Applications / Mortgage Analytics / Lenders / Oklahoma / Truity Federal Credit Union
Bartlesville, OK · Credit union · NCUA · $1.2 billion assets · 440 loans in 2025
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440
loans originated, 2025
676
applications, 2025
21
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Truity Federal Credit Union is a home-purchase lender with loans more than twice the size of similar credit unions', but its lending fell in 2025 while theirs grew.
Purchases made up 75.9% of its loans, refinances only 9.1%. Its typical loan was $235,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), larger than at all but a few of them. It lends across 21 states, most of all in Oklahoma.
It made 440 loans, 12% fewer than a year earlier, while similar lenders grew 6% and the whole market 10%. It had made between 490 and 504 loans a year from 2022 to 2024. Its dollar volume barely moved, at $139.0 million, because its loans got bigger.
Its share of the Lawrence, Kansas market fell from 6.7% to 3.8%, though it still ranks fifth of 222 lenders and has lent there since 1991. Lawrence is a small market, where a few large loans by rivals can move shares a long way; its own lending also fell 12% across all its markets. In non-metro Oklahoma it ranks 21 of 538.
Some 18.3% of its loans went to low- and moderate-income neighborhoods, against 15.4% at similar lenders. But only 20.1% went to low- and moderate-income borrowers, against 27.6%. A lender of larger purchase loans may simply draw buyers with higher incomes.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Truity Federal Credit Union took 676 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.9% · Other 13.4% · Refinance 9.1% · Home improvement 1.6%
Conventional 99.1% · FHA 0.9% · of 440 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Oklahoma | 204 | 46.4% |
| Kansas | 149 | 33.9% |
| Texas | 29 | 6.6% |
| Missouri | 20 | 4.5% |
| Alaska | 8 | 1.8% |
| Arkansas | 5 | 1.1% |
| Alabama | 3 | 0.7% |
| Colorado | 3 | 0.7% |
| Connecticut | 2 | 0.5% |
| Florida | 2 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lawrence | 94 |
| Tulsa | 50 |
| Kansas City | 35 |
| Houston-Pasadena-The Woodlands | 21 |
| Topeka | 20 |
| Anchorage | 8 |
| Oklahoma City | 4 |
| Austin-Round Rock-San Marcos | 3 |
| Fayetteville-Springdale-Rogers | 3 |
| Wichita | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Q1YFRSB8UEGH03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 518774 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53130 | 1991–2017 |
Established 1 January 1939. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Truity Federal Credit Union's data.
Truity Federal Credit Union's data
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Truity Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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