Truliant Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Truliant Federal Credit Union 2007 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 | 1,861 |
| Total Mortgage Loan Application Amount | $175,903,000 |
| Average Mortgage Loan Application Amount | $72,333 |
| Highest Mortgage Loan Application Amount | $903,000 |
| Average Applicant Income | $54,333 |
| Highest Applicant Income | $811,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 263 | $ 22,999,000 | $ 87,000 | $ 50,000 |
| Guilford County North Carolina | 248 | $ 23,651,000 | $ 95,000 | $ 58,000 |
| Mecklenburg County North Carolina | 167 | $ 18,484,000 | $ 110,000 | $ 64,000 |
| Alamance County North Carolina | 110 | $ 10,163,000 | $ 92,000 | $ 52,000 |
| Randolph County North Carolina | 90 | $ 6,116,000 | $ 67,000 | $ 45,000 |
| Gaston County North Carolina | 80 | $ 6,941,000 | $ 86,000 | $ 61,000 |
| Cleveland County North Carolina | 65 | $ 4,909,000 | $ 75,000 | $ 53,000 |
| Davidson County North Carolina | 58 | $ 5,098,000 | $ 87,000 | $ 52,000 |
| Henrico County Virginia | 49 | $ 5,283,000 | $ 107,000 | $ 65,000 |
| Wythe County Virginia | 44 | $ 2,828,000 | $ 64,000 | $ 44,000 |
| Stokes County North Carolina | 37 | $ 2,436,000 | $ 65,000 | $ 43,000 |
| Henry County Virginia | 33 | $ 2,044,000 | $ 61,000 | $ 38,000 |
| Pulaski County Virginia | 29 | $ 1,885,000 | $ 65,000 | $ 44,000 |
| Wake County North Carolina | 27 | $ 3,515,000 | $ 130,000 | $ 87,000 |
| Greenville County South Carolina | 25 | $ 2,808,000 | $ 112,000 | $ 60,000 |
| Chesterfield County Virginia | 25 | $ 2,559,000 | $ 102,000 | $ 63,000 |
| Rockingham County North Carolina | 24 | $ 2,543,000 | $ 105,000 | $ 62,000 |
| York County South Carolina | 23 | $ 3,218,000 | $ 139,000 | $ 78,000 |
| Surry County North Carolina | 20 | $ 1,212,000 | $ 60,000 | $ 45,000 |
| Cabarrus County North Carolina | 19 | $ 2,414,000 | $ 127,000 | $ 79,000 |
| Davie County North Carolina | 18 | $ 1,990,000 | $ 110,000 | $ 55,000 |
| Lincoln County North Carolina | 17 | $ 1,314,000 | $ 77,000 | $ 62,000 |
| Hanover County Virginia | 17 | $ 2,042,000 | $ 120,000 | $ 65,000 |
| Richmond City County Virginia | 16 | $ 1,846,000 | $ 115,000 | $ 68,000 |
| Iredell County North Carolina | 14 | $ 1,198,000 | $ 85,000 | $ 81,000 |
| Union County North Carolina | 11 | $ 1,357,000 | $ 123,000 | $ 82,000 |
| Rowan County North Carolina | 9 | $ 779,000 | $ 86,000 | $ 66,000 |
| Montgomery County Virginia | 9 | $ 1,284,000 | $ 142,000 | $ 71,000 |
| Duval County Florida | 8 | $ 1,057,000 | $ 132,000 | $ 64,000 |
| Montgomery County North Carolina | 8 | $ 541,000 | $ 67,000 | $ 47,000 |
| Orange County North Carolina | 8 | $ 544,000 | $ 68,000 | $ 63,000 |
| Yadkin County North Carolina | 8 | $ 533,000 | $ 66,000 | $ 39,000 |
| Spartanburg County South Carolina | 8 | $ 445,000 | $ 55,000 | $ 57,000 |
| Burke County North Carolina | 7 | $ 1,004,000 | $ 143,000 | $ 53,000 |
| Catawba County North Carolina | 7 | $ 1,107,000 | $ 158,000 | $ 59,000 |
| Stark County Ohio | 7 | $ 502,000 | $ 71,000 | $ 68,000 |
| Cherokee County South Carolina | 7 | $ 376,000 | $ 53,000 | $ 49,000 |
| Floyd County Virginia | 7 | $ 377,000 | $ 53,000 | $ 34,000 |
| Chatham County North Carolina | 6 | $ 325,000 | $ 54,000 | $ 26,000 |
| Horry County South Carolina | 6 | $ 757,000 | $ 126,000 | $ 68,000 |
| Brunswick County North Carolina | 5 | $ 829,000 | $ 165,000 | $ 175,000 |
| Caswell County North Carolina | 5 | $ 360,000 | $ 72,000 | $ 42,000 |
| Moore County North Carolina | 5 | $ 259,000 | $ 51,000 | $ 29,000 |
| New Hanover County North Carolina | 5 | $ 957,000 | $ 191,000 | $ 94,000 |
| Carroll County Virginia | 5 | $ 202,000 | $ 40,000 | $ 32,000 |
| Durham County North Carolina | 4 | $ 638,000 | $ 159,000 | $ 98,000 |
| Johnston County North Carolina | 4 | $ 472,000 | $ 118,000 | $ 50,000 |
| Nash County North Carolina | 4 | $ 528,000 | $ 132,000 | $ 75,000 |
| Rutherford County North Carolina | 4 | $ 327,000 | $ 81,000 | $ 61,000 |
| Sumter County South Carolina | 4 | $ 218,000 | $ 54,000 | $ 104,000 |
| Patrick County Virginia | 4 | $ 336,000 | $ 84,000 | $ 37,000 |
| Palm Beach County Florida | 3 | $ 241,000 | $ 80,000 | $ 68,000 |
| Pinellas County Florida | 3 | $ 326,000 | $ 108,000 | $ 32,000 |
| Alleghany County North Carolina | 3 | $ 160,000 | $ 53,000 | $ 47,000 |
| Avery County North Carolina | 3 | $ 330,000 | $ 110,000 | $ 64,000 |
| Caldwell County North Carolina | 3 | $ 389,000 | $ 129,000 | $ 57,000 |
| Stanly County North Carolina | 3 | $ 228,000 | $ 76,000 | $ 53,000 |
| Wilkes County North Carolina | 3 | $ 128,000 | $ 42,000 | $ 33,000 |
| Crawford County Ohio | 3 | $ 212,000 | $ 70,000 | $ 53,000 |
| Lancaster County South Carolina | 3 | $ 190,000 | $ 63,000 | $ 57,000 |
| Oconee County South Carolina | 3 | $ 341,000 | $ 113,000 | $ 83,000 |
| Grayson County Virginia | 3 | $ 219,000 | $ 73,000 | $ 41,000 |
| Louisa County Virginia | 3 | $ 209,000 | $ 69,000 | $ 28,000 |
| Martinsville County Virginia | 3 | $ 430,000 | $ 143,000 | $ 56,000 |
| Radford County Virginia | 3 | $ 261,000 | $ 87,000 | $ 32,000 |
| Smyth County Virginia | 3 | $ 248,000 | $ 82,000 | $ 57,000 |
| Clay County Florida | 2 | $ 206,000 | $ 103,000 | $ 31,000 |
| Alexander County North Carolina | 2 | $ 180,000 | $ 90,000 | $ 52,000 |
| Buncombe County North Carolina | 2 | $ 66,000 | $ 33,000 | $ 56,000 |
| Columbus County North Carolina | 2 | $ 131,000 | $ 65,000 | $ 101,000 |
| Cumberland County North Carolina | 2 | $ 248,000 | $ 124,000 | $ 56,000 |
| Edgecombe County North Carolina | 2 | $ 447,000 | $ 223,000 | $ 142,000 |
| Madison County North Carolina | 2 | $ 360,000 | $ 180,000 | $ 87,000 |
| Pitt County North Carolina | 2 | $ 233,000 | $ 116,000 | $ 50,000 |
| Richmond County North Carolina | 2 | $ 159,000 | $ 79,000 | $ 31,000 |
| Anderson County South Carolina | 2 | $ 93,000 | $ 46,000 | $ 42,000 |
| Laurens County South Carolina | 2 | $ 175,000 | $ 87,000 | $ 20,000 |
| Williamson County Tennessee | 2 | $ 366,000 | $ 183,000 | $ 79,000 |
| Bland County Virginia | 2 | $ 88,000 | $ 44,000 | $ 48,000 |
| Essex County Virginia | 2 | $ 606,000 | $ 303,000 | $ 66,000 |
| Fairfax County Virginia | 2 | $ 270,000 | $ 135,000 | $ 155,000 |
| Fauquier County Virginia | 2 | $ 610,000 | $ 305,000 | $ 205,000 |
| Giles County Virginia | 2 | $ 160,000 | $ 80,000 | $ 51,000 |
| Goochland County Virginia | 2 | $ 65,000 | $ 32,000 | $ 75,000 |
| New Kent County Virginia | 2 | $ 275,000 | $ 137,000 | $ 29,000 |
| Lawrence County Alabama | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Alachua County Florida | 1 | $ 235,000 | $ 235,000 | $ 70,000 |
| Broward County Florida | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Hillsborough County Florida | 1 | $ 6,000 | $ 6,000 | $ 60,000 |
| Manatee County Florida | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Nassau County Florida | 1 | $ 210,000 | $ 210,000 | $ 37,000 |
| Okaloosa County Florida | 1 | $ 26,000 | $ 26,000 | $ 32,000 |
| Seminole County Florida | 1 | $ 287,000 | $ 287,000 | $ 100,000 |
| Volusia County Florida | 1 | $ 20,000 | $ 20,000 | $ 34,000 |
| Henry County Georgia | 1 | $ 32,000 | $ 32,000 | $ 47,000 |
| Cook County Illinois | 1 | $ 45,000 | $ 45,000 | $ 63,000 |
| Prince George's County Maryland | 1 | $ 64,000 | $ 64,000 | $ 31,000 |
| Ashe County North Carolina | 1 | $ 252,000 | $ 252,000 | $ 88,000 |
| Carteret County North Carolina | 1 | $ 112,000 | $ 112,000 | $ 71,000 |
| Cherokee County North Carolina | 1 | $ 14,000 | $ 14,000 | $ 38,000 |
| Dare County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 36,000 |
| Duplin County North Carolina | 1 | $ 66,000 | $ 66,000 | $ 21,000 |
| Henderson County North Carolina | 1 | $ 140,000 | $ 140,000 | $ 122,000 |
| Lee County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| McDowell County North Carolina | 1 | $ 162,000 | $ 162,000 | $ 218,000 |
| Pamlico County North Carolina | 1 | $ 360,000 | $ 360,000 | $ 138,000 |
| Pasquotank County North Carolina | 1 | $ 273,000 | $ 273,000 | $ 241,000 |
| Person County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Polk County North Carolina | 1 | $ 67,000 | $ 67,000 | $ 133,000 |
| Robeson County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Sampson County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 39,000 |
| Clark County Ohio | 1 | $ 100,000 | $ 100,000 | $ 32,000 |
| Franklin County Ohio | 1 | $ 183,000 | $ 183,000 | $ 80,000 |
| Summit County Ohio | 1 | $ 188,000 | $ 188,000 | $ 134,000 |
| Tuscarawas County Ohio | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
| Wayne County Ohio | 1 | $ 10,000 | $ 10,000 | $ 49,000 |
| Beaufort County South Carolina | 1 | $ 270,000 | $ 270,000 | $ 67,000 |
| Charleston County South Carolina | 1 | $ 250,000 | $ 250,000 | $ 197,000 |
| Darlington County South Carolina | 1 | $ 90,000 | $ 90,000 | $ 21,000 |
| Dillon County South Carolina | 1 | $ 59,000 | $ 59,000 | $ 53,000 |
| Dorchester County South Carolina | 1 | $ 16,000 | $ 16,000 | $ 75,000 |
| Greenwood County South Carolina | 1 | $ 116,000 | $ 116,000 | $ 129,000 |
| Lexington County South Carolina | 1 | $ 69,000 | $ 69,000 | $ 56,000 |
| Pickens County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 94,000 |
| Richland County South Carolina | 1 | $ 110,000 | $ 110,000 | $ 68,000 |
| Haywood County Tennessee | 1 | $ 209,000 | $ 209,000 | $ 81,000 |
| Knox County Tennessee | 1 | $ 13,000 | $ 13,000 | $ 67,000 |
| Lawrence County Tennessee | 1 | $ 59,000 | $ 59,000 | $ 39,000 |
| Madison County Tennessee | 1 | $ 46,000 | $ 46,000 | $ 43,000 |
| Montgomery County Tennessee | 1 | $ 128,000 | $ 128,000 | $ 49,000 |
| Rutherford County Tennessee | 1 | $ 37,000 | $ 37,000 | $ 28,000 |
| Washington County Tennessee | 1 | $ 270,000 | $ 270,000 | $ 157,000 |
| Amelia County Virginia | 1 | $ 60,000 | $ 60,000 | $ 12,000 |
| Amherst County Virginia | 1 | $ 109,000 | $ 109,000 | $ 27,000 |
| Arlington County Virginia | 1 | $ 50,000 | $ 50,000 | $ 811,000 |
| Campbell County Virginia | 1 | $ 10,000 | $ 10,000 | $ 40,000 |
| Culpeper County Virginia | 1 | $ 120,000 | $ 120,000 | $ 35,000 |
| Cumberland County Virginia | 1 | $ 190,000 | $ 190,000 | $ 237,000 |
| Dinwiddie County Virginia | 1 | $ 169,000 | $ 169,000 | $ 68,000 |
| Franklin County Virginia | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Galax County Virginia | 1 | $ 20,000 | $ 20,000 | $ 23,000 |
| Hopewell County Virginia | 1 | $ 74,000 | $ 74,000 | $ 40,000 |
| Norton County Virginia | 1 | $ 10,000 | $ 10,000 | $ 47,000 |
| Pittsylvania County Virginia | 1 | $ 50,000 | $ 50,000 | $ 31,000 |
| Powhatan County Virginia | 1 | $ 220,000 | $ 220,000 | $ 96,000 |
| Roanoke County Virginia | 1 | $ 83,000 | $ 83,000 | $ 53,000 |
| Tazewell County Virginia | 1 | $ 115,000 | $ 115,000 | $ 174,000 |
| Washington County Virginia | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Westmoreland County Virginia | 1 | $ 95,000 | $ 95,000 | $ 28,000 |
| Williamsburg County Virginia | 1 | $ 408,000 | $ 408,000 | $ 115,000 |
Mortgage Loan Application Detail Totals for Truliant Federal Credit Union in 2007
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 | 1,079 | $139,019,000 | $128,000 | $903,000 | $64,000 | $359,000 |
| Refinancing | 474 | $26,677,000 | $56,000 | $406,000 | $46,000 | $208,000 |
| Home Improvement | 308 | $10,207,000 | $33,000 | $175,000 | $53,000 | $811,000 |
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 | 1,144 | $115,895,000 | $101,000 | $557,000 | $62,000 | $359,000 |
| Not Provided | 347 | $26,997,000 | $77,000 | $903,000 | $56,000 | $811,000 |
| Black or African American | 228 | $21,259,000 | $93,000 | $528,000 | $51,000 | $150,000 |
| Hispanic | 74 | $6,032,000 | $81,000 | $424,000 | $42,000 | $194,000 |
| Not applicable | 47 | $3,405,000 | $72,000 | $357,000 | $11,000 | $168,000 |
| Asian | 14 | $1,631,000 | $116,000 | $250,000 | $54,000 | $88,000 |
| American Indian or Alaskan Native | 4 | $481,000 | $120,000 | $149,000 | $43,000 | $73,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $203,000 | $67,000 | $170,000 | $37,000 | $73,000 |
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) | 1,861 | $175,903,000 | $94,000 | $903,000 | $58,000 | $811,000 |
| 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 | 1,024 | $89,544,000 | $87,000 | $466,000 | $59,000 | $359,000 |
| Application Denied By Financial Institution | 315 | $29,874,000 | $94,000 | $424,000 | $47,000 | $340,000 |
| Application Withdrawn By Applicant | 309 | $25,507,000 | $82,000 | $903,000 | $58,000 | $811,000 |
| File Closed For Incompleteness | 210 | $30,733,000 | $146,000 | $557,000 | $65,000 | $280,000 |
| Preapproval Approved but not Accepted | 2 | $185,000 | $92,000 | $145,000 | $49,000 | $54,000 |
| Application Approved But Not Accepted | 1 | $60,000 | $60,000 | $60,000 | $38,000 | $38,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2007 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.