Truity Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Truity Federal Credit Union 2006 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 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 | 1,117 |
| Total Mortgage Loan Application Amount | $129,984,000 |
| Average Mortgage Loan Application Amount | $88,666 |
| Highest Mortgage Loan Application Amount | $2,650,000 |
| Average Applicant Income | $75,666 |
| Highest Applicant Income | $859,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with Truity Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Truity Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2006 breaks down Truity Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Truity Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Truity Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Truity Federal Credit Union's mortgage activity for 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington County Oklahoma | 568 | $ 56,378,000 | $ 99,000 | $ 67,000 |
| Douglas County Kansas | 73 | $ 6,436,000 | $ 88,000 | $ 74,000 |
| Tulsa County Oklahoma | 41 | $ 5,665,000 | $ 138,000 | $ 99,000 |
| Washington County Arkansas | 33 | $ 3,870,000 | $ 117,000 | $ 89,000 |
| Benton County Arkansas | 27 | $ 3,974,000 | $ 147,000 | $ 107,000 |
| Harris County Texas | 25 | $ 8,159,000 | $ 326,000 | $ 182,000 |
| Fort Bend County Texas | 21 | $ 3,500,000 | $ 166,000 | $ 161,000 |
| Osage County Oklahoma | 16 | $ 608,000 | $ 38,000 | $ 48,000 |
| Nowata County Oklahoma | 13 | $ 908,000 | $ 69,000 | $ 62,000 |
| Anchorage County Alaska | 11 | $ 3,529,000 | $ 320,000 | $ 144,000 |
| Johnson County Kansas | 11 | $ 787,000 | $ 71,000 | $ 63,000 |
| Jefferson County Kansas | 10 | $ 337,000 | $ 33,000 | $ 44,000 |
| Kay County Oklahoma | 10 | $ 1,339,000 | $ 133,000 | $ 75,000 |
| Carroll County Arkansas | 9 | $ 785,000 | $ 87,000 | $ 52,000 |
| Lyon County Kansas | 7 | $ 543,000 | $ 77,000 | $ 42,000 |
| Oklahoma County Oklahoma | 7 | $ 743,000 | $ 106,000 | $ 79,000 |
| Hutchinson County Texas | 7 | $ 502,000 | $ 71,000 | $ 64,000 |
| Scott County Arkansas | 5 | $ 196,000 | $ 39,000 | $ 37,000 |
| Leavenworth County Kansas | 5 | $ 594,000 | $ 118,000 | $ 57,000 |
| Montgomery County Kansas | 5 | $ 246,000 | $ 49,000 | $ 47,000 |
| Rogers County Oklahoma | 5 | $ 741,000 | $ 148,000 | $ 179,000 |
| Montgomery County Texas | 5 | $ 621,000 | $ 124,000 | $ 85,000 |
| Pope County Arkansas | 4 | $ 240,000 | $ 60,000 | $ 50,000 |
| Yell County Arkansas | 4 | $ 85,000 | $ 21,000 | $ 28,000 |
| Woodbury County Iowa | 4 | $ 515,000 | $ 128,000 | $ 75,000 |
| Shawnee County Kansas | 4 | $ 470,000 | $ 117,000 | $ 73,000 |
| Delaware County Oklahoma | 4 | $ 633,000 | $ 158,000 | $ 109,000 |
| Union County South Dakota | 4 | $ 782,000 | $ 195,000 | $ 111,000 |
| Los Angeles County California | 3 | $ 563,000 | $ 187,000 | $ 118,000 |
| Orange County California | 3 | $ 959,000 | $ 319,000 | $ 136,000 |
| Arapahoe County Colorado | 3 | $ 1,896,000 | $ 632,000 | $ 170,000 |
| Douglas County Colorado | 3 | $ 825,000 | $ 275,000 | $ 128,000 |
| Franklin County Kansas | 3 | $ 419,000 | $ 139,000 | $ 82,000 |
| Sedgwick County Kansas | 3 | $ 219,000 | $ 73,000 | $ 41,000 |
| Jackson County Missouri | 3 | $ 339,000 | $ 113,000 | $ 110,000 |
| Lawrence County Missouri | 3 | $ 208,000 | $ 69,000 | $ 73,000 |
| St. Louis County Missouri | 3 | $ 435,000 | $ 145,000 | $ 82,000 |
| Brazoria County Texas | 3 | $ 572,000 | $ 190,000 | $ 132,000 |
| Midland County Texas | 3 | $ 516,000 | $ 172,000 | $ 123,000 |
| Clay County Alabama | 2 | $ 76,000 | $ 38,000 | $ 104,000 |
| Kenai Peninsula County Alaska | 2 | $ 508,000 | $ 254,000 | $ 118,000 |
| Yavapai County Arizona | 2 | $ 675,000 | $ 337,000 | $ 345,000 |
| Crawford County Arkansas | 2 | $ 392,000 | $ 196,000 | $ 81,000 |
| Hempstead County Arkansas | 2 | $ 239,000 | $ 119,000 | $ 50,000 |
| Jefferson County Arkansas | 2 | $ 72,000 | $ 36,000 | $ 77,000 |
| Nevada County Arkansas | 2 | $ 273,000 | $ 136,000 | $ 65,000 |
| Kern County California | 2 | $ 333,000 | $ 166,000 | $ 100,000 |
| Solano County California | 2 | $ 695,000 | $ 347,000 | $ 176,000 |
| Denver County Colorado | 2 | $ 630,000 | $ 315,000 | $ 135,000 |
| Buena Vista County Iowa | 2 | $ 228,000 | $ 114,000 | $ 74,000 |
| Barry County Missouri | 2 | $ 139,000 | $ 69,000 | $ 70,000 |
| McDonald County Missouri | 2 | $ 3,000 | $ 1,000 | $ 30,000 |
| Ozark County Missouri | 2 | $ 145,000 | $ 72,000 | $ 48,000 |
| Douglas County Nebraska | 2 | $ 352,000 | $ 176,000 | $ 90,000 |
| Ashe County North Carolina | 2 | $ 146,000 | $ 73,000 | $ 194,000 |
| Cleveland County Oklahoma | 2 | $ 376,000 | $ 188,000 | $ 131,000 |
| Craig County Oklahoma | 2 | $ 117,000 | $ 58,000 | $ 340,000 |
| Creek County Oklahoma | 2 | $ 449,000 | $ 224,000 | $ 141,000 |
| McCurtain County Oklahoma | 2 | $ 14,000 | $ 7,000 | $ 55,000 |
| Payne County Oklahoma | 2 | $ 184,000 | $ 92,000 | $ 77,000 |
| Pottawatomie County Oklahoma | 2 | $ 232,000 | $ 116,000 | $ 49,000 |
| Hamilton County Tennessee | 2 | $ 107,000 | $ 53,000 | $ 212,000 |
| El Paso County Texas | 2 | $ 562,000 | $ 281,000 | $ 204,000 |
| Grayson County Texas | 2 | $ 122,000 | $ 61,000 | $ 91,000 |
| Shelby County Texas | 2 | $ 150,000 | $ 75,000 | $ 41,000 |
| Tarrant County Texas | 2 | $ 184,000 | $ 92,000 | $ 51,000 |
| Travis County Texas | 2 | $ 394,000 | $ 197,000 | $ 69,000 |
| Limestone County Alabama | 1 | $ 190,000 | $ 190,000 | $ 110,000 |
| Marshall County Alabama | 1 | $ 128,000 | $ 128,000 | $ 142,000 |
| Randolph County Alabama | 1 | $ 275,000 | $ 275,000 | $ 96,000 |
| Matanuska-Susitna County Alaska | 1 | $ 355,000 | $ 355,000 | $ 137,000 |
| Conway County Arkansas | 1 | $ 20,000 | $ 20,000 | $ 29,000 |
| Howard County Arkansas | 1 | $ 50,000 | $ 50,000 | $ 51,000 |
| Little River County Arkansas | 1 | $ 18,000 | $ 18,000 | $ 24,000 |
| Lonoke County Arkansas | 1 | $ 120,000 | $ 120,000 | $ 81,000 |
| Polk County Arkansas | 1 | $ 5,000 | $ 5,000 | $ 20,000 |
| Pulaski County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Monterey County California | 1 | $ 1,502,000 | $ 1,502,000 | $ 442,000 |
| La Plata County Colorado | 1 | $ 365,000 | $ 365,000 | $ 142,000 |
| Weld County Colorado | 1 | $ 310,000 | $ 310,000 | $ 80,000 |
| New London County Connecticut | 1 | $ 70,000 | $ 70,000 | $ 148,000 |
| Volusia County Florida | 1 | $ 30,000 | $ 30,000 | $ 94,000 |
| Cobb County Georgia | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
| Ada County Idaho | 1 | $ 160,000 | $ 160,000 | $ 90,000 |
| DuPage County Illinois | 1 | $ 187,000 | $ 187,000 | $ 62,000 |
| Henry County Illinois | 1 | $ 138,000 | $ 138,000 | $ 47,000 |
| LaSalle County Illinois | 1 | $ 117,000 | $ 117,000 | $ 38,000 |
| Madison County Illinois | 1 | $ 220,000 | $ 220,000 | $ 99,000 |
| Cass County Indiana | 1 | $ 67,000 | $ 67,000 | $ 41,000 |
| Vanderburgh County Indiana | 1 | $ 158,000 | $ 158,000 | $ 60,000 |
| Cherokee County Iowa | 1 | $ 66,000 | $ 66,000 | $ 57,000 |
| Polk County Iowa | 1 | $ 170,000 | $ 170,000 | $ 77,000 |
| Webster County Iowa | 1 | $ 60,000 | $ 60,000 | $ 58,000 |
| Allen County Kansas | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Crawford County Kansas | 1 | $ 20,000 | $ 20,000 | $ 87,000 |
| Finney County Kansas | 1 | $ 102,000 | $ 102,000 | $ 43,000 |
| Linn County Kansas | 1 | $ 25,000 | $ 25,000 | $ 130,000 |
| Neosho County Kansas | 1 | $ 53,000 | $ 53,000 | $ 56,000 |
| Pratt County Kansas | 1 | $ 59,000 | $ 59,000 | $ 105,000 |
| Wyandotte County Kansas | 1 | $ 63,000 | $ 63,000 | $ 46,000 |
| Daviess County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 97,000 |
| Calcasieu County Louisiana | 1 | $ 96,000 | $ 96,000 | $ 65,000 |
| St. Tammany County Louisiana | 1 | $ 282,000 | $ 282,000 | $ 150,000 |
| Anne Arundel County Maryland | 1 | $ 357,000 | $ 357,000 | $ 250,000 |
| Worcester County Massachusetts | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Livingston County Michigan | 1 | $ 201,000 | $ 201,000 | $ 114,000 |
| Holmes County Mississippi | 1 | $ 5,000 | $ 5,000 | $ 24,000 |
| Jackson County Mississippi | 1 | $ 280,000 | $ 280,000 | $ 186,000 |
| Leake County Mississippi | 1 | $ 1,000 | $ 1,000 | $ 44,000 |
| Rankin County Mississippi | 1 | $ 226,000 | $ 226,000 | $ 123,000 |
| Scott County Mississippi | 1 | $ 98,000 | $ 98,000 | $ 75,000 |
| Newton County Missouri | 1 | $ 25,000 | $ 25,000 | $ 24,000 |
| Nodaway County Missouri | 1 | $ 130,000 | $ 130,000 | $ 222,000 |
| Pettis County Missouri | 1 | $ 46,000 | $ 46,000 | $ 38,000 |
| Saline County Missouri | 1 | $ 2,000 | $ 2,000 | $ 20,000 |
| Stone County Missouri | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Yellowstone County Montana | 1 | $ 114,000 | $ 114,000 | $ 64,000 |
| Dawson County Nebraska | 1 | $ 107,000 | $ 107,000 | $ 74,000 |
| Lancaster County Nebraska | 1 | $ 50,000 | $ 50,000 | $ 40,000 |
| San Juan County New Mexico | 1 | $ 215,000 | $ 215,000 | $ 149,000 |
| Tompkins County New York | 1 | $ 68,000 | $ 68,000 | $ 23,000 |
| Burke County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 18,000 |
| Cherokee County North Carolina | 1 | $ 187,000 | $ 187,000 | $ 124,000 |
| Wilkes County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 57,000 |
| Adair County Oklahoma | 1 | $ 10,000 | $ 10,000 | $ 60,000 |
| Cherokee County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 74,000 |
| Comanche County Oklahoma | 1 | $ 73,000 | $ 73,000 | $ 71,000 |
| Logan County Oklahoma | 1 | $ 350,000 | $ 350,000 | $ 120,000 |
| Mayes County Oklahoma | 1 | $ 5,000 | $ 5,000 | $ 29,000 |
| Sequoyah County Oklahoma | 1 | $ 3,000 | $ 3,000 | $ 43,000 |
| Stephens County Oklahoma | 1 | $ 150,000 | $ 150,000 | $ 74,000 |
| Texas County Oklahoma | 1 | $ 58,000 | $ 58,000 | $ 85,000 |
| Washington County Oregon | 1 | $ 375,000 | $ 375,000 | $ 120,000 |
| Spartanburg County South Carolina | 1 | $ 10,000 | $ 10,000 | $ 92,000 |
| Bedford County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 56,000 |
| Davidson County Tennessee | 1 | $ 5,000 | $ 5,000 | $ 56,000 |
| Weakley County Tennessee | 1 | $ 3,000 | $ 3,000 | $ 34,000 |
| Brazos County Texas | 1 | $ 163,000 | $ 163,000 | $ 109,000 |
| Chambers County Texas | 1 | $ 172,000 | $ 172,000 | $ 125,000 |
| Collin County Texas | 1 | $ 120,000 | $ 120,000 | $ 158,000 |
| Hays County Texas | 1 | $ 61,000 | $ 61,000 | $ 38,000 |
| Hidalgo County Texas | 1 | $ 97,000 | $ 97,000 | $ 29,000 |
| Jeff Davis County Texas | 1 | $ 172,000 | $ 172,000 | $ 101,000 |
| Nacogdoches County Texas | 1 | $ 180,000 | $ 180,000 | $ 97,000 |
| Panola County Texas | 1 | $ 45,000 | $ 45,000 | $ 34,000 |
| Parker County Texas | 1 | $ 125,000 | $ 125,000 | $ 74,000 |
| Randall County Texas | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Smith County Texas | 1 | $ 356,000 | $ 356,000 | $ 85,000 |
| Williamson County Texas | 1 | $ 144,000 | $ 144,000 | $ 90,000 |
| Salt Lake County Utah | 1 | $ 178,000 | $ 178,000 | $ 72,000 |
| Accomack County Virginia | 1 | $ 20,000 | $ 20,000 | $ 16,000 |
| Augusta County Virginia | 1 | $ 154,000 | $ 154,000 | $ 98,000 |
| Prince William County Virginia | 1 | $ 40,000 | $ 40,000 | $ 161,000 |
| Rockingham County Virginia | 1 | $ 2,000 | $ 2,000 | $ 35,000 |
| Benton County Washington | 1 | $ 165,000 | $ 165,000 | $ 47,000 |
| Franklin County Washington | 1 | $ 28,000 | $ 28,000 | $ 64,000 |
| Shawano County Wisconsin | 1 | $ 108,000 | $ 108,000 | $ 91,000 |
Mortgage Loan Application Detail Totals for Truity Federal Credit Union in 2006
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 | 682 | $98,442,000 | $144,000 | $2,650,000 | $84,000 | $859,000 |
| Refinancing | 289 | $27,421,000 | $94,000 | $2,262,000 | $76,000 | $734,000 |
| Home Improvement | 146 | $4,121,000 | $28,000 | $225,000 | $67,000 | $223,000 |
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 | 788 | $98,089,000 | $124,000 | $2,262,000 | $83,000 | $859,000 |
| Not Provided | 201 | $15,582,000 | $77,000 | $2,650,000 | $77,000 | $817,000 |
| Hispanic | 53 | $5,249,000 | $99,000 | $365,000 | $51,000 | $142,000 |
| American Indian or Alaskan Native | 31 | $2,824,000 | $91,000 | $300,000 | $69,000 | $175,000 |
| Black or African American | 26 | $4,882,000 | $187,000 | $1,517,000 | $68,000 | $299,000 |
| Asian | 16 | $3,172,000 | $198,000 | $417,000 | $107,000 | $204,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $186,000 | $93,000 | $106,000 | $35,000 | $41,000 |
| 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) | 1,117 | $129,984,000 | $116,000 | $2,650,000 | $80,000 | $859,000 |
| 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 | 802 | $100,250,000 | $125,000 | $2,650,000 | $89,000 | $859,000 |
| Application Denied By Financial Institution | 245 | $22,777,000 | $92,000 | $417,000 | $50,000 | $372,000 |
| Application Withdrawn By Applicant | 61 | $5,888,000 | $96,000 | $417,000 | $79,000 | $208,000 |
| Application Approved But Not Accepted | 9 | $1,069,000 | $118,000 | $238,000 | $93,000 | $171,000 |
| 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 | 175 | $15,342,000 | $87,000 | $417,000 | $48,000 | $372,000 |
| Debt-To-Income Ratio | 46 | $5,533,000 | $120,000 | $350,000 | $46,000 | $204,000 |
| Collateral | 2 | $76,000 | $38,000 | $62,000 | $46,000 | $48,000 |
| Credit Application Incomplete | 2 | $43,000 | $21,000 | $28,000 | $80,000 | $97,000 |
| Other | 2 | $245,000 | $122,000 | $195,000 | $188,000 | $300,000 |
| Unverifiable Information | 1 | $37,000 | $37,000 | $37,000 | $83,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $309,000 | $309,000 | $309,000 | $85,000 | $85,000 |
| Mortgage Insurance Denied | 1 | $47,000 | $47,000 | $47,000 | $89,000 | $89,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Truity Federal Credit Union's 2006 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.
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with aggregated HMDA statistics today.