Truity Federal Credit Union
Truity Federal Credit Union received 671 applications in 2025 and made 440 mortgages, in 111 counties across 29 states. The median rate its borrowers got was 6.600% on a median loan of $235,000. Of 519 decisions, 66 were denials — 12.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300Q1YFRSB8UEGH03 |
|---|---|
| Applications received | 671 |
| Mortgages made | 440 |
| Denied | 66 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 152 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.08 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 334 | 6.500% | $245,000 | 6.5% |
| Refinancing | 24 | 6.625% | $385,000 | 20.0% |
| Cash-out refinancing | 16 | 6.625% | $135,000 | 23.8% |
| Other purposes | 66 | 6.950% | $155,000 | 32.0% |
Where Truity Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Washington County, OK | 134 | 6.625% | 10.3% |
| Douglas County, KS | 94 | 6.500% | 10.4% |
| Tulsa County, OK | 21 | 6.625% | 8.3% |
| Osage County, OK | 14 | 6.550% | 0.0% |
| Harris County, TX | 13 | 6.375% | 7.1% |
| Johnson County, KS | 10 | 6.563% | 9.1% |
| Rogers County, OK | 10 | 6.625% | 9.1% |
| Shawnee County, KS | 9 | Under 10 loans | 25.0% |
| Jackson County, MO | 8 | Under 10 loans | 11.1% |
| Anchorage Municipality, AK | 7 | Under 10 loans | 0.0% |
| Leavenworth County, KS | 6 | Under 10 loans | 33.3% |
| Osage County, KS | 6 | Under 10 loans | 0.0% |
| Wyandotte County, KS | 5 | Under 10 loans | 28.6% |
| Nowata County, OK | 5 | Under 10 loans | 0.0% |
| Jefferson County, KS | 4 | Under 10 loans | 33.3% |
| Cass County, MO | 4 | Under 10 loans | 20.0% |
| Payne County, OK | 4 | Under 10 loans | 0.0% |
| Franklin County, KS | 3 | Under 10 loans | 25.0% |
| Montgomery County, KS | 3 | Under 10 loans | 0.0% |
| Kay County, OK | 3 | Under 10 loans | 0.0% |
| Wagoner County, OK | 3 | Under 10 loans | 40.0% |
| Waller County, TX | 3 | Under 10 loans | 0.0% |
| Baldwin County, AL | 2 | Under 10 loans | 0.0% |
| Washington County, AR | 2 | Under 10 loans | 0.0% |
| Southeastern Connecticut Planning Region, CT | 2 | Under 10 loans | 0.0% |
| Sedgwick County, KS | 2 | Under 10 loans | 0.0% |
| Greene County, MO | 2 | Under 10 loans | 33.3% |
| Stone County, MO | 2 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 2 | Under 10 loans | 33.3% |
| Calhoun County, AL | 1 | Under 10 loans | 0.0% |
| Matanuska-Susitna Borough, AK | 1 | Under 10 loans | 0.0% |
| Benton County, AR | 1 | Under 10 loans | 50.0% |
| Crawford County, AR | 1 | Under 10 loans | 0.0% |
| Lafayette County, AR | 1 | Under 10 loans | 0.0% |
| Eagle County, CO | 1 | Under 10 loans | 0.0% |
| Huerfano County, CO | 1 | Under 10 loans | 0.0% |
| Larimer County, CO | 1 | Under 10 loans | 0.0% |
| Duval County, FL | 1 | Under 10 loans | 0.0% |
| Flagler County, FL | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Haralson County, GA | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Hancock County, IL | 1 | Under 10 loans | 0.0% |
| Cloud County, KS | 1 | Under 10 loans | 0.0% |
| Harvey County, KS | 1 | Under 10 loans | 0.0% |
| Jackson County, KS | 1 | Under 10 loans | 0.0% |
| Lyon County, KS | 1 | Under 10 loans | 0.0% |
| Pottawatomie County, KS | 1 | Under 10 loans | 33.3% |
| Riley County, KS | 1 | Under 10 loans | 0.0% |
| Seward County, KS | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.