# US Employees O.C. Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/us-employees-oc-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


US Employees O.C. Federal Credit Union is a credit union, headquartered in Tomball, TX, with 64 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 82% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300552HVITY0L9184
- **Headquarters:** Tomball, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** OK
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Mediocre 😐
- Score: 18/100
- Rating: ●○○○○ (1/5)


### Lending Volume
- **Total Loans:** 64
- **Dollar Volume:** $8 million
- **Applications Received:** 278
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $121,094
- **Average Borrower Income:** $71,812
- **Average Property Value:** $195,781

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 33/100 | 62 | - | - | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 23 loans, Score: 22/100 (Acceptable)
- Refinance: 39 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 23/100 | 25 | $4M | - | Acceptable 🙂 |
| Refinance | 50/100 | 39 | $3M | - | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 64 | 0.16% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Oklahoma City, OK | OK | 60 | 72/100 |

## Where This Lender Ranks

US Employees O.C. Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Oklahoma City, OK Credit Unions
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in Oklahoma City, OK for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does US Employees O.C. Federal Credit Union offer?

US Employees O.C. Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does US Employees O.C. Federal Credit Union offer mortgages?

US Employees O.C. Federal Credit Union offers mortgages in 1 states: OK.

### What type of lender is US Employees O.C. Federal Credit Union?

US Employees O.C. Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Tomball, TX.

### What is US Employees O.C. Federal Credit Union's loan approval success rate?

US Employees O.C. Federal Credit Union has a pull-through score of 18/100 (Mediocre). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/us-employees-oc-federal-credit-union

### How to Cite

> "US Employees O.C. Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/us-employees-oc-federal-credit-union

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