Navy Federal Credit Union in Oklahoma vs the state
18.6%Denial rate+0.72 pts vs state
28.1%Decision denial rate+5.27 pts vs state
46.8%Origination rate-9.30 pts vs state
6.38%Median rate-0.25 pts vs state
-0.12Rate spread (pts)-0.47 pts vs state
$108kMedian applicant income
811Loans originated
323Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,620 | 761 | 24.6% | 6.25% | #16 |
| 2024 | 1,763 | 826 | 20.6% | 6.70% | #15 |
| 2025 | 1,733 | 811 | 18.6% | 6.38% | #18 |
What Navy Federal Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 424 | 182 | 75 | 17.7% |
| Cleveland County | 213 | 102 | 37 | 17.4% |
| Tulsa County | 187 | 95 | 41 | 21.9% |
| Comanche County | 150 | 77 | 25 | 16.7% |
| Canadian County | 130 | 57 | 29 | 22.3% |
| Logan County | 55 | 27 | 11 | 20.0% |
| McClain County | 46 | 24 | 11 | 23.9% |
| Wagoner County | 40 | 19 | 8 | 20.0% |
| Rogers County | 40 | 20 | 7 | 17.5% |
| Pottawatomie County | 37 | 14 | 8 | 21.6% |
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: 1,733 applications in 2025, of which 811 were originated and 323 denied.
18.6% of all applications, or 28.1% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Navy Federal Credit Union originated in Oklahoma in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Navy 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