Truity Federal Credit Union Mortgage Lending & HMDA Data, 2005

In 2005, Truity Federal Credit Union of Bartlesville, OK reported 1,264 mortgage applications totaling $147.1 million, down 29% from 2004. The average application was for $116,357, and applicants reported an average income of $84,618. 64% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Fayetteville-Springdale-Rogers, AR-MO (105), Lawrence, KS (93) and Houston-Baytown-Sugar Land, TX (74) (applications in parentheses).

Mortgage Company & Address Truity Federal Credit Union
501 S Johnstone
Bartlesville, OK 74003
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,264
Total Mortgage Loan Application Amount $147,076,000
Average Mortgage Loan Application Amount $116,357
Highest Mortgage Loan Application Amount $7,300,000
Average Applicant Income $84,618
Highest Applicant Income $4,308,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Truity Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Truity Federal Credit Union by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Washington, Oklahoma 588 $ 52,375,000 $ 89,073 $ 59,000
Douglas, Kansas 93 $ 8,408,000 $ 90,408 $ 65,000
Washington, Arkansas 67 $ 9,681,000 $ 144,492 $ 81,000
Harris, Texas 45 $ 7,716,000 $ 171,466 $ 109,000
Benton, Arkansas 36 $ 3,867,000 $ 107,416 $ 84,000
Tulsa, Oklahoma 30 $ 3,020,000 $ 100,666 $ 71,000
Kay, Oklahoma 20 $ 2,994,000 $ 149,700 $ 87,000
Fort Bend, Texas 17 $ 3,094,000 $ 182,000 $ 127,000
Osage, Oklahoma 15 $ 1,626,000 $ 108,400 $ 67,000
Jefferson, Kansas 11 $ 425,000 $ 38,636 $ 51,000
Hutchinson, Texas 11 $ 799,000 $ 72,636 $ 87,000
Nowata, Oklahoma 10 $ 722,000 $ 72,200 $ 47,000
Montgomery, Kansas 9 $ 551,000 $ 61,222 $ 62,000
Oklahoma, Oklahoma 8 $ 1,914,000 $ 239,250 $ 126,000
Anchorage, Alaska 7 $ 3,233,000 $ 461,857 $ 152,000
Los Angeles, California 6 $ 3,349,000 $ 558,166 $ 196,000
Leavenworth, Kansas 6 $ 572,000 $ 95,333 $ 70,000
Lyon, Kansas 6 $ 404,000 $ 67,333 $ 29,000
Pettis, Missouri 6 $ 205,000 $ 34,166 $ 47,000
Delaware, Oklahoma 6 $ 627,000 $ 104,500 $ 83,000
Maricopa, Arizona 5 $ 950,000 $ 190,000 $ 316,000
Wilkes, North Carolina 5 $ 162,000 $ 32,400 $ 24,000
Rogers, Oklahoma 5 $ 525,000 $ 105,000 $ 66,000
Montgomery, Texas 5 $ 1,550,000 $ 310,000 $ 193,000
Polk, Arkansas 4 $ 128,000 $ 32,000 $ 16,000
Pope, Arkansas 4 $ 236,000 $ 59,000 $ 68,000
Contra Costa, California 4 $ 1,692,000 $ 423,000 $ 202,000
Brazoria, Texas 4 $ 340,000 $ 85,000 $ 117,000
Dallas, Texas 4 $ 642,000 $ 160,500 $ 138,000
Grayson, Texas 4 $ 444,000 $ 111,000 $ 66,000
Accomack, Virginia 4 $ 231,000 $ 57,750 $ 37,000
Blount, Alabama 3 $ 15,000 $ 5,000 $ 37,000
Carroll, Arkansas 3 $ 49,000 $ 16,333 $ 36,000
Johnson, Arkansas 3 $ 173,000 $ 57,666 $ 61,000
Logan, Arkansas 3 $ 288,000 $ 96,000 $ 63,000
Sebastian, Arkansas 3 $ 68,000 $ 22,666 $ 60,000
Yell, Arkansas 3 $ 101,000 $ 33,666 $ 40,000
Orange, California 3 $ 1,210,000 $ 403,333 $ 166,000
Johnson, Kansas 3 $ 525,000 $ 175,000 $ 91,000
Reno, Kansas 3 $ 113,000 $ 37,666 $ 42,000
Worcester, Maryland 3 $ 791,000 $ 263,666 $ 197,000
Livingston, Michigan 3 $ 529,000 $ 176,333 $ 108,000
Scott, Mississippi 3 $ 109,000 $ 36,333 $ 63,000
Payne, Oklahoma 3 $ 484,000 $ 161,333 $ 238,000
Galveston, Texas 3 $ 222,000 $ 74,000 $ 66,000
Boone, Arkansas 2 $ 91,000 $ 45,500 $ 24,000
Jefferson, Arkansas 2 $ 4,000 $ 2,000 $ 16,000
Madison, Arkansas 2 $ 177,000 $ 88,500 $ 62,000
Sonoma, California 2 $ 750,000 $ 375,000 $ 173,000
Fremont, Colorado 2 $ 260,000 $ 130,000 $ 136,000
Sarasota, Florida 2 $ 475,000 $ 237,500 $ 299,000
Gwinnett, Georgia 2 $ 278,000 $ 139,000 $ 74,000
DuPage, Illinois 2 $ 718,000 $ 359,000 $ 160,000
Henry, Illinois 2 $ 243,000 $ 121,500 $ 91,000
Cass, Indiana 2 $ 203,000 $ 101,500 $ 60,000
Buena Vista, Iowa 2 $ 169,000 $ 84,500 $ 44,000
Anderson, Kansas 2 $ 182,000 $ 91,000 $ 51,000
Franklin, Kansas 2 $ 58,000 $ 29,000 $ 63,000
Osage, Kansas 2 $ 86,000 $ 43,000 $ 64,000
Sedgwick, Kansas 2 $ 198,000 $ 99,000 $ 61,000
Hampden, Massachusetts 2 $ 524,000 $ 262,000 $ 175,000
Dakota, Minnesota 2 $ 441,000 $ 220,500 $ 83,000
Barry, Missouri 2 $ 53,000 $ 26,500 $ 17,000
Jackson, Missouri 2 $ 257,000 $ 128,500 $ 86,000
Douglas, Nebraska 2 $ 136,000 $ 68,000 $ 45,000
Madison, Nebraska 2 $ 181,000 $ 90,500 $ 36,000
Santa Fe, New Mexico 2 $ 2,130,000 $ 1,065,000 $ 304,000
Anson, North Carolina 2 $ 31,000 $ 15,500 $ 22,000
Harnett, North Carolina 2 $ 93,000 $ 46,500 $ 59,000
Iredell, North Carolina 2 $ 340,000 $ 170,000 $ 63,000
Cleveland, Oklahoma 2 $ 178,000 $ 89,000 $ 141,000
Craig, Oklahoma 2 $ 256,000 $ 128,000 $ 146,000
Creek, Oklahoma 2 $ 339,000 $ 169,500 $ 126,000
McCurtain, Oklahoma 2 $ 13,000 $ 6,500 $ 29,000
Pawnee, Oklahoma 2 $ 70,000 $ 35,000 $ 92,000
Wagoner, Oklahoma 2 $ 173,000 $ 86,500 $ 44,000
Union, South Dakota 2 $ 240,000 $ 120,000 $ 75,000
Bexar, Texas 2 $ 423,000 $ 211,500 $ 401,000
Gonzales, Texas 2 $ 66,000 $ 33,000 $ 27,000
Guadalupe, Texas 2 $ 362,000 $ 181,000 $ 130,000
Llano, Texas 2 $ 370,000 $ 185,000 $ 147,000
Potter, Texas 2 $ 306,000 $ 153,000 $ 112,000
Tarrant, Texas 2 $ 431,000 $ 215,500 $ 100,000
Travis, Texas 2 $ 696,000 $ 348,000 $ 262,000
Pierce, Washington 2 $ 450,000 $ 225,000 $ 169,000
Baldwin, Alabama 1 $ 11,000 $ 11,000 $ 13,000
Coosa, Alabama 1 $ 50,000 $ 50,000 $ 192,000
Cullman, Alabama 1 $ 24,000 $ 24,000 $ 54,000
Elmore, Alabama 1 $ 428,000 $ 428,000 $ 180,000
Talladega, Alabama 1 $ 2,000 $ 2,000 $ 41,000
Matanuska-Susitna, Alaska 1 $ 175,000 $ 175,000 $ 106,000
Coconino, Arizona 1 $ 110,000 $ 110,000 $ 212,000
Pima, Arizona 1 $ 335,000 $ 335,000 $ 152,000
Arkansas, Arkansas 1 $ 144,000 $ 144,000 $ 88,000
Cleburne, Arkansas 1 $ 95,000 $ 95,000 $ 62,000
Crawford, Arkansas 1 $ 10,000 $ 10,000 $ 32,000
Faulkner, Arkansas 1 $ 110,000 $ 110,000 $ 70,000
Nevada, Arkansas 1 $ 155,000 $ 155,000 $ 64,000
Saline, Arkansas 1 $ 120,000 $ 120,000 $ 48,000
Scott, Arkansas 1 $ 2,000 $ 2,000 $ 14,000
Sevier, Arkansas 1 $ 101,000 $ 101,000 $ 80,000
Pitkin, Colorado 1 $ 7,300,000 $ 7,300,000 $ 4,308,000
Middlesex, Connecticut 1 $ 13,000 $ 13,000 $ 113,000
Crisp, Georgia 1 $ 5,000 $ 5,000 $ 12,000
Hall, Georgia 1 $ 12,000 $ 12,000 $ 33,000
Houston, Georgia 1 $ 106,000 $ 106,000 $ 55,000
Muscogee, Georgia 1 $ 1,000 $ 1,000 $ 25,000
Talbot, Georgia 1 $ 70,000 $ 70,000 $ 25,000
Taylor, Georgia 1 $ 20,000 $ 20,000 $ 17,000
Whiteside, Illinois 1 $ 55,000 $ 55,000 $ 81,000
Vanderburgh, Indiana 1 $ 35,000 $ 35,000 $ 105,000
White, Indiana 1 $ 103,000 $ 103,000 $ 63,000
Black Hawk, Iowa 1 $ 62,000 $ 62,000 $ 41,000
Guthrie, Iowa 1 $ 2,000 $ 2,000 $ 44,000
Harrison, Iowa 1 $ 1,000 $ 1,000 $ 26,000
Louisa, Iowa 1 $ 99,000 $ 99,000 $ 29,000
Muscatine, Iowa 1 $ 118,000 $ 118,000 $ 52,000
Pottawattamie, Iowa 1 $ 59,000 $ 59,000 $ 21,000
Washington, Iowa 1 $ 81,000 $ 81,000 $ 35,000
Woodbury, Iowa 1 $ 4,000 $ 4,000 $ 49,000
Butler, Kansas 1 $ 80,000 $ 80,000 $ 43,000
Labette, Kansas 1 $ 202,000 $ 202,000 $ 84,000
Neosho, Kansas 1 $ 65,000 $ 65,000 $ 55,000
Smith, Kansas 1 $ 57,000 $ 57,000 $ 32,000
Wyandotte, Kansas 1 $ 104,000 $ 104,000 $ 55,000
Graves, Kentucky 1 $ 2,000 $ 2,000 $ 30,000
Henderson, Kentucky 1 $ 53,000 $ 53,000 $ 34,000
Caddo, Louisiana 1 $ 104,000 $ 104,000 $ 57,000
Calcasieu, Louisiana 1 $ 36,000 $ 36,000 $ 66,000
Cameron, Louisiana 1 $ 236,000 $ 236,000 $ 99,000
Jefferson, Louisiana 1 $ 110,000 $ 110,000 $ 104,000
St. Tammany, Louisiana 1 $ 173,000 $ 173,000 $ 110,000
Grand Traverse, Michigan 1 $ 50,000 $ 50,000 $ 107,000
Ottawa, Michigan 1 $ 100,000 $ 100,000 $ 154,000
Steele, Minnesota 1 $ 6,000 $ 6,000 $ 68,000
Attala, Mississippi 1 $ 2,000 $ 2,000 $ 37,000
Benton, Missouri 1 $ 4,000 $ 4,000 $ 12,000
Dade, Missouri 1 $ 73,000 $ 73,000 $ 69,000
Lawrence, Missouri 1 $ 120,000 $ 120,000 $ 67,000
Montgomery, Missouri 1 $ 144,000 $ 144,000 $ 63,000
St. Charles, Missouri 1 $ 198,000 $ 198,000 $ 111,000
Lewis and Clark, Montana 1 $ 318,000 $ 318,000 $ 208,000
Dakota, Nebraska 1 $ 29,000 $ 29,000 $ 49,000
Stanton, Nebraska 1 $ 3,000 $ 3,000 $ 99,000
York, Nebraska 1 $ 62,000 $ 62,000 $ 52,000
Ocean, New Jersey 1 $ 300,000 $ 300,000 $ 111,000
New York, New York 1 $ 350,000 $ 350,000 $ 238,000
Union, North Carolina 1 $ 225,000 $ 225,000 $ 183,000
Wake, North Carolina 1 $ 107,000 $ 107,000 $ 90,000
Stark, Ohio 1 $ 230,000 $ 230,000 $ 81,000
Washington, Ohio 1 $ 160,000 $ 160,000 $ 73,000
Canadian, Oklahoma 1 $ 257,000 $ 257,000 $ 98,000
Cherokee, Oklahoma 1 $ 66,000 $ 66,000 $ 42,000
Garvin, Oklahoma 1 $ 109,000 $ 109,000 $ 50,000
Major, Oklahoma 1 $ 53,000 $ 53,000 $ 89,000
Marshall, Oklahoma 1 $ 69,000 $ 69,000 $ 24,000
Sequoyah, Oklahoma 1 $ 40,000 $ 40,000 $ 34,000
Allegheny, Pennsylvania 1 $ 100,000 $ 100,000 $ 80,000
Dorchester, South Carolina 1 $ 61,000 $ 61,000 $ 105,000
Edgefield, South Carolina 1 $ 8,000 $ 8,000 $ 65,000
Bedford, Tennessee 1 $ 178,000 $ 178,000 $ 73,000
Grundy, Tennessee 1 $ 104,000 $ 104,000 $ 77,000
Warren, Tennessee 1 $ 225,000 $ 225,000 $ 51,000
Bandera, Texas 1 $ 38,000 $ 38,000 $ 131,000
Burnet, Texas 1 $ 83,000 $ 83,000 $ 38,000
Ellis, Texas 1 $ 218,000 $ 218,000 $ 46,000
Hays, Texas 1 $ 342,000 $ 342,000 $ 135,000
Johnson, Texas 1 $ 120,000 $ 120,000 $ 75,000
McLennan, Texas 1 $ 176,000 $ 176,000 $ 85,000
Ochiltree, Texas 1 $ 71,000 $ 71,000 $ 92,000
Panola, Texas 1 $ 74,000 $ 74,000 $ 75,000
Randall, Texas 1 $ 78,000 $ 78,000 $ 71,000
Rockwall, Texas 1 $ 95,000 $ 95,000 $ 57,000
Washington, Texas 1 $ 200,000 $ 200,000 $ 142,000
Wharton, Texas 1 $ 32,000 $ 32,000 $ 92,000
Wichita, Texas 1 $ 180,000 $ 180,000 $ 62,000
Williamson, Texas 1 $ 160,000 $ 160,000 $ 78,000
Carbon, Utah 1 $ 113,000 $ 113,000 $ 78,000
Wasatch, Utah 1 $ 118,000 $ 118,000 $ 88,000
Benton, Washington 1 $ 98,000 $ 98,000 $ 89,000
Clark, Washington 1 $ 35,000 $ 35,000 $ 126,000
Whatcom, Washington 1 $ 244,000 $ 244,000 $ 98,000

Mortgage Loan Application Detail Totals for Truity Federal Credit Union in 2005

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 824 $118,713,000 $310,714 $7,300,000 $189,685 $4,308,000
Refinancing 300 $24,653,000 $88,473 $1,000,000 $78,473 $921,000
Home Improvement 140 $3,710,000 $8,750 $663,000 $48,875 $468,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 862 $118,002,000 $270,818 $7,300,000 $171,030 $4,308,000
Not Provided 266 $17,102,000 $61,136 $588,000 $80,772 $468,000
Hispanic 63 $5,817,000 $102,222 $322,000 $64,666 $187,000
Black or African American 32 $2,435,000 $64,400 $200,000 $44,000 $103,000
American Indian or Alaskan Native 30 $2,341,000 $77,666 $215,000 $76,666 $147,000
Asian 9 $1,287,000 $146,666 $360,000 $235,000 $542,000
Native Hawaiian or Other Pacific Islander 2 $92,000 $46,000 $57,000 $32,000 $47,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,264 $147,076,000 $242,270 $7,300,000 $169,459 $4,308,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 804 $110,652,000 $257,777 $7,300,000 $177,972 $4,308,000
Application Denied By Financial Institution 404 $31,983,000 $40,823 $360,000 $46,411 $150,000
Application Withdrawn By Applicant 55 $4,156,000 $107,200 $288,000 $103,400 $212,000
Application Approved But Not Accepted 1 $285,000 $285,000 $285,000 $105,000 $105,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 341 $26,323,000 $38,235 $360,000 $46,823 $150,000
Debt-To-Income Ratio 45 $4,200,000 $71,800 $220,000 $38,400 $106,000
Credit Application Incomplete 8 $718,000 $90,500 $170,000 $45,000 $90,000
Collateral 6 $451,000 $77,333 $144,000 $50,666 $88,000
Employment History 2 $141,000 $70,000 $73,000 $21,000 $23,000
Insufficient Cash (Downpayment, Closing Cost) 2 $150,000 $75,000 $115,000 $37,000 $46,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Truity Federal Credit Union's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Truity Federal Credit Union's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Oklahoma, download the full spreadsheet with aggregated HMDA statistics today.

Download the Oklahoma Lender List