Truity Federal Credit Union Mortgage Lending & HMDA Data, 2003
In 2003, Truity Federal Credit Union of Bartlesville, OK reported 2,620 mortgage applications totaling $255.6 million. The average application was for $97,559, and applicants reported an average income of $76,901. 76% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Lawrence, KS (257), Houston, TX (171) and Tulsa, OK (170) (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 | 2,620 |
| Total Mortgage Loan Application Amount | $255,607,000 |
| Average Mortgage Loan Application Amount | $97,559 |
| Highest Mortgage Loan Application Amount | $926,000 |
| Average Applicant Income | $76,901 |
| Highest Applicant Income | $1,409,000 |
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records Truity Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lawrence, KS | 257 | $ 21,893,000 | $ 85,186 | $ 86,000 |
| Houston, TX | 171 | $ 28,524,000 | $ 166,807 | $ 124,000 |
| Tulsa, OK | 170 | $ 16,636,000 | $ 97,858 | $ 80,000 |
| Fayetteville-Springdale-Rogers, AR | 148 | $ 16,503,000 | $ 111,506 | $ 60,000 |
| Oklahoma City, OK | 30 | $ 3,342,000 | $ 111,400 | $ 76,000 |
| Anchorage, AK | 13 | $ 3,265,000 | $ 251,153 | $ 143,000 |
| Brazoria, TX | 10 | $ 917,000 | $ 91,700 | $ 94,000 |
| Denver, CO | 9 | $ 1,593,000 | $ 177,000 | $ 79,000 |
| Atlanta, GA | 8 | $ 1,115,000 | $ 139,375 | $ 73,000 |
| Dallas, TX | 8 | $ 1,536,000 | $ 192,000 | $ 133,000 |
| Fort Smith, AR-OK | 7 | $ 246,000 | $ 35,142 | $ 51,000 |
| Odessa-Midland, TX | 7 | $ 747,000 | $ 106,714 | $ 115,000 |
| Los Angeles-Long Beach, CA | 6 | $ 1,251,000 | $ 208,500 | $ 157,000 |
| Kansas City, MO-KS | 5 | $ 880,000 | $ 176,000 | $ 108,000 |
| San Antonio, TX | 5 | $ 431,000 | $ 86,200 | $ 55,000 |
| Anniston, AL | 4 | $ 346,000 | $ 86,500 | $ 59,000 |
| Billings, MT | 4 | $ 570,000 | $ 142,500 | $ 97,000 |
| Topeka, KS | 4 | $ 263,000 | $ 65,750 | $ 63,000 |
| Austin-San Marcos, TX | 3 | $ 382,000 | $ 127,333 | $ 114,000 |
| Fort Worth-Arlington, TX | 3 | $ 641,000 | $ 213,666 | $ 464,000 |
| Galveston-Texas City, TX | 3 | $ 284,000 | $ 94,666 | $ 114,000 |
| Greenville-Spartanburg-Anderson, SC | 3 | $ 246,000 | $ 82,000 | $ 57,000 |
| Jackson, MS | 3 | $ 403,000 | $ 134,333 | $ 69,000 |
| Nashville, TN | 3 | $ 426,000 | $ 142,000 | $ 111,000 |
| Portland-Vancouver, OR-WA | 3 | $ 886,000 | $ 295,333 | $ 103,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 414,000 | $ 138,000 | $ 162,000 |
| St. Louis, MO-IL | 3 | $ 483,000 | $ 161,000 | $ 72,000 |
| Wichita, KS | 3 | $ 438,000 | $ 146,000 | $ 125,000 |
| Bryan-College Station, TX | 2 | $ 90,000 | $ 45,000 | $ 37,000 |
| Chicago, IL | 2 | $ 655,000 | $ 327,500 | $ 119,000 |
| Colorado Springs, CO | 2 | $ 380,000 | $ 190,000 | $ 108,000 |
| Jacksonville, FL | 2 | $ 249,000 | $ 124,500 | $ 53,000 |
| Joplin, MO | 2 | $ 109,000 | $ 54,500 | $ 49,000 |
| Lake Charles, LA | 2 | $ 255,000 | $ 127,500 | $ 102,000 |
| Memphis, TN-AR-MS | 2 | $ 261,000 | $ 130,500 | $ 65,000 |
| Middlesex-Somerset-Hunterdon, NJ | 2 | $ 589,000 | $ 294,500 | $ 112,000 |
| Orange County, CA | 2 | $ 319,000 | $ 159,500 | $ 112,000 |
| Philadelphia, PA-NJ | 2 | $ 607,000 | $ 303,500 | $ 110,000 |
| Phoenix-Mesa, AZ | 2 | $ 594,000 | $ 297,000 | $ 172,000 |
| Raleigh-Durham-Chapel Hill, NC | 2 | $ 256,000 | $ 128,000 | $ 77,000 |
| Salt Lake City-Ogden, UT | 2 | $ 317,000 | $ 158,500 | $ 189,000 |
| Syracuse, NY | 2 | $ 315,000 | $ 157,500 | $ 125,000 |
| Washington, DC-MD-VA-WV | 2 | $ 607,000 | $ 303,500 | $ 117,000 |
| Yakima, WA | 2 | $ 295,000 | $ 147,500 | $ 125,000 |
| Albany, GA | 1 | $ 210,000 | $ 210,000 | $ 190,000 |
| Albuquerque, NM | 1 | $ 157,000 | $ 157,000 | $ 68,000 |
| Amarillo, TX | 1 | $ 140,000 | $ 140,000 | $ 68,000 |
| Beaumont-Port Arthur, TX | 1 | $ 143,000 | $ 143,000 | $ 155,000 |
| Bridgeport, CT | 1 | $ 180,000 | $ 180,000 | $ 125,000 |
| Brownsville-Harlingen-San Benito, TX | 1 | $ 208,000 | $ 208,000 | $ 120,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 197,000 | $ 197,000 | $ 93,000 |
| Columbus, GA-AL | 1 | $ 10,000 | $ 10,000 | $ 53,000 |
| Dayton-Springfield, OH | 1 | $ 64,000 | $ 64,000 | $ 21,000 |
| Decatur, AL | 1 | $ 45,000 | $ 45,000 | $ 32,000 |
| El Paso, TX | 1 | $ 59,000 | $ 59,000 | $ 40,000 |
| Enid, OK | 1 | $ 160,000 | $ 160,000 | $ 90,000 |
| Fayetteville, NC | 1 | $ 6,000 | $ 6,000 | $ 51,000 |
| Jersey City, NJ | 1 | $ 479,000 | $ 479,000 | $ 137,000 |
| Killeen-Temple, TX | 1 | $ 16,000 | $ 16,000 | $ 41,000 |
| Lancaster, PA | 1 | $ 113,000 | $ 113,000 | $ 78,000 |
| Las Vegas, NV-AZ | 1 | $ 95,000 | $ 95,000 | $ 50,000 |
| Lawton, OK | 1 | $ 104,000 | $ 104,000 | $ 48,000 |
| Lincoln, NE | 1 | $ 135,000 | $ 135,000 | $ 113,000 |
| Little Rock-North Little Rock, AR | 1 | $ 189,000 | $ 189,000 | $ 60,000 |
| Monroe, LA | 1 | $ 117,000 | $ 117,000 | $ 58,000 |
| Naples, FL | 1 | $ 900,000 | $ 900,000 | $ 311,000 |
| New Orleans, LA | 1 | $ 260,000 | $ 260,000 | $ 95,000 |
| Oakland, CA | 1 | $ 926,000 | $ 926,000 | $ 164,000 |
| Orlando, FL | 1 | $ 157,000 | $ 157,000 | $ 136,000 |
| Pine Bluff, AR | 1 | $ 15,000 | $ 15,000 | $ 39,000 |
| Pittsburgh, PA | 1 | $ 135,000 | $ 135,000 | $ 157,000 |
| Riverside-San Bernardino, CA | 1 | $ 285,000 | $ 285,000 | $ 58,000 |
| Rochester, MN | 1 | $ 182,000 | $ 182,000 | $ 77,000 |
| Sacramento, CA | 1 | $ 275,000 | $ 275,000 | $ 94,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 1 | $ 330,000 | $ 330,000 | $ 80,000 |
| Sioux City, IA-NE | 1 | $ 89,000 | $ 89,000 | $ 55,000 |
| Springfield, MO | 1 | $ 8,000 | $ 8,000 | $ 26,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Vallejo-Fairfield-Napa, CA | 1 | $ 246,000 | $ 246,000 | $ 79,000 |
Mortgage Loan Application Detail Totals for Truity Federal Credit Union in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 1,771 | $141,618,000 | $131,894 | $764,000 | $99,368 | $650,000 |
| Home Purchase (one-to-four family) | 849 | $113,989,000 | $212,062 | $926,000 | $107,812 | $1,409,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 2,447 | $240,270,000 | $161,650 | $926,000 | $102,425 | $1,409,000 |
| Hispanic | 57 | $3,857,000 | $68,000 | $239,000 | $54,444 | $120,000 |
| American Indian or Alaskan Native | 52 | $3,641,000 | $69,000 | $301,000 | $61,000 | $214,000 |
| Black | 36 | $3,431,000 | $97,400 | $323,000 | $73,700 | $272,000 |
| Asian or Pacific Islander | 25 | $4,007,000 | $190,800 | $427,000 | $98,200 | $427,000 |
| Other | 3 | $401,000 | $142,500 | $170,000 | $75,500 | $110,000 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 2,620 | $255,607,000 | $160,853 | $926,000 | $99,902 | $1,409,000 |
| 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 | 1,991 | $202,817,000 | $172,102 | $926,000 | $102,794 | $1,409,000 |
| Application Denied By Financial Institution | 391 | $27,661,000 | $79,944 | $405,000 | $72,833 | $230,000 |
| Application Withdrawn By Applicant | 238 | $25,129,000 | $113,588 | $764,000 | $91,941 | $650,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 |
|---|---|---|---|---|---|---|
| Credit History | 318 | $22,066,000 | $72,533 | $405,000 | $52,933 | $165,000 |
| Debt-To-Income Ratio | 24 | $1,702,000 | $65,400 | $243,000 | $46,000 | $114,000 |
| Collateral | 16 | $960,000 | $66,000 | $200,000 | $71,000 | $204,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $1,474,000 | $98,000 | $250,000 | $29,000 | $97,000 |
| Credit Application Incomplete | 14 | $1,133,000 | $90,000 | $331,000 | $99,666 | $230,000 |
| Employment History | 4 | $326,000 | $81,000 | $99,000 | $33,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Truity Federal Credit Union's 2003 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.
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