# Communication Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/communication-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Communication Federal Credit Union is a credit union, headquartered in Oklahoma City, OK, serving borrowers across 2 states, with 182 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 33% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300V71V12DS7RW675
- **Headquarters:** Oklahoma City, OK
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** KS, OK
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 97.4%
- **Brokered/Wholesale:** 2.6%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.411%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,038
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 182
- **Dollar Volume:** $43 million
- **Applications Received:** 274
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $233,791
- **Average Borrower Income:** $163,863
- **Average Property Value:** $300,769

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 45/100 | 171 | +0.381% | $1,043 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 144 loans, Score: 45/100 (Sound)
- Refinance: 27 loans, Score: 42/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 44/100 | 155 | $38M | +0.431% | Sound ☺️ |
| Refinance | 39/100 | 27 | $5M | +0.339% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 174 | 0.42% | 77/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Oklahoma City, OK | OK | 84 | 73/100 |
| Non |  | 48 | 47/100 |
| Tulsa, OK | OK | 38 | 61/100 |

## Where This Lender Ranks

Communication Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Oklahoma City, OK Credit Unions
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Oklahoma City, OK for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Oklahoma Credit Unions
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Oklahoma for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Tulsa, OK Credit Unions
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Tulsa, OK for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#19** in Tulsa, OK
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Communication Federal Credit Union offer?

Communication Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Communication Federal Credit Union offer mortgages?

Communication Federal Credit Union offers mortgages in 2 states: KS, OK.

### How competitive are Communication Federal Credit Union's mortgage rates?

Communication Federal Credit Union has a pricing score of 67/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.411% above market average.

### What type of lender is Communication Federal Credit Union?

Communication Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Oklahoma City, OK.

### What is Communication Federal Credit Union's loan approval success rate?

Communication Federal Credit Union has a pull-through score of 53/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/communication-federal-credit-union

### How to Cite

> "Communication Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/communication-federal-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/communication-federal-credit-union)**