# TINKER FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/tinker-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


TINKER FEDERAL CREDIT UNION is a credit union, headquartered in Oklahoma City, OK, with 203 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 41% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300PZP3UHKYJ5ET63
- **Headquarters:** Oklahoma City, OK
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** OK
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.116%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,469
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 203
- **Dollar Volume:** $39 million
- **Applications Received:** 449
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $192,488
- **Average Borrower Income:** $118,498
- **Average Property Value:** $300,961

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 190 | +0.117% | $1,527 | Sound ☺️ |
| VA | 56/100 | 12 | +0.040% | $880 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 123 loans, Score: 45/100 (Sound)
- Refinance: 67 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 44/100 | 135 | $29M | +0.036% | Sound ☺️ |
| Refinance | 58/100 | 68 | $10M | +0.293% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 203 | 0.49% | 78/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Oklahoma City, OK | OK | 153 | 81/100 |
| Non |  | 34 | 41/100 |
| Tulsa, OK | OK | 10 | 44/100 |

## Where This Lender Ranks

TINKER FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

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

## Frequently Asked Questions

### What loan types does TINKER FEDERAL CREDIT UNION offer?

TINKER FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TINKER FEDERAL CREDIT UNION offer mortgages?

TINKER FEDERAL CREDIT UNION offers mortgages in 1 states: OK.

### How competitive are TINKER FEDERAL CREDIT UNION's mortgage rates?

TINKER FEDERAL CREDIT UNION has a pricing score of 59/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.116% above market average.

### What type of lender is TINKER FEDERAL CREDIT UNION?

TINKER FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Oklahoma City, OK.

### What is TINKER FEDERAL CREDIT UNION's loan approval success rate?

TINKER FEDERAL CREDIT UNION has a pull-through score of 46/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/tinker-federal-credit-union

### How to Cite

> "TINKER FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/tinker-federal-credit-union

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