US Employees O.C. Federal Credit Union in Oklahoma vs the state
31.0%Denial rate+13.11 pts vs state
39.1%Decision denial rate+16.26 pts vs state
45.7%Origination rate-10.41 pts vs state
7.00%Median rate+0.38 pts vs state
—Rate spread (pts)
$61kMedian applicant income
53Loans originated
36Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 141 | 58 | 36.2% | 8.25% | #131 |
| 2024 | 197 | 93 | 27.4% | 7.00% | #115 |
| 2025 | 116 | 53 | 31.0% | 7.00% | #167 |
What US Employees O.C. Federal Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most US Employees O.C. Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 76 | 33 | 26 | 34.2% |
| Cleveland County | 21 | 12 | 4 | 19.0% |
| Canadian County | 6 | 5 | 1 | 16.7% |
| Garvin County | 1 | 0 | 1 | 100.0% |
| Atoka County | 1 | 0 | 0 | 0.0% |
| Kay County | 1 | 0 | 0 | 0.0% |
| Tulsa County | 1 | 0 | 0 | 0.0% |
| Blaine County | 1 | 0 | 0 | 0.0% |
| Cherokee County | 1 | 0 | 1 | 100.0% |
| Alfalfa 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: 116 applications in 2025, of which 53 were originated and 36 denied.
31.0% of all applications, or 39.1% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans US Employees O.C. Federal Credit Union originated in Oklahoma in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are US Employees O.C. 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