Lender in Texas · HMDA 2025
Ocmbc, Inc. mortgages in Texas
Ocmbc, Inc.'s 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Ocmbc, Inc. originated 585 owner-occupied single-family loans in Texas from 889 completed applications.
Its median conventional purchase loan costs were $13,320 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 7.625% (Texas: 6.50%).
Loans in TX
585
of 889 applications
Denial rate
12.3%
Purchase · TX 10.2%
Rate spread
+1.65 pts
Conv. · TX +0.09 pts
Loan amount
$285,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 666 | 468 | 12.3% | 7.625% | +1.65 pts | $13,320 | $285,000 |
| Refinance | 79 | 40 | 15.2% | 7.499% | +1.21 pts | $13,340 | $355,000 |
| Cash-out refinance | 144 | 77 | 18.8% | 7.999% | +1.74 pts | $7,780 | $255,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Ocmbc, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Coleman County | 17 | 1 | 1.9% |
| Jackson County | 25 | 1 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology