# Tulsa Federal Credit Union

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


Tulsa Federal Credit Union is a credit union, headquartered in Tulsa, OK, with 106 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 57% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 64% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900AASWOQ6SVWCG44
- **Headquarters:** Tulsa, OK
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** OK
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.6%
- **Brokered/Wholesale:** 0.4%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.262%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,480
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 106
- **Dollar Volume:** $24 million
- **Applications Received:** 271
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $225,849
- **Average Borrower Income:** $119,642
- **Average Property Value:** $309,135

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 104 | +0.268% | $1,493 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 93 loans, Score: 44/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 42/100 | 95 | $22M | +0.238% | Sound ☺️ |
| Refinance | 31/100 | 11 | $2M | +0.424% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 105 | 0.25% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Tulsa, OK | OK | 98 | 74/100 |

## Where This Lender Ranks

Tulsa Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

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

## Frequently Asked Questions

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

Tulsa 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 Tulsa Federal Credit Union offer mortgages?

Tulsa Federal Credit Union offers mortgages in 1 states: OK.

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

Tulsa Federal Credit Union has a pricing score of 43/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.262% above market average.

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

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

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

Tulsa Federal Credit Union has a pull-through score of 36/100 (Acceptable). 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/tulsa-federal-credit-union

### How to Cite

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

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