TTCU Federal Credit Union
TTCU Federal Credit Union received 1,419 applications in 2025 and made 993 mortgages, in 45 counties across 4 states. The median rate its borrowers got was 6.875% on a median loan of $95,000. Of 1,309 decisions, 237 were denials — 18.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900F8XCJE1G9OYR92 |
|---|---|
| Applications received | 1,419 |
| Mortgages made | 993 |
| Denied | 237 |
| Approved, not taken up | 79 |
| Withdrawn or incomplete | 110 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.11 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 | 174 | 6.313% | $215,000 | 2.8% |
| Refinancing | 55 | 6.500% | $155,000 | 17.8% |
| Cash-out refinancing | 43 | 6.875% | $125,000 | 29.8% |
| Other purposes | 721 | 7.125% | $75,000 | 20.7% |
Where TTCU Federal Credit Union lends most
The 45 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Tulsa County, OK | 541 | 6.875% | 19.0% |
| Wagoner County, OK | 100 | 6.938% | 10.0% |
| Rogers County, OK | 93 | 6.750% | 16.7% |
| Creek County, OK | 72 | 7.000% | 16.9% |
| Cherokee County, OK | 30 | 7.000% | 15.8% |
| Osage County, OK | 23 | 7.000% | 19.4% |
| Muskogee County, OK | 18 | 6.875% | 9.1% |
| Oklahoma County, OK | 15 | 7.125% | 25.9% |
| Okmulgee County, OK | 15 | 6.875% | 13.6% |
| Mayes County, OK | 11 | 7.000% | 40.9% |
| Ottawa County, OK | 10 | 7.313% | 0.0% |
| Delaware County, OK | 9 | Under 10 loans | 0.0% |
| Washington County, OK | 9 | Under 10 loans | 16.7% |
| Pawnee County, OK | 7 | Under 10 loans | 0.0% |
| Cleveland County, OK | 5 | Under 10 loans | 16.7% |
| Logan County, OK | 5 | Under 10 loans | 0.0% |
| Payne County, OK | 5 | Under 10 loans | 28.6% |
| Jasper County, MO | 3 | Under 10 loans | 0.0% |
| Pittsburg County, OK | 3 | Under 10 loans | 0.0% |
| Craig County, OK | 2 | Under 10 loans | 66.7% |
| Kingfisher County, OK | 2 | Under 10 loans | 0.0% |
| McIntosh County, OK | 2 | Under 10 loans | 0.0% |
| Perry County, AR | 1 | Under 10 loans | 0.0% |
| Pulaski County, AR | 1 | Under 10 loans | 0.0% |
| Douglas County, KS | 1 | Under 10 loans | 0.0% |
| Cass County, MO | 1 | Under 10 loans | 0.0% |
| Greene County, MO | 1 | Under 10 loans | 0.0% |
| Jackson County, MO | 1 | Under 10 loans | 0.0% |
| Adair County, OK | 1 | Under 10 loans | 50.0% |
| Canadian County, OK | 1 | Under 10 loans | 60.0% |
| Carter County, OK | 1 | Under 10 loans | 0.0% |
| Le Flore County, OK | 1 | Under 10 loans | 0.0% |
| Nowata County, OK | 1 | Under 10 loans | 0.0% |
| Texas County, OK | 1 | Under 10 loans | 0.0% |
| Woodward County, OK | 1 | Under 10 loans | 0.0% |
| Newton County, AR | 0 | Under 10 loans | 100.0% |
| Cherokee County, KS | 0 | Under 10 loans | 50.0% |
| Montgomery County, KS | 0 | Under 10 loans | Not published |
| Barry County, MO | 0 | Under 10 loans | 0.0% |
| Newton County, MO | 0 | Under 10 loans | 100.0% |
| Grady County, OK | 0 | Under 10 loans | 100.0% |
| Haskell County, OK | 0 | Under 10 loans | 100.0% |
| McClain County, OK | 0 | Under 10 loans | 100.0% |
| Okfuskee County, OK | 0 | Under 10 loans | 100.0% |
| Pottawatomie County, OK | 0 | Under 10 loans | 100.0% |
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When TTCU Federal Credit Union’s figures are published for the next year, or restated.
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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.