Tulsa Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
13th24.5% deniedPricingmedian rate spread over APOR, weight 30%
16th0.80 ptsProcesswithdrawn + incomplete share, weight 15%
3rd37.4%Closing coststotal loan costs ÷ loan amount, weight 10%
13th3.37% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 983 | 370 | 22.3% | 31.9% | 7.88% | $44M |
| 2024 | 851 | 311 | 21.4% | 31.3% | 8.00% | $43M |
| 2025 | 866 | 314 | 15.4% | 24.5% | 7.88% | $46M |
What Tulsa Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 280 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 13 investment properties.
Why Tulsa Federal Credit Union denies applications
Primary reason reported for each of the 133 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Tulsa Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 129 | 31 | 45.6% |
| $50k – $100k | 296 | 105 | 26.0% |
| $100k – $150k | 212 | 99 | 18.4% |
| $150k – $250k | 117 | 54 | 13.6% |
| Over $250k | 39 | 18 | 13.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 48 | 11 | 18.5% |
| 25–34 | 153 | 48 | 18.8% |
| 35–44 | 246 | 92 | 26.4% |
| 45–54 | 164 | 70 | 27.8% |
| 55–64 | 118 | 50 | 25.0% |
| 65–74 | 67 | 32 | 23.4% |
| Over 74 | 29 | 11 | 27.8% |
Where Tulsa Federal Credit Union lends
5 states and 24 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Oklahoma | 610 | 312 | 19.7% | 7.88% | #54 |
Frequently asked questions
Tulsa Federal Credit Union denied 24.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 13th percentile of small mortgage lenders.
The most common reason Tulsa Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 39.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Tulsa Federal Credit Union originated in 2025 was 7.88%, and its median rate spread over the average prime offer rate was 0.80 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 40% of its applications were for home purchases, 12% for refinancing (including cash-out), and 48% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.