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Truity Federal Credit Union
Credit Union|Bartlesville, OK|Multi-Region
Loans Originated
338
Applications
436
Volume
$101 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.077%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,100
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
77.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
Report Card
Truity Federal Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Strong | Multi-Regional · 5 metro areas · 17 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$299,231
Average Borrower Income
$163,272
Average Property Value
$393,249
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Strong | 331 | 97.9% | +0.071% | $1,116 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Strong | 318 | 94.1% | +0.072% | $1,119 |
Refinance | Sound | Acceptable | N/A | Strong | 20 | 5.9% | +0.154% | $804 |
Geographic Coverage
Metro Areas
4
States Served
17
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AKARAZCACOFLILKSLAMNMONCNDNYOHOKTX
Top Metro Areas by Place Specialization Score
1
Lawrence, KS, KSMSA
Volume: 84Mix: 24.85%
Place Specialization
Exceptional
2
Tulsa, OK, OKMSA
Volume: 40Mix: 11.83%
Place Specialization
Sound
3
Houston, TXMSA
Volume: 24Mix: 7.10%
Place Specialization
Sound
4
Kansas City, MO, MO-KSMSA
Volume: 12Mix: 3.55%
Place Specialization
Sound
Top States by Place Specialization Score
1
KSState
Volume: 109Mix: 32.25%
Place Specialization
Strong
2
OKState
Volume: 160Mix: 47.34%
Place Specialization
Strong
3
TXState
Volume: 30Mix: 8.88%
Place Specialization
Sound
4
AKState
Volume: 10Mix: 2.96%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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