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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
Promptness
Not enough data
—/5
No quote responses measured yet
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

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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
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
331 loans · 0.07% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
318 loans · 0.07% above market
Strong
Top 40% of lenders
4/5
Refinance
20 loans · 0.15% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Strong
Top 40% of lenders
4/5

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

17Full-year 2024 · HMDA
17 states with loan originations
Loans originated
< 1010–5050–100100+None
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 the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 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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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.