Mid Oregon Federal Credit Union mortgage approval rate & lending review
Mid Oregon Federal Credit Union decided 777 mortgage applications and funded 694 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mid Oregon Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Mid Oregon Federal Credit Union at a glance
Approval is 23.7 points above the 66.1% 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 | 91% | 40 / 44 | 98% | $355K | 39 |
| Home improvement loans | 92% | 560 / 609 | 100% | $105K | 559 |
| Cash-out refinance | 76% | 31 / 41 | 94% | $255K | 29 |
| Refinance | 80% | 44 / 55 | 100% | $155K | 44 |
Mid Oregon Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oregon | 90% | $105K | 777 | 694 |
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 Mid Oregon Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Deschutes County, OR | Home improvement loans | 92% | 592 | 544 |
| Deschutes County, OR | Refinance | 79% | 53 | 42 |
| Deschutes County, OR | Mortgage lenders | 90% | 40 | 35 |
| Deschutes County, OR | Cash-out refinance | 74% | 39 | 27 |
The county markets where Mid Oregon Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Mid Oregon Federal Credit Union
What is Mid Oregon Federal Credit Union's mortgage approval rate?
Mid Oregon Federal Credit Union approved 89.8% of the 777 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 23.7 points above the 66.1% national rate for the same mix of loan types.
How often do borrowers take the loan Mid Oregon Federal Credit Union offers?
Borrowers accepted 99% of the loans Mid Oregon Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Mid Oregon Federal Credit Union make?
The typical home improvement loan loan Mid Oregon Federal Credit Union made was $105K; across all loan types its typical loan ran from $105K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mid Oregon Federal Credit Union lend?
Mid Oregon Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Oregon.
Can I apply to Mid Oregon Federal Credit Union directly?
Yes. Mid Oregon Federal Credit Union is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Mid Oregon 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 Mid Oregon Federal Credit Union treats applications, then get a rate quote from the lender.