The Focus Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
2nd44.9% deniedProcesswithdrawn + incomplete share, weight 15%
22nd19.2%Closing coststotal loan costs ÷ loan amount, weight 10%
53rd1.85% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 109 | 44 | 32.1% | 43.8% | 7.50% | $3.9M |
| 2024 | 147 | 70 | 35.4% | 42.6% | 7.19% | $8.1M |
| 2025 | 146 | 65 | 36.3% | 44.9% | 6.88% | $8.6M |
What The Focus Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 9 investment properties.
Why The Focus Federal Credit Union denies applications
Primary reason reported for each of the 53 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at The Focus Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 37 | 6 | 81.8% |
| $50k – $100k | 40 | 18 | 40.0% |
| $100k – $150k | 32 | 21 | 27.6% |
| $150k – $250k | 30 | 16 | 23.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 21 | 4 | 76.5% |
| 35–44 | 30 | 11 | 47.6% |
| 45–54 | 39 | 21 | 36.4% |
| 55–64 | 22 | 14 | 26.3% |
Where The Focus Federal Credit Union lends
13 states and 11 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Oklahoma | 132 | 65 | 30.3% | 6.88% | #159 |
Frequently asked questions
The Focus Federal Credit Union denied 44.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 2nd percentile of small mortgage lenders.
The most common reason The Focus Federal Credit Union gave in 2025 was "credit history", cited on 67.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans The Focus Federal Credit Union originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 24% of its applications were for home purchases, 22% for refinancing (including cash-out), and 54% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.