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 score and performance metrics.

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 an overall pricing score of 80.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is OKLAHOMA CENTRAL Credit Union?

OKLAHOMA CENTRAL Credit Union is a Credit Union headquartered in Tulsa, OK.

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OKLAHOMA CENTRAL Credit Union

Credit Union•Tulsa, OKHQ•Direct•Reviews near you on Google

OKLAHOMA CENTRAL Credit Union has 40 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Mediocre

1/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Single State · 1 mkts

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

OKLAHOMA CENTRAL Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+5.9 bps above market avg

Pull Through

Closing strength

Mediocre

Bottom 20% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Exceptional	Mediocre	40	100.0%	+0.059%Above	$872Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Mediocre

Volume40

Mix100.0%

Spread

+0.059%Above

Fees

$872Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Mediocre	32	80.0%	-0.051%Below	$718Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Mediocre

Volume32

Mix80.0%

Spread

-0.051%Below

Fees

$718Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

141

Volume

$8 million

Pricing & Closing

Avg Rate Spread

+0.059%

vs. market APOR

Avg Net Fees

$872

Origination − Credits

Pullthrough Rate

28.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$215,250

Avg Borrower Income

$112,450

Avg Property Value

$300,000

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

South1

Top Metro Areas by Place Specialization Score

Tulsa, OKMetro

Volume 35Mix 87.50% of portfolio

64/100

Strong

Top States by Place Specialization Score

OklahomaState

Volume 40Mix 100.00% of portfolio

63/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.