Tulsa Federal Credit Union in Oklahoma vs the state
19.7%Denial rate+1.75 pts vs state
25.5%Decision denial rate+2.66 pts vs state
51.2%Origination rate-4.95 pts vs state
7.88%Median rate+1.25 pts vs state
0.80Rate spread (pts)+0.45 pts vs state
$96kMedian applicant income
312Loans originated
120Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 830 | 367 | 24.2% | 7.88% | #30 |
| 2024 | 702 | 310 | 23.1% | 8.00% | #42 |
| 2025 | 610 | 312 | 19.7% | 7.88% | #54 |
What Tulsa Federal Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Tulsa Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 352 | 190 | 72 | 20.5% |
| Wagoner County | 59 | 29 | 11 | 18.6% |
| Rogers County | 57 | 30 | 10 | 17.5% |
| Creek County | 37 | 15 | 10 | 27.0% |
| Osage County | 32 | 16 | 2 | 6.3% |
| Mayes County | 27 | 10 | 6 | 22.2% |
| Pawnee County | 8 | 5 | 1 | 12.5% |
| Okmulgee County | 7 | 3 | 2 | 28.6% |
| Washington County | 6 | 2 | 3 | 50.0% |
| Delaware County | 6 | 2 | 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: 610 applications in 2025, of which 312 were originated and 120 denied.
19.7% of all applications, or 25.5% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Tulsa Federal Credit Union originated in Oklahoma in 2025 was 7.88%, against a statewide median of 6.63%.
About this data. Figures are Tulsa 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