# OKLAHOMA CENTRAL Credit Union

> **Canonical URL:** https://saferate.com/lenders/oklahoma-central-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


OKLAHOMA CENTRAL Credit Union is a credit union, headquartered in Tulsa, OK, with 40 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 19% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 82% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930068H3KVFOUG0285
- **Headquarters:** Tulsa, OK
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** OK
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pull Through: Mediocre 😐
- Score: 18/100
- Rating: ●○○○○ (1/5)

### Pricing Details
- **Average Rate Spread:** +0.059%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $872
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 40
- **Dollar Volume:** $9 million
- **Applications Received:** 141
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $215,250
- **Average Borrower Income:** $112,450
- **Average Property Value:** $300,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 28/100 | 40 | +0.059% | $872 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 32 loans, Score: 27/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 27/100 | 32 | $7M | -0.051% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 40 | 0.10% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Tulsa, OK | OK | 35 | 64/100 |

## Where This Lender Ranks

OKLAHOMA CENTRAL Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Tulsa, OK Credit Unions
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in Tulsa, OK for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does OKLAHOMA CENTRAL Credit Union offer?

OKLAHOMA CENTRAL Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does OKLAHOMA CENTRAL Credit Union offer mortgages?

OKLAHOMA CENTRAL Credit Union offers mortgages in 1 states: OK.

### How competitive are OKLAHOMA CENTRAL Credit Union's mortgage rates?

OKLAHOMA CENTRAL Credit Union has a pricing score of 81/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.059% above market average.

### What type of lender is OKLAHOMA CENTRAL Credit Union?

OKLAHOMA CENTRAL Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Tulsa, OK.

### What is OKLAHOMA CENTRAL Credit Union's loan approval success rate?

OKLAHOMA CENTRAL Credit Union has a pull-through score of 18/100 (Mediocre). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/oklahoma-central-credit-union

### How to Cite

> "OKLAHOMA CENTRAL Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/oklahoma-central-credit-union

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