Applications / Mortgage Analytics / Lenders / Oklahoma / Municipal Employees Credit Union of Oklahoma City
Oklahoma City, OK · Credit union · NCUA · $189 million assets · 42 loans in 2025
Municipal Employees Credit Union of Oklahoma City's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
42
loans originated, 2025
69
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Municipal Employees Credit Union of Oklahoma City, lending in its home city since 1991, made 50% more home loans in 2025 than a year before, recovering from a low of 12 in 2023.
Its loans rose 50% to 42, while similar lenders, credit unions making between half and twice as many loans, grew 3%. That was faster than more than four in five of them. It made 89 loans in 2020 and only 12 in 2023. At this size a few loans swing the year.
Its typical loan was $155,000, against $90,000 at similar lenders, larger than at about three-quarters of them. Its loans totaled $8.8 million, against $6.0 million for the typical peer, though it made fewer loans than most. Its typical rate, 6.50%, was below the 6.75% typical of peers.
Some 26.2% of its loans went to low- and moderate-income (LMI) neighborhoods, against 17.3% at similar lenders, more than at about three in four of them. Its share of loans to LMI borrowers, 23.8%, was lower than the peer figure of 31.4%. Its larger loans may go to borrowers with higher incomes, and on 42 loans a few borrowers move the share.
It lends in five counties, all in Oklahoma. In Oklahoma City it ranks 154 of 534 lenders, and its share rose to 0.1%. First United Bank and Trust Company leads that market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Municipal Employees Credit Union of Oklahoma City took 69 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.8% · Refinance 45.2%
Conventional 100.0% · of 42 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 | 42 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 41 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900Y4P4X4Y1L26R43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 759894 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 565503 | 1990–2017 |
Established 1 January 1934. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Municipal Employees Credit Union of Oklahoma City's data.
Municipal Employees Credit Union of Oklahoma City's data
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Municipal Employees Credit Union of Oklahoma City 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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