Truity Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012

Truity Federal Credit Union 2012 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 1,506
Total Mortgage Loan Application Amount $238,454,000
Average Mortgage Loan Application Amount $139,333
Highest Mortgage Loan Application Amount $1,200,000
Average Applicant Income $101,333
Highest Applicant Income $1,965,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.

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

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