TRUE SKY CREDIT UNION
TRUE SKY CREDIT UNION received 384 applications in 2025 and made 158 mortgages, in 26 counties across 3 states. The median rate its borrowers got was 6.750% on a median loan of $105,000. Of 285 decisions, 127 were denials — 44.6%, most often for credit history.
| Legal Entity Identifier | 549300M2HFFTNLBO7R56 |
|---|---|
| Applications received | 384 |
| Mortgages made | 158 |
| Denied | 127 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 99 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.586 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 46 | 6.500% | $145,000 | 41.0% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 81.3% |
| Cash-out refinancing | 44 | 6.750% | $105,000 | 37.1% |
| Other purposes | 62 | 7.000% | $65,000 | 40.9% |
Where TRUE SKY CREDIT UNION lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Oklahoma County, OK | 60 | 6.688% | 55.2% |
| Canadian County, OK | 36 | 6.750% | 20.0% |
| Cleveland County, OK | 34 | 7.000% | 27.7% |
| Grady County, OK | 6 | Under 10 loans | 50.0% |
| McClain County, OK | 6 | Under 10 loans | 25.0% |
| Lincoln County, OK | 4 | Under 10 loans | 55.6% |
| Logan County, OK | 2 | Under 10 loans | 71.4% |
| Contra Costa County, CA | 1 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| Yuba County, CA | 1 | Under 10 loans | 0.0% |
| Beckham County, OK | 1 | Under 10 loans | 0.0% |
| Caddo County, OK | 1 | Under 10 loans | 75.0% |
| Kingfisher County, OK | 1 | Under 10 loans | 0.0% |
| McIntosh County, OK | 1 | Under 10 loans | 50.0% |
| Payne County, OK | 1 | Under 10 loans | 66.7% |
| Pottawatomie County, OK | 1 | Under 10 loans | 50.0% |
| Tulsa County, OK | 1 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 0 | Under 10 loans | Not published |
| San Bernardino County, CA | 0 | Under 10 loans | 100.0% |
| Teller County, CO | 0 | Under 10 loans | 100.0% |
| Comanche County, OK | 0 | Under 10 loans | 100.0% |
| Custer County, OK | 0 | Under 10 loans | 100.0% |
| Garvin County, OK | 0 | Under 10 loans | 100.0% |
| Jefferson County, OK | 0 | Under 10 loans | Not published |
| Okmulgee County, OK | 0 | Under 10 loans | 100.0% |
| Rogers County, OK | 0 | Under 10 loans | Not published |
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When TRUE SKY CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.