OKLAHOMA CENTRAL Credit Union in Oklahoma vs the state
19.9%Denial rate+1.99 pts vs state
24.9%Decision denial rate+1.99 pts vs state
59.7%Origination rate+3.62 pts vs state
7.24%Median rate+0.62 pts vs state
1.62Rate spread (pts)+1.27 pts vs state
$98kMedian applicant income
258Loans originated
86Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 322 | 251 | 11.8% | 6.99% | #81 |
| 2024 | 374 | 232 | 12.0% | 7.24% | #72 |
| 2025 | 432 | 258 | 19.9% | 7.24% | #69 |
What OKLAHOMA CENTRAL Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most OKLAHOMA CENTRAL Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 271 | 166 | 55 | 20.3% |
| Wagoner County | 42 | 33 | 4 | 9.5% |
| Rogers County | 39 | 25 | 7 | 17.9% |
| Creek County | 26 | 17 | 3 | 11.5% |
| Osage County | 12 | 6 | 1 | 8.3% |
| Oklahoma County | 6 | 1 | 2 | 33.3% |
| Washington County | 4 | 3 | 0 | 0.0% |
| Mayes County | 4 | 0 | 2 | 50.0% |
| Pawnee County | 3 | 3 | 0 | 0.0% |
| Muskogee County | 3 | 1 | 1 | 33.3% |
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: 432 applications in 2025, of which 258 were originated and 86 denied.
19.9% of all applications, or 24.9% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans OKLAHOMA CENTRAL Credit Union originated in Oklahoma in 2025 was 7.24%, against a statewide median of 6.63%.
About this data. Figures are OKLAHOMA CENTRAL 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