Applications / Mortgage Analytics / Lenders / Oklahoma / True Sky Federal Credit Union
Oklahoma City, OK · Credit union · NCUA · $799 million assets · 158 loans in 2025
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158
loans originated, 2025
384
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
True Sky Federal Credit Union, an Oklahoma City lender since 1990, sent more of its 158 loans in 2025 to lower-income borrowers than most similar credit unions.
Some 36.7% of its loans went to low- and moderate-income borrowers, up from 24.5% a year earlier and more than at about seven in ten similar lenders (credit unions making between half and twice as many loans). Its share in poorer neighborhoods rose too, from 12.3% to 19.2%.
Other-purpose loans made up 39.2% of its lending, refinances 31.6% and purchases 29.1%. Its typical rate, 6.75%, matched similar lenders', and its typical loan, $105,000, was the same as theirs.
It ranks 100 of 534 lenders in Oklahoma City, with a share of 0.2%, unchanged from a year earlier. Its loans fell 3% while similar lenders grew 8% and the market 10%. Its lending has held between 151 and 163 loans a year since 2023, far below the 666 of 2020.
In 2025 it made its first loans in Riverside-San Bernardino-Ontario, San Francisco-Oakland-Fremont and Yuba City. They are a toehold: it ranks 692 of 707 in Riverside. Whether it means to grow there, the first year cannot say.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. True Sky Federal Credit Union took 384 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 39.2% · Refinance 31.6% · Purchase 29.1%
Conventional 100.0% · of 158 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 | 155 | 98.1% |
| California | 3 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 148 |
| Oakland-Fremont-Berkeley | 1 |
| Riverside-San Bernardino-Ontario | 1 |
| Tulsa | 1 |
| Yuba City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300M2HFFTNLBO7R56 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 535593 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562568 | 1990–2017 |
Established 1 January 1946. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: True Sky Federal Credit Union's data.
True Sky Federal Credit Union's data
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True Sky 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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