True Sky Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
True Sky Credit Union 2003 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 | True Sky Credit Union P.O. Box 26406 Oklahoma City, OK 73126 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 | 1,349 |
| Total Mortgage Loan Application Amount | $102,244,000 |
| Average Mortgage Loan Application Amount | $153,078 |
| Highest Mortgage Loan Application Amount | $323,000 |
| Average Applicant Income | $78,736 |
| Highest Applicant Income | $216,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with True Sky 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 True Sky Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down True Sky 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 True Sky Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by True Sky 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 True Sky Credit Union's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oklahoma County Oklahoma | 551 | $ 38,059,000 | $ 69,000 | $ 65,000 |
| Cleveland County Oklahoma | 297 | $ 23,296,000 | $ 78,000 | $ 59,000 |
| Canadian County Oklahoma | 224 | $ 16,655,000 | $ 74,000 | $ 77,000 |
| Grady County Oklahoma | 81 | $ 6,298,000 | $ 77,000 | $ 71,000 |
| McClain County Oklahoma | 47 | $ 3,577,000 | $ 76,000 | $ 76,000 |
| Pottawatomie County Oklahoma | 14 | $ 1,140,000 | $ 81,000 | $ 85,000 |
| Tulsa County Oklahoma | 11 | $ 853,000 | $ 77,000 | $ 63,000 |
| Logan County Oklahoma | 10 | $ 791,000 | $ 79,000 | $ 80,000 |
| Payne County Oklahoma | 5 | $ 540,000 | $ 108,000 | $ 62,000 |
| Woodward County Oklahoma | 5 | $ 206,000 | $ 41,000 | $ 42,000 |
| Caddo County Oklahoma | 4 | $ 237,000 | $ 59,000 | $ 60,000 |
| Pittsburg County Oklahoma | 4 | $ 128,000 | $ 32,000 | $ 29,000 |
| Rogers County Oklahoma | 4 | $ 275,000 | $ 68,000 | $ 37,000 |
| Maricopa County Arizona | 3 | $ 430,000 | $ 143,000 | $ 100,000 |
| Garvin County Oklahoma | 3 | $ 99,000 | $ 33,000 | $ 64,000 |
| Marshall County Oklahoma | 3 | $ 195,000 | $ 65,000 | $ 57,000 |
| Beckham County Oklahoma | 2 | $ 159,000 | $ 79,000 | $ 83,000 |
| Comanche County Oklahoma | 2 | $ 147,000 | $ 73,000 | $ 59,000 |
| Delaware County Oklahoma | 2 | $ 75,000 | $ 37,000 | $ 74,000 |
| Kingfisher County Oklahoma | 2 | $ 60,000 | $ 30,000 | $ 49,000 |
| Love County Oklahoma | 2 | $ 149,000 | $ 74,000 | $ 58,000 |
| McIntosh County Oklahoma | 2 | $ 68,000 | $ 34,000 | $ 135,000 |
| Okfuskee County Oklahoma | 2 | $ 119,000 | $ 59,000 | $ 54,000 |
| Pushmataha County Oklahoma | 2 | $ 86,000 | $ 43,000 | $ 36,000 |
| Stephens County Oklahoma | 2 | $ 59,000 | $ 29,000 | $ 43,000 |
| Wagoner County Oklahoma | 2 | $ 105,000 | $ 52,000 | $ 28,000 |
| Williamson County Texas | 2 | $ 269,000 | $ 134,000 | $ 63,000 |
| Fairfax County Virginia | 2 | $ 332,000 | $ 166,000 | $ 52,000 |
| Mohave County Arizona | 1 | $ 90,000 | $ 90,000 | $ 79,000 |
| Pima County Arizona | 1 | $ 99,000 | $ 99,000 | $ 20,000 |
| Orange County California | 1 | $ 322,000 | $ 322,000 | $ 71,000 |
| Placer County California | 1 | $ 142,000 | $ 142,000 | $ 134,000 |
| El Paso County Colorado | 1 | $ 146,000 | $ 146,000 | $ 62,000 |
| Larimer County Colorado | 1 | $ 239,000 | $ 239,000 | $ 85,000 |
| New Castle County Delaware | 1 | $ 85,000 | $ 85,000 | $ 111,000 |
| Alachua County Florida | 1 | $ 44,000 | $ 44,000 | $ 43,000 |
| Broward County Florida | 1 | $ 215,000 | $ 215,000 | $ 73,000 |
| Okaloosa County Florida | 1 | $ 52,000 | $ 52,000 | $ 81,000 |
| Seminole County Florida | 1 | $ 138,000 | $ 138,000 | $ 94,000 |
| Sumter County Florida | 1 | $ 127,000 | $ 127,000 | $ 68,000 |
| Ben Hill County Georgia | 1 | $ 200,000 | $ 200,000 | $ 91,000 |
| Carroll County Georgia | 1 | $ 185,000 | $ 185,000 | $ 120,000 |
| Henry County Georgia | 1 | $ 158,000 | $ 158,000 | $ 67,000 |
| Sumter County Georgia | 1 | $ 155,000 | $ 155,000 | $ 85,000 |
| Adams County Illinois | 1 | $ 232,000 | $ 232,000 | $ 109,000 |
| McHenry County Illinois | 1 | $ 262,000 | $ 262,000 | $ 127,000 |
| Knox County Indiana | 1 | $ 150,000 | $ 150,000 | $ 41,000 |
| Atchison County Kansas | 1 | $ 250,000 | $ 250,000 | $ 94,000 |
| Henry County Kentucky | 1 | $ 176,000 | $ 176,000 | $ 58,000 |
| Cumberland County Maine | 1 | $ 110,000 | $ 110,000 | $ 87,000 |
| Prince George's County Maryland | 1 | $ 147,000 | $ 147,000 | $ 70,000 |
| Suffolk County Massachusetts | 1 | $ 170,000 | $ 170,000 | $ 52,000 |
| Alcona County Michigan | 1 | $ 171,000 | $ 171,000 | $ 78,000 |
| Carver County Minnesota | 1 | $ 180,000 | $ 180,000 | $ 94,000 |
| Mahnomen County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 68,000 |
| Clay County Missouri | 1 | $ 108,000 | $ 108,000 | $ 33,000 |
| Taney County Missouri | 1 | $ 90,000 | $ 90,000 | $ 54,000 |
| Warren County Missouri | 1 | $ 145,000 | $ 145,000 | $ 104,000 |
| Douglas County Nebraska | 1 | $ 85,000 | $ 85,000 | $ 57,000 |
| Nye County Nevada | 1 | $ 240,000 | $ 240,000 | $ 90,000 |
| Bergen County New Jersey | 1 | $ 227,000 | $ 227,000 | $ 102,000 |
| Suffolk County New York | 1 | $ 296,000 | $ 296,000 | $ 127,000 |
| Alleghany County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 55,000 |
| Blaine County Oklahoma | 1 | $ 18,000 | $ 18,000 | $ 23,000 |
| Bryan County Oklahoma | 1 | $ 130,000 | $ 130,000 | $ 79,000 |
| Cherokee County Oklahoma | 1 | $ 112,000 | $ 112,000 | $ 67,000 |
| Creek County Oklahoma | 1 | $ 39,000 | $ 39,000 | $ 50,000 |
| Garfield County Oklahoma | 1 | $ 69,000 | $ 69,000 | $ 26,000 |
| Kay County Oklahoma | 1 | $ 140,000 | $ 140,000 | $ 68,000 |
| Le Flore County Oklahoma | 1 | $ 80,000 | $ 80,000 | $ 82,000 |
| Lincoln County Oklahoma | 1 | $ 52,000 | $ 52,000 | $ 124,000 |
| Muskogee County Oklahoma | 1 | $ 120,000 | $ 120,000 | $ 73,000 |
| Okmulgee County Oklahoma | 1 | $ 51,000 | $ 51,000 | $ 21,000 |
| Seminole County Oklahoma | 1 | $ 20,000 | $ 20,000 | $ 102,000 |
| Sequoyah County Oklahoma | 1 | $ 23,000 | $ 23,000 | $ 99,000 |
| Texas County Oklahoma | 1 | $ 52,000 | $ 52,000 | $ 77,000 |
| Washita County Oklahoma | 1 | $ 77,000 | $ 77,000 | $ 80,000 |
| Allegheny County Pennsylvania | 1 | $ 36,000 | $ 36,000 | $ 77,000 |
| Lancaster County Pennsylvania | 1 | $ 197,000 | $ 197,000 | $ 77,000 |
| Luzerne County Pennsylvania | 1 | $ 154,000 | $ 154,000 | $ 84,000 |
| Sumner County Tennessee | 1 | $ 72,000 | $ 72,000 | $ 39,000 |
| Denton County Texas | 1 | $ 130,000 | $ 130,000 | $ 58,000 |
| Johnson County Texas | 1 | $ 73,000 | $ 73,000 | $ 10,000 |
| Tarrant County Texas | 1 | $ 130,000 | $ 130,000 | $ 143,000 |
| Bedford County Virginia | 1 | $ 50,000 | $ 50,000 | $ 82,000 |
| Pierce County Washington | 1 | $ 217,000 | $ 217,000 | $ 104,000 |
| Randolph County West Virginia | 1 | $ 104,000 | $ 104,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for True Sky 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) | 1,018 | $74,702,000 | $142,428 | $323,000 | $80,285 | $216,000 |
| Home Purchase (one-to-four family) | 241 | $25,493,000 | $175,250 | $322,000 | $76,812 | $188,000 |
| Home Improvement (one-to-four family) | 90 | $2,049,000 | $22,000 | $120,000 | $77,000 | $180,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 1,001 | $78,125,000 | $153,500 | $323,000 | $76,944 | $216,000 |
| Information not provided by applicant in mail or telephone application | 234 | $15,178,000 | $147,142 | $322,000 | $79,857 | $201,000 |
| Black | 46 | $3,171,000 | $120,166 | $239,000 | $74,166 | $169,000 |
| Hispanic | 22 | $1,951,000 | $148,500 | $215,000 | $69,500 | $166,000 |
| American Indian or Alaskan Native | 22 | $1,669,000 | $75,000 | $177,000 | $50,000 | $144,000 |
| Asian or Pacific Islander | 20 | $1,904,000 | $119,500 | $285,000 | $69,000 | $150,000 |
| Other | 4 | $246,000 | $61,000 | $76,000 | $40,000 | $76,000 |
| 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) | 1,307 | $97,170,000 | $156,740 | $323,000 | $78,518 | $216,000 |
| VA-guaranteed (Veterans Administration) | 42 | $5,074,000 | $176,000 | $243,000 | $75,250 | $169,000 |
| 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 |
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 | 1,124 | $80,538,000 | $133,777 | $321,000 | $82,277 | $216,000 |
| Application Withdrawn By Applicant | 143 | $14,372,000 | $186,600 | $323,000 | $79,533 | $188,000 |
| Application Denied By Financial Institution | 81 | $7,323,000 | $130,000 | $320,000 | $58,000 | $144,000 |
| File Closed For Incompleteness | 1 | $11,000 | $11,000 | $11,000 | $71,000 | $71,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 51 | $4,864,000 | $126,428 | $320,000 | $50,714 | $112,000 |
| Collateral | 11 | $1,024,000 | $93,000 | $281,000 | $58,000 | $144,000 |
| Debt-To-Income Ratio | 7 | $570,000 | $130,500 | $200,000 | $62,000 | $91,000 |
| Mortgage Insurance Denied | 4 | $281,000 | $70,000 | $128,000 | $74,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $193,000 | $64,000 | $135,000 | $52,000 | $64,000 |
| Employment History | 2 | $154,000 | $77,000 | $124,000 | $32,000 | $47,000 |
| Credit Application Incomplete | 2 | $147,000 | $73,000 | $105,000 | $56,000 | $58,000 |
| Other | 1 | $90,000 | $90,000 | $90,000 | $79,000 | $79,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into True Sky 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 True Sky 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.