Get & compare mortgage quotes anonymously Start in My Home
TFCU
Unclaimed

Truity Federal Credit Union

Credit Union•Bartlesville, OKHQ•Direct•Reviews near you on Google

Truity Federal Credit Union has 338 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional
Place
Strong
4/5
Multi-Region · 4 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

Explore another lender or local market

Report Card

Truity Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+7.7 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume331
Mix97.9%
Spread
+0.071%Above
Fees
$1,116Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume318
Mix94.1%
Spread
+0.072%Above
Fees
$1,119Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing—
Pull Through
Strong
Volume20
Mix5.9%
Spread
+0.154%Above
Fees
$804Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
338
Applications
436
Volume
$101 million
Pricing & Closing
Avg Rate Spread
+0.077%
vs. market APOR
Avg Net Fees
$1,100
Origination − Credits
Pullthrough Rate
77.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$299,231
Avg Borrower Income
$163,272
Avg Property Value
$393,249

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
17
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

17
17 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
NY
Midwest6
ILKSMNMONDOH
South6
ARFLLANCOKTX
West4
AKAZCACO

Top Metro Areas by Place Specialization Score

1© Quasselkasper · Public domain
Lawrence, KSMetro
Volume 84Mix 24.85% of portfolio
89/100
Exceptional
2© w_lemay · CC BY-SA 2.0
Tulsa, OKMetro
Volume 40Mix 11.83% of portfolio
60/100
Sound
3© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 24Mix 7.10% of portfolio
50/100
Sound
4© Lasse Fuss · CC BY-SA 3.0
Kansas City, MO, MO-KSMetro
Volume 12Mix 3.55% of portfolio
44/100
Sound

Top States by Place Specialization Score

Kansas
Kansas
1
KansasState
Volume 109Mix 32.25% of portfolio
75/100
Strong
Oklahoma
Oklahoma
2
OklahomaState
Volume 160Mix 47.34% of portfolio
74/100
Strong
Texas
Texas
3
TexasState
Volume 30Mix 8.88% of portfolio
47/100
Sound
Alaska
Alaska
4
AlaskaState
Volume 10Mix 2.96% of portfolio
43/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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.

Looking for a different lender?

Are you the owner of Truity Federal Credit Union?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.