Orion Federal Credit Union mortgage approval rate & lending review
Orion Federal Credit Union decided 699 mortgage applications and funded 657 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Orion Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Orion Federal Credit Union at a glance
Approval is 10.2 points above the 84.0% 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 | 97% | 435 / 449 | 100% | $295K | 434 |
| Cash-out refinance | 83% | 69 / 83 | 100% | $125K | 69 |
| Investment property purchase | 98% | 94 / 96 | 100% | $95K | 94 |
| Investment cash-out refinance | 83% | 35 / 42 | 100% | $105K | 35 |
Orion Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 94% | $295K | 609 | 574 |
| Mississippi | 94% | $315K | 33 | 31 |
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 Orion Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Shelby County, TN | Mortgage lenders | 97% | 378 | 365 |
| Shelby County, TN | Investment property purchase | 98% | 82 | 80 |
| Shelby County, TN | Cash-out refinance | 85% | 74 | 63 |
| Shelby County, TN | Investment cash-out refinance | 86% | 36 | 31 |
| DeSoto County, MS | Mortgage lenders | 96% | 26 | 25 |
The county markets where Orion Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Orion Federal Credit Union
What is Orion Federal Credit Union's mortgage approval rate?
Orion Federal Credit Union approved 94.1% of the 699 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.2 points above the 84.0% national rate for the same mix of loan types.
How often do borrowers take the loan Orion Federal Credit Union offers?
Borrowers accepted 100% of the loans Orion Federal Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Orion Federal Credit Union make?
The typical home purchase mortgage loan Orion Federal Credit Union made was $295K; across all loan types its typical loan ran from $95K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Orion Federal Credit Union lend?
Orion Federal Credit Union decided applications in 22 of the states Fat Boy Data covers, most of them in Tennessee, Mississippi and Arkansas.
Can I apply to Orion Federal Credit Union directly?
Yes. Orion 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 Orion 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 Orion Federal Credit Union treats applications, then get a rate quote from the lender.