Truity Federal Credit Union Mortgage Lending & HMDA Data, 2015

In 2015, Truity Federal Credit Union of Bartlesville, OK reported 1,720 mortgage applications totaling $290.0 million, up 26% from 2014. The average application was for $168,577, and applicants reported an average income of $104,619. 57% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Lawrence, KS (307), Houston-The Woodlands-Sugar Land, TX (168) and Fayetteville-Springdale-Rogers, AR-MO (117) (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 1,720
Total Mortgage Loan Application Amount $289,954,000
Average Mortgage Loan Application Amount $168,577
Highest Mortgage Loan Application Amount $2,250,000
Average Applicant Income $104,619
Highest Applicant Income $1,141,000

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records Truity Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Washington, Oklahoma 708 $ 99,110,000 $ 139,985 $ 84,000
Douglas, Kansas 307 $ 48,800,000 $ 158,957 $ 92,000
Harris, Texas 96 $ 29,452,000 $ 306,791 $ 192,000
Fort Bend, Texas 60 $ 15,269,000 $ 254,483 $ 168,000
Washington, Arkansas 59 $ 6,961,000 $ 117,983 $ 98,000
Benton, Arkansas 55 $ 8,367,000 $ 152,127 $ 111,000
Tulsa, Oklahoma 53 $ 9,575,000 $ 180,660 $ 137,000
Jefferson, Kansas 22 $ 2,145,000 $ 97,500 $ 59,000
Johnson, Kansas 22 $ 4,117,000 $ 187,136 $ 117,000
Osage, Oklahoma 20 $ 2,384,000 $ 119,200 $ 84,000
Hutchinson, Texas 13 $ 1,379,000 $ 106,076 $ 70,000
Anchorage, Alaska 11 $ 4,363,000 $ 396,636 $ 226,000
Oklahoma, Oklahoma 9 $ 1,511,000 $ 167,888 $ 107,000
Delaware, Oklahoma 8 $ 1,472,000 $ 184,000 $ 157,000
Rogers, Oklahoma 7 $ 1,347,000 $ 192,428 $ 94,000
Shawnee, Kansas 6 $ 932,000 $ 155,333 $ 80,000
Franklin, Kansas 5 $ 462,000 $ 92,400 $ 51,000
Stark, North Dakota 5 $ 1,509,000 $ 301,800 $ 188,000
Denton, Texas 5 $ 1,029,000 $ 205,800 $ 122,000
Sebastian, Arkansas 4 $ 277,000 $ 69,250 $ 116,000
Montgomery, Kansas 4 $ 340,000 $ 85,000 $ 85,000
Clinton, Missouri 4 $ 967,000 $ 241,750 $ 101,000
Jackson, Missouri 4 $ 532,000 $ 133,000 $ 86,000
Platte, Missouri 4 $ 858,000 $ 214,500 $ 88,000
Canadian, Oklahoma 4 $ 546,000 $ 136,500 $ 86,000
Nowata, Oklahoma 4 $ 214,000 $ 53,500 $ 48,000
Brazoria, Texas 4 $ 703,000 $ 175,750 $ 107,000
Montgomery, Texas 4 $ 939,000 $ 234,750 $ 153,000
Pulaski, Arkansas 3 $ 1,895,000 $ 631,666 $ 304,000
Douglas, Colorado 3 $ 911,000 $ 303,666 $ 154,000
Forsyth, Georgia 3 $ 688,000 $ 229,333 $ 158,000
Leavenworth, Kansas 3 $ 490,000 $ 163,333 $ 70,000
Wyandotte, Kansas 3 $ 283,000 $ 94,333 $ 75,000
Clay, Missouri 3 $ 511,000 $ 170,333 $ 94,000
Creek, Oklahoma 3 $ 410,000 $ 136,666 $ 139,000
Kay, Oklahoma 3 $ 424,000 $ 141,333 $ 117,000
Grayson, Texas 3 $ 743,000 $ 247,666 $ 129,000
Midland, Texas 3 $ 950,000 $ 316,666 $ 208,000
Williamson, Texas 3 $ 884,000 $ 294,666 $ 107,000
Lynchburg, Virginia 3 $ 173,000 $ 57,666 $ 28,000
Morgan, Alabama 2 $ 398,000 $ 199,000 $ 246,000
Carroll, Arkansas 2 $ 197,000 $ 98,500 $ 118,000
Hempstead, Arkansas 2 $ 173,000 $ 86,500 $ 90,000
Johnson, Arkansas 2 $ 233,000 $ 116,500 $ 83,000
Madison, Arkansas 2 $ 184,000 $ 92,000 $ 135,000
Pope, Arkansas 2 $ 230,000 $ 115,000 $ 99,000
Yell, Arkansas 2 $ 139,000 $ 69,500 $ 70,000
Orange, California 2 $ 589,000 $ 294,500 $ 137,000
Adams, Colorado 2 $ 406,000 $ 203,000 $ 99,000
Garfield, Colorado 2 $ 620,000 $ 310,000 $ 224,000
Jefferson, Colorado 2 $ 657,000 $ 328,500 $ 288,000
Larimer, Colorado 2 $ 791,000 $ 395,500 $ 207,000
Weld, Colorado 2 $ 554,000 $ 277,000 $ 220,000
Lee, Florida 2 $ 426,000 $ 213,000 $ 116,000
Finney, Kansas 2 $ 127,000 $ 63,500 $ 36,000
Osage, Kansas 2 $ 173,000 $ 86,500 $ 83,000
Sedgwick, Kansas 2 $ 438,000 $ 219,000 $ 120,000
Boone, Kentucky 2 $ 668,000 $ 334,000 $ 256,000
Orleans, Louisiana 2 $ 354,000 $ 177,000 $ 196,000
Kent, Michigan 2 $ 601,000 $ 300,500 $ 187,000
Barry, Missouri 2 $ 348,000 $ 174,000 $ 109,000
Lawrence, Missouri 2 $ 68,000 $ 34,000 $ 60,000
Taney, Missouri 2 $ 143,000 $ 71,500 $ 92,000
Yellowstone, Montana 2 $ 574,000 $ 287,000 $ 171,000
Bernalillo, New Mexico 2 $ 74,000 $ 37,000 $ 134,000
Union, North Carolina 2 $ 399,000 $ 199,500 $ 100,000
Wilkes, North Carolina 2 $ 140,000 $ 70,000 $ 43,000
Carter, Oklahoma 2 $ 405,000 $ 202,500 $ 71,000
Mayes, Oklahoma 2 $ 108,000 $ 54,000 $ 74,000
Okmulgee, Oklahoma 2 $ 258,000 $ 129,000 $ 82,000
Payne, Oklahoma 2 $ 671,000 $ 335,500 $ 138,000
Wagoner, Oklahoma 2 $ 225,000 $ 112,500 $ 80,000
Aransas, Texas 2 $ 709,000 $ 354,500 $ 221,000
Austin, Texas 2 $ 1,990,000 $ 995,000 $ 222,000
Dallas, Texas 2 $ 433,000 $ 216,500 $ 92,000
Hood, Texas 2 $ 280,000 $ 140,000 $ 102,000
Potter, Texas 2 $ 374,000 $ 187,000 $ 126,000
Tarrant, Texas 2 $ 270,000 $ 135,000 $ 73,000
Travis, Texas 2 $ 609,000 $ 304,500 $ 166,000
Houston, Alabama 1 $ 75,000 $ 75,000 $ 81,000
Marshall, Alabama 1 $ 167,000 $ 167,000 $ 98,000
Maricopa, Arizona 1 $ 72,000 $ 72,000 $ 59,000
Pima, Arizona 1 $ 164,000 $ 164,000 $ 55,000
Baxter, Arkansas 1 $ 100,000 $ 100,000 $ 113,000
Boone, Arkansas 1 $ 109,000 $ 109,000 $ 61,000
Crawford, Arkansas 1 $ 26,000 $ 26,000 $ 39,000
Faulkner, Arkansas 1 $ 235,000 $ 235,000 $ 130,000
Howard, Arkansas 1 $ 100,000 $ 100,000 $ 155,000
Logan, Arkansas 1 $ 60,000 $ 60,000 $ 15,000
Marion, Arkansas 1 $ 110,000 $ 110,000 $ 37,000
Scott, Arkansas 1 $ 25,000 $ 25,000 $ 60,000
Sharp, Arkansas 1 $ 216,000 $ 216,000 $ 130,000
Contra Costa, California 1 $ 1,000,000 $ 1,000,000 $ 252,000
San Diego, California 1 $ 2,000,000 $ 2,000,000 $ 750,000
Dolores, Colorado 1 $ 73,000 $ 73,000 $ 111,000
Lake, Colorado 1 $ 28,000 $ 28,000 $ 222,000
Routt, Colorado 1 $ 500,000 $ 500,000 $ 272,000
Fairfield, Connecticut 1 $ 249,000 $ 249,000 $ 143,000
Seminole, Florida 1 $ 80,000 $ 80,000 $ 174,000
Fayette, Georgia 1 $ 400,000 $ 400,000 $ 235,000
Fulton, Georgia 1 $ 300,000 $ 300,000 $ 143,000
Newton, Georgia 1 $ 60,000 $ 60,000 $ 52,000
Union, Georgia 1 $ 74,000 $ 74,000 $ 50,000
Cook, Illinois 1 $ 384,000 $ 384,000 $ 113,000
Jay, Indiana 1 $ 160,000 $ 160,000 $ 116,000
Vanderburgh, Indiana 1 $ 100,000 $ 100,000 $ 78,000
Dallas, Iowa 1 $ 22,000 $ 22,000 $ 76,000
Johnson, Iowa 1 $ 207,000 $ 207,000 $ 48,000
Woodbury, Iowa 1 $ 10,000 $ 10,000 $ 60,000
Chautauqua, Kansas 1 $ 80,000 $ 80,000 $ 61,000
Geary, Kansas 1 $ 40,000 $ 40,000 $ 80,000
Labette, Kansas 1 $ 200,000 $ 200,000 $ 120,000
Lyon, Kansas 1 $ 75,000 $ 75,000 $ 34,000
Neosho, Kansas 1 $ 50,000 $ 50,000 $ 66,000
Pottawatomie, Kansas 1 $ 300,000 $ 300,000 $ 192,000
Riley, Kansas 1 $ 220,000 $ 220,000 $ 270,000
Stafford, Kansas 1 $ 75,000 $ 75,000 $ 34,000
Woodson, Kansas 1 $ 149,000 $ 149,000 $ 32,000
Calcasieu, Louisiana 1 $ 385,000 $ 385,000 $ 139,000
Plaquemines, Louisiana 1 $ 268,000 $ 268,000 $ 216,000
St. Tammany, Louisiana 1 $ 144,000 $ 144,000 $ 144,000
Hancock, Maine 1 $ 130,000 $ 130,000 $ 98,000
Worcester, Maryland 1 $ 288,000 $ 288,000 $ 208,000
St. Clair, Michigan 1 $ 399,000 $ 399,000 $ 185,000
Cass, Minnesota 1 $ 293,000 $ 293,000 $ 137,000
Benton, Missouri 1 $ 68,000 $ 68,000 $ 32,000
Buchanan, Missouri 1 $ 106,000 $ 106,000 $ 32,000
Greene, Missouri 1 $ 62,000 $ 62,000 $ 70,000
Jasper, Missouri 1 $ 79,000 $ 79,000 $ 156,000
McDonald, Missouri 1 $ 53,000 $ 53,000 $ 45,000
New Madrid, Missouri 1 $ 116,000 $ 116,000 $ 154,000
Newton, Missouri 1 $ 15,000 $ 15,000 $ 57,000
St. Charles, Missouri 1 $ 145,000 $ 145,000 $ 50,000
Stone, Missouri 1 $ 110,000 $ 110,000 $ 116,000
Carbon, Montana 1 $ 184,000 $ 184,000 $ 89,000
San Juan, New Mexico 1 $ 196,000 $ 196,000 $ 111,000
Forsyth, North Carolina 1 $ 143,000 $ 143,000 $ 106,000
Moore, North Carolina 1 $ 192,000 $ 192,000 $ 109,000
Adair, Oklahoma 1 $ 140,000 $ 140,000 $ 37,000
Bryan, Oklahoma 1 $ 170,000 $ 170,000 $ 123,000
Cleveland, Oklahoma 1 $ 162,000 $ 162,000 $ 96,000
Craig, Oklahoma 1 $ 212,000 $ 212,000 $ 101,000
Kingfisher, Oklahoma 1 $ 68,000 $ 68,000 $ 68,000
Le Flore, Oklahoma 1 $ 38,000 $ 38,000 $ 55,000
Pittsburg, Oklahoma 1 $ 135,000 $ 135,000 $ 54,000
Pottawatomie, Oklahoma 1 $ 120,000 $ 120,000 $ 111,000
Marion, Oregon 1 $ 324,000 $ 324,000 $ 211,000
Luzerne, Pennsylvania 1 $ 56,000 $ 56,000 $ 58,000
Philadelphia, Pennsylvania 1 $ 55,000 $ 55,000 $ 120,000
Union, South Dakota 1 $ 223,000 $ 223,000 $ 98,000
Claiborne, Tennessee 1 $ 391,000 $ 391,000 $ 241,000
Wilson, Tennessee 1 $ 147,000 $ 147,000 $ 56,000
Bowie, Texas 1 $ 68,000 $ 68,000 $ 92,000
Brazos, Texas 1 $ 272,000 $ 272,000 $ 217,000
Burnet, Texas 1 $ 352,000 $ 352,000 $ 142,000
Chambers, Texas 1 $ 248,000 $ 248,000 $ 117,000
Collin, Texas 1 $ 168,000 $ 168,000 $ 70,000
Comal, Texas 1 $ 175,000 $ 175,000 $ 270,000
Ellis, Texas 1 $ 288,000 $ 288,000 $ 140,000
Grimes, Texas 1 $ 447,000 $ 447,000 $ 221,000
Hardin, Texas 1 $ 152,000 $ 152,000 $ 111,000
Henderson, Texas 1 $ 249,000 $ 249,000 $ 116,000
Jefferson, Texas 1 $ 374,000 $ 374,000 $ 254,000
Navarro, Texas 1 $ 300,000 $ 300,000 $ 94,000
Orange, Texas 1 $ 210,000 $ 210,000 $ 118,000
Parker, Texas 1 $ 125,000 $ 125,000 $ 78,000
Randall, Texas 1 $ 247,000 $ 247,000 $ 182,000
Rockwall, Texas 1 $ 68,000 $ 68,000 $ 141,000
Shelby, Texas 1 $ 76,000 $ 76,000 $ 82,000
Tom Green, Texas 1 $ 125,000 $ 125,000 $ 59,000
Waller, Texas 1 $ 185,000 $ 185,000 $ 112,000
Salt Lake, Utah 1 $ 310,000 $ 310,000 $ 137,000
Arlington, Virginia 1 $ 293,000 $ 293,000 $ 119,000
Henrico, Virginia 1 $ 347,000 $ 347,000 $ 189,000
Page, Virginia 1 $ 253,000 $ 253,000 $ 231,000
Benton, Washington 1 $ 336,000 $ 336,000 $ 161,000
Spokane, Washington 1 $ 185,000 $ 185,000 $ 52,000
Laramie, Wyoming 1 $ 231,000 $ 231,000 $ 52,000

Mortgage Loan Application Detail Totals for Truity Federal Credit Union in 2015

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 1,068 $190,103,000 $177,000 $2,250,000 $102,000 $1,141,000
Refinancing 594 $93,514,000 $157,000 $2,000,000 $109,000 $750,000
Home Improvement 58 $6,337,000 $109,000 $550,000 $108,000 $500,000

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 1,282 $221,304,000 $172,000 $2,000,000 $105,000 $936,000
Not Provided 176 $29,522,000 $167,000 $2,250,000 $126,000 $1,141,000
Hispanic 77 $10,181,000 $132,000 $417,000 $70,000 $246,000
American Indian or Alaskan Native 75 $10,283,000 $137,000 $417,000 $82,000 $392,000
Black or African American 61 $8,614,000 $141,000 $538,000 $86,000 $266,000
Asian 43 $9,119,000 $212,000 $1,350,000 $132,000 $489,000
Native Hawaiian or Other Pacific Islander 6 $931,000 $155,000 $270,000 $54,000 $100,000
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) 1,720 $289,954,000 $168,000 $2,250,000 $105,000 $1,141,000
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 977 $189,740,000 $194,000 $2,250,000 $123,000 $1,141,000
Application Denied By Financial Institution 558 $72,489,000 $129,000 $1,350,000 $68,000 $360,000
Application Withdrawn By Applicant 185 $27,725,000 $149,000 $595,000 $119,000 $936,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
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 321 $41,058,000 $127,000 $1,350,000 $70,000 $360,000
Debt-To-Income Ratio 170 $22,763,000 $133,000 $440,000 $57,000 $330,000
Insufficient Cash (Downpayment, Closing Cost) 19 $2,918,000 $153,000 $417,000 $73,000 $191,000
Credit Application Incomplete 17 $2,708,000 $159,000 $417,000 $98,000 $263,000
Collateral 16 $1,497,000 $93,000 $200,000 $79,000 $185,000
Other 9 $831,000 $92,000 $158,000 $112,000 $200,000
Unverifiable Information 4 $592,000 $148,000 $200,000 $120,000 $186,000
Employment History 2 $122,000 $61,000 $90,000 $38,000 $39,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Truity Federal Credit Union's 2015 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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