OKLAHOMA CENTRAL Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
8th29.0% deniedPricingmedian rate spread over APOR, weight 30%
4th1.62 ptsProcesswithdrawn + incomplete share, weight 15%
10th25.8%Closing coststotal loan costs ÷ loan amount, weight 10%
3rd6.19% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 423 | 251 | 15.1% | 19.6% | 6.99% | $21M |
| 2024 | 430 | 232 | 12.3% | 17.3% | 7.24% | $21M |
| 2025 | 493 | 258 | 21.5% | 29.0% | 7.24% | $23M |
What OKLAHOMA CENTRAL Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 164 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 27 investment properties.
Why OKLAHOMA CENTRAL Credit Union denies applications
Primary reason reported for each of the 106 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at OKLAHOMA CENTRAL Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 74 | 22 | 58.2% |
| $50k – $100k | 178 | 87 | 33.6% |
| $100k – $150k | 128 | 82 | 17.8% |
| $150k – $250k | 78 | 56 | 13.9% |
| Over $250k | 24 | 11 | 15.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 75 | 31 | 36.7% |
| 35–44 | 104 | 49 | 35.5% |
| 45–54 | 131 | 84 | 19.1% |
| 55–64 | 83 | 47 | 21.7% |
| 65–74 | 60 | 34 | 28.6% |
| Over 74 | 23 | 9 | 47.1% |
Where OKLAHOMA CENTRAL Credit Union lends
4 states and 27 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Oklahoma | 432 | 258 | 19.9% | 7.24% | #69 |
Frequently asked questions
OKLAHOMA CENTRAL Credit Union denied 29.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 8th percentile of small mortgage lenders.
The most common reason OKLAHOMA CENTRAL Credit Union gave in 2025 was "credit history", cited on 57.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans OKLAHOMA CENTRAL Credit Union originated in 2025 was 7.24%, and its median rate spread over the average prime offer rate was 1.62 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 21% of its applications were for home purchases, 52% for refinancing (including cash-out), and 27% for home improvement or other purposes. By loan type: 96% conventional, 3% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.