Applications / Mortgage Analytics / Lenders / Oklahoma / Westreet Federal Credit Union
Tulsa, OK · Credit union · NCUA · $958 million assets · 314 loans in 2025
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314
loans originated, 2025
866
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Westreet Federal Credit Union, a Tulsa credit union, lends more for home improvements and other purposes than for home purchases, and more of its loans go to poorer neighborhoods than at most similar lenders.
Home-improvement loans were 32.2% of its 314 loans in 2025 and other-purpose loans 24.5%, while purchases were 31.5%. Every loan was conventional. Its typical loan, $105,000, matched that of similar lenders, credit unions making between half and twice as many loans.
Loans in low- and moderate-income (LMI) neighborhoods made up 22.3% of its lending, against 15.8% at similar lenders, more than at about five in six of them. That share has risen from 14.1% in 2020. Its share in majority-minority neighborhoods, 13.7%, was near the middle of its peers.
Its typical rate was 7.88%, against 6.88% at similar lenders, higher than at about nine in ten. Its weight in home-improvement and other-purpose loans is one possible reason, since such loans often carry higher rates than first mortgages. Its share of higher-priced loans, 1.9%, matched its peers'.
Its loans rose 1%, against 7% at similar lenders and 10% for the whole market. In Tulsa, its largest market, its share slipped from 0.8% to 0.7%, and it ranks 28th of 476 lenders; Associated Mortgage leads there. Flat volume in a growing market could account for the slip.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Westreet Federal Credit Union took 866 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 32.2% · Purchase 31.5% · Other 24.5% · Refinance 11.8%
Conventional 100.0% · of 314 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 | 312 | 99.4% |
| Arkansas | 1 | 0.3% |
| Colorado | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 288 |
| Denver-Aurora-Centennial | 1 |
| Little Rock-North Little Rock-Conway | 1 |
| Oklahoma City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900AASWOQ6SVWCG44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 419590 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560575 | 1990–2009 |
| Respondent ID (the HMDA filer code before 2018) | 524812 | 2010–2017 |
Established 1 January 1943. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Westreet Federal Credit Union's data.
Westreet Federal Credit Union's data
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Westreet 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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