Tinker Federal Credit Union mortgage approval rate & lending review
Tinker Federal Credit Union decided 2,780 mortgage applications and funded 1,823 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Tinker Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Tinker Federal Credit Union at a glance
Approval is 8.1 points above the 69.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 85% | 415 / 488 | 81% | $175K | 336 |
| Home improvement loans | 75% | 1,148 / 1,534 | 85% | $55K | 977 |
| Cash-out refinance | 77% | 378 / 492 | 87% | $85K | 327 |
| Refinance | 67% | 37 / 55 | 76% | $85K | 28 |
| Investment property purchase | 96% | 107 / 111 | 94% | $125K | 101 |
| Investment refinance | 90% | 38 / 42 | 97% | $235K | 37 |
| Investment home improvement | 49% | 22 / 45 | 50% | $25K | 11 |
Tinker Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma | 78% | $55K | 2,776 | 1,823 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Tinker Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma County, OK | Home improvement loans | 75% | 865 | 548 |
| Cleveland County, OK | Home improvement loans | 76% | 376 | 251 |
| Oklahoma County, OK | Cash-out refinance | 81% | 289 | 202 |
| Oklahoma County, OK | Mortgage lenders | 87% | 272 | 195 |
| Canadian County, OK | Home improvement loans | 74% | 155 | 97 |
| Cleveland County, OK | Mortgage lenders | 86% | 122 | 84 |
| Cleveland County, OK | Cash-out refinance | 72% | 123 | 80 |
| Tulsa County, OK | Home improvement loans | 73% | 127 | 76 |
| Oklahoma County, OK | Investment property purchase | 96% | 84 | 75 |
| Canadian County, OK | Mortgage lenders | 86% | 64 | 42 |
| Oklahoma County, OK | Investment refinance | 92% | 37 | 33 |
| Canadian County, OK | Cash-out refinance | 67% | 42 | 22 |
The county markets where Tinker Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Tinker Federal Credit Union
What is Tinker Federal Credit Union's mortgage approval rate?
Tinker Federal Credit Union approved 77.4% of the 2,780 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.1 points above the 69.4% national rate for the same mix of loan types.
How often do borrowers take the loan Tinker Federal Credit Union offers?
Borrowers accepted 85% of the loans Tinker Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Tinker Federal Credit Union make?
The typical home improvement loan loan Tinker Federal Credit Union made was $55K; across all loan types its typical loan ran from $25K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Tinker Federal Credit Union lend?
Tinker Federal Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Oklahoma and Texas.
Can I apply to Tinker Federal Credit Union directly?
Yes. Tinker Federal Credit Union is a bank or credit union with 34 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Tinker Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Tinker Federal Credit Union treats applications, then get a rate quote from the lender.