Truliant Federal Credit Union Mortgage Lending & HMDA Data, 2012

In 2012, Truliant Federal Credit Union of Winston Salem, NC reported 4,057 mortgage applications totaling $437.6 million, up 59% from 2011. The average application was for $107,851, and applicants reported an average income of $71,260. 33% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Greensboro-High Point, NC (927), Winston-Salem, NC (606) and Charlotte-Gastonia-Rock Hill, NC-SC (529) (applications in parentheses).

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
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Total Number of Mortgage Applications 4,057
Total Mortgage Loan Application Amount $437,553,000
Average Mortgage Loan Application Amount $107,851
Highest Mortgage Loan Application Amount $2,100,000
Average Applicant Income $71,260
Highest Applicant Income $1,670,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Truliant Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Truliant Federal Credit Union by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Guilford, North Carolina 588 $ 69,688,000 $ 118,517 $ 72,000
Forsyth, North Carolina 496 $ 53,348,000 $ 107,556 $ 68,000
Alamance, North Carolina 354 $ 40,810,000 $ 115,282 $ 65,000
Randolph, North Carolina 300 $ 27,108,000 $ 90,360 $ 58,000
Mecklenburg, North Carolina 261 $ 34,194,000 $ 131,011 $ 82,000
Wythe, Virginia 182 $ 14,974,000 $ 82,274 $ 55,000
Gaston, North Carolina 160 $ 14,335,000 $ 89,593 $ 63,000
Davidson, North Carolina 130 $ 13,590,000 $ 104,538 $ 61,000
Cleveland, North Carolina 92 $ 7,219,000 $ 78,467 $ 55,000
Henrico, Virginia 55 $ 5,963,000 $ 108,418 $ 69,000
Pulaski, Virginia 54 $ 3,709,000 $ 68,685 $ 57,000
Greenville, South Carolina 51 $ 5,687,000 $ 111,509 $ 65,000
Davie, North Carolina 49 $ 6,579,000 $ 134,265 $ 81,000
Stark, Ohio 48 $ 5,231,000 $ 108,979 $ 92,000
Stokes, North Carolina 47 $ 4,075,000 $ 86,702 $ 66,000
Union, North Carolina 40 $ 6,064,000 $ 151,600 $ 89,000
Rockingham, North Carolina 39 $ 4,489,000 $ 115,102 $ 61,000
Cabarrus, North Carolina 35 $ 4,442,000 $ 126,914 $ 87,000
Carroll, Virginia 35 $ 2,793,000 $ 79,800 $ 57,000
Horry, South Carolina 34 $ 3,960,000 $ 116,470 $ 107,000
Orange, North Carolina 32 $ 3,486,000 $ 108,937 $ 62,000
York, South Carolina 31 $ 4,538,000 $ 146,387 $ 83,000
Lincoln, North Carolina 25 $ 2,984,000 $ 119,360 $ 75,000
Wake, North Carolina 24 $ 4,013,000 $ 167,208 $ 83,000
Surry, North Carolina 23 $ 2,195,000 $ 95,434 $ 60,000
Hanover, Virginia 20 $ 2,420,000 $ 121,000 $ 72,000
Chesterfield, Virginia 19 $ 2,428,000 $ 127,789 $ 84,000
Henry, Virginia 19 $ 1,508,000 $ 79,368 $ 54,000
Catawba, North Carolina 18 $ 2,987,000 $ 165,944 $ 87,000
Iredell, North Carolina 18 $ 1,955,000 $ 108,611 $ 83,000
Rutherford, North Carolina 17 $ 1,337,000 $ 78,647 $ 70,000
Ashe, North Carolina 16 $ 729,000 $ 45,562 $ 151,000
Moore, North Carolina 15 $ 1,437,000 $ 95,800 $ 56,000
Montgomery, Virginia 15 $ 960,000 $ 64,000 $ 60,000
Caswell, North Carolina 14 $ 1,333,000 $ 95,214 $ 64,000
Chatham, North Carolina 14 $ 1,560,000 $ 111,428 $ 65,000
Yadkin, North Carolina 14 $ 1,195,000 $ 85,357 $ 68,000
Cherokee, South Carolina 14 $ 921,000 $ 65,785 $ 56,000
Floyd, Virginia 14 $ 1,207,000 $ 86,214 $ 67,000
Grayson, Virginia 14 $ 1,163,000 $ 83,071 $ 60,000
Smyth, Virginia 13 $ 1,025,000 $ 78,846 $ 51,000
Swain, North Carolina 12 $ 503,000 $ 41,916 $ 130,000
Watauga, North Carolina 12 $ 1,666,000 $ 138,833 $ 216,000
Radford, Virginia 12 $ 1,202,000 $ 100,166 $ 56,000
Richmond City, Virginia 11 $ 948,000 $ 86,181 $ 72,000
Brunswick, North Carolina 10 $ 976,000 $ 97,600 $ 86,000
Sevier, Tennessee 10 $ 282,000 $ 28,200 $ 142,000
Bland, Virginia 10 $ 1,029,000 $ 102,900 $ 59,000
Giles, Virginia 10 $ 921,000 $ 92,100 $ 218,000
Jackson, North Carolina 9 $ 551,000 $ 61,222 $ 106,000
Durham, North Carolina 8 $ 951,000 $ 118,875 $ 85,000
Rowan, North Carolina 8 $ 1,061,000 $ 132,625 $ 81,000
Wilkes, North Carolina 8 $ 1,068,000 $ 133,500 $ 72,000
Buncombe, North Carolina 7 $ 1,011,000 $ 144,428 $ 88,000
Caldwell, North Carolina 6 $ 512,000 $ 85,333 $ 56,000
Cumberland, North Carolina 6 $ 563,000 $ 93,833 $ 66,000
Henderson, North Carolina 6 $ 1,031,000 $ 171,833 $ 86,000
New Hanover, North Carolina 6 $ 850,000 $ 141,666 $ 148,000
Pickens, South Carolina 6 $ 604,000 $ 100,666 $ 69,000
Martinsville, Virginia 6 $ 290,000 $ 48,333 $ 39,000
Alleghany, North Carolina 5 $ 313,000 $ 62,600 $ 84,000
Avery, North Carolina 5 $ 254,000 $ 50,800 $ 107,000
Burke, North Carolina 5 $ 561,000 $ 112,200 $ 71,000
Carteret, North Carolina 5 $ 733,000 $ 146,600 $ 133,000
Stanly, North Carolina 5 $ 508,000 $ 101,600 $ 80,000
Anderson, South Carolina 5 $ 595,000 $ 119,000 $ 63,000
Lancaster, South Carolina 5 $ 923,000 $ 184,600 $ 59,000
Franklin, Virginia 5 $ 376,000 $ 75,200 $ 60,000
Broward, Florida 4 $ 977,000 $ 244,250 $ 91,000
Alexander, North Carolina 4 $ 539,000 $ 134,750 $ 86,000
Johnston, North Carolina 4 $ 722,000 $ 180,500 $ 122,000
Madison, North Carolina 4 $ 162,000 $ 40,500 $ 144,000
Montgomery, North Carolina 4 $ 320,000 $ 80,000 $ 56,000
Tuscarawas, Ohio 4 $ 455,000 $ 113,750 $ 64,000
Spartanburg, South Carolina 4 $ 531,000 $ 132,750 $ 37,000
Goochland, Virginia 4 $ 364,000 $ 91,000 $ 84,000
Patrick, Virginia 4 $ 465,000 $ 116,250 $ 56,000
Duval, Florida 3 $ 198,000 $ 66,000 $ 78,000
Dare, North Carolina 3 $ 349,000 $ 116,333 $ 69,000
Scotland, North Carolina 3 $ 250,000 $ 83,333 $ 44,000
Vance, North Carolina 3 $ 261,000 $ 87,000 $ 150,000
Laurens, South Carolina 3 $ 218,000 $ 72,666 $ 38,000
New Kent, Virginia 3 $ 231,000 $ 77,000 $ 84,000
St. Johns, Florida 2 $ 316,000 $ 158,000 $ 71,000
Volusia, Florida 2 $ 210,000 $ 105,000 $ 71,000
Cobb, Georgia 2 $ 248,000 $ 124,000 $ 122,000
Gwinnett, Georgia 2 $ 318,000 $ 159,000 $ 83,000
Henry, Georgia 2 $ 178,000 $ 89,000 $ 53,000
Rockdale, Georgia 2 $ 500,000 $ 250,000 $ 31,000
Whitfield, Georgia 2 $ 182,000 $ 91,000 $ 28,000
Anson, North Carolina 2 $ 101,000 $ 50,500 $ 41,000
Craven, North Carolina 2 $ 279,000 $ 139,500 $ 74,000
Granville, North Carolina 2 $ 128,000 $ 64,000 $ 44,000
McDowell, North Carolina 2 $ 525,000 $ 262,500 $ 169,000
Harrison, Ohio 2 $ 180,000 $ 90,000 $ 82,000
Summit, Ohio 2 $ 279,000 $ 139,500 $ 103,000
Charleston, South Carolina 2 $ 248,000 $ 124,000 $ 139,000
Richland, South Carolina 2 $ 333,000 $ 166,500 $ 108,000
Davidson, Tennessee 2 $ 517,000 $ 258,500 $ 85,000
Dinwiddie, Virginia 2 $ 206,000 $ 103,000 $ 30,000
Galax, Virginia 2 $ 154,000 $ 77,000 $ 76,000
King William, Virginia 2 $ 127,000 $ 63,500 $ 58,000
Louisa, Virginia 2 $ 434,000 $ 217,000 $ 132,000
Pittsylvania, Virginia 2 $ 261,000 $ 130,500 $ 65,000
Fresno, California 1 $ 21,000 $ 21,000 $ 88,000
Los Angeles, California 1 $ 135,000 $ 135,000 $ 90,000
Alachua, Florida 1 $ 180,000 $ 180,000 $ 52,000
Clay, Florida 1 $ 140,000 $ 140,000 $ 50,000
Lee, Florida 1 $ 112,000 $ 112,000 $ 147,000
Marion, Florida 1 $ 380,000 $ 380,000 $ 277,000
Martin, Florida 1 $ 160,000 $ 160,000 $ 52,000
Palm Beach, Florida 1 $ 60,000 $ 60,000 $ 120,000
Pasco, Florida 1 $ 190,000 $ 190,000 $ 60,000
Putnam, Florida 1 $ 160,000 $ 160,000 $ 87,000
St. Lucie, Florida 1 $ 132,000 $ 132,000 $ 105,000
Sumter, Florida 1 $ 100,000 $ 100,000 $ 43,000
Cherokee, Georgia 1 $ 67,000 $ 67,000 $ 37,000
Douglas, Georgia 1 $ 34,000 $ 34,000 $ 105,000
Fulton, Georgia 1 $ 130,000 $ 130,000 $ 47,000
Jackson, Georgia 1 $ 145,000 $ 145,000 $ 52,000
Walton, Georgia 1 $ 245,000 $ 245,000 $ 229,000
Greene, North Carolina 1 $ 69,000 $ 69,000 $ 62,000
Harnett, North Carolina 1 $ 35,000 $ 35,000 $ 130,000
Hertford, North Carolina 1 $ 29,000 $ 29,000 $ 44,000
Lee, North Carolina 1 $ 95,000 $ 95,000 $ 43,000
Mitchell, North Carolina 1 $ 61,000 $ 61,000 $ 86,000
Onslow, North Carolina 1 $ 238,000 $ 238,000 $ 20,000
Pender, North Carolina 1 $ 30,000 $ 30,000 $ 72,000
Person, North Carolina 1 $ 32,000 $ 32,000 $ 56,000
Pitt, North Carolina 1 $ 45,000 $ 45,000 $ 27,000
Robeson, North Carolina 1 $ 16,000 $ 16,000 $ 53,000
Warren, North Carolina 1 $ 55,000 $ 55,000 $ 55,000
Wilson, North Carolina 1 $ 137,000 $ 137,000 $ 32,000
Cuyahoga, Ohio 1 $ 136,000 $ 136,000 $ 119,000
Scioto, Ohio 1 $ 140,000 $ 140,000 $ 69,000
Wayne, Ohio 1 $ 132,000 $ 132,000 $ 89,000
Berkeley, South Carolina 1 $ 152,000 $ 152,000 $ 54,000
Chester, South Carolina 1 $ 135,000 $ 135,000 $ 157,000
Chesterfield, South Carolina 1 $ 43,000 $ 43,000 $ 29,000
Georgetown, South Carolina 1 $ 200,000 $ 200,000 $ 100,000
Lee, South Carolina 1 $ 26,000 $ 26,000 $ 20,000
Marion, South Carolina 1 $ 80,000 $ 80,000 $ 73,000
Oconee, South Carolina 1 $ 332,000 $ 332,000 $ 82,000
Union, South Carolina 1 $ 124,000 $ 124,000 $ 58,000
Blount, Tennessee 1 $ 20,000 $ 20,000 $ 149,000
Chester, Tennessee 1 $ 137,000 $ 137,000 $ 44,000
Franklin, Tennessee 1 $ 161,000 $ 161,000 $ 55,000
Grainger, Tennessee 1 $ 35,000 $ 35,000 $ 21,000
Loudon, Tennessee 1 $ 69,000 $ 69,000 $ 20,000
Robertson, Tennessee 1 $ 171,000 $ 171,000 $ 52,000
Shelby, Tennessee 1 $ 112,000 $ 112,000 $ 54,000
Sumner, Tennessee 1 $ 50,000 $ 50,000 $ 40,000
Alexandria, Virginia 1 $ 59,000 $ 59,000 $ 42,000
Amelia, Virginia 1 $ 90,000 $ 90,000 $ 82,000
Bedford, Virginia 1 $ 104,000 $ 104,000 $ 45,000
Brunswick, Virginia 1 $ 25,000 $ 25,000 $ 57,000
Buchanan, Virginia 1 $ 132,000 $ 132,000 $ 38,000
Caroline, Virginia 1 $ 256,000 $ 256,000 $ 89,000
Charles City, Virginia 1 $ 105,000 $ 105,000 $ 35,000
Craig, Virginia 1 $ 75,000 $ 75,000 $ 31,000
Culpeper, Virginia 1 $ 146,000 $ 146,000 $ 259,000
Cumberland, Virginia 1 $ 71,000 $ 71,000 $ 122,000
Essex, Virginia 1 $ 145,000 $ 145,000 $ 27,000
Fairfax, Virginia 1 $ 299,000 $ 299,000 $ 116,000
Mathews, Virginia 1 $ 93,000 $ 93,000 $ 39,000
Powhatan, Virginia 1 $ 285,000 $ 285,000 $ 90,000
Prince George, Virginia 1 $ 92,000 $ 92,000 $ 81,000
Roanoke, Virginia 1 $ 163,000 $ 163,000 $ 142,000
Roanoke City, Virginia 1 $ 200,000 $ 200,000 $ 106,000
Stafford, Virginia 1 $ 121,000 $ 121,000 $ 67,000
Staunton, Virginia 1 $ 90,000 $ 90,000 $ 90,000
Suffolk, Virginia 1 $ 105,000 $ 105,000 $ 105,000
Tazewell, Virginia 1 $ 49,000 $ 49,000 $ 21,000
Waynesboro, Virginia 1 $ 217,000 $ 217,000 $ 110,000

Mortgage Loan Application Detail Totals for Truliant Federal Credit Union in 2012

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 2,716 $291,336,000 $107,000 $417,000 $69,000 $500,000
Home Purchase 1,118 $132,352,000 $118,000 $2,100,000 $78,000 $1,670,000
Home Improvement 223 $13,865,000 $62,000 $360,000 $65,000 $331,000

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 2,934 $320,219,000 $109,000 $1,570,000 $72,000 $1,670,000
Black or African American 440 $44,293,000 $100,000 $408,000 $61,000 $246,000
Not Provided 413 $44,874,000 $108,000 $417,000 $84,000 $1,122,000
Hispanic 198 $17,398,000 $87,000 $350,000 $50,000 $234,000
Asian 52 $6,525,000 $125,000 $380,000 $72,000 $270,000
American Indian or Alaskan Native 10 $1,091,000 $109,000 $208,000 $58,000 $110,000
Native Hawaiian or Other Pacific Islander 5 $610,000 $122,000 $230,000 $59,000 $100,000
Not applicable 5 $2,543,000 $508,000 $2,100,000 $0 $0

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) 4,057 $437,553,000 $107,000 $2,100,000 $71,000 $1,670,000
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 1,320 $128,163,000 $97,000 $2,100,000 $72,000 $582,000
Application Denied By Financial Institution 1,157 $125,925,000 $108,000 $417,000 $62,000 $1,670,000
Application Withdrawn By Applicant 1,006 $106,653,000 $106,000 $1,570,000 $74,000 $506,000
File Closed For Incompleteness 362 $48,341,000 $133,000 $417,000 $87,000 $960,000
Application Approved But Not Accepted 105 $14,600,000 $139,000 $400,000 $79,000 $565,000
Preapproval Approved but not Accepted 76 $10,908,000 $143,000 $400,000 $82,000 $324,000
Preapproval Denied by Financial Institution 31 $2,963,000 $95,000 $201,000 $49,000 $167,000
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 1,188 $128,888,000 $108,000 $417,000 $62,000 $1,670,000
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 2012 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.

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