# TTCU Federal Credit Union

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


TTCU Federal Credit Union is a credit union, headquartered in Tulsa, OK, serving borrowers across 4 states, with 210 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 31% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 49% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900F8XCJE1G9OYR92
- **Headquarters:** Tulsa, OK
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AR, KS, MO, OK
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.151%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,416
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 210
- **Dollar Volume:** $48 million
- **Applications Received:** 386
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $227,190
- **Average Borrower Income:** $109,081
- **Average Property Value:** $291,190

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 193 | +0.150% | $1,399 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 160 loans, Score: 52/100 (Sound)
- Refinance: 33 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 177 | $39M | +0.155% | Sound ☺️ |
| Refinance | 48/100 | 33 | $9M | +0.129% | Sound ☺️ |

## State Performance

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

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Tulsa, OK | OK | 160 | 79/100 |
| Non |  | 35 | 41/100 |

## Where This Lender Ranks

TTCU Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

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

## Frequently Asked Questions

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

TTCU 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 TTCU Federal Credit Union offer mortgages?

TTCU Federal Credit Union offers mortgages in 4 states: AR, KS, MO, OK.

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

TTCU Federal Credit Union has a pricing score of 69/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.151% above market average.

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

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

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

TTCU Federal Credit Union has a pull-through score of 51/100 (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/ttcu-federal-credit-union

### How to Cite

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

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