Applications / Mortgage Analytics / Lenders / Oklahoma / Oklahoma Central Credit Union
Tulsa, OK · Credit union · NCUA · $728 million assets · 258 loans in 2025
Oklahoma Central Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
258
loans originated, 2025
493
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Oklahoma Central Credit Union, of Tulsa, makes small loans to people improving or refinancing the homes they own; its typical loan was $65,000.
Home improvement took 46.1% of its loans and refinances 40.7%. Purchases were 10.9%. Its typical loan was $65,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), among the lowest twentieth. So its 258 loans, near the middle of the group, came to just $23.1 million, less than at about four in five of its peers.
It made 11% more loans than in 2024, up from 232. Similar lenders grew 6% and the whole market 10%. Its growth was near the middle of its peers.
In Tulsa, where it has lent since at least 1990, it ranked 47 of 476 lenders, with an unchanged 0.4% of lending. Associated Mortgage, Arvest Bank and BOKF led. All 12 of the counties where it lends are in Oklahoma.
Low- and moderate-income (LMI) neighborhoods took 18.6% of its loans, up from 13.8%, against 16.2% at similar lenders. That is higher than at about three in five of them. Majority-minority neighborhoods took 12.0%, against 12.2%, near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Oklahoma Central Credit Union took 493 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 46.1% · Refinance 40.7% · Purchase 10.9% · Other 2.3%
Conventional 100.0% · of 258 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 | 258 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 251 |
| Fort Smith | 1 |
| Oklahoma City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930068H3KVFOUG0285 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 218793 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562322 | 1990–2017 |
Established 1 January 1941. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Oklahoma Central Credit Union's data.
Oklahoma Central Credit Union's data
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Oklahoma Central 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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