Truliant Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Truliant Federal Credit Union 2006 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 | 1,853 |
| Total Mortgage Loan Application Amount | $165,948,000 |
| Average Mortgage Loan Application Amount | $79,666 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $432,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 204 | $ 14,569,000 | $ 71,000 | $ 41,000 |
| Guilford County North Carolina | 202 | $ 17,762,000 | $ 87,000 | $ 57,000 |
| Mecklenburg County North Carolina | 138 | $ 11,123,000 | $ 80,000 | $ 58,000 |
| Randolph County North Carolina | 101 | $ 6,336,000 | $ 62,000 | $ 43,000 |
| Alamance County North Carolina | 89 | $ 5,963,000 | $ 67,000 | $ 44,000 |
| Gaston County North Carolina | 71 | $ 5,196,000 | $ 73,000 | $ 46,000 |
| Davidson County North Carolina | 50 | $ 3,987,000 | $ 79,000 | $ 45,000 |
| Cleveland County North Carolina | 38 | $ 2,515,000 | $ 66,000 | $ 48,000 |
| Henrico County Virginia | 36 | $ 3,665,000 | $ 101,000 | $ 53,000 |
| Pulaski County Virginia | 34 | $ 1,718,000 | $ 50,000 | $ 43,000 |
| Henry County Virginia | 29 | $ 1,564,000 | $ 53,000 | $ 40,000 |
| Wake County North Carolina | 28 | $ 3,322,000 | $ 118,000 | $ 65,000 |
| Wythe County Virginia | 28 | $ 1,637,000 | $ 58,000 | $ 41,000 |
| Stokes County North Carolina | 26 | $ 1,894,000 | $ 72,000 | $ 56,000 |
| York County South Carolina | 24 | $ 3,042,000 | $ 126,000 | $ 73,000 |
| Davie County North Carolina | 19 | $ 2,313,000 | $ 121,000 | $ 55,000 |
| Union County North Carolina | 19 | $ 1,004,000 | $ 52,000 | $ 58,000 |
| Chesterfield County Virginia | 19 | $ 2,000,000 | $ 105,000 | $ 73,000 |
| Lincoln County North Carolina | 18 | $ 1,290,000 | $ 71,000 | $ 71,000 |
| Rockingham County North Carolina | 18 | $ 1,394,000 | $ 77,000 | $ 48,000 |
| Greenville County South Carolina | 17 | $ 1,240,000 | $ 72,000 | $ 47,000 |
| Hanover County Virginia | 17 | $ 2,314,000 | $ 136,000 | $ 81,000 |
| Stark County Ohio | 14 | $ 742,000 | $ 53,000 | $ 54,000 |
| Harnett County North Carolina | 13 | $ 835,000 | $ 64,000 | $ 7,000 |
| Surry County North Carolina | 13 | $ 1,066,000 | $ 82,000 | $ 43,000 |
| Montgomery County North Carolina | 12 | $ 556,000 | $ 46,000 | $ 39,000 |
| Duval County Florida | 11 | $ 1,438,000 | $ 130,000 | $ 66,000 |
| Cabarrus County North Carolina | 11 | $ 1,007,000 | $ 91,000 | $ 52,000 |
| Richmond City County Virginia | 10 | $ 686,000 | $ 68,000 | $ 57,000 |
| Brunswick County North Carolina | 7 | $ 1,531,000 | $ 218,000 | $ 87,000 |
| Caldwell County North Carolina | 7 | $ 441,000 | $ 63,000 | $ 49,000 |
| Catawba County North Carolina | 7 | $ 254,000 | $ 36,000 | $ 41,000 |
| Chatham County North Carolina | 7 | $ 600,000 | $ 85,000 | $ 37,000 |
| Cumberland County North Carolina | 7 | $ 311,000 | $ 44,000 | $ 18,000 |
| Durham County North Carolina | 7 | $ 761,000 | $ 108,000 | $ 67,000 |
| Moore County North Carolina | 7 | $ 476,000 | $ 68,000 | $ 55,000 |
| Orange County North Carolina | 7 | $ 521,000 | $ 74,000 | $ 66,000 |
| Spartanburg County South Carolina | 7 | $ 531,000 | $ 75,000 | $ 53,000 |
| Martinsville County Virginia | 7 | $ 474,000 | $ 67,000 | $ 42,000 |
| Iredell County North Carolina | 6 | $ 988,000 | $ 164,000 | $ 76,000 |
| Rutherford County North Carolina | 6 | $ 325,000 | $ 54,000 | $ 51,000 |
| Cherokee County South Carolina | 6 | $ 545,000 | $ 90,000 | $ 55,000 |
| Carroll County Virginia | 6 | $ 336,000 | $ 56,000 | $ 63,000 |
| Caswell County North Carolina | 5 | $ 330,000 | $ 66,000 | $ 38,000 |
| Horry County South Carolina | 5 | $ 668,000 | $ 133,000 | $ 95,000 |
| Pickens County South Carolina | 5 | $ 136,000 | $ 27,000 | $ 69,000 |
| Galax County Virginia | 5 | $ 418,000 | $ 83,000 | $ 63,000 |
| Patrick County Virginia | 5 | $ 358,000 | $ 71,000 | $ 48,000 |
| New Hanover County North Carolina | 4 | $ 403,000 | $ 100,000 | $ 60,000 |
| Rowan County North Carolina | 4 | $ 324,000 | $ 81,000 | $ 50,000 |
| Campbell County Virginia | 4 | $ 85,000 | $ 21,000 | $ 42,000 |
| Giles County Virginia | 4 | $ 315,000 | $ 78,000 | $ 29,000 |
| Grayson County Virginia | 4 | $ 349,000 | $ 87,000 | $ 36,000 |
| Montgomery County Virginia | 4 | $ 431,000 | $ 107,000 | $ 49,000 |
| Pittsylvania County Virginia | 4 | $ 274,000 | $ 68,000 | $ 63,000 |
| Powhatan County Virginia | 4 | $ 165,000 | $ 41,000 | $ 44,000 |
| Lake County Florida | 3 | $ 644,000 | $ 214,000 | $ 109,000 |
| Palm Beach County Florida | 3 | $ 534,000 | $ 178,000 | $ 87,000 |
| St. Johns County Florida | 3 | $ 359,000 | $ 119,000 | $ 74,000 |
| Gwinnett County Georgia | 3 | $ 292,000 | $ 97,000 | $ 20,000 |
| Burke County North Carolina | 3 | $ 170,000 | $ 56,000 | $ 32,000 |
| Craven County North Carolina | 3 | $ 188,000 | $ 62,000 | $ 127,000 |
| Anderson County South Carolina | 3 | $ 437,000 | $ 145,000 | $ 85,000 |
| Bristol County Virginia | 3 | $ 150,000 | $ 50,000 | $ 74,000 |
| New Kent County Virginia | 3 | $ 277,000 | $ 92,000 | $ 42,000 |
| Smyth County Virginia | 3 | $ 272,000 | $ 90,000 | $ 50,000 |
| Tazewell County Virginia | 3 | $ 210,000 | $ 70,000 | $ 31,000 |
| Clay County Florida | 2 | $ 342,000 | $ 171,000 | $ 103,000 |
| Marion County Florida | 2 | $ 132,000 | $ 66,000 | $ 103,000 |
| Nassau County Florida | 2 | $ 71,000 | $ 35,000 | $ 43,000 |
| DeKalb County Georgia | 2 | $ 262,000 | $ 131,000 | $ 71,000 |
| Cook County Illinois | 2 | $ 217,000 | $ 108,000 | $ 58,000 |
| Alleghany County North Carolina | 2 | $ 111,000 | $ 55,000 | $ 30,000 |
| Buncombe County North Carolina | 2 | $ 45,000 | $ 22,000 | $ 49,000 |
| Carteret County North Carolina | 2 | $ 277,000 | $ 138,000 | $ 39,000 |
| Granville County North Carolina | 2 | $ 120,000 | $ 60,000 | $ 45,000 |
| Hoke County North Carolina | 2 | $ 96,000 | $ 48,000 | $ 0 |
| Johnston County North Carolina | 2 | $ 107,000 | $ 53,000 | $ 106,000 |
| Richmond County North Carolina | 2 | $ 152,000 | $ 76,000 | $ 53,000 |
| Stanly County North Carolina | 2 | $ 209,000 | $ 104,000 | $ 68,000 |
| Yadkin County North Carolina | 2 | $ 101,000 | $ 50,000 | $ 76,000 |
| Wayne County Ohio | 2 | $ 219,000 | $ 109,000 | $ 69,000 |
| Florence County South Carolina | 2 | $ 136,000 | $ 68,000 | $ 80,000 |
| Georgetown County South Carolina | 2 | $ 57,000 | $ 28,000 | $ 42,000 |
| Greenwood County South Carolina | 2 | $ 174,000 | $ 87,000 | $ 137,000 |
| Laurens County South Carolina | 2 | $ 110,000 | $ 55,000 | $ 88,000 |
| Alexandria County Virginia | 2 | $ 977,000 | $ 488,000 | $ 208,000 |
| Franklin County Virginia | 2 | $ 100,000 | $ 50,000 | $ 26,000 |
| Goochland County Virginia | 2 | $ 250,000 | $ 125,000 | $ 52,000 |
| Roanoke County Virginia | 2 | $ 330,000 | $ 165,000 | $ 85,000 |
| Jefferson County Alabama | 1 | $ 256,000 | $ 256,000 | $ 95,000 |
| Maricopa County Arizona | 1 | $ 111,000 | $ 111,000 | $ 31,000 |
| Jefferson County Colorado | 1 | $ 22,000 | $ 22,000 | $ 58,000 |
| Brevard County Florida | 1 | $ 18,000 | $ 18,000 | $ 58,000 |
| Broward County Florida | 1 | $ 145,000 | $ 145,000 | $ 41,000 |
| Hillsborough County Florida | 1 | $ 65,000 | $ 65,000 | $ 75,000 |
| Lee County Florida | 1 | $ 53,000 | $ 53,000 | $ 14,000 |
| Miami-Dade County Florida | 1 | $ 122,000 | $ 122,000 | $ 34,000 |
| Orange County Florida | 1 | $ 68,000 | $ 68,000 | $ 40,000 |
| Osceola County Florida | 1 | $ 45,000 | $ 45,000 | $ 133,000 |
| Pinellas County Florida | 1 | $ 189,000 | $ 189,000 | $ 56,000 |
| Sumter County Florida | 1 | $ 84,000 | $ 84,000 | $ 29,000 |
| Carroll County Georgia | 1 | $ 210,000 | $ 210,000 | $ 135,000 |
| Effingham County Georgia | 1 | $ 174,000 | $ 174,000 | $ 70,000 |
| Fulton County Georgia | 1 | $ 70,000 | $ 70,000 | $ 95,000 |
| Jackson County Georgia | 1 | $ 20,000 | $ 20,000 | $ 36,000 |
| Will County Illinois | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Floyd County Indiana | 1 | $ 270,000 | $ 270,000 | $ 103,000 |
| Porter County Indiana | 1 | $ 299,000 | $ 299,000 | $ 125,000 |
| Johnson County Kansas | 1 | $ 104,000 | $ 104,000 | $ 57,000 |
| Fayette County Kentucky | 1 | $ 201,000 | $ 201,000 | $ 122,000 |
| Montgomery County Maryland | 1 | $ 170,000 | $ 170,000 | $ 55,000 |
| Prince George's County Maryland | 1 | $ 300,000 | $ 300,000 | $ 66,000 |
| Plymouth County Massachusetts | 1 | $ 218,000 | $ 218,000 | $ 85,000 |
| St. Louis City County Missouri | 1 | $ 162,000 | $ 162,000 | $ 60,000 |
| Alexander County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 64,000 |
| Anson County North Carolina | 1 | $ 61,000 | $ 61,000 | $ 21,000 |
| Dare County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 76,000 |
| Halifax County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 104,000 |
| Lee County North Carolina | 1 | $ 6,000 | $ 6,000 | $ 26,000 |
| Lenoir County North Carolina | 1 | $ 72,000 | $ 72,000 | $ 49,000 |
| McDowell County North Carolina | 1 | $ 40,000 | $ 40,000 | $ 45,000 |
| Pamlico County North Carolina | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Pasquotank County North Carolina | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Person County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 47,000 |
| Pitt County North Carolina | 1 | $ 56,000 | $ 56,000 | $ 28,000 |
| Polk County North Carolina | 1 | $ 36,000 | $ 36,000 | $ 22,000 |
| Sampson County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| Warren County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 64,000 |
| Watauga County North Carolina | 1 | $ 344,000 | $ 344,000 | $ 120,000 |
| Wilkes County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 13,000 |
| Cuyahoga County Ohio | 1 | $ 34,000 | $ 34,000 | $ 96,000 |
| Fairfield County Ohio | 1 | $ 25,000 | $ 25,000 | $ 107,000 |
| Harrison County Ohio | 1 | $ 108,000 | $ 108,000 | $ 236,000 |
| Tuscarawas County Ohio | 1 | $ 15,000 | $ 15,000 | $ 84,000 |
| Aiken County South Carolina | 1 | $ 250,000 | $ 250,000 | $ 41,000 |
| Beaufort County South Carolina | 1 | $ 38,000 | $ 38,000 | $ 37,000 |
| Lancaster County South Carolina | 1 | $ 22,000 | $ 22,000 | $ 42,000 |
| Marion County South Carolina | 1 | $ 30,000 | $ 30,000 | $ 27,000 |
| Union County South Carolina | 1 | $ 29,000 | $ 29,000 | $ 22,000 |
| Gibson County Tennessee | 1 | $ 29,000 | $ 29,000 | $ 36,000 |
| Jefferson County Tennessee | 1 | $ 36,000 | $ 36,000 | $ 406,000 |
| Knox County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 63,000 |
| Shelby County Tennessee | 1 | $ 200,000 | $ 200,000 | $ 65,000 |
| White County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| Henderson County Texas | 1 | $ 36,000 | $ 36,000 | $ 93,000 |
| Lubbock County Texas | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Williamson County Texas | 1 | $ 91,000 | $ 91,000 | $ 125,000 |
| Amelia County Virginia | 1 | $ 95,000 | $ 95,000 | $ 100,000 |
| Augusta County Virginia | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| Bedford County Virginia | 1 | $ 82,000 | $ 82,000 | $ 34,000 |
| Caroline County Virginia | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Colonial Heights County Virginia | 1 | $ 171,000 | $ 171,000 | $ 68,000 |
| Dinwiddie County Virginia | 1 | $ 46,000 | $ 46,000 | $ 46,000 |
| Fairfax County Virginia | 1 | $ 320,000 | $ 320,000 | $ 85,000 |
| Floyd County Virginia | 1 | $ 7,000 | $ 7,000 | $ 38,000 |
| Halifax County Virginia | 1 | $ 33,000 | $ 33,000 | $ 52,000 |
| Loudoun County Virginia | 1 | $ 350,000 | $ 350,000 | $ 111,000 |
| Louisa County Virginia | 1 | $ 240,000 | $ 240,000 | $ 95,000 |
| Page County Virginia | 1 | $ 130,000 | $ 130,000 | $ 50,000 |
| Portsmouth County Virginia | 1 | $ 180,000 | $ 180,000 | $ 113,000 |
| Prince William County Virginia | 1 | $ 50,000 | $ 50,000 | $ 142,000 |
| Radford County Virginia | 1 | $ 142,000 | $ 142,000 | $ 80,000 |
| Roanoke City County Virginia | 1 | $ 63,000 | $ 63,000 | $ 54,000 |
| Washington County Virginia | 1 | $ 22,000 | $ 22,000 | $ 51,000 |
| Mercer County West Virginia | 1 | $ 71,000 | $ 71,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for Truliant Federal Credit Union in 2006
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 |
|---|---|---|---|---|---|---|
| Refinancing | 822 | $65,693,000 | $79,000 | $498,000 | $55,000 | $432,000 |
| Home Purchase | 738 | $88,098,000 | $119,000 | $750,000 | $52,000 | $259,000 |
| Home Improvement | 293 | $12,157,000 | $41,000 | $607,000 | $52,000 | $406,000 |
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 | 1,052 | $101,460,000 | $96,000 | $607,000 | $59,000 | $265,000 |
| Not Provided | 440 | $32,512,000 | $73,000 | $750,000 | $51,000 | $432,000 |
| Black or African American | 200 | $19,302,000 | $96,000 | $358,000 | $53,000 | $245,000 |
| Not applicable | 77 | $5,194,000 | $67,000 | $250,000 | $6,000 | $85,000 |
| Hispanic | 54 | $4,226,000 | $78,000 | $230,000 | $40,000 | $90,000 |
| Asian | 21 | $2,634,000 | $125,000 | $320,000 | $58,000 | $97,000 |
| American Indian or Alaskan Native | 7 | $494,000 | $70,000 | $130,000 | $41,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $126,000 | $63,000 | $96,000 | $59,000 | $75,000 |
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) | 1,853 | $165,948,000 | $89,000 | $750,000 | $54,000 | $432,000 |
| 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 | 1,049 | $82,593,000 | $78,000 | $607,000 | $53,000 | $432,000 |
| Application Denied By Financial Institution | 282 | $23,453,000 | $83,000 | $405,000 | $49,000 | $406,000 |
| Application Withdrawn By Applicant | 224 | $16,655,000 | $74,000 | $750,000 | $52,000 | $259,000 |
| Preapproval Approved but not Accepted | 160 | $24,430,000 | $152,000 | $456,000 | $64,000 | $200,000 |
| Application Approved But Not Accepted | 61 | $8,611,000 | $141,000 | $405,000 | $73,000 | $245,000 |
| Preapproval Denied by Financial Institution | 55 | $7,510,000 | $136,000 | $340,000 | $53,000 | $224,000 |
| File Closed For Incompleteness | 22 | $2,696,000 | $122,000 | $240,000 | $49,000 | $129,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Truliant Federal Credit Union's 2006 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.
For a list of all lenders in North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.