US Employees O.C. 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%
1st50.0% deniedProcesswithdrawn + incomplete share, weight 15%
4th32.6%Closing coststotal loan costs ÷ loan amount, weight 10%
78th1.20% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 189 | 58 | 44.4% | 54.6% | 8.25% | $4.7M |
| 2024 | 357 | 93 | 36.4% | 56.0% | 7.00% | $9.6M |
| 2025 | 175 | 53 | 33.7% | 50.0% | 7.00% | $4.6M |
What US Employees O.C. 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: 21 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 4 investment properties.
Why US Employees O.C. Federal Credit Union denies applications
Primary reason reported for each of the 59 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at US Employees O.C. 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 | 80 | 15 | 66.7% |
| $50k – $100k | 63 | 23 | 46.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 25 | 6 | 61.1% |
| 35–44 | 48 | 9 | 65.4% |
| 45–54 | 40 | 16 | 43.3% |
| 55–64 | 27 | 7 | 60.0% |
Where US Employees O.C. Federal Credit Union lends
2 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Oklahoma | 116 | 53 | 31.0% | 7.00% | #167 |
Frequently asked questions
US Employees O.C. Federal Credit Union denied 50.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 1st percentile of small mortgage lenders.
The most common reason US Employees O.C. Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 47.5% 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 US Employees O.C. Federal Credit Union originated in 2025 was 7.00%, 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, 42% of its applications were for home purchases, 46% for refinancing (including cash-out), and 11% for home improvement or other purposes. By loan type: 95% conventional, 5% 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.