Applications / Mortgage Analytics / Lenders / Oklahoma / Communication Federal Credit Union
Oklahoma City, OK · Credit union · NCUA · $2.3 billion assets · 449 loans in 2025
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449
loans originated, 2025
808
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Communication Federal Credit Union, an Oklahoma lender built on home-improvement and refinance loans, made fewer loans in 2025 while most similar lenders made more.
It made 449 loans in 2025, 16% fewer than the 532 of 2024. Similar lenders, credit unions making between half and twice as many loans, grew by 6%. Its lending has fallen every year since 2022, when it made 745 loans. Fewer members seeking home-improvement or refinance loans is one possible reason; the data do not say which.
Home improvement made up 35.9% of its loans and refinancing 35.2%. Purchases were only 21.8%. Its typical loan was $85,000, against $105,000 at similar lenders, smaller than at about four in five of them. That fits a mix weighted to home improvement.
In Oklahoma City, where it has lent since at least 1990, it ranked 57 of 534 lenders, and its share fell by 0.1 points to 0.4%. In Tulsa its share also fell by 0.1 points, to 0.2%. The drop in its own lending could account for both.
Only 0.9% of its loans were higher-priced (a rate well above the average for similar loans), against 1.9% at similar lenders. Borrowers with low and moderate incomes (LMI) took 25.6% of its loans, up from 18.9% in 2020. That put it near the middle of its peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Communication Federal Credit Union took 808 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 35.9% · Refinance 35.2% · Purchase 21.8% · Other 7.1%
Conventional 98.2% · FHA 1.1% · USDA (RHS or FSA) 0.4% · VA 0.2% · of 449 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 | 439 | 97.8% |
| Kansas | 10 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 223 |
| Tulsa | 113 |
| Enid | 9 |
| Lawton | 8 |
| Topeka | 7 |
| Kansas City | 2 |
| Fort Smith | 1 |
| Manhattan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300V71V12DS7RW675 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 603670 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53454 | 1990–2017 |
Established 1 January 1939. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Communication Federal Credit Union's data.
Communication Federal Credit Union's data
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Communication 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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