Energy One Federal Credit Union Mortgage Rates, Fees & Info
Tulsa, OKLEI: 54930013MXTMNAENKY84
Tax ID: 73-0589767
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Energy One Federal Credit Union is a smaller credit union specializing in Home Purchase and Refi loans. Energy One Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Houston, Tulsa, Bakersfield, Las Vegas, and Dallas among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)Energy One Federal Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
Originations
31Origination Dollar Volume (All Markets)
$7,235,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 8 | $2,800,000 | $350,000 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 12 | $1,790,000 | $149,167 | $0 | 0.00% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 0.00% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $0 | 0.00% |
| Rockport, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 31 | $7,235,000 | $233,387 | $0 | 0.00% |
For 2019, Energy One Federal Credit Union's most frequently originated type of loan was Conventional, with 31 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 15 | $4,515,000 | $301,000 | $0 | 0.00% |
| Cash Out Refi | 9 | $1,025,000 | $113,889 | $0 | 0.00% |
| Refi | 7 | $1,695,000 | $242,143 | $0 | 0.00% |
For 2019, Energy One Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 15 originations. The 2nd most popular reason was Cash Out Refi, with 9 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 31 | $7,235,000 | $233,387 | $0 | 0.00% |
For 2019, Energy One Federal Credit Union's most frequently cited loan duration was Other, with 31 originations.
Loan Sizing
2019 saw Energy One Federal Credit Union place emphasis on $200k-400k loans with 10 originations, totaling $2,780,000 in origination value.
Applicant Income
Energy One Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 12 originations. The second most popular income band? $250k+, with 8 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 31 | $7,235,000 | $233,387 | $0 | 0.00% |
Energy One Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 31 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.35%
Energy One Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination70.97%
Energy One Federal Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 31 | $7,235,000 | $233,387 |