Truliant Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Truliant Federal Credit Union 2009 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 | 2,196 |
| Total Mortgage Loan Application Amount | $246,844,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $1,325,000 |
| Average Applicant Income | $72,333 |
| Highest Applicant Income | $1,658,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Guilford County North Carolina | 252 | $ 31,056,000 | $ 123,000 | $ 70,000 |
| Forsyth County North Carolina | 251 | $ 27,646,000 | $ 110,000 | $ 63,000 |
| Mecklenburg County North Carolina | 204 | $ 26,703,000 | $ 130,000 | $ 76,000 |
| Alamance County North Carolina | 145 | $ 15,955,000 | $ 110,000 | $ 62,000 |
| Gaston County North Carolina | 95 | $ 7,906,000 | $ 83,000 | $ 74,000 |
| Randolph County North Carolina | 82 | $ 8,109,000 | $ 98,000 | $ 53,000 |
| Wythe County Virginia | 77 | $ 7,137,000 | $ 92,000 | $ 51,000 |
| Cleveland County North Carolina | 65 | $ 4,094,000 | $ 62,000 | $ 42,000 |
| Davidson County North Carolina | 56 | $ 5,216,000 | $ 93,000 | $ 61,000 |
| Pulaski County Virginia | 43 | $ 3,477,000 | $ 80,000 | $ 42,000 |
| Davie County North Carolina | 38 | $ 5,922,000 | $ 155,000 | $ 74,000 |
| Henrico County Virginia | 37 | $ 5,190,000 | $ 140,000 | $ 68,000 |
| Wake County North Carolina | 35 | $ 5,094,000 | $ 145,000 | $ 92,000 |
| Greenville County South Carolina | 35 | $ 4,858,000 | $ 138,000 | $ 76,000 |
| Stokes County North Carolina | 33 | $ 2,963,000 | $ 89,000 | $ 51,000 |
| Chesterfield County Virginia | 29 | $ 4,798,000 | $ 165,000 | $ 74,000 |
| Rockingham County North Carolina | 28 | $ 3,056,000 | $ 109,000 | $ 55,000 |
| Henry County Virginia | 27 | $ 1,767,000 | $ 65,000 | $ 41,000 |
| Cabarrus County North Carolina | 23 | $ 3,937,000 | $ 171,000 | $ 75,000 |
| Union County North Carolina | 23 | $ 4,115,000 | $ 178,000 | $ 97,000 |
| Surry County North Carolina | 22 | $ 1,842,000 | $ 83,000 | $ 44,000 |
| York County South Carolina | 22 | $ 2,939,000 | $ 133,000 | $ 83,000 |
| Lincoln County North Carolina | 21 | $ 2,080,000 | $ 99,000 | $ 56,000 |
| Yadkin County North Carolina | 18 | $ 1,547,000 | $ 85,000 | $ 55,000 |
| Martinsville County Virginia | 18 | $ 1,032,000 | $ 57,000 | $ 34,000 |
| Hanover County Virginia | 17 | $ 2,939,000 | $ 172,000 | $ 73,000 |
| Stark County Ohio | 16 | $ 1,328,000 | $ 83,000 | $ 74,000 |
| Richmond City County Virginia | 15 | $ 2,002,000 | $ 133,000 | $ 65,000 |
| Radford County Virginia | 14 | $ 1,785,000 | $ 127,000 | $ 49,000 |
| Iredell County North Carolina | 13 | $ 1,533,000 | $ 117,000 | $ 53,000 |
| Carroll County Virginia | 13 | $ 1,015,000 | $ 78,000 | $ 70,000 |
| Spartanburg County South Carolina | 12 | $ 1,211,000 | $ 100,000 | $ 59,000 |
| Catawba County North Carolina | 11 | $ 1,155,000 | $ 105,000 | $ 52,000 |
| Rutherford County North Carolina | 11 | $ 843,000 | $ 76,000 | $ 62,000 |
| Moore County North Carolina | 10 | $ 953,000 | $ 95,000 | $ 41,000 |
| Orange County North Carolina | 10 | $ 1,686,000 | $ 168,000 | $ 86,000 |
| Brunswick County North Carolina | 9 | $ 756,000 | $ 84,000 | $ 102,000 |
| Caswell County North Carolina | 9 | $ 777,000 | $ 86,000 | $ 66,000 |
| Cherokee County South Carolina | 9 | $ 1,001,000 | $ 111,000 | $ 59,000 |
| Floyd County Virginia | 9 | $ 455,000 | $ 50,000 | $ 50,000 |
| Rowan County North Carolina | 8 | $ 579,000 | $ 72,000 | $ 80,000 |
| Bland County Virginia | 8 | $ 637,000 | $ 79,000 | $ 55,000 |
| Montgomery County Virginia | 8 | $ 1,309,000 | $ 163,000 | $ 64,000 |
| Chatham County North Carolina | 7 | $ 968,000 | $ 138,000 | $ 73,000 |
| Horry County South Carolina | 7 | $ 785,000 | $ 112,000 | $ 98,000 |
| Caldwell County North Carolina | 6 | $ 514,000 | $ 85,000 | $ 52,000 |
| Montgomery County North Carolina | 6 | $ 340,000 | $ 56,000 | $ 49,000 |
| New Kent County Virginia | 6 | $ 777,000 | $ 129,000 | $ 67,000 |
| Cumberland County North Carolina | 5 | $ 438,000 | $ 87,000 | $ 80,000 |
| Durham County North Carolina | 5 | $ 680,000 | $ 136,000 | $ 67,000 |
| Stanly County North Carolina | 5 | $ 572,000 | $ 114,000 | $ 104,000 |
| Pickens County South Carolina | 5 | $ 445,000 | $ 89,000 | $ 113,000 |
| Patrick County Virginia | 5 | $ 490,000 | $ 98,000 | $ 35,000 |
| Smyth County Virginia | 5 | $ 415,000 | $ 83,000 | $ 55,000 |
| Grayson County Virginia | 4 | $ 562,000 | $ 140,000 | $ 61,000 |
| Louisa County Virginia | 4 | $ 401,000 | $ 100,000 | $ 103,000 |
| Broward County Florida | 3 | $ 218,000 | $ 72,000 | $ 42,000 |
| Duval County Florida | 3 | $ 153,000 | $ 51,000 | $ 64,000 |
| Hillsborough County Florida | 3 | $ 554,000 | $ 184,000 | $ 172,000 |
| Palm Beach County Florida | 3 | $ 554,000 | $ 184,000 | $ 59,000 |
| Buncombe County North Carolina | 3 | $ 586,000 | $ 195,000 | $ 138,000 |
| Jackson County North Carolina | 3 | $ 235,000 | $ 78,000 | $ 102,000 |
| Johnston County North Carolina | 3 | $ 170,000 | $ 56,000 | $ 29,000 |
| Wilkes County North Carolina | 3 | $ 402,000 | $ 134,000 | $ 55,000 |
| Lancaster County South Carolina | 3 | $ 483,000 | $ 161,000 | $ 56,000 |
| Laurens County South Carolina | 3 | $ 327,000 | $ 109,000 | $ 75,000 |
| Knox County Tennessee | 3 | $ 405,000 | $ 135,000 | $ 100,000 |
| Bedford County Virginia | 3 | $ 246,000 | $ 82,000 | $ 66,000 |
| Caroline County Virginia | 3 | $ 421,000 | $ 140,000 | $ 123,000 |
| Franklin County Virginia | 3 | $ 479,000 | $ 159,000 | $ 102,000 |
| Galax County Virginia | 3 | $ 294,000 | $ 98,000 | $ 100,000 |
| Giles County Virginia | 3 | $ 327,000 | $ 109,000 | $ 55,000 |
| Goochland County Virginia | 3 | $ 269,000 | $ 89,000 | $ 65,000 |
| King William County Virginia | 3 | $ 467,000 | $ 155,000 | $ 78,000 |
| Roanoke City County Virginia | 3 | $ 208,000 | $ 69,000 | $ 84,000 |
| Tazewell County Virginia | 3 | $ 279,000 | $ 93,000 | $ 43,000 |
| Clay County Florida | 2 | $ 265,000 | $ 132,000 | $ 70,000 |
| Miami-Dade County Florida | 2 | $ 395,000 | $ 197,000 | $ 146,000 |
| Alexander County North Carolina | 2 | $ 171,000 | $ 85,000 | $ 94,000 |
| Carteret County North Carolina | 2 | $ 640,000 | $ 320,000 | $ 94,000 |
| Henderson County North Carolina | 2 | $ 620,000 | $ 310,000 | $ 162,000 |
| Nash County North Carolina | 2 | $ 220,000 | $ 110,000 | $ 93,000 |
| New Hanover County North Carolina | 2 | $ 254,000 | $ 127,000 | $ 71,000 |
| Onslow County North Carolina | 2 | $ 156,000 | $ 78,000 | $ 105,000 |
| Polk County North Carolina | 2 | $ 332,000 | $ 166,000 | $ 158,000 |
| Watauga County North Carolina | 2 | $ 202,000 | $ 101,000 | $ 123,000 |
| Crawford County Ohio | 2 | $ 86,000 | $ 43,000 | $ 51,000 |
| Holmes County Ohio | 2 | $ 199,000 | $ 99,000 | $ 55,000 |
| Anderson County South Carolina | 2 | $ 414,000 | $ 207,000 | $ 111,000 |
| Charleston County South Carolina | 2 | $ 90,000 | $ 45,000 | $ 49,000 |
| Florence County South Carolina | 2 | $ 67,000 | $ 33,000 | $ 57,000 |
| Charles City County Virginia | 2 | $ 150,000 | $ 75,000 | $ 46,000 |
| Fauquier County Virginia | 2 | $ 181,000 | $ 90,000 | $ 61,000 |
| Powhatan County Virginia | 2 | $ 88,000 | $ 44,000 | $ 62,000 |
| Virginia Beach County Virginia | 2 | $ 497,000 | $ 248,000 | $ 59,000 |
| Washington County Virginia | 2 | $ 85,000 | $ 42,000 | $ 43,000 |
| Alachua County Florida | 1 | $ 70,000 | $ 70,000 | $ 23,000 |
| Brevard County Florida | 1 | $ 45,000 | $ 45,000 | $ 150,000 |
| Charlotte County Florida | 1 | $ 114,000 | $ 114,000 | $ 40,000 |
| Lee County Florida | 1 | $ 279,000 | $ 279,000 | $ 105,000 |
| Orange County Florida | 1 | $ 178,000 | $ 178,000 | $ 67,000 |
| Sarasota County Florida | 1 | $ 30,000 | $ 30,000 | $ 53,000 |
| St. Lucie County Florida | 1 | $ 90,000 | $ 90,000 | $ 82,000 |
| Volusia County Florida | 1 | $ 168,000 | $ 168,000 | $ 30,000 |
| Cherokee County Georgia | 1 | $ 113,000 | $ 113,000 | $ 77,000 |
| Cobb County Georgia | 1 | $ 247,000 | $ 247,000 | $ 124,000 |
| Forsyth County Georgia | 1 | $ 132,000 | $ 132,000 | $ 56,000 |
| Fulton County Georgia | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Henry County Georgia | 1 | $ 285,000 | $ 285,000 | $ 125,000 |
| Lincoln County Georgia | 1 | $ 32,000 | $ 32,000 | $ 46,000 |
| Alleghany County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Ashe County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 91,000 |
| Avery County North Carolina | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Burke County North Carolina | 1 | $ 54,000 | $ 54,000 | $ 104,000 |
| Cherokee County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 122,000 |
| Columbus County North Carolina | 1 | $ 59,000 | $ 59,000 | $ 53,000 |
| Craven County North Carolina | 1 | $ 23,000 | $ 23,000 | $ 33,000 |
| Dare County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 55,000 |
| Duplin County North Carolina | 1 | $ 42,000 | $ 42,000 | $ 34,000 |
| Franklin County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 97,000 |
| Granville County North Carolina | 1 | $ 24,000 | $ 24,000 | $ 52,000 |
| Harnett County North Carolina | 1 | $ 76,000 | $ 76,000 | $ 25,000 |
| Lenoir County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 82,000 |
| Pender County North Carolina | 1 | $ 18,000 | $ 18,000 | $ 61,000 |
| Person County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 57,000 |
| Pitt County North Carolina | 1 | $ 53,000 | $ 53,000 | $ 56,000 |
| Vance County North Carolina | 1 | $ 12,000 | $ 12,000 | $ 19,000 |
| Wayne County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| Athens County Ohio | 1 | $ 78,000 | $ 78,000 | $ 815,000 |
| Carroll County Ohio | 1 | $ 159,000 | $ 159,000 | $ 108,000 |
| Delaware County Ohio | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Hamilton County Ohio | 1 | $ 200,000 | $ 200,000 | $ 83,000 |
| Tuscarawas County Ohio | 1 | $ 134,000 | $ 134,000 | $ 81,000 |
| Wayne County Ohio | 1 | $ 40,000 | $ 40,000 | $ 126,000 |
| Abbeville County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Beaufort County South Carolina | 1 | $ 94,000 | $ 94,000 | $ 91,000 |
| Georgetown County South Carolina | 1 | $ 20,000 | $ 20,000 | $ 48,000 |
| Newberry County South Carolina | 1 | $ 109,000 | $ 109,000 | $ 62,000 |
| Davidson County Tennessee | 1 | $ 33,000 | $ 33,000 | $ 62,000 |
| Maury County Tennessee | 1 | $ 14,000 | $ 14,000 | $ 65,000 |
| Weakley County Tennessee | 1 | $ 157,000 | $ 157,000 | $ 72,000 |
| Botetourt County Virginia | 1 | $ 111,000 | $ 111,000 | $ 55,000 |
| Buchanan County Virginia | 1 | $ 45,000 | $ 45,000 | $ 43,000 |
| Campbell County Virginia | 1 | $ 192,000 | $ 192,000 | $ 131,000 |
| Dinwiddie County Virginia | 1 | $ 172,000 | $ 172,000 | $ 72,000 |
| Essex County Virginia | 1 | $ 42,000 | $ 42,000 | $ 25,000 |
| Fairfax County Virginia | 1 | $ 392,000 | $ 392,000 | $ 231,000 |
| Frederick County Virginia | 1 | $ 340,000 | $ 340,000 | $ 81,000 |
| Loudoun County Virginia | 1 | $ 229,000 | $ 229,000 | $ 84,000 |
| Nottoway County Virginia | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Orange County Virginia | 1 | $ 60,000 | $ 60,000 | $ 38,000 |
| Pittsylvania County Virginia | 1 | $ 213,000 | $ 213,000 | $ 48,000 |
| Prince George County Virginia | 1 | $ 148,000 | $ 148,000 | $ 64,000 |
| Rockbridge County Virginia | 1 | $ 280,000 | $ 280,000 | $ 164,000 |
| Salem County Virginia | 1 | $ 119,000 | $ 119,000 | $ 72,000 |
| Spotsylvania County Virginia | 1 | $ 140,000 | $ 140,000 | $ 63,000 |
| Westmoreland County Virginia | 1 | $ 98,000 | $ 98,000 | $ 25,000 |
| Winchester County Virginia | 1 | $ 136,000 | $ 136,000 | $ 122,000 |
Mortgage Loan Application Detail Totals for Truliant Federal Credit Union in 2009
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 | 1,231 | $159,980,000 | $129,000 | $654,000 | $87,000 | $1,658,000 |
| Refinancing | 766 | $78,485,000 | $102,000 | $1,325,000 | $78,000 | $1,470,000 |
| Home Improvement | 199 | $8,379,000 | $42,000 | $350,000 | $52,000 | $173,000 |
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 | 1,486 | $166,942,000 | $112,000 | $567,000 | $78,000 | $1,470,000 |
| Not Provided | 325 | $33,996,000 | $104,000 | $654,000 | $79,000 | $1,007,000 |
| Black or African American | 230 | $26,817,000 | $116,000 | $648,000 | $86,000 | $1,658,000 |
| Hispanic | 98 | $10,476,000 | $106,000 | $300,000 | $94,000 | $744,000 |
| Asian | 37 | $5,279,000 | $142,000 | $417,000 | $140,000 | $1,542,000 |
| Not applicable | 12 | $2,570,000 | $214,000 | $1,325,000 | $1,000 | $23,000 |
| American Indian or Alaskan Native | 5 | $645,000 | $129,000 | $200,000 | $66,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $119,000 | $39,000 | $48,000 | $38,000 | $67,000 |
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) | 2,195 | $246,828,000 | $112,000 | $1,325,000 | $80,000 | $1,658,000 |
| FHA-insured (Federal Housing Administration) | 1 | $16,000 | $16,000 | $16,000 | $18,000 | $18,000 |
| 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 | 825 | $89,633,000 | $108,000 | $1,325,000 | $68,000 | $358,000 |
| Application Withdrawn By Applicant | 765 | $86,490,000 | $113,000 | $654,000 | $80,000 | $1,658,000 |
| Application Denied By Financial Institution | 585 | $68,171,000 | $116,000 | $567,000 | $98,000 | $1,470,000 |
| Application Approved But Not Accepted | 10 | $1,200,000 | $120,000 | $201,000 | $71,000 | $130,000 |
| File Closed For Incompleteness | 10 | $1,250,000 | $125,000 | $192,000 | $67,000 | $131,000 |
| Preapproval Denied by Financial Institution | 1 | $100,000 | $100,000 | $100,000 | $492,000 | $492,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 586 | $68,271,000 | $116,000 | $567,000 | $99,000 | $1,470,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Truliant Federal Credit Union's 2009 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.