Truity Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Truity Federal Credit Union 2008 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 | 917 |
| Total Mortgage Loan Application Amount | $126,104,000 |
| Average Mortgage Loan Application Amount | $111,333 |
| Highest Mortgage Loan Application Amount | $1,404,000 |
| Average Applicant Income | $93,333 |
| Highest Applicant Income | $1,007,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 416 | $ 48,420,000 | $ 116,000 | $ 77,000 |
| Douglas County Kansas | 123 | $ 12,745,000 | $ 103,000 | $ 89,000 |
| Harris County Texas | 37 | $ 9,655,000 | $ 260,000 | $ 225,000 |
| Tulsa County Oklahoma | 25 | $ 3,629,000 | $ 145,000 | $ 104,000 |
| Fort Bend County Texas | 23 | $ 3,465,000 | $ 150,000 | $ 169,000 |
| Osage County Oklahoma | 19 | $ 3,357,000 | $ 176,000 | $ 96,000 |
| Washington County Arkansas | 18 | $ 1,764,000 | $ 98,000 | $ 88,000 |
| Anchorage County Alaska | 13 | $ 4,923,000 | $ 378,000 | $ 159,000 |
| Benton County Arkansas | 13 | $ 1,451,000 | $ 111,000 | $ 113,000 |
| Jefferson County Kansas | 10 | $ 1,020,000 | $ 102,000 | $ 75,000 |
| Nowata County Oklahoma | 10 | $ 833,000 | $ 83,000 | $ 63,000 |
| Hutchinson County Texas | 10 | $ 828,000 | $ 82,000 | $ 112,000 |
| Leavenworth County Kansas | 5 | $ 437,000 | $ 87,000 | $ 104,000 |
| Oklahoma County Oklahoma | 5 | $ 895,000 | $ 179,000 | $ 141,000 |
| Rogers County Oklahoma | 5 | $ 811,000 | $ 162,000 | $ 230,000 |
| Brazoria County Texas | 5 | $ 468,000 | $ 93,000 | $ 151,000 |
| Madison County Arkansas | 4 | $ 330,000 | $ 82,000 | $ 94,000 |
| Los Angeles County California | 4 | $ 1,249,000 | $ 312,000 | $ 173,000 |
| Solano County California | 4 | $ 1,086,000 | $ 271,000 | $ 128,000 |
| Johnson County Kansas | 4 | $ 705,000 | $ 176,000 | $ 122,000 |
| Shawnee County Kansas | 4 | $ 317,000 | $ 79,000 | $ 45,000 |
| Jackson County Missouri | 4 | $ 791,000 | $ 197,000 | $ 133,000 |
| Kay County Oklahoma | 4 | $ 535,000 | $ 133,000 | $ 75,000 |
| Travis County Texas | 4 | $ 1,569,000 | $ 392,000 | $ 148,000 |
| Contra Costa County California | 3 | $ 1,029,000 | $ 343,000 | $ 193,000 |
| Summit County Colorado | 3 | $ 2,060,000 | $ 686,000 | $ 523,000 |
| Middlesex County New Jersey | 3 | $ 962,000 | $ 320,000 | $ 110,000 |
| San Juan County New Mexico | 3 | $ 777,000 | $ 259,000 | $ 126,000 |
| Creek County Oklahoma | 3 | $ 720,000 | $ 240,000 | $ 173,000 |
| Delaware County Oklahoma | 3 | $ 525,000 | $ 175,000 | $ 120,000 |
| Payne County Oklahoma | 3 | $ 361,000 | $ 120,000 | $ 216,000 |
| Montgomery County Texas | 3 | $ 772,000 | $ 257,000 | $ 149,000 |
| Randall County Texas | 3 | $ 430,000 | $ 143,000 | $ 111,000 |
| Pima County Arizona | 2 | $ 478,000 | $ 239,000 | $ 184,000 |
| Carroll County Arkansas | 2 | $ 115,000 | $ 57,000 | $ 27,000 |
| Johnson County Arkansas | 2 | $ 192,000 | $ 96,000 | $ 84,000 |
| Pope County Arkansas | 2 | $ 269,000 | $ 134,000 | $ 99,000 |
| District of Columbia County District Of Columbia | 2 | $ 765,000 | $ 382,000 | $ 180,000 |
| Sarasota County Florida | 2 | $ 900,000 | $ 450,000 | $ 372,000 |
| Madison County Illinois | 2 | $ 350,000 | $ 175,000 | $ 120,000 |
| Crawford County Kansas | 2 | $ 253,000 | $ 126,000 | $ 63,000 |
| Franklin County Kansas | 2 | $ 118,000 | $ 59,000 | $ 74,000 |
| Montgomery County Kansas | 2 | $ 142,000 | $ 71,000 | $ 111,000 |
| Wyandotte County Kansas | 2 | $ 59,000 | $ 29,000 | $ 97,000 |
| Calvert County Maryland | 2 | $ 423,000 | $ 211,000 | $ 210,000 |
| Pettis County Missouri | 2 | $ 101,000 | $ 50,000 | $ 39,000 |
| Stoddard County Missouri | 2 | $ 170,000 | $ 85,000 | $ 49,000 |
| Buffalo County Nebraska | 2 | $ 217,000 | $ 108,000 | $ 49,000 |
| Colfax County New Mexico | 2 | $ 567,000 | $ 283,000 | $ 207,000 |
| Oconee County South Carolina | 2 | $ 185,000 | $ 92,000 | $ 82,000 |
| Brazos County Texas | 2 | $ 362,000 | $ 181,000 | $ 116,000 |
| Midland County Texas | 2 | $ 301,000 | $ 150,000 | $ 74,000 |
| Benton County Washington | 2 | $ 395,000 | $ 197,000 | $ 90,000 |
| Calhoun County Alabama | 1 | $ 30,000 | $ 30,000 | $ 111,000 |
| Maricopa County Arizona | 1 | $ 150,000 | $ 150,000 | $ 172,000 |
| Boone County Arkansas | 1 | $ 62,000 | $ 62,000 | $ 60,000 |
| Garland County Arkansas | 1 | $ 20,000 | $ 20,000 | $ 42,000 |
| Jefferson County Arkansas | 1 | $ 51,000 | $ 51,000 | $ 133,000 |
| Lincoln County Arkansas | 1 | $ 136,000 | $ 136,000 | $ 91,000 |
| Newton County Arkansas | 1 | $ 150,000 | $ 150,000 | $ 40,000 |
| Scott County Arkansas | 1 | $ 57,000 | $ 57,000 | $ 39,000 |
| Sebastian County Arkansas | 1 | $ 236,000 | $ 236,000 | $ 84,000 |
| Kern County California | 1 | $ 187,000 | $ 187,000 | $ 92,000 |
| Arapahoe County Colorado | 1 | $ 195,000 | $ 195,000 | $ 68,000 |
| Fremont County Colorado | 1 | $ 100,000 | $ 100,000 | $ 71,000 |
| Jefferson County Colorado | 1 | $ 259,000 | $ 259,000 | $ 93,000 |
| Larimer County Colorado | 1 | $ 250,000 | $ 250,000 | $ 158,000 |
| Decatur County Georgia | 1 | $ 144,000 | $ 144,000 | $ 155,000 |
| Forsyth County Georgia | 1 | $ 100,000 | $ 100,000 | $ 40,000 |
| Hall County Georgia | 1 | $ 20,000 | $ 20,000 | $ 65,000 |
| Lumpkin County Georgia | 1 | $ 165,000 | $ 165,000 | $ 68,000 |
| Knox County Illinois | 1 | $ 62,000 | $ 62,000 | $ 28,000 |
| Black Hawk County Iowa | 1 | $ 70,000 | $ 70,000 | $ 35,000 |
| Page County Iowa | 1 | $ 88,000 | $ 88,000 | $ 248,000 |
| Ellis County Kansas | 1 | $ 212,000 | $ 212,000 | $ 130,000 |
| Neosho County Kansas | 1 | $ 256,000 | $ 256,000 | $ 62,000 |
| Osage County Kansas | 1 | $ 91,000 | $ 91,000 | $ 49,000 |
| Wilson County Kansas | 1 | $ 89,000 | $ 89,000 | $ 76,000 |
| Henderson County Kentucky | 1 | $ 81,000 | $ 81,000 | $ 62,000 |
| Ascension County Louisiana | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Calcasieu County Louisiana | 1 | $ 30,000 | $ 30,000 | $ 87,000 |
| Lafayette County Louisiana | 1 | $ 13,000 | $ 13,000 | $ 72,000 |
| Orleans County Louisiana | 1 | $ 195,000 | $ 195,000 | $ 81,000 |
| Hancock County Maine | 1 | $ 80,000 | $ 80,000 | $ 195,000 |
| Barnstable County Massachusetts | 1 | $ 115,000 | $ 115,000 | $ 131,000 |
| Charlevoix County Michigan | 1 | $ 400,000 | $ 400,000 | $ 326,000 |
| Leake County Mississippi | 1 | $ 96,000 | $ 96,000 | $ 64,000 |
| Scott County Mississippi | 1 | $ 12,000 | $ 12,000 | $ 55,000 |
| Smith County Mississippi | 1 | $ 20,000 | $ 20,000 | $ 60,000 |
| Barry County Missouri | 1 | $ 12,000 | $ 12,000 | $ 21,000 |
| Johnson County Missouri | 1 | $ 120,000 | $ 120,000 | $ 47,000 |
| Lawrence County Missouri | 1 | $ 52,000 | $ 52,000 | $ 65,000 |
| McDonald County Missouri | 1 | $ 22,000 | $ 22,000 | $ 86,000 |
| Morgan County Missouri | 1 | $ 40,000 | $ 40,000 | $ 127,000 |
| Newton County Missouri | 1 | $ 36,000 | $ 36,000 | $ 22,000 |
| Flathead County Montana | 1 | $ 230,000 | $ 230,000 | $ 133,000 |
| Silver Bow County Montana | 1 | $ 128,000 | $ 128,000 | $ 75,000 |
| Yellowstone County Montana | 1 | $ 200,000 | $ 200,000 | $ 157,000 |
| Burt County Nebraska | 1 | $ 40,000 | $ 40,000 | $ 43,000 |
| Sandoval County New Mexico | 1 | $ 116,000 | $ 116,000 | $ 56,000 |
| Iredell County North Carolina | 1 | $ 88,000 | $ 88,000 | $ 53,000 |
| New Hanover County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 127,000 |
| Wake County North Carolina | 1 | $ 140,000 | $ 140,000 | $ 114,000 |
| Wilkes County North Carolina | 1 | $ 97,000 | $ 97,000 | $ 23,000 |
| Bryan County Oklahoma | 1 | $ 202,000 | $ 202,000 | $ 121,000 |
| Carter County Oklahoma | 1 | $ 90,000 | $ 90,000 | $ 41,000 |
| Cherokee County Oklahoma | 1 | $ 66,000 | $ 66,000 | $ 33,000 |
| Craig County Oklahoma | 1 | $ 212,000 | $ 212,000 | $ 90,000 |
| Garvin County Oklahoma | 1 | $ 132,000 | $ 132,000 | $ 62,000 |
| Lincoln County Oklahoma | 1 | $ 261,000 | $ 261,000 | $ 113,000 |
| Major County Oklahoma | 1 | $ 140,000 | $ 140,000 | $ 109,000 |
| Pittsburg County Oklahoma | 1 | $ 137,000 | $ 137,000 | $ 50,000 |
| Texas County Oklahoma | 1 | $ 240,000 | $ 240,000 | $ 78,000 |
| Woods County Oklahoma | 1 | $ 61,000 | $ 61,000 | $ 43,000 |
| Washington County Oregon | 1 | $ 278,000 | $ 278,000 | $ 181,000 |
| Berkeley County South Carolina | 1 | $ 180,000 | $ 180,000 | $ 128,000 |
| Spartanburg County South Carolina | 1 | $ 76,000 | $ 76,000 | $ 60,000 |
| Union County South Dakota | 1 | $ 227,000 | $ 227,000 | $ 148,000 |
| Grundy County Tennessee | 1 | $ 112,000 | $ 112,000 | $ 81,000 |
| Bexar County Texas | 1 | $ 221,000 | $ 221,000 | $ 117,000 |
| Collin County Texas | 1 | $ 280,000 | $ 280,000 | $ 89,000 |
| Denton County Texas | 1 | $ 222,000 | $ 222,000 | $ 120,000 |
| Galveston County Texas | 1 | $ 101,000 | $ 101,000 | $ 112,000 |
| Guadalupe County Texas | 1 | $ 350,000 | $ 350,000 | $ 144,000 |
| Matagorda County Texas | 1 | $ 45,000 | $ 45,000 | $ 59,000 |
| Panola County Texas | 1 | $ 130,000 | $ 130,000 | $ 121,000 |
| Tarrant County Texas | 1 | $ 20,000 | $ 20,000 | $ 56,000 |
| Walker County Texas | 1 | $ 71,000 | $ 71,000 | $ 125,000 |
| Wharton County Texas | 1 | $ 36,000 | $ 36,000 | $ 96,000 |
| Wood County Texas | 1 | $ 129,000 | $ 129,000 | $ 96,000 |
| Weber County Utah | 1 | $ 216,000 | $ 216,000 | $ 64,000 |
| Prince William County Virginia | 1 | $ 417,000 | $ 417,000 | $ 168,000 |
| Jackson County West Virginia | 1 | $ 248,000 | $ 248,000 | $ 131,000 |
| Fremont County Wyoming | 1 | $ 232,000 | $ 232,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for Truity Federal Credit Union in 2008
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 | 467 | $79,461,000 | $170,000 | $1,404,000 | $100,000 | $1,007,000 |
| Refinancing | 417 | $44,760,000 | $107,000 | $1,342,000 | $100,000 | $972,000 |
| Home Improvement | 33 | $1,883,000 | $57,000 | $162,000 | $80,000 | $198,000 |
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 | 684 | $100,076,000 | $146,000 | $1,404,000 | $103,000 | $1,007,000 |
| Not Provided | 138 | $14,234,000 | $103,000 | $1,035,000 | $99,000 | $636,000 |
| American Indian or Alaskan Native | 35 | $3,373,000 | $96,000 | $256,000 | $64,000 | $193,000 |
| Hispanic | 29 | $3,424,000 | $118,000 | $417,000 | $69,000 | $235,000 |
| Asian | 15 | $2,676,000 | $178,000 | $376,000 | $109,000 | $210,000 |
| Black or African American | 15 | $2,221,000 | $148,000 | $417,000 | $93,000 | $281,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $100,000 | $100,000 | $100,000 | $201,000 | $201,000 |
| 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) | 917 | $126,104,000 | $137,000 | $1,404,000 | $100,000 | $1,007,000 |
| 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 | 663 | $96,417,000 | $145,000 | $1,404,000 | $110,000 | $1,007,000 |
| Application Denied By Financial Institution | 198 | $22,063,000 | $111,000 | $417,000 | $62,000 | $318,000 |
| Application Withdrawn By Applicant | 50 | $6,552,000 | $131,000 | $366,000 | $107,000 | $972,000 |
| Application Approved But Not Accepted | 6 | $1,072,000 | $178,000 | $417,000 | $124,000 | $182,000 |
| 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 | 130 | $14,122,000 | $108,000 | $417,000 | $63,000 | $233,000 |
| Debt-To-Income Ratio | 44 | $5,134,000 | $116,000 | $368,000 | $49,000 | $147,000 |
| Collateral | 5 | $377,000 | $75,000 | $153,000 | $103,000 | $183,000 |
| Unverifiable Information | 5 | $949,000 | $189,000 | $350,000 | $98,000 | $173,000 |
| Other | 4 | $431,000 | $107,000 | $143,000 | $72,000 | $121,000 |
| Employment History | 1 | $165,000 | $165,000 | $165,000 | $66,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $56,000 | $56,000 | $56,000 | $52,000 | $52,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Truity Federal Credit Union's 2008 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.