Applications / Mortgage Analytics / Lenders / Oklahoma / Energy One Federal Credit Union
Tulsa, OK · Credit union · NCUA · $290 million assets · 37 loans in 2025
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37
loans originated, 2025
41
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Energy One Federal Credit Union, a Tulsa credit union, returned to the record in 2025 after three years without a report; its loans, mostly refinances, are larger than similar credit unions'.
It reported 37 loans in 2025, its first report since 2021, when it made 19. It filed none for 2022 to 2024, so there is no 2024 figure to compare. It made 111 loans in 2020. It lends in 7 metros in 3 states, mostly in Oklahoma; they run from Tulsa, OK to Houston-Pasadena-The Woodlands, TX and Monroe, LA.
Its typical loan was $215,000, against $87,500 at similar lenders (credit unions making between half and twice as many loans), larger than nearly nine in ten of them. Its lending came to $8.6 million, against peers' $5.3 million. Refinances made up 62.2% of its loans and home purchases 37.8%.
Its typical rate was 6.00%, against 6.75% at similar lenders, lower than about nine in ten of them. It made no higher-priced loans (a rate well above the average for similar loans), where peers made 3.1%.
Of its loans, 43.2% were in majority-minority areas, against 9.1% at similar lenders, more than about four in five of them. Its share to low- and moderate-income (LMI) borrowers, 18.9%, was lower than peers' 31.6%; its larger loans are one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Energy One Federal Credit Union took 41 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 62.2% · Purchase 37.8%
Conventional 97.3% · USDA (RHS or FSA) 2.7% · of 37 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 | 20 | 54.1% |
| Texas | 16 | 43.2% |
| Louisiana | 1 | 2.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 19 |
| Houston-Pasadena-The Woodlands | 11 |
| Corpus Christi | 2 |
| Dallas-Plano-Irving | 2 |
| Monroe | 1 |
| Oklahoma City | 1 |
| Waco | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930013MXTMNAENKY84 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 28170 | 2004–2021 |
| Respondent ID (the HMDA filer code before 2018) | 5256 | 1994–2017 |
Established 1 January 1935. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Energy One Federal Credit Union's data.
Energy One Federal Credit Union's data
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Energy One 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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