Applications / Mortgage Analytics / Lenders / Oklahoma / The Focus Federal Credit Union
Oklahoma City, OK · Credit union · NCUA · $159 million assets · 65 loans in 2025
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65
loans originated, 2025
146
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Focus Federal Credit Union, an Oklahoma City lender, makes most of its loans for purposes other than buying or refinancing a home.
Loans for other purposes made up 47.7% of its lending in 2025, and home improvement 10.8%. Purchases were only 18.5% and refinances 23.1%. Its typical loan, $95,000, matched that of similar lenders, meaning credit unions making between half and twice as many loans, and every loan was conventional.
Its typical rate was 6.88%, against 6.75% at the typical peer, near the middle of the group. A year earlier it was 7.19%.
It has lent in Oklahoma City since 1995 and ranked 162 of 534 lenders there in 2025, with a share of 0.1%, unchanged on the year. It lends in 11 counties of one state.
It made 65 loans, down 7%, while similar lenders grew 7% and the whole market 10%. At this size a handful of loans makes the difference. Its count peaked at 115 in 2020 and fell to 44 in 2023 before recovering to 70 in 2024.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Focus Federal Credit Union took 146 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 47.7% · Refinance 23.1% · Purchase 18.5% · Home improvement 10.8%
Conventional 100.0% · of 65 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 | 65 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 60 |
| Tulsa | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900R3GSQ9SP0VJU09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 816984 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510283 | 1995–2017 |
Established 1 January 1955. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: The Focus Federal Credit Union's data.
The Focus Federal Credit Union's data
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The Focus 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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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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