The Focus Federal Credit Union in Oklahoma vs the state
30.3%Denial rate+12.38 pts vs state
38.1%Decision denial rate+15.23 pts vs state
49.2%Origination rate-6.86 pts vs state
6.88%Median rate+0.25 pts vs state
—Rate spread (pts)
$99kMedian applicant income
65Loans originated
40Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 106 | 44 | 31.1% | 7.50% | #161 |
| 2024 | 134 | 70 | 29.1% | 7.19% | #146 |
| 2025 | 132 | 65 | 30.3% | 6.88% | #159 |
What The Focus Federal Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most The Focus Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 25 | 25 | 0 | 0.0% |
| Grady County | 10 | 10 | 0 | 0.0% |
| Canadian County | 9 | 9 | 0 | 0.0% |
| Cleveland County | 8 | 8 | 0 | 0.0% |
| McClain County | 5 | 5 | 0 | 0.0% |
| Logan County | 2 | 2 | 0 | 0.0% |
| Garvin County | 2 | 2 | 0 | 0.0% |
| Muskogee County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Creek 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: 132 applications in 2025, of which 65 were originated and 40 denied.
30.3% of all applications, or 38.1% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans The Focus Federal Credit Union originated in Oklahoma in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are The Focus 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