Applications / Mortgage Analytics / Lenders / Oklahoma / Oklahoma Educators Credit Union
Oklahoma City, OK · Credit union · NCUA · $304 million assets · 87 loans in 2025
Oklahoma Educators Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
87
loans originated, 2025
142
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Oklahoma Educators Credit Union lends mostly to existing homeowners: home-improvement loans and refinances made up nine in ten of its 87 loans in 2025, and its lending grew 30%.
Home improvement accounted for 47.1% of its loans and refinancing for 42.5%; only 10.3% financed a purchase. Its typical loan was $85,000, against $95,000 at the typical similar lender (credit unions making between half and twice as many loans).
Its loans rose 30%, from 67 to 87, while similar lenders grew by 7% and the whole market by 10%; that was faster than about three in four of them. It remains below its peak of 151 loans in 2021.
Its higher-priced share, loans at a rate well above the average for similar loans, was 32.2%, against 3.5% at the typical peer, and its typical rate was 7.79%, against 6.75%. One possible reason is its product mix: nearly half its loans are for home improvement, which are smaller and often priced above first mortgages on a purchase.
It has lent in Oklahoma City since 1991, where it ranked 159 of 534 lenders with a 0.1% share, unchanged on the year. Its lending to low- and moderate-income borrowers, 30.6%, matched the typical peer's.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Educators Credit Union took 142 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 47.1% · Refinance 42.5% · Purchase 10.3%
Conventional 100.0% · of 87 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 | 87 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 64 |
| Tulsa | 3 |
| Lawton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900F4K0YUTIQ7Q952 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 398695 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561088 | 1991–2017 |
Established 1 January 1960. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Oklahoma Educators Credit Union's data.
Oklahoma Educators Credit Union's data
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Oklahoma Educators 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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