WEOKIE Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
10th27.5% deniedPricingmedian rate spread over APOR, weight 30%
42nd0.34 ptsProcesswithdrawn + incomplete share, weight 15%
19th20.4%Closing coststotal loan costs ÷ loan amount, weight 10%
89th0.84% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 627 | 393 | 8.9% | 12.5% | 7.00% | $70M |
| 2024 | 1,126 | 718 | 8.7% | 11.9% | 7.25% | $69M |
| 2025 | 1,247 | 616 | 21.9% | 27.5% | 6.38% | $82M |
What WEOKIE Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 504 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 69 investment properties.
Why WEOKIE Federal Credit Union denies applications
Primary reason reported for each of the 273 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at WEOKIE Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 201 | 58 | 51.0% |
| $50k – $100k | 373 | 196 | 27.0% |
| $100k – $150k | 255 | 151 | 18.1% |
| $150k – $250k | 218 | 147 | 13.2% |
| Over $250k | 127 | 41 | 36.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 163 | 65 | 35.3% |
| 35–44 | 322 | 167 | 24.1% |
| 45–54 | 310 | 161 | 27.9% |
| 55–64 | 222 | 108 | 29.5% |
| 65–74 | 114 | 59 | 28.1% |
| Over 74 | 51 | 31 | 20.9% |
Where WEOKIE Federal Credit Union lends
1 states and 44 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Oklahoma | 1,247 | 616 | 21.9% | 6.38% | #26 |
Frequently asked questions
WEOKIE Federal Credit Union denied 27.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 10th percentile of small mortgage lenders.
The most common reason WEOKIE Federal Credit Union gave in 2025 was "credit history", cited on 44.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans WEOKIE Federal Credit Union originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was 0.34 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 13% of its applications were for home purchases, 86% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.