Truity Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Truity Federal Credit Union 2021 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 | 1,577 |
| Total Mortgage Loan Application Amount | $375,575,000 |
| Average Mortgage Loan Application Amount | $204,600 |
| Highest Mortgage Loan Application Amount | $4,715,000 |
| Average Applicant Income | $124,600 |
| Highest Applicant Income | $1,046,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 484 | $ 103,430,000 | $ 213,000 | $ 109,000 |
| NA (OUTSIDE OF MSA/MD) | 386 | $ 67,730,000 | $ 266,200 | $ 153,600 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 119 | $ 43,515,000 | $ 365,000 | $ 252,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 83 | $ 22,335,000 | $ 269,000 | $ 191,000 |
| KANSAS CITY, MO-KS | 82 | $ 21,650,000 | $ 237,500 | $ 144,000 |
| TULSA, OK | 78 | $ 17,160,000 | $ 220,000 | $ 116,000 |
| TOPEKA, KS | 52 | $ 8,650,000 | $ 166,000 | $ 87,000 |
| ANCHORAGE, AK | 21 | $ 11,185,000 | $ 532,000 | $ 275,000 |
| MIDLAND, TX | 14 | $ 5,220,000 | $ 372,000 | $ 160,000 |
| OKLAHOMA CITY, OK | 12 | $ 2,970,000 | $ 247,000 | $ 162,000 |
| DENVER-AURORA-LAKEWOOD, CO | 10 | $ 4,250,000 | $ 425,000 | $ 215,000 |
| AMARILLO, TX | 9 | $ 2,615,000 | $ 290,000 | $ 112,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 7 | $ 2,295,000 | $ 327,000 | $ 269,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 6 | $ 3,540,000 | $ 590,000 | $ 247,000 |
| DALLAS-PLANO-IRVING, TX | 5 | $ 1,195,000 | $ 239,000 | $ 168,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 5 | $ 4,615,000 | $ 923,000 | $ 201,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 5 | $ 2,515,000 | $ 503,000 | $ 240,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 5 | $ 1,725,000 | $ 345,000 | $ 132,000 |
| COLORADO SPRINGS, CO | 4 | $ 1,320,000 | $ 330,000 | $ 151,000 |
| WICHITA, KS | 4 | $ 740,000 | $ 185,000 | $ 82,000 |
| AUSTIN-ROUND ROCK, TX | 3 | $ 1,245,000 | $ 415,000 | $ 325,000 |
| BILLINGS, MT | 3 | $ 1,045,000 | $ 348,000 | $ 165,000 |
| CHATTANOOGA, TN-GA | 3 | $ 1,495,000 | $ 498,000 | $ 267,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 2 | $ 1,210,000 | $ 605,000 | $ 256,000 |
| BEAUMONT-PORT ARTHUR, TX | 2 | $ 480,000 | $ 240,000 | $ 218,000 |
| CEDAR RAPIDS, IA | 2 | $ 510,000 | $ 255,000 | $ 94,000 |
| CLARKSVILLE, TN-KY | 2 | $ 240,000 | $ 120,000 | $ 45,000 |
| FARMINGTON, NM | 2 | $ 730,000 | $ 365,000 | $ 147,000 |
| FORT COLLINS, CO | 2 | $ 1,270,000 | $ 635,000 | $ 0 |
| FORT SMITH, AR-OK | 2 | $ 240,000 | $ 120,000 | $ 212,000 |
| FORT WORTH-ARLINGTON, TX | 2 | $ 530,000 | $ 265,000 | $ 92,000 |
| GREENVILLE-ANDERSON-MAULDIN, SC | 2 | $ 1,370,000 | $ 685,000 | $ 397,000 |
| HOT SPRINGS, AR | 2 | $ 720,000 | $ 360,000 | $ 0 |
| LAKE CHARLES, LA | 2 | $ 660,000 | $ 330,000 | $ 143,000 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 2 | $ 270,000 | $ 135,000 | $ 0 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 2 | $ 730,000 | $ 365,000 | $ 245,000 |
| MANHATTAN, KS | 2 | $ 410,000 | $ 205,000 | $ 19,000 |
| ST. LOUIS, MO-IL | 2 | $ 480,000 | $ 240,000 | $ 138,000 |
| WATERLOO-CEDAR FALLS, IA | 2 | $ 590,000 | $ 295,000 | $ 265,000 |
| ALBUQUERQUE, NM | 1 | $ 195,000 | $ 195,000 | $ 75,000 |
| APPLETON, WI | 1 | $ 405,000 | $ 405,000 | $ 170,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 1 | $ 255,000 | $ 255,000 | $ 108,000 |
| CHICAGO-NAPERVILLE, IL | 1 | $ 805,000 | $ 805,000 | $ 179,000 |
| COLLEGE STATION-BRYAN, TX | 1 | $ 45,000 | $ 45,000 | $ 37,000 |
| CORPUS CHRISTI, TX | 1 | $ 275,000 | $ 275,000 | $ 192,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 1 | $ 475,000 | $ 475,000 | $ 64,000 |
| DECATUR, AL | 1 | $ 385,000 | $ 385,000 | $ 360,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 1 | $ 505,000 | $ 505,000 | $ 120,000 |
| DES MOINES-WEST DES MOINES, IA | 1 | $ 275,000 | $ 275,000 | $ 0 |
| DETROIT-DEARBORN-LIVONIA, MI | 1 | $ 55,000 | $ 55,000 | $ 0 |
| FLORENCE-MUSCLE SHOALS, AL | 1 | $ 125,000 | $ 125,000 | $ 360,000 |
| GADSDEN, AL | 1 | $ 145,000 | $ 145,000 | $ 119,000 |
| GRAND JUNCTION, CO | 1 | $ 235,000 | $ 235,000 | $ 52,000 |
| GREEN BAY, WI | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| HAMMOND, LA | 1 | $ 315,000 | $ 315,000 | $ 129,000 |
| HICKORY-LENOIR-MORGANTON, NC | 1 | $ 405,000 | $ 405,000 | $ 352,000 |
| IOWA CITY, IA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| JACKSON, MS | 1 | $ 365,000 | $ 365,000 | $ 136,000 |
| JACKSON, TN | 1 | $ 265,000 | $ 265,000 | $ 88,000 |
| JOPLIN, MO | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| LANCASTER, PA | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| LAREDO, TX | 1 | $ 225,000 | $ 225,000 | $ 79,000 |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 1 | $ 135,000 | $ 135,000 | $ 123,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 1 | $ 545,000 | $ 545,000 | $ 225,000 |
| NEW ORLEANS-METAIRIE, LA | 1 | $ 305,000 | $ 305,000 | $ 0 |
| NEW YORK-NEWARK, NY | 1 | $ 215,000 | $ 215,000 | $ 115,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 1 | $ 485,000 | $ 485,000 | $ 142,000 |
| ODESSA, TX | 1 | $ 355,000 | $ 355,000 | $ 217,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 1 | $ 105,000 | $ 105,000 | $ 191,000 |
| RENO, NV | 1 | $ 205,000 | $ 205,000 | $ 137,000 |
| RICHMOND, VA | 1 | $ 315,000 | $ 315,000 | $ 0 |
| SALEM, OR | 1 | $ 265,000 | $ 265,000 | $ 216,000 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 1 | $ 765,000 | $ 765,000 | $ 225,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 1 | $ 545,000 | $ 545,000 | $ 165,000 |
| SIOUX CITY, IA-NE-SD | 1 | $ 425,000 | $ 425,000 | $ 350,000 |
| ST. JOSEPH, MO-KS | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| TUSCALOOSA, AL | 1 | $ 285,000 | $ 285,000 | $ 360,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 1 | $ 535,000 | $ 535,000 | $ 278,000 |
| WINSTON-SALEM, NC | 1 | $ 175,000 | $ 175,000 | $ 158,000 |
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.
For a list of all lenders in Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.