Truity Federal Credit Union Mortgage Lending & HMDA Data, 2012

In 2012, Truity Federal Credit Union of Bartlesville, OK reported 1,506 mortgage applications totaling $238.5 million, up 28% from 2011. The average application was for $158,335, and applicants reported an average income of $104,189. 62% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Lawrence, KS (214), Houston-Sugar Land-Baytown, TX (165) and Tulsa, OK (92) (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
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Total Number of Mortgage Applications 1,506
Total Mortgage Loan Application Amount $238,454,000
Average Mortgage Loan Application Amount $158,335
Highest Mortgage Loan Application Amount $1,200,000
Average Applicant Income $104,189
Highest Applicant Income $1,965,000

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records Truity Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Washington, Oklahoma 668 $ 90,668,000 $ 135,730 $ 88,000
Douglas, Kansas 214 $ 30,732,000 $ 143,607 $ 80,000
Harris, Texas 80 $ 18,076,000 $ 225,950 $ 192,000
Fort Bend, Texas 63 $ 14,982,000 $ 237,809 $ 154,000
Washington, Arkansas 50 $ 7,478,000 $ 149,560 $ 111,000
Tulsa, Oklahoma 43 $ 7,225,000 $ 168,023 $ 95,000
Benton, Arkansas 22 $ 3,179,000 $ 144,500 $ 103,000
Rogers, Oklahoma 16 $ 3,688,000 $ 230,500 $ 129,000
Osage, Oklahoma 15 $ 2,547,000 $ 169,800 $ 119,000
Okmulgee, Oklahoma 14 $ 1,080,000 $ 77,142 $ 62,000
Nowata, Oklahoma 13 $ 1,473,000 $ 113,307 $ 68,000
Johnson, Kansas 12 $ 2,299,000 $ 191,583 $ 151,000
Delaware, Oklahoma 12 $ 1,973,000 $ 164,416 $ 113,000
Montgomery, Texas 12 $ 2,151,000 $ 179,250 $ 136,000
Hutchinson, Texas 11 $ 1,171,000 $ 106,454 $ 111,000
Oklahoma, Oklahoma 10 $ 3,359,000 $ 335,900 $ 223,000
Jefferson, Kansas 7 $ 847,000 $ 121,000 $ 75,000
Shawnee, Kansas 7 $ 924,000 $ 132,000 $ 81,000
Brazoria, Texas 6 $ 809,000 $ 134,833 $ 147,000
Franklin, Kansas 5 $ 600,000 $ 120,000 $ 60,000
Anchorage, Alaska 4 $ 1,706,000 $ 426,500 $ 144,000
Madison, Illinois 4 $ 803,000 $ 200,750 $ 98,000
Leavenworth, Kansas 4 $ 368,000 $ 92,000 $ 72,000
Montgomery, Kansas 4 $ 565,000 $ 141,250 $ 76,000
Osage, Kansas 4 $ 432,000 $ 108,000 $ 52,000
Kay, Oklahoma 4 $ 672,000 $ 168,000 $ 130,000
Randall, Texas 4 $ 589,000 $ 147,250 $ 118,000
Travis, Texas 4 $ 2,140,000 $ 535,000 $ 343,000
Carroll, Arkansas 3 $ 428,000 $ 142,666 $ 61,000
Johnson, Arkansas 3 $ 262,000 $ 87,333 $ 62,000
Contra Costa, California 3 $ 922,000 $ 307,333 $ 192,000
Summit, Colorado 3 $ 1,591,000 $ 530,333 $ 272,000
Monroe, Florida 3 $ 603,000 $ 201,000 $ 173,000
Woodbury, Iowa 3 $ 539,000 $ 179,666 $ 129,000
Canadian, Oklahoma 3 $ 318,000 $ 106,000 $ 80,000
Cleveland, Oklahoma 3 $ 154,000 $ 51,333 $ 59,000
Wagoner, Oklahoma 3 $ 593,000 $ 197,666 $ 114,000
Collin, Texas 3 $ 527,000 $ 175,666 $ 122,000
Denton, Texas 3 $ 602,000 $ 200,666 $ 126,000
Tarrant, Texas 3 $ 308,000 $ 102,666 $ 96,000
Kenai Peninsula, Alaska 2 $ 570,000 $ 285,000 $ 196,000
Maricopa, Arizona 2 $ 758,000 $ 379,000 $ 240,000
Howard, Arkansas 2 $ 215,000 $ 107,500 $ 81,000
Lincoln, Arkansas 2 $ 225,000 $ 112,500 $ 102,000
Madison, Arkansas 2 $ 178,000 $ 89,000 $ 70,000
Yell, Arkansas 2 $ 221,000 $ 110,500 $ 98,000
Douglas, Colorado 2 $ 592,000 $ 296,000 $ 139,000
Broward, Florida 2 $ 892,000 $ 446,000 $ 151,000
Fulton, Georgia 2 $ 447,000 $ 223,500 $ 72,000
DuPage, Illinois 2 $ 480,000 $ 240,000 $ 171,000
Finney, Kansas 2 $ 350,000 $ 175,000 $ 167,000
Wilson, Kansas 2 $ 191,000 $ 95,500 $ 57,000
Jefferson, Louisiana 2 $ 432,000 $ 216,000 $ 114,000
Berrien, Michigan 2 $ 549,000 $ 274,500 $ 240,000
Barry, Missouri 2 $ 241,000 $ 120,500 $ 52,000
Jackson, Missouri 2 $ 142,000 $ 71,000 $ 60,000
Yellowstone, Montana 2 $ 671,000 $ 335,500 $ 180,000
Clark, Nevada 2 $ 257,000 $ 128,500 $ 91,000
Wilkes, North Carolina 2 $ 235,000 $ 117,500 $ 65,000
Garfield, Oklahoma 2 $ 316,000 $ 158,000 $ 45,000
Mayes, Oklahoma 2 $ 292,000 $ 146,000 $ 104,000
Payne, Oklahoma 2 $ 306,000 $ 153,000 $ 105,000
Pottawatomie, Oklahoma 2 $ 269,000 $ 134,500 $ 71,000
Dallas, Texas 2 $ 367,000 $ 183,500 $ 135,000
Galveston, Texas 2 $ 446,000 $ 223,000 $ 250,000
Midland, Texas 2 $ 606,000 $ 303,000 $ 149,000
Panola, Texas 2 $ 343,000 $ 171,500 $ 169,000
Etowah, Alabama 1 $ 164,000 $ 164,000 $ 83,000
Haines, Alaska 1 $ 175,000 $ 175,000 $ 150,000
Mohave, Arizona 1 $ 72,000 $ 72,000 $ 78,000
Boone, Arkansas 1 $ 10,000 $ 10,000 $ 75,000
Franklin, Arkansas 1 $ 77,000 $ 77,000 $ 30,000
Pike, Arkansas 1 $ 68,000 $ 68,000 $ 52,000
Pope, Arkansas 1 $ 183,000 $ 183,000 $ 132,000
Pulaski, Arkansas 1 $ 256,000 $ 256,000 $ 144,000
Scott, Arkansas 1 $ 15,000 $ 15,000 $ 26,000
Sebastian, Arkansas 1 $ 181,000 $ 181,000 $ 84,000
Los Angeles, California 1 $ 207,000 $ 207,000 $ 78,000
Orange, California 1 $ 160,000 $ 160,000 $ 339,000
Riverside, California 1 $ 67,000 $ 67,000 $ 134,000
San Francisco, California 1 $ 53,000 $ 53,000 $ 75,000
Solano, California 1 $ 397,000 $ 397,000 $ 135,000
Arapahoe, Colorado 1 $ 325,000 $ 325,000 $ 430,000
Archuleta, Colorado 1 $ 70,000 $ 70,000 $ 16,000
Denver, Colorado 1 $ 417,000 $ 417,000 $ 129,000
El Paso, Colorado 1 $ 86,000 $ 86,000 $ 24,000
Fremont, Colorado 1 $ 202,000 $ 202,000 $ 67,000
Gunnison, Colorado 1 $ 189,000 $ 189,000 $ 195,000
Larimer, Colorado 1 $ 246,000 $ 246,000 $ 105,000
Pueblo, Colorado 1 $ 147,000 $ 147,000 $ 57,000
Rio Grande, Colorado 1 $ 203,000 $ 203,000 $ 385,000
Teller, Colorado 1 $ 144,000 $ 144,000 $ 57,000
Charlotte, Florida 1 $ 52,000 $ 52,000 $ 46,000
Citrus, Florida 1 $ 417,000 $ 417,000 $ 568,000
Collier, Florida 1 $ 395,000 $ 395,000 $ 302,000
Duval, Florida 1 $ 170,000 $ 170,000 $ 52,000
Lee, Florida 1 $ 270,000 $ 270,000 $ 284,000
Leon, Florida 1 $ 63,000 $ 63,000 $ 94,000
Palm Beach, Florida 1 $ 292,000 $ 292,000 $ 126,000
Fayette, Georgia 1 $ 173,000 $ 173,000 $ 120,000
Macon, Illinois 1 $ 320,000 $ 320,000 $ 401,000
St. Clair, Illinois 1 $ 70,000 $ 70,000 $ 54,000
Harrison, Indiana 1 $ 180,000 $ 180,000 $ 64,000
Johnson, Indiana 1 $ 100,000 $ 100,000 $ 71,000
Cass, Iowa 1 $ 108,000 $ 108,000 $ 126,000
Polk, Iowa 1 $ 136,000 $ 136,000 $ 88,000
Allen, Kansas 1 $ 51,000 $ 51,000 $ 79,000
Chautauqua, Kansas 1 $ 47,000 $ 47,000 $ 79,000
Crawford, Kansas 1 $ 88,000 $ 88,000 $ 88,000
Jackson, Kansas 1 $ 35,000 $ 35,000 $ 92,000
Lyon, Kansas 1 $ 59,000 $ 59,000 $ 54,000
Miami, Kansas 1 $ 320,000 $ 320,000 $ 143,000
Reno, Kansas 1 $ 32,000 $ 32,000 $ 87,000
Sedgwick, Kansas 1 $ 50,000 $ 50,000 $ 48,000
Stevens, Kansas 1 $ 161,000 $ 161,000 $ 58,000
Thomas, Kansas 1 $ 40,000 $ 40,000 $ 54,000
Wyandotte, Kansas 1 $ 166,000 $ 166,000 $ 104,000
Worcester, Maryland 1 $ 324,000 $ 324,000 $ 207,000
Barnstable, Massachusetts 1 $ 417,000 $ 417,000 $ 206,000
Worcester, Massachusetts 1 $ 176,000 $ 176,000 $ 124,000
Oakland, Michigan 1 $ 380,000 $ 380,000 $ 195,000
Jackson, Mississippi 1 $ 120,000 $ 120,000 $ 88,000
Rankin, Mississippi 1 $ 32,000 $ 32,000 $ 92,000
Simpson, Mississippi 1 $ 186,000 $ 186,000 $ 56,000
Jasper, Missouri 1 $ 154,000 $ 154,000 $ 66,000
Johnson, Missouri 1 $ 84,000 $ 84,000 $ 109,000
Lafayette, Missouri 1 $ 60,000 $ 60,000 $ 33,000
Lawrence, Missouri 1 $ 266,000 $ 266,000 $ 146,000
Pettis, Missouri 1 $ 132,000 $ 132,000 $ 95,000
Platte, Missouri 1 $ 83,000 $ 83,000 $ 139,000
Lewis and Clark, Montana 1 $ 400,000 $ 400,000 $ 312,000
Furnas, Nebraska 1 $ 87,000 $ 87,000 $ 63,000
Madison, Nebraska 1 $ 89,000 $ 89,000 $ 28,000
Monmouth, New Jersey 1 $ 100,000 $ 100,000 $ 104,000
Ocean, New Jersey 1 $ 267,000 $ 267,000 $ 130,000
San Juan, New Mexico 1 $ 192,000 $ 192,000 $ 64,000
Sandoval, New Mexico 1 $ 169,000 $ 169,000 $ 70,000
Socorro, New Mexico 1 $ 330,000 $ 330,000 $ 141,000
Iredell, North Carolina 1 $ 116,000 $ 116,000 $ 54,000
Wake, North Carolina 1 $ 267,000 $ 267,000 $ 196,000
Washington, Ohio 1 $ 156,000 $ 156,000 $ 112,000
Creek, Oklahoma 1 $ 104,000 $ 104,000 $ 69,000
Custer, Oklahoma 1 $ 177,000 $ 177,000 $ 82,000
Garvin, Oklahoma 1 $ 80,000 $ 80,000 $ 183,000
Latimer, Oklahoma 1 $ 45,000 $ 45,000 $ 44,000
McIntosh, Oklahoma 1 $ 100,000 $ 100,000 $ 145,000
Okfuskee, Oklahoma 1 $ 66,000 $ 66,000 $ 83,000
Pittsburg, Oklahoma 1 $ 130,000 $ 130,000 $ 71,000
Seminole, Oklahoma 1 $ 216,000 $ 216,000 $ 149,000
Lane, Oregon 1 $ 131,000 $ 131,000 $ 129,000
Lancaster, South Carolina 1 $ 105,000 $ 105,000 $ 94,000
Union, South Dakota 1 $ 237,000 $ 237,000 $ 95,000
Grundy, Tennessee 1 $ 60,000 $ 60,000 $ 97,000
Lauderdale, Tennessee 1 $ 24,000 $ 24,000 $ 64,000
Wilson, Tennessee 1 $ 153,000 $ 153,000 $ 44,000
Burnet, Texas 1 $ 527,000 $ 527,000 $ 226,000
Chambers, Texas 1 $ 294,000 $ 294,000 $ 167,000
Grayson, Texas 1 $ 35,000 $ 35,000 $ 115,000
Nacogdoches, Texas 1 $ 233,000 $ 233,000 $ 197,000
Waller, Texas 1 $ 581,000 $ 581,000 $ 235,000
Wilbarger, Texas 1 $ 35,000 $ 35,000 $ 37,000
Williamson, Texas 1 $ 198,000 $ 198,000 $ 79,000
Wise, Texas 1 $ 157,000 $ 157,000 $ 131,000
Carbon, Utah 1 $ 148,000 $ 148,000 $ 147,000
Henrico, Virginia 1 $ 371,000 $ 371,000 $ 209,000
Clark, Washington 1 $ 368,000 $ 368,000 $ 97,000
King, Washington 1 $ 417,000 $ 417,000 $ 195,000
Pierce, Washington 1 $ 324,000 $ 324,000 $ 167,000
San Juan, Washington 1 $ 183,000 $ 183,000 $ 96,000
Greenbrier, West Virginia 1 $ 275,000 $ 275,000 $ 148,000
Natrona, Wyoming 1 $ 210,000 $ 210,000 $ 154,000

Mortgage Loan Application Detail Totals for Truity Federal Credit Union in 2012

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
Refinancing 736 $113,191,000 $153,000 $1,200,000 $111,000 $1,965,000
Home Purchase 688 $117,453,000 $170,000 $1,000,000 $98,000 $668,000
Home Improvement 82 $7,810,000 $95,000 $562,000 $95,000 $300,000

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 1,152 $188,261,000 $163,000 $1,200,000 $105,000 $789,000
Not Provided 185 $26,553,000 $143,000 $680,000 $114,000 $1,965,000
American Indian or Alaskan Native 60 $7,518,000 $125,000 $417,000 $94,000 $262,000
Hispanic 40 $4,481,000 $112,000 $275,000 $71,000 $199,000
Asian 34 $7,246,000 $213,000 $417,000 $135,000 $357,000
Black or African American 33 $4,181,000 $126,000 $397,000 $77,000 $284,000
Native Hawaiian or Other Pacific Islander 2 $214,000 $107,000 $145,000 $72,000 $78,000
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) 1,503 $238,077,000 $158,000 $1,200,000 $104,000 $1,965,000
FHA-insured (Federal Housing Administration) 3 $377,000 $125,000 $190,000 $60,000 $78,000
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 935 $165,632,000 $177,000 $1,200,000 $120,000 $789,000
Application Denied By Financial Institution 456 $55,035,000 $120,000 $680,000 $68,000 $300,000
Application Withdrawn By Applicant 113 $17,384,000 $153,000 $562,000 $122,000 $1,965,000
File Closed For Incompleteness 2 $403,000 $201,000 $263,000 $95,000 $116,000
Application Approved But Not Accepted 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 306 $34,784,000 $113,000 $417,000 $69,000 $300,000
Debt-To-Income Ratio 99 $13,891,000 $140,000 $417,000 $52,000 $181,000
Collateral 31 $4,294,000 $138,000 $680,000 $107,000 $300,000
Insufficient Cash (Downpayment, Closing Cost) 4 $465,000 $116,000 $150,000 $47,000 $91,000
Other 4 $302,000 $75,000 $128,000 $135,000 $215,000
Employment History 3 $189,000 $63,000 $108,000 $36,000 $64,000
Credit Application Incomplete 1 $72,000 $72,000 $72,000 $23,000 $23,000
Unverifiable Information 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Truity Federal Credit Union's 2012 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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