Oklahoma Educators Credit Union
Oklahoma Educators Credit Union received 141 applications in 2025 and made 87 mortgages, in 32 counties across 1 state. The median rate its borrowers got was 7.795% on a median loan of $85,000. Of 111 decisions, 18 were denials — 16.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900F4K0YUTIQ7Q952 |
|---|---|
| Applications received | 141 |
| Mortgages made | 87 |
| Denied | 18 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 30 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.981 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 | 9 | Under 10 loans | Under 10 loans | 14.3% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 35 | 7.595% | $95,000 | 21.3% |
| Other purposes | 41 | 8.295% | $65,000 | 12.8% |
Where Oklahoma Educators Credit Union lends most
The 32 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 | 28 | 7.845% | 9.7% |
| Cleveland County, OK | 17 | 7.795% | 14.3% |
| Canadian County, OK | 13 | 7.495% | 23.5% |
| Stephens County, OK | 6 | Under 10 loans | 11.1% |
| Grady County, OK | 3 | Under 10 loans | 0.0% |
| Caddo County, OK | 2 | Under 10 loans | 0.0% |
| McClain County, OK | 2 | Under 10 loans | 0.0% |
| Tulsa County, OK | 2 | Under 10 loans | 0.0% |
| Alfalfa County, OK | 1 | Under 10 loans | 0.0% |
| Beckham County, OK | 1 | Under 10 loans | 0.0% |
| Carter County, OK | 1 | Under 10 loans | 0.0% |
| Comanche County, OK | 1 | Under 10 loans | 0.0% |
| Garvin County, OK | 1 | Under 10 loans | 0.0% |
| Haskell County, OK | 1 | Under 10 loans | 0.0% |
| Kay County, OK | 1 | Under 10 loans | 50.0% |
| Logan County, OK | 1 | Under 10 loans | 0.0% |
| McCurtain County, OK | 1 | Under 10 loans | 0.0% |
| McIntosh County, OK | 1 | Under 10 loans | 0.0% |
| Muskogee County, OK | 1 | Under 10 loans | 0.0% |
| Okmulgee County, OK | 1 | Under 10 loans | 0.0% |
| Payne County, OK | 1 | Under 10 loans | 0.0% |
| Pottawatomie County, OK | 1 | Under 10 loans | 0.0% |
| Choctaw County, OK | 0 | Under 10 loans | Not published |
| Custer County, OK | 0 | Under 10 loans | 100.0% |
| Harper County, OK | 0 | Under 10 loans | 100.0% |
| Kingfisher County, OK | 0 | Under 10 loans | 66.7% |
| Le Flore County, OK | 0 | Under 10 loans | Not published |
| Major County, OK | 0 | Under 10 loans | 100.0% |
| Marshall County, OK | 0 | Under 10 loans | 0.0% |
| Seminole County, OK | 0 | Under 10 loans | Not published |
| Wagoner County, OK | 0 | Under 10 loans | 100.0% |
| Woods 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.