Truity Federal Credit Union Mortgage Rates, Fees & Info
Bartlesville, OKLEI: 549300Q1YFRSB8UEGH03
Tax ID: 73-0561962
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Truity Federal Credit Union is a smaller credit union specializing in Home Purchase loans. Truity Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Lawrence, Bartlesville, Houston, Tulsa, and Fayetteville among others. We have data for 68 markets. (Some data included below & more in-depth data is available with an active subscription.)Truity Federal Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Truity Federal Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.45% | 12/16/24 |
| 30 Year Conventional Refi | 6.31% | 12/16/24 |
| 30 Year Cash-out Refi | 6.70% | 12/16/24 |
| 15 Year Conventional Purchase | 5.74% | 12/16/24 |
| 15 Year Conventional Refi | 5.48% | 12/16/24 |
| 15 Year Cash-out Refi | 5.48% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Truity Federal Credit Union Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Truity Federal Credit Union. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
722Origination Dollar Volume (All Markets)
$156,550,000Awards
Truity Federal Credit Union - 2019
Truity Federal Credit Union is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
Work for Truity Federal Credit Union?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| LAWRENCE, KS (FHA|USDA|VA) | 195 | $38,565,000 | $197,769 | $1,653 | 3.97% |
| Bartlesville, OK (FHA|USDA|VA) | 162 | $24,040,000 | $148,395 | $2,423 | 4.08% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 76 | $23,780,000 | $312,895 | $3,553 | 3.82% |
| TULSA, OK (FHA|USDA|VA) | 40 | $13,170,000 | $329,250 | $3,192 | 3.96% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 46 | $9,290,000 | $201,957 | $1,883 | 3.93% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 31 | $5,705,000 | $184,032 | $1,735 | 4.17% |
| ANCHORAGE, AK (FHA|USDA|VA) | 9 | $4,135,000 | $459,444 | $2,184 | 3.76% |
| Outside of Metro Areas | 22 | $3,660,000 | $166,364 | $2,440 | 4.03% |
| TOPEKA, KS (FHA|USDA|VA) | 15 | $3,075,000 | $205,000 | $1,729 | 4.00% |
| Dickinson, ND (FHA|USDA|VA) | 7 | $2,055,000 | $293,571 | $2,328 | 3.71% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $1,925,000 | $275,000 | $3,779 | 4.04% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 7 | $1,885,000 | $269,286 | $1,976 | 3.84% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 4 | $1,770,000 | $442,500 | $6,972 | 4.00% |
| BILLINGS, MT (FHA|USDA|VA) | 5 | $1,745,000 | $349,000 | $4,280 | 3.83% |
| BELLINGHAM, WA (FHA|USDA|VA) | 5 | $1,615,000 | $323,000 | $5,220 | 3.80% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 10 | $1,530,000 | $153,000 | $2,411 | 3.99% |
| AMARILLO, TX (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $5,053 | 3.91% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $3,455 | 3.72% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $3,875 | 3.63% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $7,054 | 4.00% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $6,777 | 3.81% |
| Ponca City, OK (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $3,749 | 3.41% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,185 | 5.17% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $2,429 | 3.63% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,144 | 3.56% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $2,193 | 3.88% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $1,981 | 3.96% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,838 | 4.63% |
| MANHATTAN, KS (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $1,714 | 4.04% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,925 | 3.13% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,560 | 3.75% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,867 | 4.38% |
| Brenham, TX (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,946 | 4.50% |
| Stillwater, OK (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $2,651 | 4.06% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,417 | 3.25% |
| Mount Pleasant, MI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,440 | 4.38% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,010 | 3.75% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,977 | 4.75% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,122 | 3.63% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,001 | 3.75% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,085 | 3.75% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,788 | 4.25% |
| Roswell, NM (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,162 | 4.38% |
| Coffeyville, KS (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $1,792 | 3.63% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,947 | 4.38% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,874 | 3.88% |
| Tahlequah, OK (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,391 | 3.88% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,088 | 3.75% |
| Garden City, KS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,744 | 4.25% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,143 | 3.88% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,063 | 4.75% |
| Ottawa, KS (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $1,784 | 4.25% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,336 | 4.13% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,695 | 3.75% |
| Pampa, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,814 | 4.50% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,107 | 4.13% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,640 | 3.75% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,166 | 3.63% |
| Paris, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,243 | 4.75% |
| Borger, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,101 | 3.25% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,010 | 4.50% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,154 | 3.88% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,050 | 4.13% |
| Bonham, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,984 | 3.75% |
| Elk City, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,289 | 3.75% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,045 | 6.00% |
| Branson, MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,762 | 3.13% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,615 | 3.88% |
Similar Lenders
We use machine learning to identify the top lenders compared against Truity Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 45
Similarity Rank: 77
Similarity Rank: 84
Similarity Rank: 115
Similarity Rank: 140
Similarity Rank: 141
Similarity Rank: 160
Similarity Rank: 168
Similarity Rank: 196
Similarity Rank: 210
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 722 | $156,550,000 | $216,828 | $2,439 | 3.98% |
For 2019, Truity Federal Credit Union's most frequently originated type of loan was Conventional, with 722 originations.
Loan Reason
For 2019, Truity Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 554 originations. The 2nd most popular reason was Refi, with 52 originations.
Loan Duration/Length
For 2019, Truity Federal Credit Union's most frequently cited loan duration was 30 Year, with 481 originations. The 2nd most popular length was 15 Year, with 156 originations.
Origination Fees/Closing Costs
Truity Federal Credit Union's average total fees were $2,463, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 637 originations.
Interest Rates
During 2019, Truity Federal Credit Union's average interest rate for loans was 4.04%, while their most frequently originated rate bucket for loans was 3-4%, with 426 originations.
Loan Sizing
2019 saw Truity Federal Credit Union place emphasis on $100k-200k loans with 264 originations, totaling $39,370,000 in origination value.
Applicant Income
Truity Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 185 originations. The second most popular income band? $150k-250k, with 157 originations.
Applicant Debt to Income Ratio
Truity Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 215 originations. The next most common DTI ratio? 30-36%, with 139 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.87%
Truity Federal Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination79.09%
Truity Federal Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 722 | $156,550,000 | $216,828 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 3 | $395,000 | $131,667 |
| Single Family (1-4 Units):Site-Built | 719 | $156,155,000 | $217,184 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| TRIAD FINANCIAL SERVICES, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 14.3% |
| TRIAD FINANCIAL SERVICES, INC. | Conventional home mortgage | Closing on a mortgage | 2 | 28.6% |
| TRIAD FINANCIAL SERVICES, INC. | Conventional home mortgage | Trouble during payment process | 2 | 28.6% |
| TRIAD FINANCIAL SERVICES, INC. | Other type of mortgage | Closing on a mortgage | 1 | 14.3% |
| TRIAD FINANCIAL SERVICES, INC. | Other type of mortgage | Trouble during payment process | 1 | 14.3% |