Truity Federal Credit Union Mortgage Lending & HMDA Data, 2004
In 2004, Truity Federal Credit Union of Bartlesville, OK reported 1,773 mortgage applications totaling $169.0 million, down 32% from 2003. The average application was for $95,304, and applicants reported an average income of $72,244. 46% of its applications resulted in an originated loan and 47% were denied. Its largest markets were Houston-Baytown-Sugar Land, TX (111), Fayetteville-Springdale-Rogers, AR-MO (93) and Lawrence, KS (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 | 1,773 |
| Total Mortgage Loan Application Amount | $168,975,000 |
| Average Mortgage Loan Application Amount | $95,304 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $72,244 |
| Highest Applicant Income | $1,375,000 |
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records Truity Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Houston-Baytown-Sugar Land, TX | 111 | $ 23,667,000 | $ 213,216 | $ 132,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 93 | $ 9,136,000 | $ 98,236 | $ 64,000 |
| Lawrence, KS | 83 | $ 7,975,000 | $ 96,084 | $ 68,000 |
| Tulsa, OK | 57 | $ 5,414,000 | $ 94,982 | $ 78,000 |
| Oklahoma City, OK | 15 | $ 1,878,000 | $ 125,200 | $ 117,000 |
| Topeka, KS | 14 | $ 549,000 | $ 39,214 | $ 49,000 |
| Atlanta-Sandy Springs-Marietta, GA | 9 | $ 900,000 | $ 100,000 | $ 62,000 |
| Anchorage, AK | 6 | $ 1,470,000 | $ 245,000 | $ 88,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 1,441,000 | $ 240,166 | $ 92,000 |
| Oakland-Fremont-Hayward, CA | 6 | $ 1,913,000 | $ 318,833 | $ 131,000 |
| Santa Ana-Anaheim-Irvine, CA | 6 | $ 2,564,000 | $ 427,333 | $ 128,000 |
| Kansas City, MO-KS | 5 | $ 356,000 | $ 71,200 | $ 66,000 |
| Chicago-Naperville-Joliet, IL | 4 | $ 413,000 | $ 103,250 | $ 70,000 |
| Joplin, MO | 4 | $ 345,000 | $ 86,250 | $ 42,000 |
| Nashville-Davidson--Murfreesboro, TN | 4 | $ 409,000 | $ 102,250 | $ 72,000 |
| Philadelphia, PA | 4 | $ 919,000 | $ 229,750 | $ 85,000 |
| Sioux City, IA-NE-SD | 4 | $ 193,000 | $ 48,250 | $ 54,000 |
| Amarillo, TX | 3 | $ 107,000 | $ 35,666 | $ 29,000 |
| Anniston-Oxford, AL | 3 | $ 65,000 | $ 21,666 | $ 58,000 |
| Midland, TX | 3 | $ 288,000 | $ 96,000 | $ 49,000 |
| Austin-Round Rock, TX | 2 | $ 117,000 | $ 58,500 | $ 95,000 |
| Birmingham-Hoover, AL | 2 | $ 25,000 | $ 12,500 | $ 26,000 |
| Boston-Quincy, MA | 2 | $ 495,000 | $ 247,500 | $ 190,000 |
| College Station-Bryan, TX | 2 | $ 433,000 | $ 216,500 | $ 98,000 |
| Dallas-Plano-Irving, TX | 2 | $ 62,000 | $ 31,000 | $ 104,000 |
| Harrisonburg, VA | 2 | $ 201,000 | $ 100,500 | $ 49,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 161,000 | $ 80,500 | $ 79,000 |
| Jackson, MS | 2 | $ 271,000 | $ 135,500 | $ 96,000 |
| Lancaster, PA | 2 | $ 70,000 | $ 35,000 | $ 28,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 552,000 | $ 276,000 | $ 232,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 342,000 | $ 171,000 | $ 96,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 363,000 | $ 181,500 | $ 97,000 |
| Sherman-Denison, TX | 2 | $ 146,000 | $ 73,000 | $ 21,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 78,000 | $ 39,000 | $ 44,000 |
| Anderson, SC | 1 | $ 267,000 | $ 267,000 | $ 92,000 |
| Bellingham, WA | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| Billings, MT | 1 | $ 179,000 | $ 179,000 | $ 74,000 |
| Charleston, WV | 1 | $ 82,000 | $ 82,000 | $ 68,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 1,000 | $ 1,000 | $ 29,000 |
| Decatur, AL | 1 | $ 51,000 | $ 51,000 | $ 35,000 |
| Denver-Aurora, CO | 1 | $ 286,000 | $ 286,000 | $ 70,000 |
| Eugene-Springfield, OR | 1 | $ 200,000 | $ 200,000 | $ 160,000 |
| Farmington, NM | 1 | $ 55,000 | $ 55,000 | $ 105,000 |
| Flagstaff, AZ | 1 | $ 105,000 | $ 105,000 | $ 209,000 |
| Fort Collins-Loveland, CO | 1 | $ 71,000 | $ 71,000 | $ 58,000 |
| Fort Smith, AR-OK | 1 | $ 140,000 | $ 140,000 | $ 74,000 |
| Gainesville, GA | 1 | $ 1,000 | $ 1,000 | $ 19,000 |
| Grand Junction, CO | 1 | $ 157,000 | $ 157,000 | $ 49,000 |
| Indianapolis, IN | 1 | $ 190,000 | $ 190,000 | $ 49,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 98,000 | $ 98,000 | $ 32,000 |
| Lake Charles, LA | 1 | $ 130,000 | $ 130,000 | $ 78,000 |
| Lincoln, NE | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| Little Rock-North Little Rock, AR | 1 | $ 3,000 | $ 3,000 | $ 20,000 |
| Lubbock, TX | 1 | $ 74,000 | $ 74,000 | $ 32,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 207,000 | $ 207,000 | $ 75,000 |
| Norwich-New London, CT | 1 | $ 295,000 | $ 295,000 | $ 215,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 194,000 | $ 194,000 | $ 164,000 |
| Pine Bluff, AR | 1 | $ 20,000 | $ 20,000 | $ 38,000 |
| Provo-Orem, UT | 1 | $ 175,000 | $ 175,000 | $ 103,000 |
| Rocky Mount, NC | 1 | $ 107,000 | $ 107,000 | $ 32,000 |
| San Antonio, TX | 1 | $ 14,000 | $ 14,000 | $ 37,000 |
| St. George, UT | 1 | $ 135,000 | $ 135,000 | $ 95,000 |
| St. Louis, MO-IL | 1 | $ 215,000 | $ 215,000 | $ 85,000 |
| Trenton-Ewing, NJ | 1 | $ 149,000 | $ 149,000 | $ 104,000 |
| Visalia-Porterville, CA | 1 | $ 210,000 | $ 210,000 | $ 138,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 380,000 | $ 380,000 | $ 118,000 |
| Wichita, KS | 1 | $ 205,000 | $ 205,000 | $ 99,000 |
Mortgage Loan Application Detail Totals for Truity Federal Credit Union in 2004
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 | 1,185 | $130,047,000 | $164,125 | $800,000 | $103,125 | $655,000 |
| Refinancing | 570 | $38,540,000 | $89,230 | $3,500,000 | $85,807 | $1,375,000 |
| Home Improvement | 18 | $388,000 | $19,600 | $65,000 | $74,600 | $144,000 |
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 | 1,068 | $118,381,000 | $161,129 | $3,500,000 | $102,677 | $1,375,000 |
| Not Provided | 464 | $31,690,000 | $68,391 | $746,000 | $66,173 | $420,000 |
| Hispanic | 111 | $8,577,000 | $98,000 | $323,000 | $70,272 | $215,000 |
| Black or African American | 62 | $4,224,000 | $51,375 | $203,000 | $54,125 | $148,000 |
| American Indian or Alaskan Native | 41 | $2,749,000 | $60,666 | $194,000 | $65,000 | $135,000 |
| Asian | 23 | $3,038,000 | $126,666 | $334,000 | $74,333 | $144,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $316,000 | $86,000 | $126,000 | $42,000 | $61,000 |
| 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) | 1,773 | $168,975,000 | $132,833 | $3,500,000 | $96,083 | $1,375,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 831 | $60,749,000 | $48,450 | $360,000 | $39,450 | $385,000 |
| Loan Originated | 809 | $94,479,000 | $154,757 | $3,500,000 | $104,818 | $1,375,000 |
| Application Withdrawn By Applicant | 133 | $13,747,000 | $111,875 | $746,000 | $92,687 | $314,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 677 | $47,311,000 | $43,850 | $320,000 | $36,450 | $385,000 |
| Debt-To-Income Ratio | 90 | $8,683,000 | $83,800 | $334,000 | $38,400 | $225,000 |
| Credit Application Incomplete | 28 | $2,053,000 | $80,625 | $215,000 | $87,000 | $248,000 |
| Collateral | 20 | $1,186,000 | $61,200 | $156,000 | $56,400 | $131,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $933,000 | $65,500 | $360,000 | $46,500 | $85,000 |
| Employment History | 5 | $583,000 | $116,000 | $194,000 | $80,000 | $135,000 |
| 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 2004 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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