Truity Federal Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, Truity Federal Credit Union of Bartlesville, OK reported 987 mortgage applications totaling $208.0 million, up 41% from 2018. The average application was for $210,744, and applicants reported an average income of $130,729. 73% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Lawrence, KS (255), Houston-The Woodlands-Sugar Land, TX (114) and Fayetteville-Springdale-Rogers, AR-MO (86) (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 | 987 |
| Total Mortgage Loan Application Amount | $208,005,000 |
| Average Mortgage Loan Application Amount | $210,744 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $130,729 |
| Highest Applicant Income | $915,000 |
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records Truity Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Douglas, Kansas | 255 | $ 50,365,000 | $ 197,509 | $ 113,000 |
| Washington, Oklahoma | 214 | $ 30,950,000 | $ 144,626 | $ 101,000 |
| Harris, Texas | 55 | $ 17,195,000 | $ 312,636 | $ 164,000 |
| Washington, Arkansas | 48 | $ 8,490,000 | $ 176,875 | $ 141,000 |
| Benton, Arkansas | 38 | $ 6,800,000 | $ 178,947 | $ 120,000 |
| Fort Bend, Texas | 38 | $ 12,120,000 | $ 318,947 | $ 179,000 |
| Tulsa, Oklahoma | 32 | $ 7,770,000 | $ 242,812 | $ 162,000 |
| Johnson, Kansas | 16 | $ 4,030,000 | $ 251,875 | $ 140,000 |
| Jackson, Missouri | 11 | $ 1,655,000 | $ 150,454 | $ 138,000 |
| Montgomery, Texas | 11 | $ 3,825,000 | $ 347,727 | $ 218,000 |
| Osage, Oklahoma | 10 | $ 1,720,000 | $ 172,000 | $ 110,000 |
| Anchorage, Alaska | 9 | $ 3,955,000 | $ 439,444 | $ 239,000 |
| Jefferson, Kansas | 9 | $ 1,395,000 | $ 155,000 | $ 101,000 |
| Eddy, New Mexico | 9 | $ 2,325,000 | $ 258,333 | $ 132,000 |
| Delaware, Oklahoma | 9 | $ 1,735,000 | $ 192,777 | $ 199,000 |
| Stark, North Dakota | 7 | $ 2,055,000 | $ 293,571 | $ 167,000 |
| Oklahoma, Oklahoma | 7 | $ 1,075,000 | $ 153,571 | $ 151,000 |
| Whatcom, Washington | 7 | $ 2,515,000 | $ 359,285 | $ 195,000 |
| Montgomery, Kansas | 6 | $ 550,000 | $ 91,666 | $ 54,000 |
| Shawnee, Kansas | 6 | $ 1,230,000 | $ 205,000 | $ 143,000 |
| Yellowstone, Montana | 6 | $ 2,080,000 | $ 346,666 | $ 116,000 |
| Kay, Oklahoma | 6 | $ 1,000,000 | $ 166,666 | $ 114,000 |
| Rogers, Oklahoma | 6 | $ 5,280,000 | $ 880,000 | $ 286,000 |
| Galveston, Texas | 6 | $ 2,400,000 | $ 400,000 | $ 253,000 |
| Wyandotte, Kansas | 5 | $ 605,000 | $ 121,000 | $ 64,000 |
| Contra Costa, California | 4 | $ 1,770,000 | $ 442,500 | $ 166,000 |
| Carroll, Arkansas | 3 | $ 195,000 | $ 65,000 | $ 98,000 |
| Solano, California | 3 | $ 665,000 | $ 221,666 | $ 160,000 |
| Adams, Colorado | 3 | $ 885,000 | $ 295,000 | $ 116,000 |
| McKenzie, North Dakota | 3 | $ 815,000 | $ 271,666 | $ 189,000 |
| Cherokee, Oklahoma | 3 | $ 305,000 | $ 101,666 | $ 82,000 |
| Nowata, Oklahoma | 3 | $ 385,000 | $ 128,333 | $ 76,000 |
| Wagoner, Oklahoma | 3 | $ 435,000 | $ 145,000 | $ 122,000 |
| Brazoria, Texas | 3 | $ 765,000 | $ 255,000 | $ 188,000 |
| Collin, Texas | 3 | $ 865,000 | $ 288,333 | $ 99,000 |
| Potter, Texas | 3 | $ 775,000 | $ 258,333 | $ 204,000 |
| Randall, Texas | 3 | $ 645,000 | $ 215,000 | $ 129,000 |
| Tarrant, Texas | 3 | $ 855,000 | $ 285,000 | $ 127,000 |
| Los Angeles, California | 2 | $ 660,000 | $ 330,000 | $ 217,000 |
| Orange, California | 2 | $ 520,000 | $ 260,000 | $ 104,000 |
| Jefferson, Colorado | 2 | $ 720,000 | $ 360,000 | $ 197,000 |
| Broward, Florida | 2 | $ 530,000 | $ 265,000 | $ 277,000 |
| Orange, Florida | 2 | $ 550,000 | $ 275,000 | $ 296,000 |
| Walton, Florida | 2 | $ 660,000 | $ 330,000 | $ 388,000 |
| Jersey, Illinois | 2 | $ 520,000 | $ 260,000 | $ 143,000 |
| Madison, Illinois | 2 | $ 440,000 | $ 220,000 | $ 124,000 |
| Franklin, Kansas | 2 | $ 200,000 | $ 100,000 | $ 59,000 |
| Leavenworth, Kansas | 2 | $ 210,000 | $ 105,000 | $ 62,000 |
| Riley, Kansas | 2 | $ 450,000 | $ 225,000 | $ 116,000 |
| Bristol, Massachusetts | 2 | $ 620,000 | $ 310,000 | $ 190,000 |
| Becker, Minnesota | 2 | $ 290,000 | $ 145,000 | $ 169,000 |
| Clay, Missouri | 2 | $ 300,000 | $ 150,000 | $ 79,000 |
| Caddo, Oklahoma | 2 | $ 610,000 | $ 305,000 | $ 100,000 |
| Canadian, Oklahoma | 2 | $ 270,000 | $ 135,000 | $ 89,000 |
| Creek, Oklahoma | 2 | $ 240,000 | $ 120,000 | $ 61,000 |
| Pawnee, Oklahoma | 2 | $ 420,000 | $ 210,000 | $ 168,000 |
| Payne, Oklahoma | 2 | $ 370,000 | $ 185,000 | $ 161,000 |
| Centre, Pennsylvania | 2 | $ 930,000 | $ 465,000 | $ 375,000 |
| Hutchinson, Texas | 2 | $ 180,000 | $ 90,000 | $ 160,000 |
| Roanoke City, Virginia | 2 | $ 320,000 | $ 160,000 | $ 85,000 |
| Matanuska-Susitna, Alaska | 1 | $ 495,000 | $ 495,000 | $ 351,000 |
| Maricopa, Arizona | 1 | $ 755,000 | $ 755,000 | $ 588,000 |
| Crawford, Arkansas | 1 | $ 55,000 | $ 55,000 | $ 19,000 |
| Sebastian, Arkansas | 1 | $ 295,000 | $ 295,000 | $ 150,000 |
| Conejos, Colorado | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| El Paso, Colorado | 1 | $ 105,000 | $ 105,000 | $ 92,000 |
| Weld, Colorado | 1 | $ 365,000 | $ 365,000 | $ 135,000 |
| Sarasota, Florida | 1 | $ 115,000 | $ 115,000 | $ 118,000 |
| Bryan, Georgia | 1 | $ 235,000 | $ 235,000 | $ 114,000 |
| Bulloch, Georgia | 1 | $ 355,000 | $ 355,000 | $ 138,000 |
| DeKalb, Georgia | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Bartholomew, Indiana | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| Hamilton, Indiana | 1 | $ 345,000 | $ 345,000 | $ 113,000 |
| Madison, Iowa | 1 | $ 345,000 | $ 345,000 | $ 83,000 |
| Anderson, Kansas | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| Chautauqua, Kansas | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Finney, Kansas | 1 | $ 205,000 | $ 205,000 | $ 145,000 |
| Geary, Kansas | 1 | $ 85,000 | $ 85,000 | $ 158,000 |
| Linn, Kansas | 1 | $ 65,000 | $ 65,000 | $ 91,000 |
| Lyon, Kansas | 1 | $ 205,000 | $ 205,000 | $ 120,000 |
| Miami, Kansas | 1 | $ 245,000 | $ 245,000 | $ 126,000 |
| Osage, Kansas | 1 | $ 605,000 | $ 605,000 | $ 150,000 |
| Reno, Kansas | 1 | $ 75,000 | $ 75,000 | $ 21,000 |
| Sedgwick, Kansas | 1 | $ 55,000 | $ 55,000 | $ 23,000 |
| Johnson, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Mason, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Calcasieu, Louisiana | 1 | $ 235,000 | $ 235,000 | $ 77,000 |
| Jefferson, Louisiana | 1 | $ 285,000 | $ 285,000 | $ 120,000 |
| Orleans, Louisiana | 1 | $ 345,000 | $ 345,000 | $ 102,000 |
| Isabella, Michigan | 1 | $ 355,000 | $ 355,000 | $ 305,000 |
| Rankin, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Jasper, Missouri | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Lawrence, Missouri | 1 | $ 45,000 | $ 45,000 | $ 74,000 |
| McDonald, Missouri | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Mercer, Missouri | 1 | $ 145,000 | $ 145,000 | $ 70,000 |
| Platte, Missouri | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Taney, Missouri | 1 | $ 65,000 | $ 65,000 | $ 114,000 |
| Chaves, New Mexico | 1 | $ 245,000 | $ 245,000 | $ 169,000 |
| Moore, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Atoka, Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Beckham, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 74,000 |
| Cleveland, Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 86,000 |
| Lincoln, Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 178,000 |
| McClain, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
| Sequoyah, Oklahoma | 1 | $ 235,000 | $ 235,000 | $ 103,000 |
| Lane, Oregon | 1 | $ 365,000 | $ 365,000 | $ 250,000 |
| Union, South Dakota | 1 | $ 175,000 | $ 175,000 | $ 111,000 |
| Gibson, Tennessee | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Henry, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 147,000 |
| Montgomery, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Fannin, Texas | 1 | $ 105,000 | $ 105,000 | $ 74,000 |
| Gray, Texas | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| Grayson, Texas | 1 | $ 295,000 | $ 295,000 | $ 221,000 |
| Gregg, Texas | 1 | $ 175,000 | $ 175,000 | $ 134,000 |
| Hardin, Texas | 1 | $ 385,000 | $ 385,000 | $ 198,000 |
| Houston, Texas | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| Jefferson, Texas | 1 | $ 315,000 | $ 315,000 | $ 290,000 |
| Midland, Texas | 1 | $ 265,000 | $ 265,000 | $ 126,000 |
| Newton, Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Rockwall, Texas | 1 | $ 205,000 | $ 205,000 | $ 131,000 |
| Walker, Texas | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Waller, Texas | 1 | $ 305,000 | $ 305,000 | $ 240,000 |
| Washington, Texas | 1 | $ 465,000 | $ 465,000 | $ 300,000 |
| Williamson, Texas | 1 | $ 205,000 | $ 205,000 | $ 132,000 |
| Wilson, Texas | 1 | $ 205,000 | $ 205,000 | $ 104,000 |
| Utah, Utah | 1 | $ 335,000 | $ 335,000 | $ 200,000 |
| Pierce, Washington | 1 | $ 75,000 | $ 75,000 | $ 177,000 |
| Price, Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 0 |
Mortgage Loan Application Detail Totals for Truity Federal Credit Union in 2019
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 | 692 | $156,770,000 | $226,000 | $3,505,000 | $132,000 | $915,000 |
| Cash-out Refinancing | 91 | $18,745,000 | $205,000 | $1,305,000 | $117,000 | $605,000 |
| Other Purpose | 77 | $12,645,000 | $164,000 | $815,000 | $152,000 | $639,000 |
| Refinancing | 76 | $14,720,000 | $193,000 | $485,000 | $134,000 | $314,000 |
| Home Improvement | 51 | $5,125,000 | $100,000 | $455,000 | $101,000 | $300,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 760 | $161,580,000 | $212,000 | $3,505,000 | $131,000 | $915,000 |
| Not Provided | 87 | $19,445,000 | $223,000 | $575,000 | $143,000 | $503,000 |
| Hispanic | 48 | $9,440,000 | $196,000 | $645,000 | $126,000 | $388,000 |
| American Indian or Alaskan Native | 34 | $5,180,000 | $152,000 | $425,000 | $117,000 | $451,000 |
| Asian | 25 | $5,725,000 | $229,000 | $755,000 | $134,000 | $588,000 |
| Black or African American | 20 | $3,350,000 | $167,000 | $445,000 | $102,000 | $375,000 |
| Not applicable | 10 | $2,780,000 | $278,000 | $955,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $30,000 | $30,000 |
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) | 987 | $208,005,000 | $210,000 | $3,505,000 | $131,000 | $915,000 |
| 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 | 722 | $156,550,000 | $216,000 | $3,505,000 | $132,000 | $915,000 |
| Application Withdrawn By Applicant | 138 | $30,350,000 | $219,000 | $965,000 | $138,000 | $463,000 |
| Application Denied By Financial Institution | 100 | $14,200,000 | $142,000 | $1,305,000 | $58,000 | $207,000 |
| File Closed For Incompleteness | 14 | $3,570,000 | $255,000 | $645,000 | $161,000 | $456,000 |
| Application Approved But Not Accepted | 13 | $3,335,000 | $256,000 | $815,000 | $184,000 | $413,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 887 | $193,805,000 | $218,000 | $3,505,000 | $134,000 | $915,000 |
| Debt-To-Income Ratio | 42 | $6,670,000 | $158,000 | $1,305,000 | $57,000 | $207,000 |
| Credit History | 40 | $4,750,000 | $118,000 | $315,000 | $138,000 | $138,000 |
| Collateral | 13 | $2,195,000 | $168,000 | $445,000 | $0 | $0 |
| Employment History | 3 | $305,000 | $101,000 | $135,000 | $40,000 | $58,000 |
| Other | 2 | $280,000 | $140,000 | $165,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2019 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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