# Truity Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/truity-federal-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

Truity Federal Credit Union is a credit union, headquartered in Bartlesville, OK, serving borrowers across 17 states, with 338 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 23% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 42% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300Q1YFRSB8UEGH03
- **Headquarters:** Bartlesville, OK
- **Geographic Reach:** Multi-Region
- **States Served:** 17
- **State List:** AK, AR, AZ, CA, CO, FL, IL, KS, LA, MN, MO, NC, ND, NY, OH, OK, TX
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.077%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,100
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 338
- **Dollar Volume:** $101 million
- **Applications Received:** 436
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $299,231
- **Average Borrower Income:** $163,272

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 331 | +0.071% | $1,116 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 311 loans, Score: 70/100 (Strong)
- Refinance: 20 loans, Score: 33/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 318 | $96M | +0.072% | Strong 😀 |
| Refinance | 30/100 | 20 | $5M | +0.154% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 160 | 0.39% | 74/100 |
| KS | 109 | 0.36% | 75/100 |
| TX | 30 | 0.01% | 47/100 |
| AK | 10 | 0.13% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 130 | 60/100 |
| Lawrence, KS | KS | 84 | 89/100 |
| Tulsa, OK | OK | 40 | 60/100 |
| Houston | TX | 24 | 50/100 |
| Kansas City, MO | MO-KS | 12 | 44/100 |

## Frequently Asked Questions

### What loan types does Truity Federal Credit Union offer?

Truity Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Truity Federal Credit Union offer mortgages?

Truity Federal Credit Union offers mortgages in 17 states: AK, AR, AZ, CA, CO, FL, IL, KS, LA, MN, MO, NC, ND, NY, OH, OK, TX.

### How competitive are Truity Federal Credit Union's mortgage rates?

Truity Federal Credit Union has a pricing score of 77/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.077% above market average.

### What type of lender is Truity Federal Credit Union?

Truity Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Bartlesville, OK.

### What is Truity Federal Credit Union's loan approval success rate?

Truity Federal Credit Union has a pull-through score of 58/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/truity-federal-credit-union

### How to Cite

> "Truity Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/truity-federal-credit-union

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