Truity Federal Credit Union in Oklahoma vs the state
7.4%Denial rate-10.51 pts vs state
9.4%Decision denial rate-13.43 pts vs state
68.7%Origination rate+12.59 pts vs state
6.63%Median rate0.00 pts vs state
0.10Rate spread (pts)-0.24 pts vs state
$110kMedian applicant income
204Loans originated
22Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 246 | 178 | 8.5% | 6.50% | #97 |
| 2024 | 303 | 228 | 10.9% | 6.75% | #86 |
| 2025 | 297 | 204 | 7.4% | 6.63% | #96 |
What Truity Federal Credit Union lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Truity Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 196 | 134 | 16 | 8.2% |
| Tulsa County | 32 | 21 | 2 | 6.3% |
| Osage County | 18 | 14 | 0 | 0.0% |
| Rogers County | 12 | 10 | 1 | 8.3% |
| Nowata County | 9 | 5 | 0 | 0.0% |
| Wagoner County | 5 | 3 | 2 | 40.0% |
| Payne County | 4 | 4 | 0 | 0.0% |
| Delaware County | 3 | 1 | 1 | 33.3% |
| Okmulgee County | 3 | 1 | 0 | 0.0% |
| Kay County | 3 | 3 | 0 | 0.0% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 297 applications in 2025, of which 204 were originated and 22 denied.
7.4% of all applications, or 9.4% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Truity Federal Credit Union originated in Oklahoma in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Truity Federal Credit Union's own HMDA filing for properties located in Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology