TINKER FEDERAL CREDIT UNION
TINKER FEDERAL CREDIT UNION received 2,002 applications in 2025 and made 978 mortgages, in 63 counties across 2 states. The median rate its borrowers got was 7.450% on a median loan of $75,000. Of 1,616 decisions, 543 were denials — 33.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300PZP3UHKYJ5ET63 |
|---|---|
| Applications received | 2,002 |
| Mortgages made | 978 |
| Denied | 543 |
| Approved, not taken up | 95 |
| Withdrawn or incomplete | 386 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.074 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 172 | 6.413% | $205,000 | 19.5% |
| Refinancing | 23 | 6.110% | $185,000 | 38.5% |
| Cash-out refinancing | 180 | 7.375% | $105,000 | 29.9% |
| Other purposes | 603 | 7.700% | $55,000 | 37.6% |
Where TINKER FEDERAL CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Oklahoma County, OK | 396 | 7.125% | 29.5% |
| Cleveland County, OK | 166 | 7.490% | 33.8% |
| Canadian County, OK | 62 | 6.995% | 41.3% |
| Pottawatomie County, OK | 41 | 7.700% | 40.8% |
| Tulsa County, OK | 39 | 7.490% | 38.5% |
| Logan County, OK | 35 | 6.875% | 19.2% |
| Garfield County, OK | 34 | 6.950% | 35.7% |
| McClain County, OK | 29 | 7.450% | 34.0% |
| Grady County, OK | 26 | 7.183% | 31.7% |
| Payne County, OK | 24 | 7.470% | 17.2% |
| Pontotoc County, OK | 16 | 7.490% | 25.0% |
| Lincoln County, OK | 13 | 7.500% | 25.0% |
| Rogers County, OK | 12 | 7.740% | 20.0% |
| Garvin County, OK | 8 | Under 10 loans | 42.9% |
| Murray County, OK | 6 | Under 10 loans | 22.2% |
| Creek County, OK | 5 | Under 10 loans | 50.0% |
| Osage County, OK | 5 | Under 10 loans | 28.6% |
| Wagoner County, OK | 5 | Under 10 loans | 40.0% |
| Cherokee County, OK | 4 | Under 10 loans | 33.3% |
| Mayes County, OK | 4 | Under 10 loans | 0.0% |
| Carter County, OK | 3 | Under 10 loans | 40.0% |
| Comanche County, OK | 3 | Under 10 loans | 20.0% |
| Hughes County, OK | 3 | Under 10 loans | 50.0% |
| Kingfisher County, OK | 3 | Under 10 loans | 25.0% |
| Major County, OK | 3 | Under 10 loans | 20.0% |
| Pittsburg County, OK | 3 | Under 10 loans | 40.0% |
| Stephens County, OK | 3 | Under 10 loans | 25.0% |
| Bryan County, OK | 2 | Under 10 loans | 50.0% |
| Caddo County, OK | 2 | Under 10 loans | 71.4% |
| Grant County, OK | 2 | Under 10 loans | 50.0% |
| Okmulgee County, OK | 2 | Under 10 loans | 33.3% |
| Seminole County, OK | 2 | Under 10 loans | 83.3% |
| Sequoyah County, OK | 2 | Under 10 loans | 0.0% |
| Tillman County, OK | 2 | Under 10 loans | 50.0% |
| Woods County, OK | 2 | Under 10 loans | 0.0% |
| Beckham County, OK | 1 | Under 10 loans | 50.0% |
| Blaine County, OK | 1 | Under 10 loans | 0.0% |
| Custer County, OK | 1 | Under 10 loans | 50.0% |
| Johnston County, OK | 1 | Under 10 loans | 0.0% |
| Le Flore County, OK | 1 | Under 10 loans | 50.0% |
| McIntosh County, OK | 1 | Under 10 loans | 0.0% |
| Marshall County, OK | 1 | Under 10 loans | 0.0% |
| Noble County, OK | 1 | Under 10 loans | 50.0% |
| Pushmataha County, OK | 1 | Under 10 loans | 0.0% |
| Woodward County, OK | 1 | Under 10 loans | 66.7% |
| Denton County, TX | 1 | Under 10 loans | 66.7% |
| Atoka County, OK | 0 | Under 10 loans | Not published |
| Delaware County, OK | 0 | Under 10 loans | 100.0% |
| Haskell County, OK | 0 | Under 10 loans | 100.0% |
| Jackson County, OK | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.