The Focus Federal Credit Union
The Focus Federal Credit Union received 146 applications in 2025 and made 65 mortgages, in 11 counties across 13 states. The median rate its borrowers got was 6.875% on a median loan of $95,000. Of 118 decisions, 53 were denials — 44.9%, most often for credit history. 81 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900R3GSQ9SP0VJU09 |
|---|---|
| Applications received | 146 |
| Mortgages made | 65 |
| Denied | 53 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 28 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 12 | 6.250% | $245,000 | 50.0% |
| Refinancing | 10 | 6.000% | $145,000 | 37.5% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Other purposes | 38 | 6.990% | $60,000 | 45.7% |
Where The Focus Federal Credit Union lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Oklahoma County, OK | 25 | 6.990% | 0.0% |
| Grady County, OK | 10 | 6.990% | 0.0% |
| Canadian County, OK | 9 | Under 10 loans | 0.0% |
| Cleveland County, OK | 8 | Under 10 loans | 0.0% |
| McClain County, OK | 5 | Under 10 loans | 0.0% |
| Garvin County, OK | 2 | Under 10 loans | 0.0% |
| Logan County, OK | 2 | Under 10 loans | 0.0% |
| Creek County, OK | 1 | Under 10 loans | 0.0% |
| Lincoln County, OK | 1 | Under 10 loans | 0.0% |
| Muskogee County, OK | 1 | Under 10 loans | 0.0% |
| Tulsa County, OK | 1 | Under 10 loans | 0.0% |
Get told when this changes
When The Focus Federal Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.