Oklahoma'S 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 C 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%
25th17.2% deniedProcesswithdrawn + incomplete share, weight 15%
47th12.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 633 | 439 | 17.5% | 20.2% | 7.25% | $59M |
| 2024 | 297 | 179 | 13.8% | 18.6% | 7.00% | $35M |
| 2025 | 370 | 269 | 15.1% | 17.2% | 7.25% | $54M |
What Oklahoma'S 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: 1 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 53 investment properties.
Who gets approved at Oklahoma'S 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 | 38 | 19 | 47.2% |
| $50k – $100k | 141 | 95 | 16.7% |
| $100k – $150k | 78 | 59 | 19.2% |
| $150k – $250k | 57 | 48 | 5.9% |
| Over $250k | 20 | 15 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 32 | 23 | 14.8% |
| 35–44 | 74 | 46 | 25.8% |
| 45–54 | 78 | 59 | 16.9% |
| 55–64 | 68 | 50 | 16.7% |
| 65–74 | 57 | 37 | 22.9% |
Where Oklahoma'S Credit Union lends
2 states and 40 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Oklahoma | 369 | 268 | 15.2% | 7.25% | #79 |
Frequently asked questions
Oklahoma'S Credit Union denied 17.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 25th percentile of small mortgage lenders.
The median interest rate on loans Oklahoma'S Credit Union originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 28% of its applications were for home purchases, 52% for refinancing (including cash-out), and 19% for home improvement or other purposes. By loan type: 97% conventional, 2% FHA, 1% 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.