ALLEGIANCE Federal Credit Union
ALLEGIANCE Federal Credit Union received 306 applications in 2025 and made 150 mortgages, in 23 counties across 1 state. The median rate its borrowers got was 6.375% on a median loan of $105,000. Of 228 decisions, 52 were denials — 22.8%, most often for debt-to-income ratio. 63 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493007U8EFNQS3VJQ70 |
|---|---|
| Applications received | 306 |
| Mortgages made | 150 |
| Denied | 52 |
| Approved, not taken up | 26 |
| Withdrawn or incomplete | 78 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.477 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 21 | 6.375% | $225,000 | 21.9% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 28.6% |
| Cash-out refinancing | 105 | 6.500% | $75,000 | 22.1% |
| Other purposes | 17 | 6.375% | $115,000 | 25.0% |
Where ALLEGIANCE Federal Credit Union lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Oklahoma County, OK | 69 | 6.500% | 25.2% |
| Cleveland County, OK | 25 | 6.375% | 12.9% |
| Canadian County, OK | 20 | 6.500% | 25.0% |
| Logan County, OK | 13 | 6.500% | 16.7% |
| Grady County, OK | 6 | Under 10 loans | 0.0% |
| Pottawatomie County, OK | 4 | Under 10 loans | 16.7% |
| Tulsa County, OK | 4 | Under 10 loans | 0.0% |
| Lincoln County, OK | 2 | Under 10 loans | 0.0% |
| Seminole County, OK | 2 | Under 10 loans | 0.0% |
| Delaware County, OK | 1 | Under 10 loans | 0.0% |
| McClain County, OK | 1 | Under 10 loans | 0.0% |
| Mayes County, OK | 1 | Under 10 loans | 0.0% |
| Noble County, OK | 1 | Under 10 loans | 0.0% |
| Woodward County, OK | 1 | Under 10 loans | 0.0% |
| Caddo County, OK | 0 | Under 10 loans | 33.3% |
| Craig County, OK | 0 | Under 10 loans | Not published |
| Creek County, OK | 0 | Under 10 loans | 100.0% |
| Garvin County, OK | 0 | Under 10 loans | 100.0% |
| McCurtain County, OK | 0 | Under 10 loans | Not published |
| Okmulgee County, OK | 0 | Under 10 loans | 100.0% |
| Rogers County, OK | 0 | Under 10 loans | 100.0% |
| Sequoyah County, OK | 0 | Under 10 loans | Not published |
| Wagoner County, OK | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.