Applications / Mortgage Analytics / Lenders / Oklahoma / US Employees O.C. Federal Credit Union
Oklahoma City, OK · Credit union · NCUA · $203 million assets · 53 loans in 2025
US Employees O.C. Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
53
loans originated, 2025
175
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
US Employees O.C. Federal Credit Union lends far more in poorer and mostly minority neighborhoods than similar lenders do, though its mortgage lending has shrunk sharply.
Some 42.3% of its loans went to low- and moderate-income (LMI) neighborhoods, against 17.7% at similar lenders (credit unions making between half and twice as many loans). More than half, 54.7%, went to LMI borrowers, and 49.1% to majority-minority neighborhoods. On each it is higher than nearly nine in ten of its peers, and on the first two higher than more than nine in ten.
It made 53 loans in 2025, down 43%, while similar lenders grew 6%. In 2020 it made 145. Refinances are 60.4% of its lending, and its typical rate was 3.25% in 2020 against 7.00% now, so a lender built on refinancing may simply have had fewer borrowers with a reason to refinance. Its record is jumpy: 170 loans in 2021, then 37 in 2022.
Its typical loan was $55,000, against $95,000 at peers, and nearly all its lending is conventional. It works in a single metro, Oklahoma City, where it ranks 209 of 534 lenders, far behind First United Bank and Trust Company and Rocket Mortgage.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. US Employees O.C. Federal Credit Union took 175 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 60.4% · Other 24.5% · Purchase 15.1%
Conventional 98.1% · FHA 1.9% · of 53 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 | 53 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 52 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300552HVITY0L9184 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 970774 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52744 | 1993–2017 |
Established 1 January 1938. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: US Employees O.C. Federal Credit Union's data.
US Employees O.C. Federal Credit Union's data
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US Employees O.C. 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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