Applications / Mortgage Analytics / Lenders / Oklahoma / TTCU Federal Credit Union
Tulsa, OK · Credit union · NCUA · $2.7 billion assets · 993 loans in 2025
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993
loans originated, 2025
1,419
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TTCU Federal Credit Union is a Tulsa credit union where home-improvement loans make up 53.7% of lending, and it ranks 12 of 476 lenders in Tulsa.
Home improvement was 53.7% of its loans, other purposes 18.9%, home purchase 17.5% and refinance 9.9%. Its typical loan of $95,000 is lower than about three in four similar lenders' ($105,000); similar lenders are credit unions making between half and twice as many loans. Higher-priced loans (a rate well above the average for similar loans) were 0.5%, against 1.7%.
Its Tulsa share rose to 2.0% from 1.9%, ranking 12 of 476 lenders, in a market it has served since before 1990. Associated Mortgage, Arvest Bank and BOKF lead there.
Its originations rose 6%, against 9% for similar lenders and 10% for the whole market, near the middle. Its count rose from 374 in 2018 to 1,595 in 2020, then fell back; dollar volume was $129.3 million, against $298.7 million five years before.
Low- and moderate-income (LMI) borrowers took 26.2% of its loans, up from 18.6% five years before and near similar lenders' 27.8%. It turned down 2.4% of home-purchase applications, against 6.1%, lower than more than four in five similar lenders.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. TTCU Federal Credit Union took 1,419 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 53.7% · Other 18.9% · Purchase 17.5% · Refinance 9.9%
Conventional 99.5% · VA 0.3% · FHA 0.1% · USDA (RHS or FSA) 0.1% · of 993 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 | 984 | 99.1% |
| Missouri | 6 | 0.6% |
| Arkansas | 2 | 0.2% |
| Kansas | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 851 |
| Oklahoma City | 26 |
| Joplin | 3 |
| Kansas City | 2 |
| Little Rock-North Little Rock-Conway | 2 |
| Lawrence | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900F8XCJE1G9OYR92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 508690 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560553 | 1990–2016 |
| Respondent ID (the HMDA filer code before 2018) | 524887 | 2017–2017 |
Established 1 January 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: TTCU Federal Credit Union's data.
TTCU Federal Credit Union's data
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TTCU 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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