Lender profile · HMDA 2023–2025
Oceanair Federal Credit Union mortgage approval rates & lending data
Oceanair Federal Credit Union decided 1,066 mortgage applications and funded 786 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 94 / 97 | 99% | $1.01M | 93 |
| Home improvement loans | 60% | 279 / 464 | 99% | $105K | 276 |
| Cash-out refinance | 83% | 320 / 384 | 98% | $115K | 315 |
| Refinance | 87% | 34 / 39 | 100% | $805K | 34 |
| Investment cash-out refinance | 89% | 31 / 35 | 100% | $255K | 31 |
| Investment home improvement | 76% | 29 / 38 | 100% | $135K | 29 |
Oceanair Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 74% | $115K | 1,043 | 766 |
| Colorado | 100% | $255K | 10 | 10 |
| Arizona | 71% | $1M | 7 | 5 |
| Nevada | 100% | $305K | 3 | 3 |
| Florida | 100% | $995K | 1 | 1 |
| Minnesota | 0% | — | 1 | 0 |
| Pennsylvania | 100% | $65K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.