Truity Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Truity Federal Credit Union 2016 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 | 1,670 |
| Total Mortgage Loan Application Amount | $299,490,000 |
| Average Mortgage Loan Application Amount | $162,000 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $115,666 |
| Highest Applicant Income | $6,099,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 602 | $ 82,183,000 | $ 136,000 | $ 79,000 |
| Douglas County Kansas | 368 | $ 62,092,000 | $ 168,000 | $ 97,000 |
| Harris County Texas | 82 | $ 23,831,000 | $ 290,000 | $ 187,000 |
| Washington County Arkansas | 76 | $ 13,640,000 | $ 179,000 | $ 123,000 |
| Fort Bend County Texas | 53 | $ 14,688,000 | $ 277,000 | $ 181,000 |
| Benton County Arkansas | 43 | $ 9,897,000 | $ 230,000 | $ 138,000 |
| Tulsa County Oklahoma | 37 | $ 6,949,000 | $ 187,000 | $ 115,000 |
| Jefferson County Kansas | 20 | $ 2,315,000 | $ 115,000 | $ 69,000 |
| Johnson County Kansas | 20 | $ 4,422,000 | $ 221,000 | $ 171,000 |
| Osage County Oklahoma | 19 | $ 2,967,000 | $ 156,000 | $ 95,000 |
| Anchorage County Alaska | 12 | $ 4,601,000 | $ 383,000 | $ 202,000 |
| Shawnee County Kansas | 11 | $ 1,349,000 | $ 122,000 | $ 77,000 |
| Leavenworth County Kansas | 10 | $ 2,011,000 | $ 201,000 | $ 105,000 |
| Wyandotte County Kansas | 10 | $ 1,144,000 | $ 114,000 | $ 69,000 |
| Oklahoma County Oklahoma | 10 | $ 1,880,000 | $ 188,000 | $ 88,000 |
| Jackson County Missouri | 9 | $ 1,395,000 | $ 155,000 | $ 78,000 |
| Hutchinson County Texas | 9 | $ 1,444,000 | $ 160,000 | $ 95,000 |
| Collin County Texas | 8 | $ 2,193,000 | $ 274,000 | $ 168,000 |
| Solano County California | 7 | $ 1,923,000 | $ 274,000 | $ 171,000 |
| Nowata County Oklahoma | 7 | $ 1,180,000 | $ 168,000 | $ 72,000 |
| Montgomery County Texas | 7 | $ 2,234,000 | $ 319,000 | $ 162,000 |
| Tarrant County Texas | 7 | $ 1,516,000 | $ 216,000 | $ 115,000 |
| Yellowstone County Montana | 5 | $ 1,568,000 | $ 313,000 | $ 205,000 |
| Kay County Oklahoma | 5 | $ 976,000 | $ 195,000 | $ 122,000 |
| Brazoria County Texas | 5 | $ 1,026,000 | $ 205,000 | $ 166,000 |
| Whatcom County Washington | 5 | $ 1,832,000 | $ 366,000 | $ 228,000 |
| Carroll County Arkansas | 4 | $ 657,000 | $ 164,000 | $ 91,000 |
| Franklin County Kansas | 4 | $ 335,000 | $ 83,000 | $ 67,000 |
| Montgomery County Kansas | 4 | $ 191,000 | $ 47,000 | $ 57,000 |
| Lawrence County Missouri | 4 | $ 464,000 | $ 116,000 | $ 78,000 |
| Stark County North Dakota | 4 | $ 1,169,000 | $ 292,000 | $ 165,000 |
| Cleveland County Oklahoma | 4 | $ 682,000 | $ 170,000 | $ 115,000 |
| Rogers County Oklahoma | 4 | $ 966,000 | $ 241,000 | $ 113,000 |
| Johnson County Arkansas | 3 | $ 192,000 | $ 64,000 | $ 78,000 |
| Pope County Arkansas | 3 | $ 167,000 | $ 55,000 | $ 50,000 |
| Larimer County Colorado | 3 | $ 661,000 | $ 220,000 | $ 138,000 |
| Madison County Illinois | 3 | $ 654,000 | $ 218,000 | $ 139,000 |
| Reno County Kansas | 3 | $ 156,000 | $ 52,000 | $ 66,000 |
| Sedgwick County Kansas | 3 | $ 446,000 | $ 148,000 | $ 58,000 |
| Calcasieu County Louisiana | 3 | $ 549,000 | $ 183,000 | $ 97,000 |
| Platte County Missouri | 3 | $ 870,000 | $ 290,000 | $ 273,000 |
| San Juan County New Mexico | 3 | $ 1,024,000 | $ 341,000 | $ 164,000 |
| Delaware County Oklahoma | 3 | $ 354,000 | $ 118,000 | $ 95,000 |
| Mayes County Oklahoma | 3 | $ 508,000 | $ 169,000 | $ 69,000 |
| Dallas County Texas | 3 | $ 1,039,000 | $ 346,000 | $ 129,000 |
| Midland County Texas | 3 | $ 897,000 | $ 299,000 | $ 170,000 |
| Maricopa County Arizona | 2 | $ 422,000 | $ 211,000 | $ 129,000 |
| San Diego County California | 2 | $ 496,000 | $ 248,000 | $ 122,000 |
| Jefferson County Colorado | 2 | $ 300,000 | $ 150,000 | $ 177,000 |
| Bureau County Illinois | 2 | $ 45,000 | $ 22,000 | $ 47,000 |
| Cook County Illinois | 2 | $ 405,000 | $ 202,000 | $ 162,000 |
| Will County Illinois | 2 | $ 569,000 | $ 284,000 | $ 193,000 |
| Woodbury County Iowa | 2 | $ 337,000 | $ 168,000 | $ 88,000 |
| Butler County Kansas | 2 | $ 575,000 | $ 287,000 | $ 396,000 |
| Miami County Kansas | 2 | $ 441,000 | $ 220,000 | $ 124,000 |
| Osage County Kansas | 2 | $ 200,000 | $ 100,000 | $ 57,000 |
| Natchitoches County Louisiana | 2 | $ 574,000 | $ 287,000 | $ 332,000 |
| Madison County Mississippi | 2 | $ 552,000 | $ 276,000 | $ 173,000 |
| St. Louis City County Missouri | 2 | $ 422,000 | $ 211,000 | $ 94,000 |
| Morris County New Jersey | 2 | $ 771,000 | $ 385,000 | $ 191,000 |
| Cherokee County Oklahoma | 2 | $ 161,000 | $ 80,000 | $ 94,000 |
| Creek County Oklahoma | 2 | $ 1,250,000 | $ 625,000 | $ 320,000 |
| Payne County Oklahoma | 2 | $ 432,000 | $ 216,000 | $ 102,000 |
| Wagoner County Oklahoma | 2 | $ 301,000 | $ 150,000 | $ 88,000 |
| Sevier County Tennessee | 2 | $ 510,000 | $ 255,000 | $ 256,000 |
| Wilson County Tennessee | 2 | $ 616,000 | $ 308,000 | $ 98,000 |
| Chambers County Texas | 2 | $ 215,000 | $ 107,000 | $ 174,000 |
| Denton County Texas | 2 | $ 259,000 | $ 129,000 | $ 131,000 |
| Galveston County Texas | 2 | $ 728,000 | $ 364,000 | $ 221,000 |
| Travis County Texas | 2 | $ 563,000 | $ 281,000 | $ 220,000 |
| Brown County Wisconsin | 2 | $ 1,240,000 | $ 620,000 | $ 452,000 |
| Matanuska-Susitna County Alaska | 1 | $ 361,000 | $ 361,000 | $ 107,000 |
| Arkansas County Arkansas | 1 | $ 275,000 | $ 275,000 | $ 205,000 |
| Boone County Arkansas | 1 | $ 60,000 | $ 60,000 | $ 52,000 |
| Faulkner County Arkansas | 1 | $ 300,000 | $ 300,000 | $ 189,000 |
| Garland County Arkansas | 1 | $ 250,000 | $ 250,000 | $ 95,000 |
| Hot Spring County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 22,000 |
| Madison County Arkansas | 1 | $ 229,000 | $ 229,000 | $ 49,000 |
| Marion County Arkansas | 1 | $ 110,000 | $ 110,000 | $ 37,000 |
| Pulaski County Arkansas | 1 | $ 175,000 | $ 175,000 | $ 137,000 |
| Saline County Arkansas | 1 | $ 264,000 | $ 264,000 | $ 76,000 |
| Scott County Arkansas | 1 | $ 149,000 | $ 149,000 | $ 40,000 |
| Yell County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Arapahoe County Colorado | 1 | $ 160,000 | $ 160,000 | $ 70,000 |
| Denver County Colorado | 1 | $ 152,000 | $ 152,000 | $ 53,000 |
| Eagle County Colorado | 1 | $ 1,691,000 | $ 1,691,000 | $ 993,000 |
| District of Columbia County District Of Columbia | 1 | $ 1,680,000 | $ 1,680,000 | $ 475,000 |
| Monroe County Florida | 1 | $ 167,000 | $ 167,000 | $ 187,000 |
| Volusia County Florida | 1 | $ 258,000 | $ 258,000 | $ 120,000 |
| DuPage County Illinois | 1 | $ 307,000 | $ 307,000 | $ 170,000 |
| Harrison County Indiana | 1 | $ 90,000 | $ 90,000 | $ 142,000 |
| Johnson County Indiana | 1 | $ 70,000 | $ 70,000 | $ 84,000 |
| Anderson County Kansas | 1 | $ 53,000 | $ 53,000 | $ 91,000 |
| Barber County Kansas | 1 | $ 91,000 | $ 91,000 | $ 72,000 |
| Chautauqua County Kansas | 1 | $ 310,000 | $ 310,000 | $ 151,000 |
| Finney County Kansas | 1 | $ 272,000 | $ 272,000 | $ 90,000 |
| Grant County Kansas | 1 | $ 180,000 | $ 180,000 | $ 52,000 |
| Neosho County Kansas | 1 | $ 50,000 | $ 50,000 | $ 57,000 |
| Pratt County Kansas | 1 | $ 35,000 | $ 35,000 | $ 107,000 |
| Riley County Kansas | 1 | $ 94,000 | $ 94,000 | $ 35,000 |
| Hardin County Kentucky | 1 | $ 220,000 | $ 220,000 | $ 55,000 |
| Hopkins County Kentucky | 1 | $ 144,000 | $ 144,000 | $ 72,000 |
| Jefferson County Louisiana | 1 | $ 143,000 | $ 143,000 | $ 70,000 |
| Cass County Minnesota | 1 | $ 285,000 | $ 285,000 | $ 138,000 |
| Ramsey County Minnesota | 1 | $ 150,000 | $ 150,000 | $ 45,000 |
| Rankin County Mississippi | 1 | $ 288,000 | $ 288,000 | $ 118,000 |
| Warren County Mississippi | 1 | $ 196,000 | $ 196,000 | $ 134,000 |
| Dade County Missouri | 1 | $ 49,000 | $ 49,000 | $ 103,000 |
| Jefferson County Missouri | 1 | $ 225,000 | $ 225,000 | $ 86,000 |
| Pettis County Missouri | 1 | $ 247,000 | $ 247,000 | $ 229,000 |
| Polk County Missouri | 1 | $ 199,000 | $ 199,000 | $ 118,000 |
| St. Charles County Missouri | 1 | $ 139,000 | $ 139,000 | $ 49,000 |
| St. Louis County Missouri | 1 | $ 355,000 | $ 355,000 | $ 124,000 |
| Stoddard County Missouri | 1 | $ 83,000 | $ 83,000 | $ 102,000 |
| Carbon County Montana | 1 | $ 250,000 | $ 250,000 | $ 147,000 |
| Santa Fe County New Mexico | 1 | $ 108,000 | $ 108,000 | $ 174,000 |
| Dare County North Carolina | 1 | $ 193,000 | $ 193,000 | $ 206,000 |
| Durham County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 77,000 |
| Guilford County North Carolina | 1 | $ 349,000 | $ 349,000 | $ 145,000 |
| Iredell County North Carolina | 1 | $ 40,000 | $ 40,000 | $ 56,000 |
| Rowan County North Carolina | 1 | $ 112,000 | $ 112,000 | $ 46,000 |
| Union County North Carolina | 1 | $ 136,000 | $ 136,000 | $ 53,000 |
| Beckham County Oklahoma | 1 | $ 142,000 | $ 142,000 | $ 60,000 |
| Canadian County Oklahoma | 1 | $ 442,000 | $ 442,000 | $ 108,000 |
| Choctaw County Oklahoma | 1 | $ 375,000 | $ 375,000 | $ 184,000 |
| Craig County Oklahoma | 1 | $ 41,000 | $ 41,000 | $ 35,000 |
| Okfuskee County Oklahoma | 1 | $ 63,000 | $ 63,000 | $ 132,000 |
| Seminole County Oklahoma | 1 | $ 90,000 | $ 90,000 | $ 90,000 |
| Stephens County Oklahoma | 1 | $ 271,000 | $ 271,000 | $ 131,000 |
| Multnomah County Oregon | 1 | $ 200,000 | $ 200,000 | $ 59,000 |
| Lancaster County Pennsylvania | 1 | $ 36,000 | $ 36,000 | $ 34,000 |
| Monroe County Pennsylvania | 1 | $ 179,000 | $ 179,000 | $ 125,000 |
| Berkeley County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 262,000 |
| Georgetown County South Carolina | 1 | $ 320,000 | $ 320,000 | $ 500,000 |
| Oconee County South Carolina | 1 | $ 167,000 | $ 167,000 | $ 97,000 |
| Pickens County South Carolina | 1 | $ 364,000 | $ 364,000 | $ 235,000 |
| Spartanburg County South Carolina | 1 | $ 127,000 | $ 127,000 | $ 124,000 |
| Davidson County Tennessee | 1 | $ 178,000 | $ 178,000 | $ 63,000 |
| Montgomery County Tennessee | 1 | $ 80,000 | $ 80,000 | $ 43,000 |
| Rutherford County Tennessee | 1 | $ 159,000 | $ 159,000 | $ 160,000 |
| Bell County Texas | 1 | $ 43,000 | $ 43,000 | $ 43,000 |
| Bowie County Texas | 1 | $ 76,000 | $ 76,000 | $ 2,000 |
| Brazos County Texas | 1 | $ 350,000 | $ 350,000 | $ 200,000 |
| Caldwell County Texas | 1 | $ 90,000 | $ 90,000 | $ 165,000 |
| Carson County Texas | 1 | $ 275,000 | $ 275,000 | $ 114,000 |
| Comal County Texas | 1 | $ 174,000 | $ 174,000 | $ 118,000 |
| Ector County Texas | 1 | $ 259,000 | $ 259,000 | $ 113,000 |
| Foard County Texas | 1 | $ 46,000 | $ 46,000 | $ 63,000 |
| Grayson County Texas | 1 | $ 380,000 | $ 380,000 | $ 199,000 |
| Guadalupe County Texas | 1 | $ 225,000 | $ 225,000 | $ 133,000 |
| Hardin County Texas | 1 | $ 320,000 | $ 320,000 | $ 114,000 |
| Jasper County Texas | 1 | $ 168,000 | $ 168,000 | $ 141,000 |
| Jefferson County Texas | 1 | $ 186,000 | $ 186,000 | $ 73,000 |
| Johnson County Texas | 1 | $ 119,000 | $ 119,000 | $ 82,000 |
| Kendall County Texas | 1 | $ 380,000 | $ 380,000 | $ 237,000 |
| Navarro County Texas | 1 | $ 225,000 | $ 225,000 | $ 95,000 |
| Parker County Texas | 1 | $ 273,000 | $ 273,000 | $ 133,000 |
| Williamson County Texas | 1 | $ 150,000 | $ 150,000 | $ 100,000 |
| Davis County Utah | 1 | $ 608,000 | $ 608,000 | $ 188,000 |
| Salt Lake County Utah | 1 | $ 242,000 | $ 242,000 | $ 93,000 |
| Wasatch County Utah | 1 | $ 1,251,000 | $ 1,251,000 | $ 6,099,000 |
| Weber County Utah | 1 | $ 309,000 | $ 309,000 | $ 116,000 |
| Alexandria County Virginia | 1 | $ 400,000 | $ 400,000 | $ 277,000 |
| Shenandoah County Virginia | 1 | $ 82,000 | $ 82,000 | $ 26,000 |
| Pierce County 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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with aggregated HMDA statistics today.