Truity Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Truity Federal Credit Union 2023 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 | 771 |
| Total Mortgage Loan Application Amount | $188,045,000 |
| Average Mortgage Loan Application Amount | $202,800 |
| Highest Mortgage Loan Application Amount | $19,715,000 |
| Average Applicant Income | $133,400 |
| Highest Applicant Income | $2,037,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 177 | $ 52,935,000 | $ 299,000 | $ 122,000 |
| Washington County Oklahoma | 173 | $ 28,685,000 | $ 165,000 | $ 111,000 |
| Harris County Texas | 35 | $ 11,875,000 | $ 339,000 | $ 227,000 |
| Tulsa County Oklahoma | 18 | $ 4,290,000 | $ 238,000 | $ 172,000 |
| Shawnee County Kansas | 17 | $ 3,225,000 | $ 189,000 | $ 116,000 |
| Osage County Oklahoma | 14 | $ 3,010,000 | $ 215,000 | $ 172,000 |
| Fort Bend County Texas | 14 | $ 3,710,000 | $ 265,000 | $ 210,000 |
| Midland County Texas | 11 | $ 4,385,000 | $ 398,000 | $ 217,000 |
| Jackson County Missouri | 9 | $ 1,575,000 | $ 175,000 | $ 77,000 |
| Washington County Arkansas | 8 | $ 1,540,000 | $ 192,000 | $ 173,000 |
| Rogers County Oklahoma | 8 | $ 2,040,000 | $ 255,000 | $ 178,000 |
| Anchorage County Alaska | 7 | $ 5,285,000 | $ 755,000 | $ 283,000 |
| Johnson County Kansas | 7 | $ 2,275,000 | $ 325,000 | $ 228,000 |
| Benton County Arkansas | 6 | $ 1,590,000 | $ 265,000 | $ 147,000 |
| Franklin County Kansas | 6 | $ 440,000 | $ 73,000 | $ 98,000 |
| Leavenworth County Kansas | 6 | $ 580,000 | $ 96,000 | $ 269,000 |
| Oklahoma County Oklahoma | 6 | $ 2,160,000 | $ 360,000 | $ 224,000 |
| Sedgwick County Kansas | 5 | $ 765,000 | $ 153,000 | $ 140,000 |
| Flathead County Montana | 5 | $ 2,675,000 | $ 535,000 | $ 418,000 |
| Nowata County Oklahoma | 5 | $ 755,000 | $ 151,000 | $ 93,000 |
| Maricopa County Arizona | 4 | $ 1,070,000 | $ 267,000 | $ 233,000 |
| Osage County Kansas | 4 | $ 1,000,000 | $ 250,000 | $ 114,000 |
| Clay County Missouri | 4 | $ 460,000 | $ 115,000 | $ 119,000 |
| Creek County Oklahoma | 4 | $ 1,120,000 | $ 280,000 | $ 179,000 |
| Delaware County Oklahoma | 4 | $ 1,640,000 | $ 410,000 | $ 246,000 |
| Brazoria County Texas | 4 | $ 1,480,000 | $ 370,000 | $ 249,000 |
| Kern County California | 3 | $ 345,000 | $ 115,000 | $ 94,000 |
| Montgomery County Kansas | 3 | $ 175,000 | $ 58,000 | $ 56,000 |
| Wyandotte County Kansas | 3 | $ 325,000 | $ 108,000 | $ 95,000 |
| Hutchinson County Texas | 3 | $ 595,000 | $ 198,000 | $ 207,000 |
| Sebastian County Arkansas | 2 | $ 270,000 | $ 135,000 | $ 195,000 |
| Riley County Kansas | 2 | $ 1,170,000 | $ 585,000 | $ 221,000 |
| Douglas County Missouri | 2 | $ 230,000 | $ 115,000 | $ 56,000 |
| Yellowstone County Montana | 2 | $ 1,250,000 | $ 625,000 | $ 258,000 |
| Eddy County New Mexico | 2 | $ 680,000 | $ 340,000 | $ 176,000 |
| Monroe County New York | 2 | $ 310,000 | $ 155,000 | $ 503,000 |
| Union County North Carolina | 2 | $ 380,000 | $ 190,000 | $ 365,000 |
| Stark County North Dakota | 2 | $ 810,000 | $ 405,000 | $ 208,000 |
| Beckham County Oklahoma | 2 | $ 930,000 | $ 465,000 | $ 349,000 |
| Cherokee County Oklahoma | 2 | $ 140,000 | $ 70,000 | $ 42,000 |
| McIntosh County Oklahoma | 2 | $ 750,000 | $ 375,000 | $ 89,000 |
| DeWitt County Texas | 2 | $ 260,000 | $ 130,000 | $ 117,000 |
| Montgomery County Texas | 2 | $ 420,000 | $ 210,000 | $ 221,000 |
| Orange County Texas | 2 | $ 380,000 | $ 190,000 | $ 269,000 |
| Parker County Texas | 2 | $ 940,000 | $ 470,000 | $ 322,000 |
| Waller County Texas | 2 | $ 1,370,000 | $ 685,000 | $ 374,000 |
| Arkansas County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 112,000 |
| Clark County Arkansas | 1 | $ 145,000 | $ 145,000 | $ 89,000 |
| Crawford County Arkansas | 1 | $ 265,000 | $ 265,000 | $ 170,000 |
| Faulkner County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 111,000 |
| Lincoln County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 53,000 |
| Madison County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Yell County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 74,000 |
| Adams County Colorado | 1 | $ 45,000 | $ 45,000 | $ 21,000 |
| Arapahoe County Colorado | 1 | $ 735,000 | $ 735,000 | $ 448,000 |
| Denver County Colorado | 1 | $ 15,000 | $ 15,000 | $ 73,000 |
| Douglas County Colorado | 1 | $ 255,000 | $ 255,000 | $ 72,000 |
| Jefferson County Colorado | 1 | $ 625,000 | $ 625,000 | $ 224,000 |
| Mesa County Colorado | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Lake County Florida | 1 | $ 305,000 | $ 305,000 | $ 132,000 |
| Manatee County Florida | 1 | $ 695,000 | $ 695,000 | $ 355,000 |
| Orange County Florida | 1 | $ 105,000 | $ 105,000 | $ 68,000 |
| Sarasota County Florida | 1 | $ 1,215,000 | $ 1,215,000 | $ 394,000 |
| Walton County Florida | 1 | $ 775,000 | $ 775,000 | $ 329,000 |
| Clark County Indiana | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Polk County Iowa | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Pottawattamie County Iowa | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Anderson County Kansas | 1 | $ 365,000 | $ 365,000 | $ 120,000 |
| Chautauqua County Kansas | 1 | $ 185,000 | $ 185,000 | $ 128,000 |
| Cowley County Kansas | 1 | $ 95,000 | $ 95,000 | $ 275,000 |
| Dickinson County Kansas | 1 | $ 35,000 | $ 35,000 | $ 91,000 |
| Jackson County Kansas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Jefferson County Kansas | 1 | $ 35,000 | $ 35,000 | $ 88,000 |
| Osborne County Kansas | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Wabaunsee County Kansas | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Wilson County Kansas | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Graves County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Hopkins County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 119,000 |
| Calcasieu County Louisiana | 1 | $ 245,000 | $ 245,000 | $ 109,000 |
| Jefferson County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 78,000 |
| Clinton County Michigan | 1 | $ 365,000 | $ 365,000 | $ 395,000 |
| Grand Traverse County Michigan | 1 | $ 315,000 | $ 315,000 | $ 94,000 |
| Barry County Missouri | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
| Camden County Missouri | 1 | $ 205,000 | $ 205,000 | $ 202,000 |
| Dade County Missouri | 1 | $ 95,000 | $ 95,000 | $ 65,000 |
| Platte County Missouri | 1 | $ 35,000 | $ 35,000 | $ 285,000 |
| St. Louis County Missouri | 1 | $ 255,000 | $ 255,000 | $ 225,000 |
| Stone County Missouri | 1 | $ 45,000 | $ 45,000 | $ 43,000 |
| Taney County Missouri | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| Madison County Nebraska | 1 | $ 35,000 | $ 35,000 | $ 161,000 |
| Nassau County New York | 1 | $ 3,005,000 | $ 3,005,000 | $ 2,037,000 |
| Cuyahoga County Ohio | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| Alfalfa County Oklahoma | 1 | $ 285,000 | $ 285,000 | $ 225,000 |
| Canadian County Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 46,000 |
| Craig County Oklahoma | 1 | $ 355,000 | $ 355,000 | $ 92,000 |
| Custer County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 112,000 |
| Logan County Oklahoma | 1 | $ 215,000 | $ 215,000 | $ 89,000 |
| Mayes County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Okmulgee County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 17,000 |
| Wagoner County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 64,000 |
| Lane County Oregon | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 455,000 | $ 455,000 | $ 153,000 |
| Montgomery County Pennsylvania | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Hampton County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| McNairy County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 111,000 |
| Bastrop County Texas | 1 | $ 45,000 | $ 45,000 | $ 121,000 |
| Bee County Texas | 1 | $ 115,000 | $ 115,000 | $ 111,000 |
| Ector County Texas | 1 | $ 315,000 | $ 315,000 | $ 103,000 |
| Fannin County Texas | 1 | $ 55,000 | $ 55,000 | $ 126,000 |
| Galveston County Texas | 1 | $ 255,000 | $ 255,000 | $ 229,000 |
| Gillespie County Texas | 1 | $ 355,000 | $ 355,000 | $ 409,000 |
| Goliad County Texas | 1 | $ 135,000 | $ 135,000 | $ 119,000 |
| Grayson County Texas | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Potter County Texas | 1 | $ 375,000 | $ 375,000 | $ 53,000 |
| Randall County Texas | 1 | $ 685,000 | $ 685,000 | $ 407,000 |
| San Jacinto County Texas | 1 | $ 385,000 | $ 385,000 | $ 236,000 |
| Smith County Texas | 1 | $ 395,000 | $ 395,000 | $ 224,000 |
| Travis County Texas | 1 | $ 55,000 | $ 55,000 | $ 144,000 |
| Williamson County Texas | 1 | $ 15,000 | $ 15,000 | $ 39,000 |
| Wilson County Texas | 1 | $ 115,000 | $ 115,000 | $ 132,000 |
| Pierce County Washington | 1 | $ 635,000 | $ 635,000 | $ 195,000 |
| Albany County Wyoming | 1 | $ 65,000 | $ 65,000 | $ 0 |
Mortgage Loan Application Detail Totals for Truity Federal Credit Union in 2023
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 | 499 | $138,005,000 | $276,000 | $3,005,000 | $154,000 | $2,037,000 |
| Other Purpose | 163 | $39,945,000 | $245,000 | $19,715,000 | $128,000 | $471,000 |
| Home Improvement | 91 | $6,255,000 | $68,000 | $405,000 | $120,000 | $398,000 |
| Cash-out Refinancing | 9 | $1,645,000 | $182,000 | $355,000 | $127,000 | $461,000 |
| Refinancing | 9 | $2,195,000 | $243,000 | $395,000 | $138,000 | $178,000 |
| 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 | 544 | $115,130,000 | $211,000 | $1,215,000 | $139,000 | $677,000 |
| Not Provided | 73 | $22,315,000 | $305,000 | $3,005,000 | $216,000 | $2,037,000 |
| Hispanic | 47 | $8,785,000 | $186,000 | $725,000 | $105,000 | $297,000 |
| Not applicable | 37 | $27,725,000 | $749,000 | $19,715,000 | $389,000 | $430,000 |
| American Indian or Alaskan Native | 34 | $4,570,000 | $134,000 | $385,000 | $100,000 | $351,000 |
| Black or African American | 16 | $3,870,000 | $241,000 | $465,000 | $131,000 | $276,000 |
| Asian | 15 | $4,275,000 | $285,000 | $735,000 | $183,000 | $448,000 |
| 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) | 771 | $188,045,000 | $243,000 | $19,715,000 | $145,000 | $2,037,000 |
| 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 | 490 | $133,790,000 | $273,000 | $19,715,000 | $156,000 | $2,037,000 |
| Application Denied By Financial Institution | 136 | $21,350,000 | $156,000 | $505,000 | $62,000 | $251,000 |
| Application Withdrawn By Applicant | 107 | $25,445,000 | $237,000 | $865,000 | $181,000 | $418,000 |
| File Closed For Incompleteness | 31 | $5,545,000 | $178,000 | $725,000 | $106,000 | $468,000 |
| Application Approved But Not Accepted | 5 | $1,545,000 | $309,000 | $575,000 | $308,000 | $677,000 |
| Preapproval Denied by Financial Institution | 2 | $370,000 | $185,000 | $285,000 | $37,000 | $37,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 633 | $166,325,000 | $262,000 | $19,715,000 | $156,000 | $2,037,000 |
| Debt-To-Income Ratio | 93 | $16,035,000 | $172,000 | $505,000 | $54,000 | $251,000 |
| Credit History | 39 | $4,815,000 | $123,000 | $335,000 | $110,000 | $157,000 |
| Employment History | 2 | $160,000 | $80,000 | $95,000 | $66,000 | $76,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $460,000 | $230,000 | $305,000 | $120,000 | $120,000 |
| Other | 2 | $250,000 | $125,000 | $165,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2023 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.