Allegiance Federal Credit Union mortgage approval rate & lending review
Allegiance Federal Credit Union decided 593 mortgage applications and funded 366 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Allegiance Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Allegiance Federal Credit Union at a glance
Approval is 4.8 points above the 72.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 81% | 91 / 113 | 78% | $195K | 71 |
| Home improvement loans | 81% | 55 / 68 | 85% | $85K | 47 |
| Cash-out refinance | 80% | 262 / 329 | 83% | $85K | 217 |
| Refinance | 59% | 27 / 46 | 52% | $235K | 14 |
Allegiance Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma | 77% | $85K | 592 | 366 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Allegiance Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma County, OK | Cash-out refinance | 80% | 207 | 133 |
| Cleveland County, OK | Cash-out refinance | 85% | 62 | 47 |
| Canadian County, OK | Cash-out refinance | 74% | 58 | 36 |
| Oklahoma County, OK | Home improvement loans | 77% | 44 | 28 |
| Oklahoma County, OK | Refinance | 57% | 30 | 6 |
The county markets where Allegiance Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Allegiance Federal Credit Union
What is Allegiance Federal Credit Union's mortgage approval rate?
Allegiance Federal Credit Union approved 77.2% of the 593 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.8 points above the 72.4% national rate for the same mix of loan types.
How often do borrowers take the loan Allegiance Federal Credit Union offers?
Borrowers accepted 80% of the loans Allegiance Federal Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Allegiance Federal Credit Union make?
The typical cash-out refinance loan Allegiance Federal Credit Union made was $85K; across all loan types its typical loan ran from $85K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Allegiance Federal Credit Union lend?
Allegiance Federal Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Oklahoma and California.
Can I apply to Allegiance Federal Credit Union directly?
Yes. Allegiance Federal Credit Union is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Allegiance Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Allegiance Federal Credit Union treats applications, then get a rate quote from the lender.