OC Federal Credit Union mortgage approval rate & lending review
OC Federal Credit Union decided 675 mortgage applications and funded 453 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions OC Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
OC Federal Credit Union at a glance
Approval is 0.4 points below the 75.7% 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 | 92% | 48 / 52 | 73% | $185K | 35 |
| Home improvement loans | 95% | 37 / 39 | 95% | $65K | 35 |
| Cash-out refinance | 81% | 66 / 81 | 92% | $75K | 61 |
| Refinance | 71% | 347 / 489 | 90% | $65K | 314 |
OC Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 75% | $65K | 670 | 448 |
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 OC Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cuyahoga County, OH | Refinance | 73% | 188 | 127 |
| Summit County, OH | Refinance | 67% | 180 | 114 |
| Cuyahoga County, OH | Cash-out refinance | 88% | 34 | 28 |
| Portage County, OH | Refinance | 81% | 26 | 20 |
| Summit County, OH | Cash-out refinance | 75% | 28 | 18 |
| Stark County, OH | Refinance | 72% | 29 | 17 |
| Medina County, OH | Refinance | 64% | 22 | 9 |
The county markets where OC Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about OC Federal Credit Union
What is OC Federal Credit Union's mortgage approval rate?
OC Federal Credit Union approved 75.3% of the 675 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.4 points below the 75.7% national rate for the same mix of loan types.
How often do borrowers take the loan OC Federal Credit Union offers?
Borrowers accepted 89% of the loans OC Federal Credit Union approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does OC Federal Credit Union make?
The typical mortgage refinance loan OC Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does OC Federal Credit Union lend?
OC Federal Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Ohio and Florida.
Can I apply to OC Federal Credit Union directly?
Yes. OC 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 OC 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 OC Federal Credit Union treats applications, then get a rate quote from the lender.