Applications / Mortgage Analytics / Lenders / Oklahoma / Allegiance Federal Credit Union
Oklahoma City, OK · Credit union · NCUA · $366 million assets · 150 loans in 2025
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150
loans originated, 2025
316
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Allegiance Federal Credit Union, an Oklahoma City lender, is above all a refinancer: 74.7% of its 150 loans in 2025 were refinances.
Purchases took 14.0% of its loans and home improvement 10.7%. Its typical loan, $105,000, matched that of similar lenders (credit unions making between half and twice as many loans). Its typical rate, 6.38%, was lower than their 6.75% and lower than at about seven in ten of them. None of its loans was higher-priced (a rate well above the average for similar loans).
It made 150 loans, down 21% from 191, while similar lenders grew by 9%. In 2020, when its typical rate was 2.75%, it made 464; in 2023 it made 117. A lender this reliant on refinancing may see its volume swing with interest rates.
Majority-minority neighborhoods took 12.7% of its loans, near the middle of its peers, down from 23.6% in 2024. Low- and moderate-income (LMI) neighborhoods also took 12.7%, against 17.3% at similar lenders. With 150 loans, a change in where a few borrowers live can move these shares a long way, and the lower LMI share may reflect where its members live across its 14 counties.
In Oklahoma City, OK, it ranked 92 of 534 lenders. Its share fell from 0.3% to 0.2%, in line with its smaller number of loans. First United Bank and Trust Company led.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Allegiance Federal Credit Union took 316 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 74.7% · Purchase 14.0% · Home improvement 10.7% · Other 0.7%
Conventional 99.3% · FHA 0.7% · of 150 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 | 150 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 136 |
| Tulsa | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007U8EFNQS3VJQ70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 336099 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563250 | 1993–2017 |
Established 1 January 1963. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Allegiance Federal Credit Union's data.
Allegiance Federal Credit Union's data
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Allegiance 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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