Heartland Credit Union in Oklahoma vs the state
14.3%Denial rate-3.63 pts vs state
14.3%Decision denial rate-8.58 pts vs state
71.4%Origination rate+15.33 pts vs state
6.63%Median rate0.00 pts vs state
0.23Rate spread (pts)-0.12 pts vs state
$62kMedian applicant income
5Loans originated
1Denied
What Heartland Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Heartland Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cleveland County | 3 | 2 | 0 | 0.0% |
| Tulsa County | 2 | 2 | 0 | 0.0% |
| Grady County | 1 | 0 | 1 | 100.0% |
| Craig 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: 7 applications in 2025, of which 5 were originated and 1 denied.
14.3% of all applications, or 14.3% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Heartland Credit Union originated in Oklahoma in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Heartland 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