Truliant Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Truliant Federal Credit Union 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Truliant Federal Credit Union 3200 Truliant Way Winston-Salem, NC 27103 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,782 |
| Total Mortgage Loan Application Amount | $172,933,000 |
| Average Mortgage Loan Application Amount | $103,891 |
| Highest Mortgage Loan Application Amount | $916,000 |
| Average Applicant Income | $62,621 |
| Highest Applicant Income | $451,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Truliant Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Truliant Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Truliant Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Truliant Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Truliant Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Truliant Federal Credit Union's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Forsyth County North Carolina | 252 | $ 19,855,000 | $ 78,000 | $ 49,000 |
| Guilford County North Carolina | 205 | $ 22,795,000 | $ 111,000 | $ 46,000 |
| Mecklenburg County North Carolina | 92 | $ 9,351,000 | $ 101,000 | $ 58,000 |
| Alamance County North Carolina | 88 | $ 7,597,000 | $ 86,000 | $ 44,000 |
| Gaston County North Carolina | 61 | $ 4,029,000 | $ 66,000 | $ 46,000 |
| Randolph County North Carolina | 55 | $ 3,356,000 | $ 61,000 | $ 47,000 |
| Henrico County Virginia | 43 | $ 4,351,000 | $ 101,000 | $ 65,000 |
| Harnett County North Carolina | 42 | $ 3,274,000 | $ 77,000 | $ 48,000 |
| Davidson County North Carolina | 41 | $ 3,270,000 | $ 79,000 | $ 43,000 |
| Chesterfield County Virginia | 32 | $ 3,820,000 | $ 119,000 | $ 69,000 |
| Wythe County Virginia | 28 | $ 1,762,000 | $ 62,000 | $ 36,000 |
| Cleveland County North Carolina | 27 | $ 1,628,000 | $ 60,000 | $ 47,000 |
| Pulaski County Virginia | 26 | $ 1,903,000 | $ 73,000 | $ 40,000 |
| Stokes County North Carolina | 19 | $ 1,658,000 | $ 87,000 | $ 44,000 |
| Wake County North Carolina | 19 | $ 2,236,000 | $ 117,000 | $ 70,000 |
| Cumberland County North Carolina | 18 | $ 990,000 | $ 55,000 | $ 21,000 |
| Greenville County South Carolina | 18 | $ 1,804,000 | $ 100,000 | $ 51,000 |
| Richmond City County Virginia | 17 | $ 1,513,000 | $ 89,000 | $ 60,000 |
| Duval County Florida | 16 | $ 1,570,000 | $ 98,000 | $ 60,000 |
| Rockingham County North Carolina | 15 | $ 1,172,000 | $ 78,000 | $ 46,000 |
| Hanover County Virginia | 15 | $ 1,591,000 | $ 106,000 | $ 73,000 |
| Cabarrus County North Carolina | 13 | $ 1,614,000 | $ 124,000 | $ 57,000 |
| Iredell County North Carolina | 12 | $ 1,348,000 | $ 112,000 | $ 69,000 |
| Union County North Carolina | 12 | $ 1,467,000 | $ 122,000 | $ 56,000 |
| Henry County Virginia | 11 | $ 607,000 | $ 55,000 | $ 42,000 |
| Davie County North Carolina | 10 | $ 1,008,000 | $ 100,000 | $ 50,000 |
| Yadkin County North Carolina | 10 | $ 1,034,000 | $ 103,000 | $ 43,000 |
| Cherokee County South Carolina | 10 | $ 452,000 | $ 45,000 | $ 32,000 |
| York County South Carolina | 10 | $ 850,000 | $ 85,000 | $ 66,000 |
| Spartanburg County South Carolina | 9 | $ 1,137,000 | $ 126,000 | $ 64,000 |
| Carroll County Virginia | 9 | $ 447,000 | $ 49,000 | $ 39,000 |
| Moore County North Carolina | 8 | $ 688,000 | $ 86,000 | $ 42,000 |
| Anderson County South Carolina | 8 | $ 686,000 | $ 85,000 | $ 43,000 |
| Chatham County North Carolina | 7 | $ 638,000 | $ 91,000 | $ 64,000 |
| Hoke County North Carolina | 7 | $ 382,000 | $ 54,000 | $ 25,000 |
| Surry County North Carolina | 7 | $ 761,000 | $ 108,000 | $ 58,000 |
| Stark County Ohio | 7 | $ 532,000 | $ 76,000 | $ 73,000 |
| Caswell County North Carolina | 6 | $ 407,000 | $ 67,000 | $ 50,000 |
| Catawba County North Carolina | 6 | $ 570,000 | $ 95,000 | $ 51,000 |
| Lincoln County North Carolina | 6 | $ 722,000 | $ 120,000 | $ 81,000 |
| Orange County North Carolina | 6 | $ 539,000 | $ 89,000 | $ 58,000 |
| Rowan County North Carolina | 6 | $ 859,000 | $ 143,000 | $ 62,000 |
| Horry County South Carolina | 6 | $ 681,000 | $ 113,000 | $ 40,000 |
| Bland County Virginia | 6 | $ 380,000 | $ 63,000 | $ 68,000 |
| Grayson County Virginia | 6 | $ 447,000 | $ 74,000 | $ 44,000 |
| Patrick County Virginia | 6 | $ 392,000 | $ 65,000 | $ 43,000 |
| Stanly County North Carolina | 5 | $ 297,000 | $ 59,000 | $ 47,000 |
| Floyd County Virginia | 5 | $ 526,000 | $ 105,000 | $ 62,000 |
| Montgomery County Virginia | 5 | $ 339,000 | $ 67,000 | $ 52,000 |
| St. Johns County Florida | 4 | $ 388,000 | $ 97,000 | $ 49,000 |
| Goochland County Virginia | 4 | $ 698,000 | $ 174,000 | $ 109,000 |
| Louisa County Virginia | 4 | $ 440,000 | $ 110,000 | $ 41,000 |
| Gwinnett County Georgia | 3 | $ 347,000 | $ 115,000 | $ 47,000 |
| Alleghany County North Carolina | 3 | $ 387,000 | $ 129,000 | $ 94,000 |
| Durham County North Carolina | 3 | $ 166,000 | $ 55,000 | $ 64,000 |
| Person County North Carolina | 3 | $ 168,000 | $ 56,000 | $ 66,000 |
| Rutherford County North Carolina | 3 | $ 217,000 | $ 72,000 | $ 59,000 |
| Watauga County North Carolina | 3 | $ 248,000 | $ 82,000 | $ 48,000 |
| Davidson County Tennessee | 3 | $ 222,000 | $ 74,000 | $ 39,000 |
| King William County Virginia | 3 | $ 186,000 | $ 62,000 | $ 53,000 |
| Martinsville County Virginia | 3 | $ 188,000 | $ 62,000 | $ 36,000 |
| Smyth County Virginia | 3 | $ 194,000 | $ 64,000 | $ 35,000 |
| Mercer County West Virginia | 3 | $ 160,000 | $ 53,000 | $ 46,000 |
| Brevard County Florida | 2 | $ 158,000 | $ 79,000 | $ 88,000 |
| Hillsborough County Florida | 2 | $ 272,000 | $ 136,000 | $ 45,000 |
| Palm Beach County Florida | 2 | $ 342,000 | $ 171,000 | $ 70,000 |
| Henry County Georgia | 2 | $ 264,000 | $ 132,000 | $ 61,000 |
| Burke County North Carolina | 2 | $ 116,000 | $ 58,000 | $ 45,000 |
| Caldwell County North Carolina | 2 | $ 64,000 | $ 32,000 | $ 39,000 |
| Franklin County North Carolina | 2 | $ 110,000 | $ 55,000 | $ 59,000 |
| Henderson County North Carolina | 2 | $ 250,000 | $ 125,000 | $ 57,000 |
| Lenoir County North Carolina | 2 | $ 50,000 | $ 25,000 | $ 24,000 |
| Montgomery County North Carolina | 2 | $ 171,000 | $ 85,000 | $ 49,000 |
| Pamlico County North Carolina | 2 | $ 453,000 | $ 226,000 | $ 131,000 |
| Franklin County Ohio | 2 | $ 185,000 | $ 92,000 | $ 75,000 |
| Summit County Ohio | 2 | $ 164,000 | $ 82,000 | $ 63,000 |
| Pickens County South Carolina | 2 | $ 339,000 | $ 169,000 | $ 97,000 |
| Sumter County South Carolina | 2 | $ 143,000 | $ 71,000 | $ 0 |
| Sevier County Tennessee | 2 | $ 136,000 | $ 68,000 | $ 62,000 |
| Chesapeake County Virginia | 2 | $ 58,000 | $ 29,000 | $ 44,000 |
| Hopewell County Virginia | 2 | $ 92,000 | $ 46,000 | $ 34,000 |
| Loudoun County Virginia | 2 | $ 416,000 | $ 208,000 | $ 153,000 |
| Middlesex County Virginia | 2 | $ 289,000 | $ 144,000 | $ 118,000 |
| New Kent County Virginia | 2 | $ 225,000 | $ 112,000 | $ 56,000 |
| Powhatan County Virginia | 2 | $ 60,000 | $ 30,000 | $ 64,000 |
| Dale County Alabama | 1 | $ 124,000 | $ 124,000 | $ 60,000 |
| Limestone County Alabama | 1 | $ 140,000 | $ 140,000 | $ 128,000 |
| Shelby County Alabama | 1 | $ 109,000 | $ 109,000 | $ 27,000 |
| Maricopa County Arizona | 1 | $ 109,000 | $ 109,000 | $ 35,000 |
| Pima County Arizona | 1 | $ 180,000 | $ 180,000 | $ 72,000 |
| San Bernardino County California | 1 | $ 249,000 | $ 249,000 | $ 49,000 |
| District of Columbia County District Of Columbia | 1 | $ 218,000 | $ 218,000 | $ 52,000 |
| Broward County Florida | 1 | $ 198,000 | $ 198,000 | $ 96,000 |
| Citrus County Florida | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Martin County Florida | 1 | $ 167,000 | $ 167,000 | $ 33,000 |
| Miami-Dade County Florida | 1 | $ 315,000 | $ 315,000 | $ 87,000 |
| Osceola County Florida | 1 | $ 20,000 | $ 20,000 | $ 133,000 |
| Pasco County Florida | 1 | $ 183,000 | $ 183,000 | $ 53,000 |
| Pinellas County Florida | 1 | $ 169,000 | $ 169,000 | $ 56,000 |
| Cobb County Georgia | 1 | $ 203,000 | $ 203,000 | $ 85,000 |
| DeKalb County Georgia | 1 | $ 24,000 | $ 24,000 | $ 12,000 |
| Harris County Georgia | 1 | $ 160,000 | $ 160,000 | $ 68,000 |
| Paulding County Georgia | 1 | $ 154,000 | $ 154,000 | $ 48,000 |
| Cook County Illinois | 1 | $ 35,000 | $ 35,000 | $ 85,000 |
| Marion County Indiana | 1 | $ 137,000 | $ 137,000 | $ 47,000 |
| Terrebonne County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 70,000 |
| Avery County North Carolina | 1 | $ 199,000 | $ 199,000 | $ 279,000 |
| Bladen County North Carolina | 1 | $ 104,000 | $ 104,000 | $ 58,000 |
| Brunswick County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 84,000 |
| Buncombe County North Carolina | 1 | $ 42,000 | $ 42,000 | $ 72,000 |
| Halifax County North Carolina | 1 | $ 43,000 | $ 43,000 | $ 35,000 |
| Johnston County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 84,000 |
| Lee County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 30,000 |
| McDowell County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 57,000 |
| Nash County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 70,000 |
| New Hanover County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 31,000 |
| Pender County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 66,000 |
| Scotland County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 37,000 |
| Transylvania County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 45,000 |
| Wayne County North Carolina | 1 | $ 109,000 | $ 109,000 | $ 98,000 |
| Wilkes County North Carolina | 1 | $ 10,000 | $ 10,000 | $ 30,000 |
| Columbiana County Ohio | 1 | $ 36,000 | $ 36,000 | $ 22,000 |
| Delaware County Ohio | 1 | $ 18,000 | $ 18,000 | $ 75,000 |
| Medina County Ohio | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Carter County Oklahoma | 1 | $ 90,000 | $ 90,000 | $ 92,000 |
| Tulsa County Oklahoma | 1 | $ 59,000 | $ 59,000 | $ 35,000 |
| Chester County Pennsylvania | 1 | $ 400,000 | $ 400,000 | $ 140,000 |
| Philadelphia County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| Pike County Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 80,000 |
| Beaufort County South Carolina | 1 | $ 324,000 | $ 324,000 | $ 105,000 |
| Charleston County South Carolina | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Chester County South Carolina | 1 | $ 40,000 | $ 40,000 | $ 56,000 |
| Florence County South Carolina | 1 | $ 41,000 | $ 41,000 | $ 97,000 |
| Greenwood County South Carolina | 1 | $ 90,000 | $ 90,000 | $ 84,000 |
| Kershaw County South Carolina | 1 | $ 59,000 | $ 59,000 | $ 53,000 |
| Marlboro County South Carolina | 1 | $ 45,000 | $ 45,000 | $ 61,000 |
| Oconee County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 94,000 |
| Richland County South Carolina | 1 | $ 20,000 | $ 20,000 | $ 62,000 |
| Hickman County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Lawrence County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Madison County Tennessee | 1 | $ 162,000 | $ 162,000 | $ 116,000 |
| Bexar County Texas | 1 | $ 160,000 | $ 160,000 | $ 85,000 |
| Collin County Texas | 1 | $ 164,000 | $ 164,000 | $ 53,000 |
| Alleghany County Virginia | 1 | $ 43,000 | $ 43,000 | $ 25,000 |
| Campbell County Virginia | 1 | $ 27,000 | $ 27,000 | $ 55,000 |
| Charles City County Virginia | 1 | $ 78,000 | $ 78,000 | $ 31,000 |
| Charlottesville County Virginia | 1 | $ 166,000 | $ 166,000 | $ 88,000 |
| Colonial Heights County Virginia | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Craig County Virginia | 1 | $ 13,000 | $ 13,000 | $ 31,000 |
| Danville County Virginia | 1 | $ 65,000 | $ 65,000 | $ 37,000 |
| Fairfax County Virginia | 1 | $ 500,000 | $ 500,000 | $ 301,000 |
| Galax County Virginia | 1 | $ 94,000 | $ 94,000 | $ 49,000 |
| Giles County Virginia | 1 | $ 94,000 | $ 94,000 | $ 43,000 |
| Greene County Virginia | 1 | $ 288,000 | $ 288,000 | $ 110,000 |
| Halifax County Virginia | 1 | $ 61,000 | $ 61,000 | $ 33,000 |
| Mecklenburg County Virginia | 1 | $ 41,000 | $ 41,000 | $ 102,000 |
| Newport News County Virginia | 1 | $ 45,000 | $ 45,000 | $ 64,000 |
| Petersburg County Virginia | 1 | $ 96,000 | $ 96,000 | $ 27,000 |
| Pittsylvania County Virginia | 1 | $ 36,000 | $ 36,000 | $ 23,000 |
| Radford County Virginia | 1 | $ 46,000 | $ 46,000 | $ 50,000 |
| Virginia Beach County Virginia | 1 | $ 100,000 | $ 100,000 | $ 61,000 |
| Washington County Virginia | 1 | $ 70,000 | $ 70,000 | $ 33,000 |
Mortgage Loan Application Detail Totals for Truliant Federal Credit Union in 2005
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 849 | $102,944,000 | $128,062 | $750,000 | $60,937 | $417,000 |
| Refinancing | 670 | $57,874,000 | $107,153 | $916,000 | $61,846 | $301,000 |
| Home Improvement | 263 | $12,115,000 | $50,250 | $221,000 | $67,250 | $451,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,068 | $106,918,000 | $110,812 | $750,000 | $63,250 | $451,000 |
| Not Provided | 295 | $25,735,000 | $102,416 | $916,000 | $66,750 | $262,000 |
| Not applicable | 207 | $19,936,000 | $77,250 | $675,000 | $0 | $56,000 |
| Black or African American | 143 | $13,624,000 | $71,625 | $500,000 | $49,625 | $301,000 |
| Hispanic | 38 | $3,189,000 | $122,000 | $325,000 | $45,833 | $124,000 |
| Asian | 15 | $2,310,000 | $198,600 | $400,000 | $74,400 | $143,000 |
| American Indian or Alaskan Native | 14 | $1,180,000 | $74,500 | $170,000 | $38,500 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $41,000 | $20,000 | $21,000 | $40,000 | $57,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,782 | $172,933,000 | $123,052 | $916,000 | $62,315 | $451,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,180 | $105,900,000 | $120,812 | $916,000 | $61,375 | $417,000 |
| Application Denied By Financial Institution | 184 | $16,303,000 | $121,181 | $750,000 | $61,818 | $451,000 |
| Preapproval Approved but not Accepted | 130 | $20,139,000 | $154,000 | $405,000 | $58,000 | $294,000 |
| Application Withdrawn By Applicant | 95 | $6,053,000 | $73,333 | $379,000 | $61,222 | $180,000 |
| Application Approved But Not Accepted | 78 | $10,283,000 | $114,125 | $520,000 | $63,875 | $226,000 |
| Preapproval Denied by Financial Institution | 75 | $9,289,000 | $123,000 | $325,000 | $41,000 | $140,000 |
| File Closed For Incompleteness | 40 | $4,966,000 | $104,200 | $380,000 | $52,800 | $262,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Other | 167 | $15,196,000 | $117,777 | $750,000 | $53,888 | $240,000 |
| Credit History | 58 | $6,662,000 | $131,714 | $325,000 | $52,571 | $124,000 |
| Debt-To-Income Ratio | 18 | $2,105,000 | $144,000 | $300,000 | $65,666 | $451,000 |
| Collateral | 14 | $1,421,000 | $86,000 | $240,000 | $59,333 | $113,000 |
| Unverifiable Information | 1 | $143,000 | $143,000 | $143,000 | $38,000 | $38,000 |
| Mortgage Insurance Denied | 1 | $65,000 | $65,000 | $65,000 | $49,000 | $49,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Truliant Federal Credit Union's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Truliant Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.