Truity Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Truity Federal Credit Union 2019 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 | 987 |
| Total Mortgage Loan Application Amount | $208,005,000 |
| Average Mortgage Loan Application Amount | $177,600 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $127,200 |
| Highest Applicant Income | $915,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Douglas County Kansas | 255 | $ 50,365,000 | $ 197,000 | $ 113,000 |
| Washington County Oklahoma | 214 | $ 30,950,000 | $ 144,000 | $ 101,000 |
| Harris County Texas | 55 | $ 17,195,000 | $ 312,000 | $ 164,000 |
| Washington County Arkansas | 48 | $ 8,490,000 | $ 176,000 | $ 141,000 |
| Benton County Arkansas | 38 | $ 6,800,000 | $ 178,000 | $ 120,000 |
| Fort Bend County Texas | 38 | $ 12,120,000 | $ 318,000 | $ 179,000 |
| Tulsa County Oklahoma | 32 | $ 7,770,000 | $ 242,000 | $ 162,000 |
| Johnson County Kansas | 16 | $ 4,030,000 | $ 251,000 | $ 140,000 |
| Jackson County Missouri | 11 | $ 1,655,000 | $ 150,000 | $ 138,000 |
| Montgomery County Texas | 11 | $ 3,825,000 | $ 347,000 | $ 218,000 |
| Osage County Oklahoma | 10 | $ 1,720,000 | $ 172,000 | $ 110,000 |
| Anchorage County Alaska | 9 | $ 3,955,000 | $ 439,000 | $ 239,000 |
| Jefferson County Kansas | 9 | $ 1,395,000 | $ 155,000 | $ 101,000 |
| Eddy County New Mexico | 9 | $ 2,325,000 | $ 258,000 | $ 132,000 |
| Delaware County Oklahoma | 9 | $ 1,735,000 | $ 192,000 | $ 199,000 |
| Stark County North Dakota | 7 | $ 2,055,000 | $ 293,000 | $ 167,000 |
| Oklahoma County Oklahoma | 7 | $ 1,075,000 | $ 153,000 | $ 151,000 |
| Whatcom County Washington | 7 | $ 2,515,000 | $ 359,000 | $ 195,000 |
| Montgomery County Kansas | 6 | $ 550,000 | $ 91,000 | $ 54,000 |
| Shawnee County Kansas | 6 | $ 1,230,000 | $ 205,000 | $ 143,000 |
| Yellowstone County Montana | 6 | $ 2,080,000 | $ 346,000 | $ 116,000 |
| Kay County Oklahoma | 6 | $ 1,000,000 | $ 166,000 | $ 114,000 |
| Rogers County Oklahoma | 6 | $ 5,280,000 | $ 880,000 | $ 286,000 |
| Galveston County Texas | 6 | $ 2,400,000 | $ 400,000 | $ 253,000 |
| Wyandotte County Kansas | 5 | $ 605,000 | $ 121,000 | $ 64,000 |
| Contra Costa County California | 4 | $ 1,770,000 | $ 442,000 | $ 166,000 |
| Carroll County Arkansas | 3 | $ 195,000 | $ 65,000 | $ 98,000 |
| Solano County California | 3 | $ 665,000 | $ 221,000 | $ 160,000 |
| Adams County Colorado | 3 | $ 885,000 | $ 295,000 | $ 116,000 |
| McKenzie County North Dakota | 3 | $ 815,000 | $ 271,000 | $ 189,000 |
| Cherokee County Oklahoma | 3 | $ 305,000 | $ 101,000 | $ 82,000 |
| Nowata County Oklahoma | 3 | $ 385,000 | $ 128,000 | $ 76,000 |
| Wagoner County Oklahoma | 3 | $ 435,000 | $ 145,000 | $ 122,000 |
| Brazoria County Texas | 3 | $ 765,000 | $ 255,000 | $ 188,000 |
| Collin County Texas | 3 | $ 865,000 | $ 288,000 | $ 99,000 |
| Potter County Texas | 3 | $ 775,000 | $ 258,000 | $ 204,000 |
| Randall County Texas | 3 | $ 645,000 | $ 215,000 | $ 129,000 |
| Tarrant County Texas | 3 | $ 855,000 | $ 285,000 | $ 127,000 |
| Los Angeles County California | 2 | $ 660,000 | $ 330,000 | $ 217,000 |
| Orange County California | 2 | $ 520,000 | $ 260,000 | $ 104,000 |
| Jefferson County Colorado | 2 | $ 720,000 | $ 360,000 | $ 197,000 |
| Broward County Florida | 2 | $ 530,000 | $ 265,000 | $ 277,000 |
| Orange County Florida | 2 | $ 550,000 | $ 275,000 | $ 296,000 |
| Walton County Florida | 2 | $ 660,000 | $ 330,000 | $ 388,000 |
| Jersey County Illinois | 2 | $ 520,000 | $ 260,000 | $ 143,000 |
| Madison County Illinois | 2 | $ 440,000 | $ 220,000 | $ 124,000 |
| Franklin County Kansas | 2 | $ 200,000 | $ 100,000 | $ 59,000 |
| Leavenworth County Kansas | 2 | $ 210,000 | $ 105,000 | $ 62,000 |
| Riley County Kansas | 2 | $ 450,000 | $ 225,000 | $ 116,000 |
| Bristol County Massachusetts | 2 | $ 620,000 | $ 310,000 | $ 190,000 |
| Becker County Minnesota | 2 | $ 290,000 | $ 145,000 | $ 169,000 |
| Clay County Missouri | 2 | $ 300,000 | $ 150,000 | $ 79,000 |
| Caddo County Oklahoma | 2 | $ 610,000 | $ 305,000 | $ 100,000 |
| Canadian County Oklahoma | 2 | $ 270,000 | $ 135,000 | $ 89,000 |
| Creek County Oklahoma | 2 | $ 240,000 | $ 120,000 | $ 61,000 |
| Pawnee County Oklahoma | 2 | $ 420,000 | $ 210,000 | $ 168,000 |
| Payne County Oklahoma | 2 | $ 370,000 | $ 185,000 | $ 161,000 |
| Centre County Pennsylvania | 2 | $ 930,000 | $ 465,000 | $ 375,000 |
| Hutchinson County Texas | 2 | $ 180,000 | $ 90,000 | $ 160,000 |
| Roanoke City County Virginia | 2 | $ 320,000 | $ 160,000 | $ 85,000 |
| Matanuska-Susitna County Alaska | 1 | $ 495,000 | $ 495,000 | $ 351,000 |
| Maricopa County Arizona | 1 | $ 755,000 | $ 755,000 | $ 588,000 |
| Crawford County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 19,000 |
| Sebastian County Arkansas | 1 | $ 295,000 | $ 295,000 | $ 150,000 |
| Conejos County Colorado | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| El Paso County Colorado | 1 | $ 105,000 | $ 105,000 | $ 92,000 |
| Weld County Colorado | 1 | $ 365,000 | $ 365,000 | $ 135,000 |
| Sarasota County Florida | 1 | $ 115,000 | $ 115,000 | $ 118,000 |
| Bryan County Georgia | 1 | $ 235,000 | $ 235,000 | $ 114,000 |
| Bulloch County Georgia | 1 | $ 355,000 | $ 355,000 | $ 138,000 |
| DeKalb County Georgia | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Bartholomew County Indiana | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| Hamilton County Indiana | 1 | $ 345,000 | $ 345,000 | $ 113,000 |
| Madison County Iowa | 1 | $ 345,000 | $ 345,000 | $ 83,000 |
| Anderson County Kansas | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| Chautauqua County Kansas | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Finney County Kansas | 1 | $ 205,000 | $ 205,000 | $ 145,000 |
| Geary County Kansas | 1 | $ 85,000 | $ 85,000 | $ 158,000 |
| Linn County Kansas | 1 | $ 65,000 | $ 65,000 | $ 91,000 |
| Lyon County Kansas | 1 | $ 205,000 | $ 205,000 | $ 120,000 |
| Miami County Kansas | 1 | $ 245,000 | $ 245,000 | $ 126,000 |
| Osage County Kansas | 1 | $ 605,000 | $ 605,000 | $ 150,000 |
| Reno County Kansas | 1 | $ 75,000 | $ 75,000 | $ 21,000 |
| Sedgwick County Kansas | 1 | $ 55,000 | $ 55,000 | $ 23,000 |
| Johnson County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Mason County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Calcasieu County Louisiana | 1 | $ 235,000 | $ 235,000 | $ 77,000 |
| Jefferson County Louisiana | 1 | $ 285,000 | $ 285,000 | $ 120,000 |
| Orleans County Louisiana | 1 | $ 345,000 | $ 345,000 | $ 102,000 |
| Isabella County Michigan | 1 | $ 355,000 | $ 355,000 | $ 305,000 |
| Rankin County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Jasper County Missouri | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Lawrence County Missouri | 1 | $ 45,000 | $ 45,000 | $ 74,000 |
| McDonald County Missouri | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Mercer County Missouri | 1 | $ 145,000 | $ 145,000 | $ 70,000 |
| Platte County Missouri | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Taney County Missouri | 1 | $ 65,000 | $ 65,000 | $ 114,000 |
| Chaves County New Mexico | 1 | $ 245,000 | $ 245,000 | $ 169,000 |
| Moore County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Atoka County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Beckham County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 74,000 |
| Cleveland County Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 86,000 |
| Lincoln County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 178,000 |
| McClain County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
| Sequoyah County Oklahoma | 1 | $ 235,000 | $ 235,000 | $ 103,000 |
| Lane County Oregon | 1 | $ 365,000 | $ 365,000 | $ 250,000 |
| Union County South Dakota | 1 | $ 175,000 | $ 175,000 | $ 111,000 |
| Gibson County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Henry County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 147,000 |
| Montgomery County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Fannin County Texas | 1 | $ 105,000 | $ 105,000 | $ 74,000 |
| Gray County Texas | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| Grayson County Texas | 1 | $ 295,000 | $ 295,000 | $ 221,000 |
| Gregg County Texas | 1 | $ 175,000 | $ 175,000 | $ 134,000 |
| Hardin County Texas | 1 | $ 385,000 | $ 385,000 | $ 198,000 |
| Houston County Texas | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| Jefferson County Texas | 1 | $ 315,000 | $ 315,000 | $ 290,000 |
| Midland County Texas | 1 | $ 265,000 | $ 265,000 | $ 126,000 |
| Newton County Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Rockwall County Texas | 1 | $ 205,000 | $ 205,000 | $ 131,000 |
| Walker County Texas | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Waller County Texas | 1 | $ 305,000 | $ 305,000 | $ 240,000 |
| Washington County Texas | 1 | $ 465,000 | $ 465,000 | $ 300,000 |
| Williamson County Texas | 1 | $ 205,000 | $ 205,000 | $ 132,000 |
| Wilson County Texas | 1 | $ 205,000 | $ 205,000 | $ 104,000 |
| Utah County Utah | 1 | $ 335,000 | $ 335,000 | $ 200,000 |
| Pierce County Washington | 1 | $ 75,000 | $ 75,000 | $ 177,000 |
| Price County 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.
For a list of all lenders in Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.