Service Federal Credit Union in Oklahoma vs the state
30.8%Denial rate+12.85 pts vs state
44.4%Decision denial rate+21.57 pts vs state
38.5%Origination rate-17.64 pts vs state
6.88%Median rate+0.25 pts vs state
-0.64Rate spread (pts)-0.99 pts vs state
$118kMedian applicant income
5Loans originated
4Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 6 | 10.0% | 6.62% | #374 |
| 2025 | 13 | 5 | 30.8% | 6.88% | #375 |
What Service Federal Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Service Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Comanche County | 6 | 1 | 1 | 16.7% |
| Stephens County | 2 | 1 | 1 | 50.0% |
| Cleveland County | 2 | 1 | 1 | 50.0% |
| Oklahoma County | 1 | 0 | 1 | 100.0% |
| Canadian County | 1 | 1 | 0 | 0.0% |
| Garfield County | 1 | 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: 13 applications in 2025, of which 5 were originated and 4 denied.
30.8% of all applications, or 44.4% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Service Federal Credit Union originated in Oklahoma in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Service 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