Fixing homes, not buying them
Home improvement made up 57.8% of its 83 loans in 2025 and other purposes 22.9%. Home purchases were only 7.2%. That makes it a lender to existing owners rather than to buyers.
Applications / Mortgage Analytics / Lenders / Oklahoma / Western Sun Federal Credit Union
Western Sun Federal Credit Union
Tulsa, OK · Credit union · NCUA · $182 million assets · 83 loans in 2025
Western Sun Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
83
loans originated, 2025
123
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Western Sun Federal Credit Union is a Tulsa home-improvement lender whose loans are among the smallest of any credit union its size, and it made almost a third more of them in 2025.
Very small loans
Its typical loan was $45,000, against $95,000 at similar lenders, credit unions making between half and twice as many loans. That is among the smallest of its peers. So although it made about as many loans as the typical peer, it lent $5.8 million, half their $11.6 million.
Faster growth
Its loans rose 30%, from 64 to 83, against 7% at similar lenders and 10% for the whole market, faster than about three in four of them. It filed no reports for 2020 and 2021; those are gaps in the record, not years without lending.
A fixture in Tulsa
It has lent in Tulsa since at least 1990 and ranks 125th of 476 lenders there, with 0.1% of the market; Associated Mortgage leads. Its share of loans in low- and moderate-income neighborhoods, 22.9%, is higher than at about seven in ten similar lenders.
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
83 loans in 2025, against a peak of 96 in 2019.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Western Sun Federal Credit Union took 123 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
57.8% of its 2025 loans were home improvement loans; 98.8% were conventional loans.
Home improvement 57.8% · Other 22.9% · Refinance 12.0% · Purchase 7.2%
Conventional 98.8% · VA 1.2% · of 83 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
1 state, 1 metro, 12 counties
| State | Loans | Share |
|---|---|---|
| Oklahoma | 83 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Tulsa | 76 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930037ZQUSJHCXY666 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 346173 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54202 | 1990–2017 |
Established 1 January 1940. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Western Sun Federal Credit Union's data.
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