Truity Federal Credit Union Mortgage Lending & HMDA Data, 2016
In 2016, Truity Federal Credit Union of Bartlesville, OK reported 1,670 mortgage applications totaling $299.5 million, down 3% from 2015. The average application was for $179,335, and applicants reported an average income of $110,933. 63% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Lawrence, KS (368), Houston-The Woodlands-Sugar Land, TX (151) and Fayetteville-Springdale-Rogers, AR-MO (120) (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 |
| Years | 2025 2024 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 | 1,670 |
| Total Mortgage Loan Application Amount | $299,490,000 |
| Average Mortgage Loan Application Amount | $179,335 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $110,933 |
| Highest Applicant Income | $6,099,000 |
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records Truity Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington, Oklahoma | 602 | $ 82,183,000 | $ 136,516 | $ 79,000 |
| Douglas, Kansas | 368 | $ 62,092,000 | $ 168,728 | $ 97,000 |
| Harris, Texas | 82 | $ 23,831,000 | $ 290,621 | $ 187,000 |
| Washington, Arkansas | 76 | $ 13,640,000 | $ 179,473 | $ 123,000 |
| Fort Bend, Texas | 53 | $ 14,688,000 | $ 277,132 | $ 181,000 |
| Benton, Arkansas | 43 | $ 9,897,000 | $ 230,162 | $ 138,000 |
| Tulsa, Oklahoma | 37 | $ 6,949,000 | $ 187,810 | $ 115,000 |
| Jefferson, Kansas | 20 | $ 2,315,000 | $ 115,750 | $ 69,000 |
| Johnson, Kansas | 20 | $ 4,422,000 | $ 221,100 | $ 171,000 |
| Osage, Oklahoma | 19 | $ 2,967,000 | $ 156,157 | $ 95,000 |
| Anchorage, Alaska | 12 | $ 4,601,000 | $ 383,416 | $ 202,000 |
| Shawnee, Kansas | 11 | $ 1,349,000 | $ 122,636 | $ 77,000 |
| Leavenworth, Kansas | 10 | $ 2,011,000 | $ 201,100 | $ 105,000 |
| Wyandotte, Kansas | 10 | $ 1,144,000 | $ 114,400 | $ 69,000 |
| Oklahoma, Oklahoma | 10 | $ 1,880,000 | $ 188,000 | $ 88,000 |
| Jackson, Missouri | 9 | $ 1,395,000 | $ 155,000 | $ 78,000 |
| Hutchinson, Texas | 9 | $ 1,444,000 | $ 160,444 | $ 95,000 |
| Collin, Texas | 8 | $ 2,193,000 | $ 274,125 | $ 168,000 |
| Solano, California | 7 | $ 1,923,000 | $ 274,714 | $ 171,000 |
| Nowata, Oklahoma | 7 | $ 1,180,000 | $ 168,571 | $ 72,000 |
| Montgomery, Texas | 7 | $ 2,234,000 | $ 319,142 | $ 162,000 |
| Tarrant, Texas | 7 | $ 1,516,000 | $ 216,571 | $ 115,000 |
| Yellowstone, Montana | 5 | $ 1,568,000 | $ 313,600 | $ 205,000 |
| Kay, Oklahoma | 5 | $ 976,000 | $ 195,200 | $ 122,000 |
| Brazoria, Texas | 5 | $ 1,026,000 | $ 205,200 | $ 166,000 |
| Whatcom, Washington | 5 | $ 1,832,000 | $ 366,400 | $ 228,000 |
| Carroll, Arkansas | 4 | $ 657,000 | $ 164,250 | $ 91,000 |
| Franklin, Kansas | 4 | $ 335,000 | $ 83,750 | $ 67,000 |
| Montgomery, Kansas | 4 | $ 191,000 | $ 47,750 | $ 57,000 |
| Lawrence, Missouri | 4 | $ 464,000 | $ 116,000 | $ 78,000 |
| Stark, North Dakota | 4 | $ 1,169,000 | $ 292,250 | $ 165,000 |
| Cleveland, Oklahoma | 4 | $ 682,000 | $ 170,500 | $ 115,000 |
| Rogers, Oklahoma | 4 | $ 966,000 | $ 241,500 | $ 113,000 |
| Johnson, Arkansas | 3 | $ 192,000 | $ 64,000 | $ 78,000 |
| Pope, Arkansas | 3 | $ 167,000 | $ 55,666 | $ 50,000 |
| Larimer, Colorado | 3 | $ 661,000 | $ 220,333 | $ 138,000 |
| Madison, Illinois | 3 | $ 654,000 | $ 218,000 | $ 139,000 |
| Reno, Kansas | 3 | $ 156,000 | $ 52,000 | $ 66,000 |
| Sedgwick, Kansas | 3 | $ 446,000 | $ 148,666 | $ 58,000 |
| Calcasieu, Louisiana | 3 | $ 549,000 | $ 183,000 | $ 97,000 |
| Platte, Missouri | 3 | $ 870,000 | $ 290,000 | $ 273,000 |
| San Juan, New Mexico | 3 | $ 1,024,000 | $ 341,333 | $ 164,000 |
| Delaware, Oklahoma | 3 | $ 354,000 | $ 118,000 | $ 95,000 |
| Mayes, Oklahoma | 3 | $ 508,000 | $ 169,333 | $ 69,000 |
| Dallas, Texas | 3 | $ 1,039,000 | $ 346,333 | $ 129,000 |
| Midland, Texas | 3 | $ 897,000 | $ 299,000 | $ 170,000 |
| Maricopa, Arizona | 2 | $ 422,000 | $ 211,000 | $ 129,000 |
| San Diego, California | 2 | $ 496,000 | $ 248,000 | $ 122,000 |
| Jefferson, Colorado | 2 | $ 300,000 | $ 150,000 | $ 177,000 |
| Bureau, Illinois | 2 | $ 45,000 | $ 22,500 | $ 47,000 |
| Cook, Illinois | 2 | $ 405,000 | $ 202,500 | $ 162,000 |
| Will, Illinois | 2 | $ 569,000 | $ 284,500 | $ 193,000 |
| Woodbury, Iowa | 2 | $ 337,000 | $ 168,500 | $ 88,000 |
| Butler, Kansas | 2 | $ 575,000 | $ 287,500 | $ 396,000 |
| Miami, Kansas | 2 | $ 441,000 | $ 220,500 | $ 124,000 |
| Osage, Kansas | 2 | $ 200,000 | $ 100,000 | $ 57,000 |
| Natchitoches, Louisiana | 2 | $ 574,000 | $ 287,000 | $ 332,000 |
| Madison, Mississippi | 2 | $ 552,000 | $ 276,000 | $ 173,000 |
| St. Louis City, Missouri | 2 | $ 422,000 | $ 211,000 | $ 94,000 |
| Morris, New Jersey | 2 | $ 771,000 | $ 385,500 | $ 191,000 |
| Cherokee, Oklahoma | 2 | $ 161,000 | $ 80,500 | $ 94,000 |
| Creek, Oklahoma | 2 | $ 1,250,000 | $ 625,000 | $ 320,000 |
| Payne, Oklahoma | 2 | $ 432,000 | $ 216,000 | $ 102,000 |
| Wagoner, Oklahoma | 2 | $ 301,000 | $ 150,500 | $ 88,000 |
| Sevier, Tennessee | 2 | $ 510,000 | $ 255,000 | $ 256,000 |
| Wilson, Tennessee | 2 | $ 616,000 | $ 308,000 | $ 98,000 |
| Chambers, Texas | 2 | $ 215,000 | $ 107,500 | $ 174,000 |
| Denton, Texas | 2 | $ 259,000 | $ 129,500 | $ 131,000 |
| Galveston, Texas | 2 | $ 728,000 | $ 364,000 | $ 221,000 |
| Travis, Texas | 2 | $ 563,000 | $ 281,500 | $ 220,000 |
| Brown, Wisconsin | 2 | $ 1,240,000 | $ 620,000 | $ 452,000 |
| Matanuska-Susitna, Alaska | 1 | $ 361,000 | $ 361,000 | $ 107,000 |
| Arkansas, Arkansas | 1 | $ 275,000 | $ 275,000 | $ 205,000 |
| Boone, Arkansas | 1 | $ 60,000 | $ 60,000 | $ 52,000 |
| Faulkner, Arkansas | 1 | $ 300,000 | $ 300,000 | $ 189,000 |
| Garland, Arkansas | 1 | $ 250,000 | $ 250,000 | $ 95,000 |
| Hot Spring, Arkansas | 1 | $ 85,000 | $ 85,000 | $ 22,000 |
| Madison, Arkansas | 1 | $ 229,000 | $ 229,000 | $ 49,000 |
| Marion, Arkansas | 1 | $ 110,000 | $ 110,000 | $ 37,000 |
| Pulaski, Arkansas | 1 | $ 175,000 | $ 175,000 | $ 137,000 |
| Saline, Arkansas | 1 | $ 264,000 | $ 264,000 | $ 76,000 |
| Scott, Arkansas | 1 | $ 149,000 | $ 149,000 | $ 40,000 |
| Yell, Arkansas | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Arapahoe, Colorado | 1 | $ 160,000 | $ 160,000 | $ 70,000 |
| Denver, Colorado | 1 | $ 152,000 | $ 152,000 | $ 53,000 |
| Eagle, Colorado | 1 | $ 1,691,000 | $ 1,691,000 | $ 993,000 |
| District of Columbia, District Of Columbia | 1 | $ 1,680,000 | $ 1,680,000 | $ 475,000 |
| Monroe, Florida | 1 | $ 167,000 | $ 167,000 | $ 187,000 |
| Volusia, Florida | 1 | $ 258,000 | $ 258,000 | $ 120,000 |
| DuPage, Illinois | 1 | $ 307,000 | $ 307,000 | $ 170,000 |
| Harrison, Indiana | 1 | $ 90,000 | $ 90,000 | $ 142,000 |
| Johnson, Indiana | 1 | $ 70,000 | $ 70,000 | $ 84,000 |
| Anderson, Kansas | 1 | $ 53,000 | $ 53,000 | $ 91,000 |
| Barber, Kansas | 1 | $ 91,000 | $ 91,000 | $ 72,000 |
| Chautauqua, Kansas | 1 | $ 310,000 | $ 310,000 | $ 151,000 |
| Finney, Kansas | 1 | $ 272,000 | $ 272,000 | $ 90,000 |
| Grant, Kansas | 1 | $ 180,000 | $ 180,000 | $ 52,000 |
| Neosho, Kansas | 1 | $ 50,000 | $ 50,000 | $ 57,000 |
| Pratt, Kansas | 1 | $ 35,000 | $ 35,000 | $ 107,000 |
| Riley, Kansas | 1 | $ 94,000 | $ 94,000 | $ 35,000 |
| Hardin, Kentucky | 1 | $ 220,000 | $ 220,000 | $ 55,000 |
| Hopkins, Kentucky | 1 | $ 144,000 | $ 144,000 | $ 72,000 |
| Jefferson, Louisiana | 1 | $ 143,000 | $ 143,000 | $ 70,000 |
| Cass, Minnesota | 1 | $ 285,000 | $ 285,000 | $ 138,000 |
| Ramsey, Minnesota | 1 | $ 150,000 | $ 150,000 | $ 45,000 |
| Rankin, Mississippi | 1 | $ 288,000 | $ 288,000 | $ 118,000 |
| Warren, Mississippi | 1 | $ 196,000 | $ 196,000 | $ 134,000 |
| Dade, Missouri | 1 | $ 49,000 | $ 49,000 | $ 103,000 |
| Jefferson, Missouri | 1 | $ 225,000 | $ 225,000 | $ 86,000 |
| Pettis, Missouri | 1 | $ 247,000 | $ 247,000 | $ 229,000 |
| Polk, Missouri | 1 | $ 199,000 | $ 199,000 | $ 118,000 |
| St. Charles, Missouri | 1 | $ 139,000 | $ 139,000 | $ 49,000 |
| St. Louis, Missouri | 1 | $ 355,000 | $ 355,000 | $ 124,000 |
| Stoddard, Missouri | 1 | $ 83,000 | $ 83,000 | $ 102,000 |
| Carbon, Montana | 1 | $ 250,000 | $ 250,000 | $ 147,000 |
| Santa Fe, New Mexico | 1 | $ 108,000 | $ 108,000 | $ 174,000 |
| Dare, North Carolina | 1 | $ 193,000 | $ 193,000 | $ 206,000 |
| Durham, North Carolina | 1 | $ 385,000 | $ 385,000 | $ 77,000 |
| Guilford, North Carolina | 1 | $ 349,000 | $ 349,000 | $ 145,000 |
| Iredell, North Carolina | 1 | $ 40,000 | $ 40,000 | $ 56,000 |
| Rowan, North Carolina | 1 | $ 112,000 | $ 112,000 | $ 46,000 |
| Union, North Carolina | 1 | $ 136,000 | $ 136,000 | $ 53,000 |
| Beckham, Oklahoma | 1 | $ 142,000 | $ 142,000 | $ 60,000 |
| Canadian, Oklahoma | 1 | $ 442,000 | $ 442,000 | $ 108,000 |
| Choctaw, Oklahoma | 1 | $ 375,000 | $ 375,000 | $ 184,000 |
| Craig, Oklahoma | 1 | $ 41,000 | $ 41,000 | $ 35,000 |
| Okfuskee, Oklahoma | 1 | $ 63,000 | $ 63,000 | $ 132,000 |
| Seminole, Oklahoma | 1 | $ 90,000 | $ 90,000 | $ 90,000 |
| Stephens, Oklahoma | 1 | $ 271,000 | $ 271,000 | $ 131,000 |
| Multnomah, Oregon | 1 | $ 200,000 | $ 200,000 | $ 59,000 |
| Lancaster, Pennsylvania | 1 | $ 36,000 | $ 36,000 | $ 34,000 |
| Monroe, Pennsylvania | 1 | $ 179,000 | $ 179,000 | $ 125,000 |
| Berkeley, South Carolina | 1 | $ 175,000 | $ 175,000 | $ 262,000 |
| Georgetown, South Carolina | 1 | $ 320,000 | $ 320,000 | $ 500,000 |
| Oconee, South Carolina | 1 | $ 167,000 | $ 167,000 | $ 97,000 |
| Pickens, South Carolina | 1 | $ 364,000 | $ 364,000 | $ 235,000 |
| Spartanburg, South Carolina | 1 | $ 127,000 | $ 127,000 | $ 124,000 |
| Davidson, Tennessee | 1 | $ 178,000 | $ 178,000 | $ 63,000 |
| Montgomery, Tennessee | 1 | $ 80,000 | $ 80,000 | $ 43,000 |
| Rutherford, Tennessee | 1 | $ 159,000 | $ 159,000 | $ 160,000 |
| Bell, Texas | 1 | $ 43,000 | $ 43,000 | $ 43,000 |
| Bowie, Texas | 1 | $ 76,000 | $ 76,000 | $ 2,000 |
| Brazos, Texas | 1 | $ 350,000 | $ 350,000 | $ 200,000 |
| Caldwell, Texas | 1 | $ 90,000 | $ 90,000 | $ 165,000 |
| Carson, Texas | 1 | $ 275,000 | $ 275,000 | $ 114,000 |
| Comal, Texas | 1 | $ 174,000 | $ 174,000 | $ 118,000 |
| Ector, Texas | 1 | $ 259,000 | $ 259,000 | $ 113,000 |
| Foard, Texas | 1 | $ 46,000 | $ 46,000 | $ 63,000 |
| Grayson, Texas | 1 | $ 380,000 | $ 380,000 | $ 199,000 |
| Guadalupe, Texas | 1 | $ 225,000 | $ 225,000 | $ 133,000 |
| Hardin, Texas | 1 | $ 320,000 | $ 320,000 | $ 114,000 |
| Jasper, Texas | 1 | $ 168,000 | $ 168,000 | $ 141,000 |
| Jefferson, Texas | 1 | $ 186,000 | $ 186,000 | $ 73,000 |
| Johnson, Texas | 1 | $ 119,000 | $ 119,000 | $ 82,000 |
| Kendall, Texas | 1 | $ 380,000 | $ 380,000 | $ 237,000 |
| Navarro, Texas | 1 | $ 225,000 | $ 225,000 | $ 95,000 |
| Parker, Texas | 1 | $ 273,000 | $ 273,000 | $ 133,000 |
| Williamson, Texas | 1 | $ 150,000 | $ 150,000 | $ 100,000 |
| Davis, Utah | 1 | $ 608,000 | $ 608,000 | $ 188,000 |
| Salt Lake, Utah | 1 | $ 242,000 | $ 242,000 | $ 93,000 |
| Wasatch, Utah | 1 | $ 1,251,000 | $ 1,251,000 | $ 6,099,000 |
| Weber, Utah | 1 | $ 309,000 | $ 309,000 | $ 116,000 |
| Alexandria, Virginia | 1 | $ 400,000 | $ 400,000 | $ 277,000 |
| Shenandoah, Virginia | 1 | $ 82,000 | $ 82,000 | $ 26,000 |
| Pierce, Washington | 1 | $ 347,000 | $ 347,000 | $ 185,000 |
Mortgage Loan Application Detail Totals for Truity Federal Credit Union in 2016
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 | 1,064 | $197,935,000 | $186,000 | $2,400,000 | $108,000 | $6,099,000 |
| Refinancing | 533 | $92,277,000 | $173,000 | $1,691,000 | $115,000 | $993,000 |
| Home Improvement | 73 | $9,278,000 | $127,000 | $390,000 | $124,000 | $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 | 1,254 | $225,309,000 | $179,000 | $2,400,000 | $110,000 | $6,099,000 |
| Not Provided | 174 | $33,462,000 | $192,000 | $1,691,000 | $135,000 | $993,000 |
| Hispanic | 73 | $10,175,000 | $139,000 | $437,000 | $84,000 | $308,000 |
| Asian | 67 | $13,917,000 | $207,000 | $417,000 | $129,000 | $734,000 |
| American Indian or Alaskan Native | 60 | $9,508,000 | $158,000 | $393,000 | $84,000 | $265,000 |
| Black or African American | 32 | $5,526,000 | $172,000 | $693,000 | $85,000 | $466,000 |
| Native Hawaiin or Other Pacific Islander | 7 | $1,194,000 | $170,000 | $417,000 | $162,000 | $610,000 |
| Not applicable | 3 | $399,000 | $133,000 | $325,000 | $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) | 1,670 | $299,490,000 | $179,000 | $2,400,000 | $111,000 | $6,099,000 |
| 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 | 1,054 | $211,374,000 | $200,000 | $2,400,000 | $129,000 | $6,099,000 |
| Application Denied By Financial Institution | 447 | $60,019,000 | $134,000 | $543,000 | $69,000 | $396,000 |
| Application Withdrawn By Applicant | 142 | $23,461,000 | $165,000 | $533,000 | $113,000 | $405,000 |
| File Closed For Incompleteness | 24 | $4,149,000 | $172,000 | $400,000 | $108,000 | $216,000 |
| Application Approved But Not Accepted | 3 | $487,000 | $162,000 | $293,000 | $88,000 | $116,000 |
| 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 | 238 | $30,845,000 | $129,000 | $398,000 | $74,000 | $320,000 |
| Debt-To-Income Ratio | 157 | $21,935,000 | $139,000 | $543,000 | $56,000 | $396,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 23 | $2,615,000 | $113,000 | $275,000 | $51,000 | $132,000 |
| Collateral | 11 | $1,132,000 | $102,000 | $325,000 | $105,000 | $330,000 |
| Unverifiable Information | 10 | $1,802,000 | $180,000 | $408,000 | $96,000 | $260,000 |
| Employment History | 4 | $978,000 | $244,000 | $364,000 | $123,000 | $167,000 |
| Credit Application Incomplete | 2 | $418,000 | $209,000 | $300,000 | $203,000 | $355,000 |
| Other | 1 | $76,000 | $76,000 | $76,000 | $108,000 | $108,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Truity Federal Credit Union's 2016 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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