Truity Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Truity Federal Credit Union 2022 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 | 894 |
| Total Mortgage Loan Application Amount | $218,260,000 |
| Average Mortgage Loan Application Amount | $194,800 |
| Highest Mortgage Loan Application Amount | $9,955,000 |
| Average Applicant Income | $124,800 |
| Highest Applicant Income | $864,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 182 | $ 38,380,000 | $ 210,000 | $ 97,000 |
| Douglas County Kansas | 169 | $ 38,005,000 | $ 224,000 | $ 120,000 |
| Tulsa County Oklahoma | 32 | $ 6,950,000 | $ 217,000 | $ 141,000 |
| Harris County Texas | 29 | $ 8,575,000 | $ 295,000 | $ 218,000 |
| Fort Bend County Texas | 28 | $ 9,990,000 | $ 356,000 | $ 269,000 |
| Washington County Arkansas | 21 | $ 5,375,000 | $ 255,000 | $ 140,000 |
| Johnson County Kansas | 16 | $ 5,260,000 | $ 328,000 | $ 123,000 |
| Benton County Arkansas | 14 | $ 2,400,000 | $ 171,000 | $ 117,000 |
| Osage County Oklahoma | 12 | $ 2,860,000 | $ 238,000 | $ 93,000 |
| Jefferson County Kansas | 11 | $ 1,765,000 | $ 160,000 | $ 77,000 |
| Midland County Texas | 11 | $ 4,575,000 | $ 415,000 | $ 192,000 |
| Anchorage County Alaska | 10 | $ 5,730,000 | $ 573,000 | $ 318,000 |
| Leavenworth County Kansas | 10 | $ 3,020,000 | $ 302,000 | $ 106,000 |
| Shawnee County Kansas | 10 | $ 1,800,000 | $ 180,000 | $ 105,000 |
| Jackson County Missouri | 7 | $ 1,615,000 | $ 230,000 | $ 115,000 |
| Nowata County Oklahoma | 6 | $ 630,000 | $ 105,000 | $ 70,000 |
| Carroll County Arkansas | 5 | $ 1,095,000 | $ 219,000 | $ 95,000 |
| Cleveland County Oklahoma | 5 | $ 1,365,000 | $ 273,000 | $ 125,000 |
| Oklahoma County Oklahoma | 5 | $ 605,000 | $ 121,000 | $ 93,000 |
| Eddy County New Mexico | 4 | $ 950,000 | $ 237,000 | $ 87,000 |
| Delaware County Oklahoma | 4 | $ 1,360,000 | $ 340,000 | $ 190,000 |
| Rogers County Oklahoma | 4 | $ 980,000 | $ 245,000 | $ 106,000 |
| Brazoria County Texas | 4 | $ 910,000 | $ 227,000 | $ 226,000 |
| Montgomery County Texas | 4 | $ 910,000 | $ 227,000 | $ 143,000 |
| Orange County Florida | 3 | $ 795,000 | $ 265,000 | $ 55,000 |
| Madison County Illinois | 3 | $ 1,065,000 | $ 355,000 | $ 159,000 |
| Franklin County Kansas | 3 | $ 355,000 | $ 118,000 | $ 93,000 |
| Greene County Missouri | 3 | $ 505,000 | $ 168,000 | $ 73,000 |
| Canadian County Oklahoma | 3 | $ 515,000 | $ 171,000 | $ 56,000 |
| Kay County Oklahoma | 3 | $ 635,000 | $ 211,000 | $ 190,000 |
| Davidson County Tennessee | 3 | $ 1,865,000 | $ 621,000 | $ 353,000 |
| Tarrant County Texas | 3 | $ 725,000 | $ 241,000 | $ 120,000 |
| Whatcom County Washington | 3 | $ 1,405,000 | $ 468,000 | $ 189,000 |
| Pima County Arizona | 2 | $ 720,000 | $ 360,000 | $ 266,000 |
| Pike County Arkansas | 2 | $ 1,270,000 | $ 635,000 | $ 592,000 |
| White County Arkansas | 2 | $ 170,000 | $ 85,000 | $ 121,000 |
| Orange County California | 2 | $ 1,420,000 | $ 710,000 | $ 305,000 |
| Jefferson County Colorado | 2 | $ 90,000 | $ 45,000 | $ 130,000 |
| Routt County Colorado | 2 | $ 2,830,000 | $ 1,415,000 | $ 700,000 |
| Hillsborough County Florida | 2 | $ 820,000 | $ 410,000 | $ 190,000 |
| Cook County Illinois | 2 | $ 750,000 | $ 375,000 | $ 0 |
| Montgomery County Kansas | 2 | $ 50,000 | $ 25,000 | $ 109,000 |
| Osage County Kansas | 2 | $ 500,000 | $ 250,000 | $ 202,000 |
| Sedgwick County Kansas | 2 | $ 830,000 | $ 415,000 | $ 141,000 |
| Montgomery County Maryland | 2 | $ 110,000 | $ 55,000 | $ 101,000 |
| Clay County Missouri | 2 | $ 440,000 | $ 220,000 | $ 179,000 |
| Platte County Missouri | 2 | $ 950,000 | $ 475,000 | $ 64,000 |
| Collin County Texas | 2 | $ 200,000 | $ 100,000 | $ 82,000 |
| Dallas County Texas | 2 | $ 490,000 | $ 245,000 | $ 210,000 |
| Hutchinson County Texas | 2 | $ 250,000 | $ 125,000 | $ 97,000 |
| Panola County Texas | 2 | $ 310,000 | $ 155,000 | $ 109,000 |
| Waller County Texas | 2 | $ 790,000 | $ 395,000 | $ 140,000 |
| Wilson County Texas | 2 | $ 800,000 | $ 400,000 | $ 122,000 |
| Albany County Wyoming | 2 | $ 750,000 | $ 375,000 | $ 150,000 |
| Maricopa County Arizona | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Madison County Arkansas | 1 | $ 165,000 | $ 165,000 | $ 226,000 |
| Yell County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Monterey County California | 1 | $ 115,000 | $ 115,000 | $ 73,000 |
| Solano County California | 1 | $ 645,000 | $ 645,000 | $ 158,000 |
| Tuolumne County California | 1 | $ 445,000 | $ 445,000 | $ 183,000 |
| Adams County Colorado | 1 | $ 385,000 | $ 385,000 | $ 163,000 |
| Costilla County Colorado | 1 | $ 205,000 | $ 205,000 | $ 129,000 |
| Douglas County Colorado | 1 | $ 645,000 | $ 645,000 | $ 220,000 |
| Larimer County Colorado | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Pitkin County Colorado | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Pasco County Florida | 1 | $ 1,085,000 | $ 1,085,000 | $ 559,000 |
| Sarasota County Florida | 1 | $ 525,000 | $ 525,000 | $ 133,000 |
| Fulton County Georgia | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Paulding County Georgia | 1 | $ 115,000 | $ 115,000 | $ 87,000 |
| Union County Georgia | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Winnebago County Illinois | 1 | $ 245,000 | $ 245,000 | $ 149,000 |
| Lee County Iowa | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Cowley County Kansas | 1 | $ 45,000 | $ 45,000 | $ 72,000 |
| Harvey County Kansas | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Jackson County Kansas | 1 | $ 305,000 | $ 305,000 | $ 129,000 |
| Lyon County Kansas | 1 | $ 35,000 | $ 35,000 | $ 18,000 |
| Miami County Kansas | 1 | $ 605,000 | $ 605,000 | $ 401,000 |
| Neosho County Kansas | 1 | $ 25,000 | $ 25,000 | $ 143,000 |
| Pottawatomie County Kansas | 1 | $ 275,000 | $ 275,000 | $ 136,000 |
| Wyandotte County Kansas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| St. Tammany County Louisiana | 1 | $ 395,000 | $ 395,000 | $ 121,000 |
| Baltimore County Maryland | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Manistee County Michigan | 1 | $ 315,000 | $ 315,000 | $ 303,000 |
| Montgomery County Mississippi | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Yalobusha County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Jefferson County Missouri | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Livingston County Missouri | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Stoddard County Missouri | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Warren County Missouri | 1 | $ 295,000 | $ 295,000 | $ 197,000 |
| Yellowstone County Montana | 1 | $ 155,000 | $ 155,000 | $ 120,000 |
| Saunders County Nebraska | 1 | $ 265,000 | $ 265,000 | $ 144,000 |
| Clark County Nevada | 1 | $ 275,000 | $ 275,000 | $ 141,000 |
| Anson County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Harnett County North Carolina | 1 | $ 465,000 | $ 465,000 | $ 176,000 |
| Polk County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 384,000 |
| Beaver County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Grant County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 74,000 |
| Kingfisher County Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 108,000 |
| Mayes County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 0 |
| McClain County Oklahoma | 1 | $ 345,000 | $ 345,000 | $ 239,000 |
| McCurtain County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 106,000 |
| Okmulgee County Oklahoma | 1 | $ 395,000 | $ 395,000 | $ 121,000 |
| Payne County Oklahoma | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Wagoner County Oklahoma | 1 | $ 215,000 | $ 215,000 | $ 110,000 |
| Beaufort County South Carolina | 1 | $ 315,000 | $ 315,000 | $ 85,000 |
| Blount County Tennessee | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Cheatham County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Dickson County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Gibson County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 90,000 |
| Aransas County Texas | 1 | $ 165,000 | $ 165,000 | $ 340,000 |
| Bexar County Texas | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Chambers County Texas | 1 | $ 285,000 | $ 285,000 | $ 210,000 |
| Galveston County Texas | 1 | $ 255,000 | $ 255,000 | $ 228,000 |
| Jefferson County Texas | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Llano County Texas | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Polk County Texas | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Potter County Texas | 1 | $ 485,000 | $ 485,000 | $ 189,000 |
| Randall County Texas | 1 | $ 245,000 | $ 245,000 | $ 164,000 |
| Red River County Texas | 1 | $ 325,000 | $ 325,000 | $ 252,000 |
| Taylor County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Travis County Texas | 1 | $ 605,000 | $ 605,000 | $ 222,000 |
| Williamson County Texas | 1 | $ 245,000 | $ 245,000 | $ 66,000 |
| Wise County Texas | 1 | $ 255,000 | $ 255,000 | $ 132,000 |
| Accomack County Virginia | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Henrico County Virginia | 1 | $ 305,000 | $ 305,000 | $ 110,000 |
| Pierce County Washington | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Rock County Wisconsin | 1 | $ 275,000 | $ 275,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Truity Federal Credit Union in 2022
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 | 592 | $164,830,000 | $278,000 | $2,185,000 | $139,000 | $778,000 |
| Other Purpose | 101 | $26,525,000 | $262,000 | $9,955,000 | $117,000 | $304,000 |
| Home Improvement | 86 | $6,280,000 | $73,000 | $335,000 | $148,000 | $864,000 |
| Cash-out Refinancing | 68 | $11,740,000 | $172,000 | $365,000 | $96,000 | $292,000 |
| Refinancing | 47 | $8,885,000 | $189,000 | $645,000 | $124,000 | $439,000 |
| 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 | 632 | $145,820,000 | $230,000 | $2,185,000 | $132,000 | $778,000 |
| Not Provided | 82 | $19,200,000 | $234,000 | $805,000 | $142,000 | $644,000 |
| Hispanic | 61 | $14,565,000 | $238,000 | $865,000 | $150,000 | $481,000 |
| American Indian or Alaskan Native | 46 | $6,700,000 | $145,000 | $465,000 | $94,000 | $303,000 |
| Black or African American | 31 | $8,065,000 | $260,000 | $675,000 | $187,000 | $864,000 |
| Not applicable | 20 | $17,270,000 | $863,000 | $9,955,000 | $0 | $0 |
| Asian | 18 | $5,570,000 | $309,000 | $645,000 | $136,000 | $205,000 |
| 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) | 894 | $218,260,000 | $244,000 | $9,955,000 | $133,000 | $864,000 |
| 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 | 504 | $136,620,000 | $271,000 | $9,955,000 | $139,000 | $778,000 |
| Application Denied By Financial Institution | 207 | $36,145,000 | $174,000 | $675,000 | $63,000 | $299,000 |
| Application Withdrawn By Applicant | 126 | $33,410,000 | $265,000 | $805,000 | $0 | $0 |
| File Closed For Incompleteness | 44 | $9,840,000 | $223,000 | $835,000 | $235,000 | $864,000 |
| Application Approved But Not Accepted | 13 | $2,245,000 | $172,000 | $485,000 | $135,000 | $272,000 |
| 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 | 687 | $182,115,000 | $265,000 | $9,955,000 | $140,000 | $864,000 |
| Debt-To-Income Ratio | 119 | $22,105,000 | $185,000 | $675,000 | $57,000 | $299,000 |
| Credit History | 78 | $12,230,000 | $156,000 | $505,000 | $190,000 | $190,000 |
| Employment History | 4 | $940,000 | $235,000 | $435,000 | $104,000 | $130,000 |
| Other | 3 | $225,000 | $75,000 | $125,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $320,000 | $160,000 | $245,000 | $0 | $0 |
| Unverifiable Information | 1 | $325,000 | $325,000 | $325,000 | $76,000 | $76,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2022 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.