True Sky Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
True Sky Credit Union 2005 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 | 1,039 |
| Total Mortgage Loan Application Amount | $81,377,000 |
| Average Mortgage Loan Application Amount | $137,600 |
| Highest Mortgage Loan Application Amount | $550,000 |
| Average Applicant Income | $120,950 |
| Highest Applicant Income | $1,759,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 427 | $ 30,698,000 | $ 71,000 | $ 57,000 |
| Cleveland County Oklahoma | 213 | $ 16,311,000 | $ 76,000 | $ 60,000 |
| Canadian County Oklahoma | 163 | $ 12,253,000 | $ 75,000 | $ 74,000 |
| Grady County Oklahoma | 56 | $ 4,217,000 | $ 75,000 | $ 58,000 |
| McClain County Oklahoma | 43 | $ 2,882,000 | $ 67,000 | $ 77,000 |
| Pottawatomie County Oklahoma | 14 | $ 1,086,000 | $ 77,000 | $ 77,000 |
| Dallas County Texas | 6 | $ 1,008,000 | $ 168,000 | $ 98,000 |
| Logan County Oklahoma | 5 | $ 450,000 | $ 90,000 | $ 82,000 |
| Comanche County Oklahoma | 4 | $ 187,000 | $ 46,000 | $ 81,000 |
| McCurtain County Oklahoma | 4 | $ 323,000 | $ 80,000 | $ 60,000 |
| Stephens County Oklahoma | 4 | $ 186,000 | $ 46,000 | $ 47,000 |
| Tulsa County Oklahoma | 4 | $ 206,000 | $ 51,000 | $ 42,000 |
| Caddo County Oklahoma | 3 | $ 102,000 | $ 34,000 | $ 58,000 |
| Kingfisher County Oklahoma | 3 | $ 115,000 | $ 38,000 | $ 71,000 |
| Lincoln County Oklahoma | 3 | $ 192,000 | $ 64,000 | $ 28,000 |
| McIntosh County Oklahoma | 3 | $ 226,000 | $ 75,000 | $ 94,000 |
| Maricopa County Arizona | 2 | $ 387,000 | $ 193,000 | $ 118,000 |
| Fresno County California | 2 | $ 535,000 | $ 267,000 | $ 83,000 |
| Woodbury County Iowa | 2 | $ 154,000 | $ 77,000 | $ 80,000 |
| Curry County New Mexico | 2 | $ 215,000 | $ 107,000 | $ 82,000 |
| Custer County Oklahoma | 2 | $ 133,000 | $ 66,000 | $ 58,000 |
| Murray County Oklahoma | 2 | $ 90,000 | $ 45,000 | $ 44,000 |
| Pittsburg County Oklahoma | 2 | $ 163,000 | $ 81,000 | $ 125,000 |
| Washington County Oklahoma | 2 | $ 86,000 | $ 43,000 | $ 45,000 |
| Woodward County Oklahoma | 2 | $ 158,000 | $ 79,000 | $ 80,000 |
| Frederick County Virginia | 2 | $ 884,000 | $ 442,000 | $ 66,000 |
| Clarke County Alabama | 1 | $ 100,000 | $ 100,000 | $ 59,000 |
| Anchorage County Alaska | 1 | $ 87,000 | $ 87,000 | $ 52,000 |
| Cochise County Arizona | 1 | $ 60,000 | $ 60,000 | $ 122,000 |
| Howard County Arkansas | 1 | $ 112,000 | $ 112,000 | $ 56,000 |
| Orange County California | 1 | $ 85,000 | $ 85,000 | $ 80,000 |
| Arapahoe County Colorado | 1 | $ 249,000 | $ 249,000 | $ 84,000 |
| Sussex County Delaware | 1 | $ 100,000 | $ 100,000 | $ 28,000 |
| District of Columbia County District Of Columbia | 1 | $ 250,000 | $ 250,000 | $ 165,000 |
| Charlotte County Florida | 1 | $ 271,000 | $ 271,000 | $ 48,000 |
| Okaloosa County Florida | 1 | $ 102,000 | $ 102,000 | $ 29,000 |
| Orange County Florida | 1 | $ 233,000 | $ 233,000 | $ 59,000 |
| St. Johns County Florida | 1 | $ 150,000 | $ 150,000 | $ 57,000 |
| Fulton County Georgia | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Cass County Illinois | 1 | $ 113,000 | $ 113,000 | $ 70,000 |
| Vermilion County Illinois | 1 | $ 48,000 | $ 48,000 | $ 106,000 |
| Hamilton County Indiana | 1 | $ 10,000 | $ 10,000 | $ 1,759,000 |
| Buena Vista County Iowa | 1 | $ 110,000 | $ 110,000 | $ 47,000 |
| Franklin County Kansas | 1 | $ 146,000 | $ 146,000 | $ 93,000 |
| Johnson County Kansas | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Hardin County Kentucky | 1 | $ 143,000 | $ 143,000 | $ 36,000 |
| East Baton Rouge County Louisiana | 1 | $ 166,000 | $ 166,000 | $ 116,000 |
| Charles County Maryland | 1 | $ 250,000 | $ 250,000 | $ 83,000 |
| Frederick County Maryland | 1 | $ 66,000 | $ 66,000 | $ 133,000 |
| Howard County Maryland | 1 | $ 100,000 | $ 100,000 | $ 102,000 |
| Prince George's County Maryland | 1 | $ 200,000 | $ 200,000 | $ 36,000 |
| Barnstable County Massachusetts | 1 | $ 100,000 | $ 100,000 | $ 108,000 |
| Plymouth County Massachusetts | 1 | $ 14,000 | $ 14,000 | $ 77,000 |
| Ionia County Michigan | 1 | $ 137,000 | $ 137,000 | $ 104,000 |
| Hinds County Mississippi | 1 | $ 92,000 | $ 92,000 | $ 60,000 |
| Jackson County Mississippi | 1 | $ 252,000 | $ 252,000 | $ 95,000 |
| St. Charles County Missouri | 1 | $ 100,000 | $ 100,000 | $ 65,000 |
| Clark County Nevada | 1 | $ 334,000 | $ 334,000 | $ 88,000 |
| Chaves County New Mexico | 1 | $ 60,000 | $ 60,000 | $ 34,000 |
| Dona Ana County New Mexico | 1 | $ 102,000 | $ 102,000 | $ 54,000 |
| Bronx County New York | 1 | $ 60,000 | $ 60,000 | $ 23,000 |
| Monroe County New York | 1 | $ 136,000 | $ 136,000 | $ 68,000 |
| Buncombe County North Carolina | 1 | $ 102,000 | $ 102,000 | $ 72,000 |
| Cumberland County North Carolina | 1 | $ 192,000 | $ 192,000 | $ 91,000 |
| Moore County North Carolina | 1 | $ 170,000 | $ 170,000 | $ 95,000 |
| Cuyahoga County Ohio | 1 | $ 11,000 | $ 11,000 | $ 25,000 |
| Bryan County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Garvin County Oklahoma | 1 | $ 24,000 | $ 24,000 | $ 87,000 |
| Love County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 38,000 |
| Marshall County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 93,000 |
| Mayes County Oklahoma | 1 | $ 102,000 | $ 102,000 | $ 40,000 |
| Noble County Oklahoma | 1 | $ 101,000 | $ 101,000 | $ 29,000 |
| Okfuskee County Oklahoma | 1 | $ 67,000 | $ 67,000 | $ 24,000 |
| Rogers County Oklahoma | 1 | $ 172,000 | $ 172,000 | $ 44,000 |
| Seminole County Oklahoma | 1 | $ 5,000 | $ 5,000 | $ 108,000 |
| Sequoyah County Oklahoma | 1 | $ 141,000 | $ 141,000 | $ 93,000 |
| Wagoner County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 17,000 |
| Minnehaha County South Dakota | 1 | $ 229,000 | $ 229,000 | $ 68,000 |
| Concho County Texas | 1 | $ 20,000 | $ 20,000 | $ 18,000 |
| Denton County Texas | 1 | $ 124,000 | $ 124,000 | $ 66,000 |
| El Paso County Texas | 1 | $ 212,000 | $ 212,000 | $ 75,000 |
| Galveston County Texas | 1 | $ 218,000 | $ 218,000 | $ 145,000 |
| Harris County Texas | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
| Montgomery County Texas | 1 | $ 143,000 | $ 143,000 | $ 129,000 |
| Morris County Texas | 1 | $ 27,000 | $ 27,000 | $ 106,000 |
| Salt Lake County Utah | 1 | $ 221,000 | $ 221,000 | $ 74,000 |
| Fauquier County Virginia | 1 | $ 110,000 | $ 110,000 | $ 162,000 |
| Loudoun County Virginia | 1 | $ 420,000 | $ 420,000 | $ 112,000 |
| Stafford County Virginia | 1 | $ 140,000 | $ 140,000 | $ 60,000 |
| Pierce County Washington | 1 | $ 131,000 | $ 131,000 | $ 118,000 |
Mortgage Loan Application Detail Totals for True Sky Credit Union in 2005
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 | 539 | $31,910,000 | $112,076 | $550,000 | $213,615 | $1,759,000 |
| Home Purchase | 432 | $47,726,000 | $154,692 | $420,000 | $76,615 | $379,000 |
| Home Improvement | 68 | $1,741,000 | $25,000 | $331,000 | $69,000 | $338,000 |
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 | 890 | $70,530,000 | $148,068 | $550,000 | $81,413 | $379,000 |
| Hispanic | 43 | $3,115,000 | $152,666 | $214,000 | $73,333 | $221,000 |
| Black or African American | 41 | $3,507,000 | $108,833 | $250,000 | $49,166 | $185,000 |
| American Indian or Alaskan Native | 40 | $2,433,000 | $60,000 | $167,000 | $47,000 | $116,000 |
| Asian | 19 | $1,211,000 | $38,000 | $134,000 | $910,000 | $1,759,000 |
| Not Provided | 5 | $453,000 | $110,000 | $200,000 | $106,500 | $129,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $128,000 | $128,000 | $128,000 | $36,000 | $36,000 |
| 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) | 1,005 | $76,968,000 | $143,793 | $550,000 | $136,517 | $1,759,000 |
| VA-guaranteed (Veterans Administration) | 26 | $3,503,000 | $130,857 | $246,000 | $59,857 | $167,000 |
| FHA-insured (Federal Housing Administration) | 8 | $906,000 | $113,000 | $214,000 | $49,000 | $88,000 |
| 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 | 622 | $41,248,000 | $131,500 | $400,000 | $73,875 | $379,000 |
| Application Withdrawn By Applicant | 294 | $30,221,000 | $141,464 | $550,000 | $139,892 | $1,759,000 |
| Application Denied By Financial Institution | 123 | $9,908,000 | $156,909 | $420,000 | $72,090 | $145,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 80 | $6,758,000 | $158,714 | $271,000 | $74,714 | $143,000 |
| Other | 16 | $1,307,000 | $143,500 | $420,000 | $68,000 | $145,000 |
| Debt-To-Income Ratio | 14 | $753,000 | $75,000 | $145,000 | $38,500 | $93,000 |
| Collateral | 6 | $459,000 | $76,000 | $225,000 | $57,000 | $101,000 |
| Employment History | 3 | $261,000 | $87,000 | $96,000 | $42,000 | $54,000 |
| Mortgage Insurance Denied | 3 | $288,000 | $96,000 | $235,000 | $98,000 | $126,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $82,000 | $82,000 | $82,000 | $35,000 | $35,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into True Sky Credit Union's 2005 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.