True Sky Credit Union in Oklahoma vs the state
33.1%Denial rate+15.15 pts vs state
44.6%Decision denial rate+21.77 pts vs state
41.0%Origination rate-15.09 pts vs state
6.75%Median rate+0.13 pts vs state
0.60Rate spread (pts)+0.25 pts vs state
$79kMedian applicant income
155Loans originated
125Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 330 | 151 | 30.9% | 7.63% | #78 |
| 2024 | 382 | 163 | 32.5% | 7.38% | #71 |
| 2025 | 378 | 155 | 33.1% | 6.75% | #76 |
What True Sky Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most True Sky Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 182 | 60 | 74 | 40.7% |
| Canadian County | 58 | 36 | 9 | 15.5% |
| Cleveland County | 55 | 34 | 13 | 23.6% |
| Grady County | 16 | 6 | 6 | 37.5% |
| McClain County | 16 | 6 | 2 | 12.5% |
| Lincoln County | 10 | 4 | 5 | 50.0% |
| Logan County | 10 | 2 | 5 | 50.0% |
| Caddo County | 7 | 1 | 3 | 42.9% |
| Pottawatomie County | 4 | 1 | 1 | 25.0% |
| Payne County | 4 | 1 | 2 | 50.0% |
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: 378 applications in 2025, of which 155 were originated and 125 denied.
33.1% of all applications, or 44.6% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans True Sky Credit Union originated in Oklahoma in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are True Sky 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