What loan types does Tinker Federal Credit Union offer?

Tinker Federal Credit Union offers the following mortgage loan types: Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Tinker Federal Credit Union offer mortgages?

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

How competitive are Tinker Federal Credit Union's mortgage rates?

Tinker Federal Credit Union has an overall pricing score of 58.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Tinker Federal Credit Union?

Tinker Federal Credit Union is a Credit Union headquartered in Oklahoma City, OK.

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Tinker Federal Credit Union

Credit Union•Oklahoma City, OKHQ•Direct•Reviews near you on Google

Tinker Federal Credit Union has 203 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional · VA

Place

Strong

4/5

Single State · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Explore another lender or local market

Report Card

Tinker Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+11.6 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

190 loans · 0.12% above market

Sound

Top 60% of lenders

3/5

12 loans · 0.04% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

135 loans · 0.04% above market

Sound

Top 60% of lenders

3/5

Refinance

68 loans · 0.29% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Acceptable	190	93.6%	+0.117%Above	$1,527Fees
VA Loans	Sound	Sound	—	Sound	12	5.9%	+0.040%Above	$880Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume190

Mix93.6%

Spread

+0.117%Above

Fees

$1,527Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume12

Mix5.9%

Spread

+0.040%Above

Fees

$880Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Acceptable	135	66.5%	+0.036%Above	$1,515Fees
Refinance	Sound	Sound	Strong	Sound	68	33.5%	+0.293%Above	$1,366Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume135

Mix66.5%

Spread

+0.036%Above

Fees

$1,515Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume68

Mix33.5%

Spread

+0.293%Above

Fees

$1,366Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

203

Applications

449

Volume

$39 million

Pricing & Closing

Avg Rate Spread

+0.116%

vs. market APOR

Avg Net Fees

$1,469

Origination − Credits

Pullthrough Rate

45.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$192,488

Avg Borrower Income

$118,498

Avg Property Value

$300,961

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 200200+None

South1

Top Metro Areas by Place Specialization Score

Oklahoma City, OKMetro

Volume 153Mix 75.37% of portfolio

81/100

Exceptional

Tulsa, OKMetro

Volume 10Mix 4.93% of portfolio

44/100

Sound

Top States by Place Specialization Score

OklahomaState

Volume 203Mix 100.00% of portfolio

78/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.