Empeople Credit Union in Oklahoma vs the state
24.1%Denial rate+6.22 pts vs state
29.2%Decision denial rate+6.30 pts vs state
58.6%Origination rate+2.52 pts vs state
6.49%Median rate-0.13 pts vs state
-0.12Rate spread (pts)-0.46 pts vs state
$111kMedian applicant income
17Loans originated
7Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 39 | 17 | 25.6% | 6.49% | #244 |
| 2024 | 41 | 18 | 22.0% | 6.25% | #258 |
| 2025 | 29 | 17 | 24.1% | 6.49% | #306 |
What Empeople Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 4 | 1 | 1 | 25.0% |
| Garfield County | 4 | 3 | 1 | 25.0% |
| Le Flore County | 3 | 3 | 0 | 0.0% |
| Wagoner County | 3 | 2 | 0 | 0.0% |
| Marshall County | 2 | 0 | 2 | 100.0% |
| Oklahoma County | 2 | 1 | 0 | 0.0% |
| Mayes County | 1 | 0 | 0 | 0.0% |
| Carter County | 1 | 0 | 1 | 100.0% |
| Texas County | 1 | 1 | 0 | 0.0% |
| Nowata 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: 29 applications in 2025, of which 17 were originated and 7 denied.
24.1% of all applications, or 29.2% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Empeople Credit Union originated in Oklahoma in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Empeople 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