Oklahoma's Federal Credit Union mortgage approval rate & lending review
Oklahoma's Federal Credit Union decided 539 mortgage applications and funded 455 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Oklahoma's Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Oklahoma's Federal Credit Union at a glance
Approval is 7.4 points above the 77.0% 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 | 95% | 118 / 124 | 100% | $225K | 118 |
| Cash-out refinance | 72% | 122 / 169 | 100% | $95K | 122 |
| Refinance | 82% | 75 / 91 | 100% | $65K | 75 |
| Investment property purchase | 100% | 35 / 35 | 100% | $165K | 35 |
| Investment cash-out refinance | 68% | 26 / 38 | 100% | $95K | 26 |
| Investment refinance | 96% | 75 / 78 | 100% | $205K | 75 |
Oklahoma's Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma | 84% | $165K | 539 | 455 |
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 Oklahoma's Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma County, OK | Cash-out refinance | 70% | 114 | 80 |
| Oklahoma County, OK | Refinance | 84% | 58 | 49 |
| Oklahoma County, OK | Investment refinance | 94% | 50 | 47 |
| Cleveland County, OK | Cash-out refinance | 82% | 33 | 27 |
| Oklahoma County, OK | Investment property purchase | 100% | 25 | 25 |
| Oklahoma County, OK | Investment cash-out refinance | 63% | 30 | 19 |
The county markets where Oklahoma's Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Oklahoma's Federal Credit Union
What is Oklahoma's Federal Credit Union's mortgage approval rate?
Oklahoma's Federal Credit Union approved 84.4% of the 539 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.4 points above the 77.0% national rate for the same mix of loan types.
How often do borrowers take the loan Oklahoma's Federal Credit Union offers?
Borrowers accepted 100% of the loans Oklahoma's 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 Oklahoma's Federal Credit Union make?
The typical cash-out refinance loan Oklahoma's Federal Credit Union made was $95K; across all loan types its typical loan ran from $65K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Oklahoma's Federal Credit Union lend?
Oklahoma's Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Oklahoma.
Can I apply to Oklahoma's Federal Credit Union directly?
Yes. Oklahoma's Federal Credit Union is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Oklahoma's 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 Oklahoma's Federal Credit Union treats applications, then get a rate quote from the lender.