Applications / Mortgage Analytics / Lenders / Oklahoma / Tinker Federal Credit Union
Oklahoma City, OK · Credit union · NCUA · $6.1 billion assets · 978 loans in 2025
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978
loans originated, 2025
2,004
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tinker Federal Credit Union is an Oklahoma City credit union whose lending leans to home-improvement loans, and its 978 originations in 2025 fell 10% while similar credit unions grew.
Its originations fell 10%, while similar lenders (credit unions making between half and twice as many loans) grew 8% and the whole market 10%; its growth was lower than nearly nine in ten of them. Dollar volume still rose to $108.1 million from $104.7 million, as the typical loan rose to $75,000 from $65,000. It made 1,507 loans in 2022, the most of any year since 2018.
Home improvement was 41.1% of its loans, refinance 20.8%, other purposes 20.6% and home purchase 17.6%. Its typical loan of $75,000 is lower than more than nine in ten similar lenders' ($105,000), and it made no jumbo loans (larger than the conforming limit).
It ranks 26 of 534 lenders in Oklahoma City, where its share fell to 1.0% from 1.1%, and its Tulsa share fell to 0.1% from 0.2%. Its own loan count fell 10% in a market that grew 10%, which may account for the falls.
Low- and moderate-income (LMI) borrowers took 26.3% of its loans, up from 18.7% in 2024 and near similar lenders' 27.9%. Its shares in LMI areas (15.3%) and majority-minority areas (11.0%) are close to similar lenders' 15.0% and 10.5%.
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Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Tinker Federal Credit Union took 2,004 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 41.1% · Refinance 20.8% · Other 20.6% · Purchase 17.6%
Conventional 97.4% · VA 2.5% · FHA 0.1% · of 978 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Oklahoma | 977 | 99.9% |
| Texas | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 727 |
| Tulsa | 68 |
| Enid | 34 |
| Lawton | 3 |
| Fort Smith | 2 |
| Dallas-Plano-Irving | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PZP3UHKYJ5ET63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 220590 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524524 | 1995–2017 |
Established 1 January 1946. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Tinker Federal Credit Union's data.
Tinker Federal Credit Union's data
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Tinker Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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