Communication Federal Credit Union in Oklahoma vs the state
13.5%Denial rate-4.44 pts vs state
14.6%Decision denial rate-8.31 pts vs state
56.4%Origination rate+0.25 pts vs state
7.25%Median rate+0.63 pts vs state
1.20Rate spread (pts)+0.86 pts vs state
$108kMedian applicant income
439Loans originated
105Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,057 | 646 | 12.4% | 7.50% | #25 |
| 2024 | 830 | 513 | 12.9% | 7.50% | #36 |
| 2025 | 779 | 439 | 13.5% | 7.25% | #42 |
What Communication Federal Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Communication Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 198 | 107 | 26 | 13.1% |
| Tulsa County | 131 | 84 | 13 | 9.9% |
| Canadian County | 65 | 43 | 10 | 15.4% |
| Cleveland County | 58 | 34 | 6 | 10.3% |
| Carter County | 33 | 12 | 4 | 12.1% |
| Pottawatomie County | 26 | 11 | 7 | 26.9% |
| Wagoner County | 23 | 14 | 1 | 4.3% |
| McClain County | 20 | 13 | 5 | 25.0% |
| Logan County | 18 | 13 | 0 | 0.0% |
| Garfield County | 16 | 9 | 2 | 12.5% |
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: 779 applications in 2025, of which 439 were originated and 105 denied.
13.5% of all applications, or 14.6% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Communication Federal Credit Union originated in Oklahoma in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Communication 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