Truliant Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Truliant Federal Credit Union 2008 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 | 2,632 |
| Total Mortgage Loan Application Amount | $239,637,000 |
| Average Mortgage Loan Application Amount | $76,000 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $57,666 |
| Highest Applicant Income | $1,831,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 351 | $ 24,867,000 | $ 70,000 | $ 41,000 |
| Guilford County North Carolina | 297 | $ 26,614,000 | $ 89,000 | $ 59,000 |
| Mecklenburg County North Carolina | 176 | $ 18,213,000 | $ 103,000 | $ 68,000 |
| Alamance County North Carolina | 168 | $ 13,981,000 | $ 83,000 | $ 52,000 |
| Gaston County North Carolina | 110 | $ 9,168,000 | $ 83,000 | $ 60,000 |
| Randolph County North Carolina | 105 | $ 7,860,000 | $ 74,000 | $ 51,000 |
| Wythe County Virginia | 82 | $ 7,061,000 | $ 86,000 | $ 44,000 |
| Cleveland County North Carolina | 71 | $ 4,973,000 | $ 70,000 | $ 49,000 |
| Davidson County North Carolina | 58 | $ 4,628,000 | $ 79,000 | $ 54,000 |
| Wake County North Carolina | 50 | $ 7,418,000 | $ 148,000 | $ 88,000 |
| Henrico County Virginia | 48 | $ 4,360,000 | $ 90,000 | $ 63,000 |
| Pulaski County Virginia | 46 | $ 2,792,000 | $ 60,000 | $ 44,000 |
| Stokes County North Carolina | 44 | $ 3,367,000 | $ 76,000 | $ 44,000 |
| Henry County Virginia | 40 | $ 2,269,000 | $ 56,000 | $ 38,000 |
| Union County North Carolina | 36 | $ 4,569,000 | $ 126,000 | $ 83,000 |
| Davie County North Carolina | 31 | $ 3,644,000 | $ 117,000 | $ 67,000 |
| Greenville County South Carolina | 30 | $ 3,415,000 | $ 113,000 | $ 58,000 |
| York County South Carolina | 30 | $ 3,347,000 | $ 111,000 | $ 82,000 |
| Cabarrus County North Carolina | 24 | $ 2,578,000 | $ 107,000 | $ 93,000 |
| Rockingham County North Carolina | 24 | $ 2,240,000 | $ 93,000 | $ 69,000 |
| Lincoln County North Carolina | 23 | $ 1,971,000 | $ 85,000 | $ 66,000 |
| Chesterfield County Virginia | 21 | $ 2,095,000 | $ 99,000 | $ 68,000 |
| Surry County North Carolina | 20 | $ 1,572,000 | $ 78,000 | $ 61,000 |
| Stark County Ohio | 16 | $ 1,231,000 | $ 76,000 | $ 82,000 |
| Cherokee County South Carolina | 16 | $ 1,135,000 | $ 70,000 | $ 50,000 |
| Iredell County North Carolina | 15 | $ 1,115,000 | $ 74,000 | $ 75,000 |
| Hanover County Virginia | 15 | $ 2,066,000 | $ 137,000 | $ 90,000 |
| Richmond City County Virginia | 15 | $ 1,394,000 | $ 92,000 | $ 56,000 |
| Orange County North Carolina | 14 | $ 1,255,000 | $ 89,000 | $ 56,000 |
| Yadkin County North Carolina | 14 | $ 1,296,000 | $ 92,000 | $ 49,000 |
| Rutherford County North Carolina | 13 | $ 953,000 | $ 73,000 | $ 37,000 |
| Carroll County Virginia | 13 | $ 782,000 | $ 60,000 | $ 36,000 |
| Martinsville County Virginia | 12 | $ 519,000 | $ 43,000 | $ 34,000 |
| Montgomery County Virginia | 12 | $ 1,432,000 | $ 119,000 | $ 65,000 |
| Spartanburg County South Carolina | 11 | $ 1,257,000 | $ 114,000 | $ 57,000 |
| Caswell County North Carolina | 10 | $ 1,451,000 | $ 145,000 | $ 60,000 |
| Catawba County North Carolina | 10 | $ 759,000 | $ 75,000 | $ 58,000 |
| Rowan County North Carolina | 10 | $ 958,000 | $ 95,000 | $ 56,000 |
| Smyth County Virginia | 9 | $ 717,000 | $ 79,000 | $ 61,000 |
| Chatham County North Carolina | 8 | $ 624,000 | $ 78,000 | $ 69,000 |
| Moore County North Carolina | 8 | $ 726,000 | $ 90,000 | $ 65,000 |
| Radford County Virginia | 8 | $ 572,000 | $ 71,000 | $ 78,000 |
| Floyd County Virginia | 7 | $ 729,000 | $ 104,000 | $ 50,000 |
| Duval County Florida | 6 | $ 710,000 | $ 118,000 | $ 65,000 |
| Brunswick County North Carolina | 6 | $ 789,000 | $ 131,000 | $ 120,000 |
| Buncombe County North Carolina | 6 | $ 699,000 | $ 116,000 | $ 88,000 |
| Caldwell County North Carolina | 6 | $ 320,000 | $ 53,000 | $ 63,000 |
| Carteret County North Carolina | 6 | $ 1,208,000 | $ 201,000 | $ 91,000 |
| Grayson County Virginia | 6 | $ 607,000 | $ 101,000 | $ 63,000 |
| Durham County North Carolina | 5 | $ 673,000 | $ 134,000 | $ 86,000 |
| Johnston County North Carolina | 5 | $ 387,000 | $ 77,000 | $ 45,000 |
| New Hanover County North Carolina | 5 | $ 572,000 | $ 114,000 | $ 71,000 |
| Anderson County South Carolina | 5 | $ 353,000 | $ 70,000 | $ 65,000 |
| Pickens County South Carolina | 5 | $ 406,000 | $ 81,000 | $ 65,000 |
| Giles County Virginia | 5 | $ 682,000 | $ 136,000 | $ 54,000 |
| King William County Virginia | 5 | $ 795,000 | $ 159,000 | $ 94,000 |
| Cumberland County North Carolina | 4 | $ 362,000 | $ 90,000 | $ 108,000 |
| Haywood County North Carolina | 4 | $ 477,000 | $ 119,000 | $ 74,000 |
| Fulton County Georgia | 3 | $ 327,000 | $ 109,000 | $ 55,000 |
| Alexander County North Carolina | 3 | $ 253,000 | $ 84,000 | $ 63,000 |
| Alleghany County North Carolina | 3 | $ 223,000 | $ 74,000 | $ 56,000 |
| Burke County North Carolina | 3 | $ 284,000 | $ 94,000 | $ 69,000 |
| Henderson County North Carolina | 3 | $ 459,000 | $ 153,000 | $ 81,000 |
| Montgomery County North Carolina | 3 | $ 110,000 | $ 36,000 | $ 38,000 |
| Stanly County North Carolina | 3 | $ 188,000 | $ 62,000 | $ 51,000 |
| Wilkes County North Carolina | 3 | $ 228,000 | $ 76,000 | $ 35,000 |
| Summit County Ohio | 3 | $ 252,000 | $ 84,000 | $ 86,000 |
| Horry County South Carolina | 3 | $ 373,000 | $ 124,000 | $ 68,000 |
| Lancaster County South Carolina | 3 | $ 397,000 | $ 132,000 | $ 83,000 |
| Oconee County South Carolina | 3 | $ 454,000 | $ 151,000 | $ 107,000 |
| Franklin County Virginia | 3 | $ 254,000 | $ 84,000 | $ 119,000 |
| Galax County Virginia | 3 | $ 333,000 | $ 111,000 | $ 62,000 |
| Goochland County Virginia | 3 | $ 161,000 | $ 53,000 | $ 45,000 |
| New Kent County Virginia | 3 | $ 234,000 | $ 78,000 | $ 53,000 |
| Patrick County Virginia | 3 | $ 119,000 | $ 39,000 | $ 53,000 |
| Leon County Florida | 2 | $ 55,000 | $ 27,000 | $ 63,000 |
| Cobb County Georgia | 2 | $ 80,000 | $ 40,000 | $ 84,000 |
| Ashe County North Carolina | 2 | $ 312,000 | $ 156,000 | $ 62,000 |
| Avery County North Carolina | 2 | $ 465,000 | $ 232,000 | $ 251,000 |
| Pamlico County North Carolina | 2 | $ 358,000 | $ 179,000 | $ 104,000 |
| Carroll County Ohio | 2 | $ 158,000 | $ 79,000 | $ 56,000 |
| Charleston County South Carolina | 2 | $ 108,000 | $ 54,000 | $ 24,000 |
| Florence County South Carolina | 2 | $ 157,000 | $ 78,000 | $ 75,000 |
| Sumter County South Carolina | 2 | $ 106,000 | $ 53,000 | $ 168,000 |
| Davidson County Tennessee | 2 | $ 331,000 | $ 165,000 | $ 77,000 |
| Bland County Virginia | 2 | $ 109,000 | $ 54,000 | $ 35,000 |
| Fairfax County Virginia | 2 | $ 140,000 | $ 70,000 | $ 106,000 |
| Hopewell County Virginia | 2 | $ 160,000 | $ 80,000 | $ 56,000 |
| Manassas Park County Virginia | 2 | $ 188,000 | $ 94,000 | $ 74,000 |
| Nottoway County Virginia | 2 | $ 149,000 | $ 74,000 | $ 57,000 |
| Pittsylvania County Virginia | 2 | $ 106,000 | $ 53,000 | $ 32,000 |
| Powhatan County Virginia | 2 | $ 101,000 | $ 50,000 | $ 43,000 |
| Bradford County Florida | 1 | $ 45,000 | $ 45,000 | $ 81,000 |
| Charlotte County Florida | 1 | $ 139,000 | $ 139,000 | $ 202,000 |
| Clay County Florida | 1 | $ 30,000 | $ 30,000 | $ 85,000 |
| Hillsborough County Florida | 1 | $ 255,000 | $ 255,000 | $ 150,000 |
| Lee County Florida | 1 | $ 26,000 | $ 26,000 | $ 52,000 |
| Martin County Florida | 1 | $ 130,000 | $ 130,000 | $ 25,000 |
| Nassau County Florida | 1 | $ 60,000 | $ 60,000 | $ 31,000 |
| Orange County Florida | 1 | $ 50,000 | $ 50,000 | $ 96,000 |
| Sarasota County Florida | 1 | $ 32,000 | $ 32,000 | $ 72,000 |
| Seminole County Florida | 1 | $ 240,000 | $ 240,000 | $ 126,000 |
| St. Johns County Florida | 1 | $ 55,000 | $ 55,000 | $ 89,000 |
| Fayette County Georgia | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Gwinnett County Georgia | 1 | $ 95,000 | $ 95,000 | $ 26,000 |
| Toombs County Georgia | 1 | $ 90,000 | $ 90,000 | $ 56,000 |
| Baltimore County Maryland | 1 | $ 10,000 | $ 10,000 | $ 27,000 |
| Bladen County North Carolina | 1 | $ 62,000 | $ 62,000 | $ 68,000 |
| Craven County North Carolina | 1 | $ 18,000 | $ 18,000 | $ 35,000 |
| Granville County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 37,000 |
| Halifax County North Carolina | 1 | $ 190,000 | $ 190,000 | $ 89,000 |
| Lee County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 82,000 |
| Madison County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 90,000 |
| McDowell County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 27,000 |
| Person County North Carolina | 1 | $ 42,000 | $ 42,000 | $ 30,000 |
| Robeson County North Carolina | 1 | $ 46,000 | $ 46,000 | $ 80,000 |
| Scotland County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Swain County North Carolina | 1 | $ 63,000 | $ 63,000 | $ 120,000 |
| Warren County North Carolina | 1 | $ 140,000 | $ 140,000 | $ 104,000 |
| Clermont County Ohio | 1 | $ 72,000 | $ 72,000 | $ 110,000 |
| Holmes County Ohio | 1 | $ 123,000 | $ 123,000 | $ 46,000 |
| Medina County Ohio | 1 | $ 128,000 | $ 128,000 | $ 31,000 |
| Miami County Ohio | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Tuscarawas County Ohio | 1 | $ 71,000 | $ 71,000 | $ 145,000 |
| Wyandot County Ohio | 1 | $ 113,000 | $ 113,000 | $ 92,000 |
| Aiken County South Carolina | 1 | $ 238,000 | $ 238,000 | $ 41,000 |
| Chesterfield County South Carolina | 1 | $ 40,000 | $ 40,000 | $ 26,000 |
| Clarendon County South Carolina | 1 | $ 149,000 | $ 149,000 | $ 52,000 |
| Fairfield County South Carolina | 1 | $ 48,000 | $ 48,000 | $ 23,000 |
| Chester County Tennessee | 1 | $ 29,000 | $ 29,000 | $ 39,000 |
| Maury County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 70,000 |
| Montgomery County Tennessee | 1 | $ 44,000 | $ 44,000 | $ 52,000 |
| Shelby County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 82,000 |
| Smith County Tennessee | 1 | $ 18,000 | $ 18,000 | $ 50,000 |
| Sullivan County Tennessee | 1 | $ 20,000 | $ 20,000 | $ 54,000 |
| Campbell County Virginia | 1 | $ 30,000 | $ 30,000 | $ 98,000 |
| Caroline County Virginia | 1 | $ 150,000 | $ 150,000 | $ 50,000 |
| Charlottesville County Virginia | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Colonial Heights County Virginia | 1 | $ 178,000 | $ 178,000 | $ 66,000 |
| Craig County Virginia | 1 | $ 147,000 | $ 147,000 | $ 46,000 |
| Danville County Virginia | 1 | $ 52,000 | $ 52,000 | $ 130,000 |
| Louisa County Virginia | 1 | $ 234,000 | $ 234,000 | $ 105,000 |
| Prince William County Virginia | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
| Tazewell County Virginia | 1 | $ 24,000 | $ 24,000 | $ 35,000 |
| Virginia Beach County Virginia | 1 | $ 287,000 | $ 287,000 | $ 98,000 |
| Winchester County Virginia | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| York County Virginia | 1 | $ 55,000 | $ 55,000 | $ 169,000 |
Mortgage Loan Application Detail Totals for Truliant Federal Credit Union in 2008
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 | 1,332 | $163,147,000 | $122,000 | $900,000 | $64,000 | $1,831,000 |
| Refinancing | 926 | $61,176,000 | $66,000 | $357,000 | $52,000 | $368,000 |
| Home Improvement | 374 | $15,314,000 | $40,000 | $280,000 | $57,000 | $947,000 |
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 | 1,623 | $154,254,000 | $95,000 | $900,000 | $63,000 | $1,831,000 |
| Not Provided | 451 | $34,997,000 | $77,000 | $567,000 | $60,000 | $947,000 |
| Black or African American | 269 | $28,149,000 | $104,000 | $700,000 | $59,000 | $269,000 |
| Not applicable | 155 | $9,865,000 | $63,000 | $573,000 | $3,000 | $168,000 |
| Hispanic | 85 | $7,513,000 | $88,000 | $330,000 | $59,000 | $368,000 |
| Asian | 34 | $3,325,000 | $97,000 | $333,000 | $67,000 | $170,000 |
| American Indian or Alaskan Native | 10 | $1,255,000 | $125,000 | $250,000 | $58,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $279,000 | $55,000 | $128,000 | $43,000 | $69,000 |
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) | 2,630 | $239,497,000 | $91,000 | $900,000 | $59,000 | $1,831,000 |
| FHA-insured (Federal Housing Administration) | 1 | $51,000 | $51,000 | $51,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 1 | $89,000 | $89,000 | $89,000 | $30,000 | $30,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,332 | $118,665,000 | $89,000 | $573,000 | $58,000 | $1,089,000 |
| Application Withdrawn By Applicant | 872 | $81,116,000 | $93,000 | $900,000 | $64,000 | $1,831,000 |
| Application Denied By Financial Institution | 427 | $39,626,000 | $92,000 | $505,000 | $51,000 | $269,000 |
| Preapproval Denied by Financial Institution | 1 | $230,000 | $230,000 | $230,000 | $70,000 | $70,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 2008 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.