Truity Federal Credit Union mortgage approval rate & lending review
Truity Federal Credit Union decided 675 mortgage applications and funded 615 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Truity Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Truity Federal Credit Union at a glance
Approval is 8.4 points above the 83.8% 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 | 94% | 484 / 514 | 99% | $245K | 477 |
| Home improvement loans | 85% | 62 / 73 | 100% | $55K | 62 |
| Investment property purchase | 90% | 38 / 42 | 100% | $145K | 38 |
Truity Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kansas | 92% | $245K | 356 | 324 |
| Texas | 94% | $405K | 107 | 99 |
| Oklahoma | 94% | $265K | 77 | 71 |
| Missouri | 88% | $245K | 32 | 28 |
| Alaska | 100% | $665K | 23 | 23 |
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 Truity Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Douglas County, KS | Mortgage lenders | 94% | 226 | 211 |
| Douglas County, KS | Home improvement loans | 88% | 32 | 28 |
| Shawnee County, KS | Mortgage lenders | 80% | 20 | 16 |
The county markets where Truity Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Truity Federal Credit Union
What is Truity Federal Credit Union's mortgage approval rate?
Truity Federal Credit Union approved 92.1% of the 675 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.4 points above the 83.8% national rate for the same mix of loan types.
How often do borrowers take the loan Truity Federal Credit Union offers?
Borrowers accepted 99% of the loans Truity Federal 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 Truity Federal Credit Union make?
The typical home purchase mortgage loan Truity Federal Credit Union made was $245K; across all loan types its typical loan ran from $55K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Truity Federal Credit Union lend?
Truity Federal Credit Union decided applications in 26 of the states Fat Boy Data covers, most of them in Kansas, Texas and Oklahoma.
Can I apply to Truity Federal Credit Union directly?
Yes. Truity Federal Credit Union is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Truity Federal 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 Truity Federal Credit Union treats applications, then get a rate quote from the lender.