Purchase Originations
146
Median Total Costs
$4,373
−34.5% vs national ($6,680)
↑ $372 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$999
Median Lender Credits
$181
Denial Rate
14.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 130 | 6.250% | $4,383 | $1,041 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oklahoma | 146 | 6.375% | $4,373 | #56 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,087 | 6.875% | — | 1 | −$1,286 | |
| 2 | $3,256 | 6.500% | — | 1 | −$1,117 | |
| 3 | $3,463 | 6.625% | — | 3 | −$910 | |
| 4 | $3,468 | 6.750% | — | 1 | −$905 | |
| 5 | $3,575 | 6.000% | — | 5 | −$798 | |
| 6 | $4,083 | 6.125% | — | 62 | −$290 | |
| 7 | $4,172 | 6.250% | — | 4 | −$201 | |
| 8 | $4,392 | 6.625% | — | 3 | +$19 | |
| 9 | $4,433 | 6.500% | — | 4 | +$60 | |
| 10 | $4,442 | 6.562% | — | 2 | +$69 | |
| 11 | $4,452 | 6.500% | — | 5 | +$79 | |
| 12 | $4,547 | 6.500% | — | 30 | +$174 | |
| 13 | $4,571 | 6.438% | — | 2 | +$198 | |
| 14 | $4,878 | 6.000% | — | 1 | +$505 | |
| 15 | $5,600 | 5.938% | — | 4 | +$1,227 | |
| 16 | $5,770 | 5.438% | — | 12 | +$1,397 | |
| 17 | $5,795 | 6.125% | — | 2 | +$1,422 | |
| 18 | $6,406 | 5.750% | — | 1 | +$2,033 | |
| 19 | $7,736 | 5.625% | — | 1 | +$3,363 | |
| 20 | $11,527 | 6.750% | — | 1 | +$7,154 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Tinker Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $4,373 | $7,127 | −$2,754 (−38.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.