Oklahoma Educators Credit Union in Oklahoma vs the state
12.8%Denial rate-5.15 pts vs state
16.2%Decision denial rate-6.65 pts vs state
61.7%Origination rate+5.60 pts vs state
7.80%Median rate+1.17 pts vs state
1.98Rate spread (pts)+1.63 pts vs state
$94kMedian applicant income
87Loans originated
18Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 129 | 68 | 20.9% | 7.70% | #142 |
| 2024 | 129 | 67 | 22.5% | 7.95% | #151 |
| 2025 | 141 | 87 | 12.8% | 7.80% | #156 |
What Oklahoma Educators Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Oklahoma Educators Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 42 | 28 | 3 | 7.1% |
| Cleveland County | 26 | 17 | 3 | 11.5% |
| Canadian County | 23 | 13 | 4 | 17.4% |
| Stephens County | 9 | 6 | 1 | 11.1% |
| Kingfisher County | 3 | 0 | 2 | 66.7% |
| Grady County | 3 | 3 | 0 | 0.0% |
| McCurtain County | 3 | 1 | 0 | 0.0% |
| Tulsa County | 2 | 2 | 0 | 0.0% |
| Custer County | 2 | 0 | 1 | 50.0% |
| Beckham County | 2 | 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: 141 applications in 2025, of which 87 were originated and 18 denied.
12.8% of all applications, or 16.2% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Oklahoma Educators Credit Union originated in Oklahoma in 2025 was 7.80%, against a statewide median of 6.63%.
About this data. Figures are Oklahoma Educators 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