United Federal Credit Union in Oklahoma vs the state
27.7%Denial rate+9.80 pts vs state
31.5%Decision denial rate+8.59 pts vs state
58.4%Origination rate+2.32 pts vs state
6.50%Median rate-0.13 pts vs state
0.43Rate spread (pts)+0.08 pts vs state
$78kMedian applicant income
59Loans originated
28Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 82 | 45 | 31.7% | 7.38% | #181 |
| 2024 | 74 | 37 | 33.8% | 8.50% | #201 |
| 2025 | 101 | 59 | 27.7% | 6.50% | #187 |
What United Federal Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most United Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Le Flore County | 46 | 31 | 9 | 19.6% |
| Sequoyah County | 34 | 19 | 11 | 32.4% |
| Delaware County | 3 | 2 | 1 | 33.3% |
| Tulsa County | 3 | 1 | 1 | 33.3% |
| Haskell County | 3 | 0 | 2 | 66.7% |
| Oklahoma County | 2 | 0 | 2 | 100.0% |
| Cherokee County | 2 | 1 | 0 | 0.0% |
| Latimer County | 2 | 1 | 0 | 0.0% |
| Muskogee County | 2 | 2 | 0 | 0.0% |
| Wagoner County | 1 | 0 | 1 | 100.0% |
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: 101 applications in 2025, of which 59 were originated and 28 denied.
27.7% of all applications, or 31.5% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans United Federal Credit Union originated in Oklahoma in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are United 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