7.50% |
