Credit Human Federal Credit Union in Oklahoma vs the state
79.6%Denial rate+61.66 pts vs state
79.7%Decision denial rate+56.79 pts vs state
5.5%Origination rate-50.64 pts vs state
8.00%Median rate+1.38 pts vs state
2.02Rate spread (pts)+1.67 pts vs state
$71kMedian applicant income
54Loans originated
787Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 706 | 38 | 81.0% | 7.70% | #37 |
| 2024 | 871 | 33 | 83.2% | 8.50% | #34 |
| 2025 | 989 | 54 | 79.6% | 8.00% | #33 |
What Credit Human Federal Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Creek County | 74 | 4 | 58 | 78.4% |
| Tulsa County | 61 | 1 | 55 | 90.2% |
| Cleveland County | 52 | 3 | 37 | 71.2% |
| Osage County | 41 | 0 | 34 | 82.9% |
| Mayes County | 40 | 3 | 30 | 75.0% |
| Okmulgee County | 38 | 1 | 30 | 78.9% |
| Rogers County | 37 | 0 | 30 | 81.1% |
| Cherokee County | 34 | 4 | 24 | 70.6% |
| Oklahoma County | 32 | 1 | 27 | 84.4% |
| Pottawatomie County | 31 | 0 | 29 | 93.5% |
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: 989 applications in 2025, of which 54 were originated and 787 denied.
79.6% of all applications, or 79.7% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Credit Human Federal Credit Union originated in Oklahoma in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Credit Human 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