Truity Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
36th13.1% deniedPricingmedian rate spread over APOR, weight 30%
73rd0.08 ptsProcesswithdrawn + incomplete share, weight 15%
14th22.9%Closing coststotal loan costs ÷ loan amount, weight 10%
61st1.64% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 769 | 490 | 17.7% | 21.6% | 6.50% | $134M |
| 2024 | 704 | 502 | 10.8% | 13.0% | 6.63% | $137M |
| 2025 | 676 | 440 | 10.1% | 13.1% | 6.60% | $139M |
What Truity Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 7 home-equity lines, 0 reverse mortgages, 8 manufactured homes, 54 investment properties.
Why Truity Federal Credit Union denies applications
Primary reason reported for each of the 68 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Truity Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 76 | 38 | 35.0% |
| $50k – $100k | 189 | 111 | 18.3% |
| $100k – $150k | 130 | 90 | 7.9% |
| $150k – $250k | 165 | 119 | 6.9% |
| Over $250k | 108 | 81 | 1.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 27 | 19 | 13.6% |
| 25–34 | 139 | 95 | 11.6% |
| 35–44 | 169 | 109 | 13.7% |
| 45–54 | 113 | 68 | 13.6% |
| 55–64 | 97 | 55 | 14.7% |
| 65–74 | 69 | 44 | 12.0% |
Where Truity Federal Credit Union lends
30 states and 111 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Truity Federal Credit Union denied 13.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 36th percentile of small mortgage lenders.
The most common reason Truity Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 47.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Truity Federal Credit Union originated in 2025 was 6.60%, and its median rate spread over the average prime offer rate was 0.08 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 67% of its applications were for home purchases, 13% for refinancing (including cash-out), and 20% for home improvement or other purposes. By loan type: 97% conventional, 3% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.