MTC Federal Credit Union in Oklahoma vs the state
18.8%Denial rate+0.83 pts vs state
20.0%Decision denial rate-2.87 pts vs state
75.0%Origination rate+18.90 pts vs state
6.38%Median rate-0.25 pts vs state
-0.40Rate spread (pts)-0.75 pts vs state
$58kMedian applicant income
12Loans originated
3Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 17 | 16.0% | — | #294 |
| 2024 | 30 | 12 | 30.0% | 6.75% | #282 |
| 2025 | 16 | 12 | 18.8% | 6.38% | #351 |
What MTC Federal Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most MTC Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Carter County | 11 | 8 | 2 | 18.2% |
| Love County | 4 | 3 | 1 | 25.0% |
| Cleveland 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: 16 applications in 2025, of which 12 were originated and 3 denied.
18.8% of all applications, or 20.0% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans MTC Federal Credit Union originated in Oklahoma in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are MTC 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