Truity Federal Credit Union Mortgage Lending & HMDA Data, 2021

In 2021, Truity Federal Credit Union of Bartlesville, OK reported 1,577 mortgage applications totaling $375.6 million, down 13% from 2020. The average application was for $238,157, and applicants reported an average income of $134,388. 69% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Lawrence, KS (484), Houston-The Woodlands-Sugar Land, TX (119) and Fayetteville-Springdale-Rogers, AR-MO (83) (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 1,577
Total Mortgage Loan Application Amount $375,575,000
Average Mortgage Loan Application Amount $238,157
Highest Mortgage Loan Application Amount $4,715,000
Average Applicant Income $134,388
Highest Applicant Income $1,046,000

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records Truity Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Douglas, Kansas 484 $ 103,430,000 $ 213,698 $ 109,000
Washington, Oklahoma 277 $ 43,375,000 $ 156,588 $ 98,000
Harris, Texas 75 $ 27,825,000 $ 371,000 $ 285,000
Tulsa, Oklahoma 49 $ 11,505,000 $ 234,795 $ 106,000
Benton, Arkansas 48 $ 14,950,000 $ 311,458 $ 244,000
Johnson, Kansas 42 $ 11,710,000 $ 278,809 $ 175,000
Washington, Arkansas 32 $ 6,980,000 $ 218,125 $ 120,000
Fort Bend, Texas 31 $ 11,465,000 $ 369,838 $ 207,000
Shawnee, Kansas 26 $ 3,790,000 $ 145,769 $ 83,000
Jefferson, Kansas 21 $ 3,925,000 $ 186,904 $ 89,000
Osage, Oklahoma 19 $ 3,615,000 $ 190,263 $ 136,000
Anchorage, Alaska 18 $ 9,690,000 $ 538,333 $ 298,000
Jackson, Missouri 16 $ 2,720,000 $ 170,000 $ 115,000
Midland, Texas 14 $ 5,220,000 $ 372,857 $ 160,000
Leavenworth, Kansas 11 $ 4,255,000 $ 386,818 $ 167,000
Franklin, Kansas 10 $ 1,000,000 $ 100,000 $ 101,000
Oklahoma, Oklahoma 10 $ 2,560,000 $ 256,000 $ 186,000
Delaware, Oklahoma 9 $ 3,385,000 $ 376,111 $ 212,000
Montgomery, Kansas 8 $ 810,000 $ 101,250 $ 107,000
Jefferson, Colorado 6 $ 2,580,000 $ 430,000 $ 202,000
Wyandotte, Kansas 6 $ 1,350,000 $ 225,000 $ 91,000
Eddy, New Mexico 6 $ 1,710,000 $ 285,000 $ 104,000
Montgomery, Texas 6 $ 2,170,000 $ 361,666 $ 182,000
Maricopa, Arizona 5 $ 3,235,000 $ 647,000 $ 271,000
Contra Costa, California 5 $ 2,515,000 $ 503,000 $ 240,000
Rogers, Oklahoma 5 $ 975,000 $ 195,000 $ 136,000
Randall, Texas 5 $ 1,495,000 $ 299,000 $ 106,000
Waller, Texas 5 $ 1,825,000 $ 365,000 $ 187,000
El Paso, Colorado 4 $ 1,320,000 $ 330,000 $ 151,000
Fulton, Georgia 4 $ 1,610,000 $ 402,500 $ 329,000
Osage, Kansas 4 $ 680,000 $ 170,000 $ 80,000
Stark, North Dakota 4 $ 1,310,000 $ 327,500 $ 226,000
Nowata, Oklahoma 4 $ 580,000 $ 145,000 $ 57,000
Hutchinson, Texas 4 $ 820,000 $ 205,000 $ 127,000
Potter, Texas 4 $ 1,120,000 $ 280,000 $ 117,000
Matanuska-Susitna, Alaska 3 $ 1,495,000 $ 498,333 $ 167,000
Madison, Arkansas 3 $ 405,000 $ 135,000 $ 218,000
Pope, Arkansas 3 $ 415,000 $ 138,333 $ 192,000
Anderson, Kansas 3 $ 675,000 $ 225,000 $ 109,000
Miami, Kansas 3 $ 615,000 $ 205,000 $ 97,000
Neosho, Kansas 3 $ 715,000 $ 238,333 $ 82,000
Yellowstone, Montana 3 $ 1,045,000 $ 348,333 $ 165,000
Wagoner, Oklahoma 3 $ 835,000 $ 278,333 $ 105,000
Davidson, Tennessee 3 $ 3,945,000 $ 1,315,000 $ 225,000
Hamilton, Tennessee 3 $ 1,495,000 $ 498,333 $ 267,000
Dallas, Texas 3 $ 575,000 $ 191,666 $ 220,000
Travis, Texas 3 $ 1,245,000 $ 415,000 $ 325,000
Wilson, Texas 3 $ 1,265,000 $ 421,666 $ 145,000
Carroll, Arkansas 2 $ 240,000 $ 120,000 $ 105,000
Garland, Arkansas 2 $ 720,000 $ 360,000 $ 0
Los Angeles, California 2 $ 730,000 $ 365,000 $ 245,000
Orange, California 2 $ 1,210,000 $ 605,000 $ 256,000
Adams, Colorado 2 $ 550,000 $ 275,000 $ 115,000
Douglas, Colorado 2 $ 1,120,000 $ 560,000 $ 347,000
Grand, Colorado 2 $ 1,270,000 $ 635,000 $ 333,000
Larimer, Colorado 2 $ 1,270,000 $ 635,000 $ 0
Madison, Illinois 2 $ 480,000 $ 240,000 $ 138,000
Black Hawk, Iowa 2 $ 590,000 $ 295,000 $ 265,000
Linn, Iowa 2 $ 510,000 $ 255,000 $ 94,000
Crawford, Kansas 2 $ 240,000 $ 120,000 $ 72,000
Reno, Kansas 2 $ 170,000 $ 85,000 $ 80,000
Calcasieu, Louisiana 2 $ 660,000 $ 330,000 $ 143,000
Camden, Missouri 2 $ 650,000 $ 325,000 $ 179,000
Clay, Missouri 2 $ 730,000 $ 365,000 $ 172,000
San Juan, New Mexico 2 $ 730,000 $ 365,000 $ 147,000
Kay, Oklahoma 2 $ 150,000 $ 75,000 $ 174,000
Payne, Oklahoma 2 $ 650,000 $ 325,000 $ 134,000
Pickens, South Carolina 2 $ 1,370,000 $ 685,000 $ 397,000
Montgomery, Tennessee 2 $ 240,000 $ 120,000 $ 45,000
Hood, Texas 2 $ 1,240,000 $ 620,000 $ 144,000
Jefferson, Texas 2 $ 480,000 $ 240,000 $ 218,000
Tarrant, Texas 2 $ 530,000 $ 265,000 $ 92,000
Colbert, Alabama 1 $ 125,000 $ 125,000 $ 360,000
Etowah, Alabama 1 $ 145,000 $ 145,000 $ 119,000
Morgan, Alabama 1 $ 385,000 $ 385,000 $ 360,000
Tuscaloosa, Alabama 1 $ 285,000 $ 285,000 $ 360,000
Pinal, Arizona 1 $ 305,000 $ 305,000 $ 126,000
Baxter, Arkansas 1 $ 15,000 $ 15,000 $ 0
Pike, Arkansas 1 $ 125,000 $ 125,000 $ 59,000
Pulaski, Arkansas 1 $ 145,000 $ 145,000 $ 0
Saline, Arkansas 1 $ 125,000 $ 125,000 $ 0
Sebastian, Arkansas 1 $ 115,000 $ 115,000 $ 212,000
San Mateo, California 1 $ 765,000 $ 765,000 $ 225,000
Las Animas, Colorado 1 $ 245,000 $ 245,000 $ 96,000
Mesa, Colorado 1 $ 235,000 $ 235,000 $ 52,000
Sarasota, Florida 1 $ 485,000 $ 485,000 $ 142,000
Volusia, Florida 1 $ 505,000 $ 505,000 $ 120,000
Walton, Florida 1 $ 475,000 $ 475,000 $ 64,000
Carroll, Georgia 1 $ 205,000 $ 205,000 $ 289,000
DeKalb, Georgia 1 $ 195,000 $ 195,000 $ 143,000
Forsyth, Georgia 1 $ 285,000 $ 285,000 $ 196,000
Gilmer, Georgia 1 $ 195,000 $ 195,000 $ 83,000
Blaine, Idaho 1 $ 385,000 $ 385,000 $ 302,000
Cook, Illinois 1 $ 805,000 $ 805,000 $ 179,000
Johnson, Iowa 1 $ 65,000 $ 65,000 $ 0
Polk, Iowa 1 $ 275,000 $ 275,000 $ 0
Woodbury, Iowa 1 $ 425,000 $ 425,000 $ 350,000
Allen, Kansas 1 $ 165,000 $ 165,000 $ 0
Atchison, Kansas 1 $ 305,000 $ 305,000 $ 190,000
Butler, Kansas 1 $ 315,000 $ 315,000 $ 0
Chautauqua, Kansas 1 $ 165,000 $ 165,000 $ 120,000
Harvey, Kansas 1 $ 55,000 $ 55,000 $ 0
Jackson, Kansas 1 $ 255,000 $ 255,000 $ 170,000
Labette, Kansas 1 $ 85,000 $ 85,000 $ 63,000
Lyon, Kansas 1 $ 315,000 $ 315,000 $ 0
Morris, Kansas 1 $ 95,000 $ 95,000 $ 0
Pottawatomie, Kansas 1 $ 305,000 $ 305,000 $ 0
Riley, Kansas 1 $ 105,000 $ 105,000 $ 19,000
Saline, Kansas 1 $ 305,000 $ 305,000 $ 229,000
Sedgwick, Kansas 1 $ 265,000 $ 265,000 $ 115,000
Sumner, Kansas 1 $ 105,000 $ 105,000 $ 50,000
Wilson, Kansas 1 $ 75,000 $ 75,000 $ 93,000
Woodson, Kansas 1 $ 75,000 $ 75,000 $ 57,000
Hickman, Kentucky 1 $ 155,000 $ 155,000 $ 83,000
Jefferson, Kentucky 1 $ 135,000 $ 135,000 $ 123,000
Orleans, Louisiana 1 $ 305,000 $ 305,000 $ 0
Tangipahoa, Louisiana 1 $ 315,000 $ 315,000 $ 129,000
Isabella, Michigan 1 $ 355,000 $ 355,000 $ 195,000
Wayne, Michigan 1 $ 55,000 $ 55,000 $ 0
Hennepin, Minnesota 1 $ 545,000 $ 545,000 $ 225,000
Rankin, Mississippi 1 $ 365,000 $ 365,000 $ 136,000
Buchanan, Missouri 1 $ 115,000 $ 115,000 $ 44,000
Jasper, Missouri 1 $ 115,000 $ 115,000 $ 52,000
Lafayette, Missouri 1 $ 145,000 $ 145,000 $ 0
Livingston, Missouri 1 $ 145,000 $ 145,000 $ 65,000
Miller, Missouri 1 $ 365,000 $ 365,000 $ 126,000
Platte, Missouri 1 $ 125,000 $ 125,000 $ 148,000
Stone, Missouri 1 $ 65,000 $ 65,000 $ 362,000
Douglas, Nebraska 1 $ 105,000 $ 105,000 $ 191,000
Washoe, Nevada 1 $ 205,000 $ 205,000 $ 137,000
Middlesex, New Jersey 1 $ 215,000 $ 215,000 $ 115,000
Bernalillo, New Mexico 1 $ 195,000 $ 195,000 $ 75,000
Colfax, New Mexico 1 $ 265,000 $ 265,000 $ 164,000
Taos, New Mexico 1 $ 285,000 $ 285,000 $ 91,000
Catawba, North Carolina 1 $ 405,000 $ 405,000 $ 352,000
Davie, North Carolina 1 $ 175,000 $ 175,000 $ 158,000
Adair, Oklahoma 1 $ 205,000 $ 205,000 $ 88,000
Canadian, Oklahoma 1 $ 145,000 $ 145,000 $ 76,000
Carter, Oklahoma 1 $ 385,000 $ 385,000 $ 150,000
Cleveland, Oklahoma 1 $ 265,000 $ 265,000 $ 156,000
Creek, Oklahoma 1 $ 175,000 $ 175,000 $ 0
Jackson, Oklahoma 1 $ 45,000 $ 45,000 $ 0
McCurtain, Oklahoma 1 $ 25,000 $ 25,000 $ 0
Muskogee, Oklahoma 1 $ 125,000 $ 125,000 $ 94,000
Pawnee, Oklahoma 1 $ 55,000 $ 55,000 $ 0
Sequoyah, Oklahoma 1 $ 125,000 $ 125,000 $ 0
Stephens, Oklahoma 1 $ 185,000 $ 185,000 $ 0
Marion, Oregon 1 $ 265,000 $ 265,000 $ 216,000
Lancaster, Pennsylvania 1 $ 125,000 $ 125,000 $ 48,000
Charleston, South Carolina 1 $ 255,000 $ 255,000 $ 108,000
Dickson, Tennessee 1 $ 455,000 $ 455,000 $ 224,000
Gibson, Tennessee 1 $ 265,000 $ 265,000 $ 88,000
McMinn, Tennessee 1 $ 105,000 $ 105,000 $ 114,000
Rutherford, Tennessee 1 $ 215,000 $ 215,000 $ 132,000
Bexar, Texas 1 $ 295,000 $ 295,000 $ 72,000
Brazoria, Texas 1 $ 175,000 $ 175,000 $ 89,000
Brazos, Texas 1 $ 45,000 $ 45,000 $ 37,000
Brown, Texas 1 $ 265,000 $ 265,000 $ 194,000
Collin, Texas 1 $ 365,000 $ 365,000 $ 110,000
Denton, Texas 1 $ 255,000 $ 255,000 $ 70,000
Ector, Texas 1 $ 355,000 $ 355,000 $ 217,000
Galveston, Texas 1 $ 55,000 $ 55,000 $ 172,000
Guadalupe, Texas 1 $ 165,000 $ 165,000 $ 167,000
Houston, Texas 1 $ 195,000 $ 195,000 $ 192,000
Live Oak, Texas 1 $ 255,000 $ 255,000 $ 129,000
Llano, Texas 1 $ 455,000 $ 455,000 $ 0
Navarro, Texas 1 $ 215,000 $ 215,000 $ 0
Polk, Texas 1 $ 505,000 $ 505,000 $ 0
Red River, Texas 1 $ 165,000 $ 165,000 $ 80,000
San Patricio, Texas 1 $ 275,000 $ 275,000 $ 192,000
Webb, Texas 1 $ 225,000 $ 225,000 $ 79,000
Wharton, Texas 1 $ 205,000 $ 205,000 $ 143,000
Wood, Texas 1 $ 75,000 $ 75,000 $ 0
Summit, Utah 1 $ 375,000 $ 375,000 $ 152,000
Henrico, Virginia 1 $ 315,000 $ 315,000 $ 0
Prince William, Virginia 1 $ 535,000 $ 535,000 $ 278,000
King, Washington 1 $ 545,000 $ 545,000 $ 165,000
Brown, Wisconsin 1 $ 175,000 $ 175,000 $ 62,000
Outagamie, Wisconsin 1 $ 405,000 $ 405,000 $ 170,000
Fremont, Wyoming 1 $ 355,000 $ 355,000 $ 118,000

Mortgage Loan Application Detail Totals for Truity Federal Credit Union in 2021

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 791 $208,765,000 $263,000 $4,715,000 $134,000 $1,046,000
Refinancing 407 $91,015,000 $223,000 $1,495,000 $150,000 $792,000
Cash-out Refinancing 241 $49,465,000 $205,000 $805,000 $115,000 $554,000
Other Purpose 95 $21,965,000 $231,000 $1,705,000 $145,000 $438,000
Home Improvement 43 $4,365,000 $101,000 $375,000 $79,000 $200,000
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 1,178 $278,080,000 $236,000 $1,815,000 $134,000 $1,046,000
Not Provided 156 $36,210,000 $232,000 $1,705,000 $163,000 $792,000
Hispanic 66 $15,020,000 $227,000 $945,000 $111,000 $535,000
American Indian or Alaskan Native 64 $10,060,000 $157,000 $445,000 $85,000 $352,000
Asian 53 $15,045,000 $283,000 $835,000 $158,000 $399,000
Black or African American 43 $9,835,000 $228,000 $555,000 $120,000 $240,000
Not applicable 11 $9,345,000 $849,000 $4,715,000 $0 $0
Native Hawaiian or Other Pacific Islander 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) 1,577 $375,575,000 $238,000 $4,715,000 $135,000 $1,046,000
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 1,090 $272,030,000 $249,000 $4,715,000 $141,000 $1,046,000
Application Withdrawn By Applicant 220 $52,900,000 $240,000 $1,525,000 $290,000 $290,000
Application Denied By Financial Institution 199 $35,315,000 $177,000 $1,135,000 $56,000 $222,000
File Closed For Incompleteness 53 $11,535,000 $217,000 $1,205,000 $135,000 $356,000
Application Approved But Not Accepted 15 $3,795,000 $253,000 $955,000 $159,000 $267,000
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 1,378 $340,260,000 $246,000 $4,715,000 $142,000 $1,046,000
Debt-To-Income Ratio 102 $20,380,000 $199,000 $1,135,000 $56,000 $222,000
Credit History 76 $11,370,000 $149,000 $705,000 $0 $0
Collateral 8 $1,520,000 $190,000 $545,000 $0 $0
Employment History 6 $860,000 $143,000 $245,000 $44,000 $74,000
Unverifiable Information 4 $830,000 $207,000 $245,000 $70,000 $96,000
Insufficient Cash (Downpayment, Closing Cost) 1 $75,000 $75,000 $75,000 $0 $0
Credit Application Incomplete 1 $105,000 $105,000 $105,000 $0 $0
Other 1 $175,000 $175,000 $175,000 $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 2021 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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