Tulsa Federal Credit Union
Tulsa Federal Credit Union received 614 applications in 2025 and made 314 mortgages, in 24 counties across 4 states. The median rate its borrowers got was 7.875% on a median loan of $105,000. Of 473 decisions, 120 were denials — 25.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900AASWOQ6SVWCG44 |
|---|---|
| Applications received | 614 |
| Mortgages made | 314 |
| Denied | 120 |
| Approved, not taken up | 39 |
| Withdrawn or incomplete | 141 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.8 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 | 99 | 6.750% | $205,000 | 6.4% |
| Refinancing | 27 | 6.875% | $165,000 | 15.8% |
| Cash-out refinancing | 10 | 8.000% | $155,000 | 28.6% |
| Other purposes | 178 | 8.000% | $65,000 | 36.1% |
Where Tulsa Federal Credit Union lends most
The 24 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 | 190 | 8.000% | 25.4% |
| Rogers County, OK | 30 | 7.125% | 23.3% |
| Wagoner County, OK | 29 | 7.500% | 23.4% |
| Osage County, OK | 16 | 8.000% | 11.1% |
| Creek County, OK | 15 | 8.000% | 40.0% |
| Mayes County, OK | 10 | 8.000% | 28.6% |
| Pawnee County, OK | 5 | Under 10 loans | 16.7% |
| Okmulgee County, OK | 3 | Under 10 loans | 40.0% |
| Payne County, OK | 3 | Under 10 loans | 0.0% |
| Delaware County, OK | 2 | Under 10 loans | 0.0% |
| Muskogee County, OK | 2 | Under 10 loans | 33.3% |
| Washington County, OK | 2 | Under 10 loans | 60.0% |
| Faulkner County, AR | 1 | Under 10 loans | 0.0% |
| Park County, CO | 1 | Under 10 loans | 0.0% |
| Cherokee County, OK | 1 | Under 10 loans | 0.0% |
| Craig County, OK | 1 | Under 10 loans | 0.0% |
| Haskell County, OK | 1 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 1 | Under 10 loans | 50.0% |
| Pittsburg County, OK | 1 | Under 10 loans | 50.0% |
| Benton County, AR | 0 | Under 10 loans | 0.0% |
| Hughes County, OK | 0 | Under 10 loans | Not published |
| Kay County, OK | 0 | Under 10 loans | Not published |
| Nowata County, OK | 0 | Under 10 loans | Not published |
| Dallas County, TX | 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.