Truliant Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
Truliant Federal Credit Union 2014 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 | 2,764 |
| Total Mortgage Loan Application Amount | $263,893,000 |
| Average Mortgage Loan Application Amount | $89,666 |
| Highest Mortgage Loan Application Amount | $453,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $1,282,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| 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 | 364 | $ 34,847,000 | $ 95,000 | $ 74,000 |
| Forsyth County North Carolina | 345 | $ 33,791,000 | $ 97,000 | $ 60,000 |
| Mecklenburg County North Carolina | 275 | $ 30,967,000 | $ 112,000 | $ 82,000 |
| Alamance County North Carolina | 245 | $ 23,197,000 | $ 94,000 | $ 60,000 |
| Randolph County North Carolina | 206 | $ 16,077,000 | $ 78,000 | $ 52,000 |
| Wythe County Virginia | 127 | $ 9,627,000 | $ 75,000 | $ 54,000 |
| Gaston County North Carolina | 122 | $ 10,156,000 | $ 83,000 | $ 65,000 |
| Davidson County North Carolina | 106 | $ 9,868,000 | $ 93,000 | $ 67,000 |
| Cleveland County North Carolina | 80 | $ 4,962,000 | $ 62,000 | $ 75,000 |
| Pulaski County Virginia | 67 | $ 4,789,000 | $ 71,000 | $ 59,000 |
| Stokes County North Carolina | 46 | $ 3,516,000 | $ 76,000 | $ 60,000 |
| Greenville County South Carolina | 44 | $ 4,700,000 | $ 106,000 | $ 70,000 |
| Union County North Carolina | 40 | $ 5,507,000 | $ 137,000 | $ 97,000 |
| Davie County North Carolina | 31 | $ 4,222,000 | $ 136,000 | $ 94,000 |
| Henrico County Virginia | 30 | $ 3,127,000 | $ 104,000 | $ 74,000 |
| Lincoln County North Carolina | 26 | $ 2,278,000 | $ 87,000 | $ 69,000 |
| Rockingham County North Carolina | 26 | $ 2,535,000 | $ 97,000 | $ 59,000 |
| Carroll County Virginia | 26 | $ 1,706,000 | $ 65,000 | $ 51,000 |
| Cabarrus County North Carolina | 24 | $ 3,315,000 | $ 138,000 | $ 101,000 |
| York County South Carolina | 24 | $ 2,206,000 | $ 91,000 | $ 83,000 |
| Orange County North Carolina | 22 | $ 1,458,000 | $ 66,000 | $ 65,000 |
| Yadkin County North Carolina | 21 | $ 1,718,000 | $ 81,000 | $ 60,000 |
| Bland County Virginia | 21 | $ 1,843,000 | $ 87,000 | $ 61,000 |
| Wake County North Carolina | 18 | $ 2,277,000 | $ 126,000 | $ 100,000 |
| Grayson County Virginia | 18 | $ 968,000 | $ 53,000 | $ 56,000 |
| Caswell County North Carolina | 17 | $ 1,387,000 | $ 81,000 | $ 53,000 |
| Surry County North Carolina | 17 | $ 2,069,000 | $ 121,000 | $ 66,000 |
| Catawba County North Carolina | 16 | $ 2,310,000 | $ 144,000 | $ 83,000 |
| Spartanburg County South Carolina | 16 | $ 1,179,000 | $ 73,000 | $ 64,000 |
| Henry County Virginia | 15 | $ 837,000 | $ 55,000 | $ 50,000 |
| Moore County North Carolina | 14 | $ 641,000 | $ 45,000 | $ 40,000 |
| Montgomery County Virginia | 13 | $ 1,259,000 | $ 96,000 | $ 78,000 |
| Brunswick County North Carolina | 12 | $ 2,352,000 | $ 196,000 | $ 113,000 |
| Chatham County North Carolina | 12 | $ 1,005,000 | $ 83,000 | $ 87,000 |
| Montgomery County North Carolina | 10 | $ 623,000 | $ 62,000 | $ 49,000 |
| Pickens County South Carolina | 10 | $ 1,319,000 | $ 131,000 | $ 77,000 |
| Chesterfield County Virginia | 10 | $ 1,291,000 | $ 129,000 | $ 76,000 |
| Rutherford County North Carolina | 9 | $ 716,000 | $ 79,000 | $ 41,000 |
| Stark County Ohio | 9 | $ 526,000 | $ 58,000 | $ 77,000 |
| Horry County South Carolina | 9 | $ 776,000 | $ 86,000 | $ 103,000 |
| Iredell County North Carolina | 8 | $ 1,141,000 | $ 142,000 | $ 102,000 |
| Radford County Virginia | 7 | $ 480,000 | $ 68,000 | $ 56,000 |
| Rowan County North Carolina | 6 | $ 673,000 | $ 112,000 | $ 72,000 |
| Floyd County Virginia | 6 | $ 542,000 | $ 90,000 | $ 103,000 |
| Patrick County Virginia | 6 | $ 517,000 | $ 86,000 | $ 36,000 |
| Richmond City County Virginia | 6 | $ 859,000 | $ 143,000 | $ 42,000 |
| Smyth County Virginia | 6 | $ 431,000 | $ 71,000 | $ 52,000 |
| Alexander County North Carolina | 5 | $ 580,000 | $ 116,000 | $ 45,000 |
| Caldwell County North Carolina | 5 | $ 553,000 | $ 110,000 | $ 59,000 |
| Durham County North Carolina | 5 | $ 855,000 | $ 171,000 | $ 98,000 |
| Person County North Carolina | 5 | $ 572,000 | $ 114,000 | $ 112,000 |
| Wilkes County North Carolina | 5 | $ 563,000 | $ 112,000 | $ 71,000 |
| Cherokee County South Carolina | 5 | $ 296,000 | $ 59,000 | $ 50,000 |
| Martinsville County Virginia | 5 | $ 251,000 | $ 50,000 | $ 33,000 |
| Cobb County Georgia | 4 | $ 561,000 | $ 140,000 | $ 145,000 |
| Burke County North Carolina | 4 | $ 679,000 | $ 169,000 | $ 61,000 |
| Cumberland County North Carolina | 4 | $ 1,195,000 | $ 298,000 | $ 18,000 |
| Johnston County North Carolina | 4 | $ 308,000 | $ 77,000 | $ 85,000 |
| Pittsylvania County Virginia | 4 | $ 278,000 | $ 69,000 | $ 39,000 |
| Scotland County North Carolina | 3 | $ 368,000 | $ 122,000 | $ 119,000 |
| Stanly County North Carolina | 3 | $ 288,000 | $ 96,000 | $ 64,000 |
| Lancaster County South Carolina | 3 | $ 447,000 | $ 149,000 | $ 106,000 |
| Franklin County Virginia | 3 | $ 280,000 | $ 93,000 | $ 83,000 |
| Giles County Virginia | 3 | $ 202,000 | $ 67,000 | $ 70,000 |
| Orange County Virginia | 3 | $ 213,000 | $ 71,000 | $ 37,000 |
| Duval County Florida | 2 | $ 330,000 | $ 165,000 | $ 71,000 |
| Lake County Florida | 2 | $ 105,000 | $ 52,000 | $ 34,000 |
| Orange County Florida | 2 | $ 150,000 | $ 75,000 | $ 122,000 |
| Palm Beach County Florida | 2 | $ 480,000 | $ 240,000 | $ 159,000 |
| Cherokee County Georgia | 2 | $ 192,000 | $ 96,000 | $ 39,000 |
| DeKalb County Georgia | 2 | $ 181,000 | $ 90,000 | $ 92,000 |
| Avery County North Carolina | 2 | $ 186,000 | $ 93,000 | $ 66,000 |
| New Hanover County North Carolina | 2 | $ 40,000 | $ 20,000 | $ 21,000 |
| Pender County North Carolina | 2 | $ 149,000 | $ 74,000 | $ 96,000 |
| Wilson County North Carolina | 2 | $ 120,000 | $ 60,000 | $ 68,000 |
| Anderson County South Carolina | 2 | $ 264,000 | $ 132,000 | $ 94,000 |
| Lexington County South Carolina | 2 | $ 345,000 | $ 172,000 | $ 105,000 |
| Rutherford County Tennessee | 2 | $ 294,000 | $ 147,000 | $ 53,000 |
| Campbell County Virginia | 2 | $ 108,000 | $ 54,000 | $ 61,000 |
| Goochland County Virginia | 2 | $ 781,000 | $ 390,000 | $ 168,000 |
| Hanover County Virginia | 2 | $ 185,000 | $ 92,000 | $ 133,000 |
| Loudoun County Virginia | 2 | $ 720,000 | $ 360,000 | $ 151,000 |
| New Kent County Virginia | 2 | $ 91,000 | $ 45,000 | $ 61,000 |
| Roanoke City County Virginia | 2 | $ 196,000 | $ 98,000 | $ 50,000 |
| Brevard County Florida | 1 | $ 114,000 | $ 114,000 | $ 37,000 |
| Broward County Florida | 1 | $ 172,000 | $ 172,000 | $ 85,000 |
| Clay County Florida | 1 | $ 51,000 | $ 51,000 | $ 114,000 |
| Gilchrist County Florida | 1 | $ 140,000 | $ 140,000 | $ 31,000 |
| Hernando County Florida | 1 | $ 97,000 | $ 97,000 | $ 32,000 |
| Martin County Florida | 1 | $ 243,000 | $ 243,000 | $ 29,000 |
| Miami-Dade County Florida | 1 | $ 165,000 | $ 165,000 | $ 826,000 |
| Osceola County Florida | 1 | $ 120,000 | $ 120,000 | $ 82,000 |
| Pinellas County Florida | 1 | $ 180,000 | $ 180,000 | $ 83,000 |
| St. Johns County Florida | 1 | $ 293,000 | $ 293,000 | $ 110,000 |
| Volusia County Florida | 1 | $ 99,000 | $ 99,000 | $ 32,000 |
| Clayton County Georgia | 1 | $ 101,000 | $ 101,000 | $ 48,000 |
| Gwinnett County Georgia | 1 | $ 128,000 | $ 128,000 | $ 131,000 |
| Harris County Georgia | 1 | $ 185,000 | $ 185,000 | $ 85,000 |
| Walton County Georgia | 1 | $ 45,000 | $ 45,000 | $ 254,000 |
| Alleghany County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 121,000 |
| Ashe County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 94,000 |
| Buncombe County North Carolina | 1 | $ 190,000 | $ 190,000 | $ 120,000 |
| Carteret County North Carolina | 1 | $ 189,000 | $ 189,000 | $ 50,000 |
| Cherokee County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 73,000 |
| Craven County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 71,000 |
| Harnett County North Carolina | 1 | $ 36,000 | $ 36,000 | $ 66,000 |
| Haywood County North Carolina | 1 | $ 270,000 | $ 270,000 | $ 98,000 |
| Mitchell County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 87,000 |
| Nash County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Perquimans County North Carolina | 1 | $ 211,000 | $ 211,000 | $ 144,000 |
| Pitt County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 87,000 |
| Robeson County North Carolina | 1 | $ 28,000 | $ 28,000 | $ 35,000 |
| Sampson County North Carolina | 1 | $ 81,000 | $ 81,000 | $ 58,000 |
| Vance County North Carolina | 1 | $ 324,000 | $ 324,000 | $ 237,000 |
| Watauga County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 121,000 |
| Yancey County North Carolina | 1 | $ 16,000 | $ 16,000 | $ 29,000 |
| Carroll County Ohio | 1 | $ 61,000 | $ 61,000 | $ 69,000 |
| Crawford County Ohio | 1 | $ 37,000 | $ 37,000 | $ 77,000 |
| Montgomery County Ohio | 1 | $ 187,000 | $ 187,000 | $ 105,000 |
| Morgan County Ohio | 1 | $ 56,000 | $ 56,000 | $ 77,000 |
| Scioto County Ohio | 1 | $ 94,000 | $ 94,000 | $ 68,000 |
| Tuscarawas County Ohio | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Chester County South Carolina | 1 | $ 30,000 | $ 30,000 | $ 21,000 |
| Laurens County South Carolina | 1 | $ 96,000 | $ 96,000 | $ 58,000 |
| Marlboro County South Carolina | 1 | $ 100,000 | $ 100,000 | $ 56,000 |
| Oconee County South Carolina | 1 | $ 300,000 | $ 300,000 | $ 124,000 |
| Chester County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Sevier County Tennessee | 1 | $ 316,000 | $ 316,000 | $ 96,000 |
| Fort Bend County Texas | 1 | $ 30,000 | $ 30,000 | $ 106,000 |
| Albemarle County Virginia | 1 | $ 16,000 | $ 16,000 | $ 79,000 |
| Augusta County Virginia | 1 | $ 287,000 | $ 287,000 | $ 143,000 |
| Bedford County Virginia | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Bristol County Virginia | 1 | $ 54,000 | $ 54,000 | $ 48,000 |
| Brunswick County Virginia | 1 | $ 80,000 | $ 80,000 | $ 53,000 |
| Colonial Heights County Virginia | 1 | $ 14,000 | $ 14,000 | $ 79,000 |
| Danville County Virginia | 1 | $ 60,000 | $ 60,000 | $ 21,000 |
| Fairfax County Virginia | 1 | $ 299,000 | $ 299,000 | $ 86,000 |
| Fluvanna County Virginia | 1 | $ 73,000 | $ 73,000 | $ 33,000 |
| Galax County Virginia | 1 | $ 24,000 | $ 24,000 | $ 98,000 |
| Halifax County Virginia | 1 | $ 76,000 | $ 76,000 | $ 63,000 |
| King and Queen County Virginia | 1 | $ 175,000 | $ 175,000 | $ 101,000 |
| Lynchburg County Virginia | 1 | $ 69,000 | $ 69,000 | $ 25,000 |
| Petersburg County Virginia | 1 | $ 72,000 | $ 72,000 | $ 33,000 |
| Portsmouth County Virginia | 1 | $ 53,000 | $ 53,000 | $ 70,000 |
| Powhatan County Virginia | 1 | $ 80,000 | $ 80,000 | $ 92,000 |
| Spotsylvania County Virginia | 1 | $ 180,000 | $ 180,000 | $ 125,000 |
| Tazewell County Virginia | 1 | $ 30,000 | $ 30,000 | $ 52,000 |
| Virginia Beach County Virginia | 1 | $ 274,000 | $ 274,000 | $ 99,000 |
| Wise County Virginia | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Truliant Federal Credit Union in 2014
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 | 1,756 | $161,450,000 | $91,000 | $453,000 | $66,000 | $1,282,000 |
| Home Purchase | 652 | $85,449,000 | $131,000 | $417,000 | $74,000 | $345,000 |
| Home Improvement | 356 | $16,994,000 | $47,000 | $247,000 | $67,000 | $254,000 |
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 | 1,931 | $185,902,000 | $96,000 | $417,000 | $70,000 | $1,282,000 |
| Black or African American | 378 | $32,486,000 | $85,000 | $417,000 | $61,000 | $227,000 |
| Hispanic | 207 | $17,644,000 | $85,000 | $410,000 | $54,000 | $826,000 |
| Not Provided | 172 | $16,457,000 | $95,000 | $417,000 | $81,000 | $612,000 |
| Asian | 54 | $6,922,000 | $128,000 | $417,000 | $88,000 | $333,000 |
| Not applicable | 13 | $3,579,000 | $275,000 | $453,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $659,000 | $94,000 | $218,000 | $56,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $244,000 | $122,000 | $128,000 | $95,000 | $156,000 |
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) | 2,764 | $263,893,000 | $95,000 | $453,000 | $68,000 | $1,282,000 |
| 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 | 1,113 | $103,244,000 | $92,000 | $453,000 | $71,000 | $285,000 |
| Application Withdrawn By Applicant | 830 | $74,821,000 | $90,000 | $417,000 | $66,000 | $463,000 |
| Application Denied By Financial Institution | 628 | $57,705,000 | $91,000 | $417,000 | $62,000 | $1,282,000 |
| File Closed For Incompleteness | 178 | $26,249,000 | $147,000 | $417,000 | $85,000 | $612,000 |
| Application Approved But Not Accepted | 15 | $1,874,000 | $124,000 | $416,000 | $95,000 | $364,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 1 | $200,000 | $200,000 | $200,000 | $41,000 | $41,000 |
| Credit History | 1 | $75,000 | $75,000 | $75,000 | $46,000 | $46,000 |
| Employment History | 1 | $50,000 | $50,000 | $50,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $65,000 | $65,000 | $65,000 | $48,000 | $48,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Truliant Federal Credit Union's 2014 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.