US Employees O.C. Federal Credit Union mortgage approval rate & lending review
US Employees O.C. Federal Credit Union decided 289 mortgage applications and funded 161 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions US Employees O.C. Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
US Employees O.C. Federal Credit Union at a glance
Approval is 16.2 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 | 57% | 42 / 74 | 98% | $125K | 41 |
| Cash-out refinance | 58% | 75 / 130 | 89% | $55K | 67 |
| Refinance | 64% | 48 / 75 | 98% | $55K | 47 |
US Employees O.C. Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma | 60% | $55K | 289 | 161 |
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 US Employees O.C. Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma County, OK | Cash-out refinance | 53% | 94 | 45 |
| Oklahoma County, OK | Refinance | 60% | 45 | 26 |
| Cleveland County, OK | Cash-out refinance | 81% | 26 | 18 |
The county markets where US Employees O.C. Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about US Employees O.C. Federal Credit Union
What is US Employees O.C. Federal Credit Union's mortgage approval rate?
US Employees O.C. Federal Credit Union approved 59.5% of the 289 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.2 points below the 75.7% national rate for the same mix of loan types.
How often do borrowers take the loan US Employees O.C. Federal Credit Union offers?
Borrowers accepted 94% of the loans US Employees O.C. 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 US Employees O.C. Federal Credit Union make?
The typical cash-out refinance loan US Employees O.C. Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $125K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does US Employees O.C. Federal Credit Union lend?
US Employees O.C. Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Oklahoma.
Can I apply to US Employees O.C. Federal Credit Union directly?
Yes. US Employees O.C. Federal Credit Union reports as a direct lender that takes applications from borrowers.
Does this page show US Employees O.C. 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 US Employees O.C. Federal Credit Union treats applications, then get a rate quote from the lender.