# Best Conventional Mortgage Credit Union Lenders in Oklahoma City, OK

**As of:** 2026-05-19

Compare the top credit unions for Conventional loans in Oklahoma City, OK.

> **Canonical URL:** https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/credit-unions/conventional-loans


> **📋 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


## Market Statistics

- **Total Lenders:** 135
- **Total Loans:** 16,841
- **Median Rate Spread:** 0.3373587786259542%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 237 | Credit Union |
| 2 | Communication Federal Credit Union | 69 | 69 | 46 | 84 | Credit Union |
| 3 | TINKER FEDERAL CREDIT UNION | 62 | 60 | 39 | 153 | Credit Union |
| 4 | ALLEGIANCE Federal Credit Union | 57 | 67 | 37 | 77 | Credit Union |
| 5 | TRUE SKY CREDIT UNION | 57 | 72 | 22 | 43 | Credit Union |
| 6 | WEOKIE Federal Credit Union | 53 | 53 | 30 | 81 | Credit Union |
| 7 | US Employees O.C. Federal Credit Union | 40 | N/A | 24 | 60 | Credit Union |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Oklahoma City, OK.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.