Orange County's Federal Credit Union mortgage approval rate & lending review
Orange County's Federal Credit Union decided 5,103 mortgage applications and funded 3,479 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Orange County's Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Orange County's Federal Credit Union at a glance
Approval is 0.2 points below the 69.9% 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 | 86% | 235 / 274 | 93% | $555K | 218 |
| Cash-out refinance | 70% | 3,038 / 4,331 | 98% | $135K | 2,981 |
| Refinance | 63% | 76 / 121 | 99% | $495K | 75 |
| Investment cash-out refinance | 54% | 193 / 356 | 98% | $155K | 189 |
Orange County's Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 70% | $135K | 5,103 | 3,479 |
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 Orange County's Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Orange County, CA | Cash-out refinance | 72% | 3,058 | 2,150 |
| Riverside County, CA | Cash-out refinance | 65% | 534 | 338 |
| Los Angeles County, CA | Cash-out refinance | 68% | 501 | 333 |
| San Bernardino County, CA | Cash-out refinance | 70% | 150 | 102 |
| Orange County, CA | Investment cash-out refinance | 55% | 165 | 89 |
| Orange County, CA | Refinance | 68% | 78 | 53 |
| Los Angeles County, CA | Investment cash-out refinance | 58% | 78 | 43 |
| Santa Barbara County, CA | Mortgage lenders | 97% | 30 | 29 |
| Riverside County, CA | Investment cash-out refinance | 46% | 41 | 19 |
| San Bernardino County, CA | Investment cash-out refinance | 54% | 35 | 19 |
The county markets where Orange County's Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Orange County's Federal Credit Union
What is Orange County's Federal Credit Union's mortgage approval rate?
Orange County's Federal Credit Union approved 69.7% of the 5,103 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.2 points below the 69.9% national rate for the same mix of loan types.
How often do borrowers take the loan Orange County's Federal Credit Union offers?
Borrowers accepted 98% of the loans Orange County'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 Orange County's Federal Credit Union make?
The typical cash-out refinance loan Orange County's Federal Credit Union made was $135K; across all loan types its typical loan ran from $135K to $555K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Orange County's Federal Credit Union lend?
Orange County's Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to Orange County's Federal Credit Union directly?
Yes. Orange County's Federal Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Orange County'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 Orange County's Federal Credit Union treats applications, then get a rate quote from the lender.