True Sky Credit Union mortgage approval rate & lending review
True Sky Credit Union decided 407 mortgage applications and funded 224 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions True Sky Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
True Sky Credit Union at a glance
Approval is 20.5 points below the 77.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 61% | 80 / 132 | 96% | $155K | 77 |
| Cash-out refinance | 72% | 94 / 131 | 96% | $105K | 90 |
| Refinance | 39% | 42 / 109 | 100% | $55K | 42 |
True Sky Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma | 57% | $105K | 403 | 222 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where True Sky Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma County, OK | Cash-out refinance | 59% | 66 | 37 |
| Cleveland County, OK | Cash-out refinance | 82% | 34 | 28 |
| Canadian County, OK | Cash-out refinance | 89% | 27 | 22 |
| Oklahoma County, OK | Refinance | 29% | 65 | 19 |
| Canadian County, OK | Refinance | 48% | 25 | 12 |
The county markets where True Sky Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about True Sky Credit Union
What is True Sky Credit Union's mortgage approval rate?
True Sky Credit Union approved 56.8% of the 407 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 20.5 points below the 77.3% national rate for the same mix of loan types.
How often do borrowers take the loan True Sky Credit Union offers?
Borrowers accepted 97% of the loans True Sky Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does True Sky Credit Union make?
The typical home purchase mortgage loan True Sky Credit Union made was $155K; across all loan types its typical loan ran from $55K to $155K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does True Sky Credit Union lend?
True Sky Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Oklahoma, California and Nevada.
Can I apply to True Sky Credit Union directly?
Yes. True Sky Credit Union is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show True Sky Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how True Sky Credit Union treats applications, then get a rate quote from the lender.