ALLEGIANCE Federal Credit Union in Oklahoma vs the state
17.0%Denial rate-0.93 pts vs state
22.8%Decision denial rate-0.06 pts vs state
49.0%Origination rate-7.08 pts vs state
6.38%Median rate-0.25 pts vs state
0.48Rate spread (pts)+0.13 pts vs state
$105kMedian applicant income
150Loans originated
52Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 221 | 117 | 24.9% | 7.25% | #106 |
| 2024 | 324 | 191 | 17.6% | 7.00% | #80 |
| 2025 | 306 | 150 | 17.0% | 6.38% | #92 |
What ALLEGIANCE Federal Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most ALLEGIANCE Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 133 | 69 | 28 | 21.1% |
| Cleveland County | 35 | 25 | 4 | 11.4% |
| Canadian County | 35 | 20 | 8 | 22.9% |
| Logan County | 22 | 13 | 3 | 13.6% |
| Grady County | 10 | 6 | 0 | 0.0% |
| Pottawatomie County | 6 | 4 | 1 | 16.7% |
| Tulsa County | 4 | 4 | 0 | 0.0% |
| McClain County | 3 | 1 | 0 | 0.0% |
| Caddo County | 3 | 0 | 1 | 33.3% |
| Seminole County | 2 | 2 | 0 | 0.0% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 306 applications in 2025, of which 150 were originated and 52 denied.
17.0% of all applications, or 22.8% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans ALLEGIANCE Federal Credit Union originated in Oklahoma in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are ALLEGIANCE Federal Credit Union's own HMDA filing for properties located in Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology