ARKANSAS Federal Credit Union in Oklahoma vs the state
18.8%Denial rate+0.83 pts vs state
24.0%Decision denial rate+1.13 pts vs state
59.4%Origination rate+3.28 pts vs state
7.13%Median rate+0.50 pts vs state
0.49Rate spread (pts)+0.14 pts vs state
$66kMedian applicant income
19Loans originated
6Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 9 | 25.0% | 7.25% | #356 |
| 2024 | 22 | 10 | 40.9% | 8.25% | #306 |
| 2025 | 32 | 19 | 18.8% | 7.13% | #299 |
What ARKANSAS Federal Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most ARKANSAS Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Le Flore County | 7 | 3 | 2 | 28.6% |
| Sequoyah County | 6 | 5 | 0 | 0.0% |
| Adair County | 3 | 2 | 0 | 0.0% |
| Blaine County | 2 | 0 | 2 | 100.0% |
| Oklahoma County | 2 | 2 | 0 | 0.0% |
| Osage County | 2 | 1 | 1 | 50.0% |
| Tulsa County | 2 | 0 | 1 | 50.0% |
| Garfield County | 2 | 1 | 0 | 0.0% |
| Muskogee County | 1 | 1 | 0 | 0.0% |
| Murray County | 1 | 1 | 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: 32 applications in 2025, of which 19 were originated and 6 denied.
18.8% of all applications, or 24.0% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans ARKANSAS Federal Credit Union originated in Oklahoma in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are ARKANSAS 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