Truliant Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Truliant Federal Credit Union 2015 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 | 2,786 |
| Total Mortgage Loan Application Amount | $268,237,000 |
| Average Mortgage Loan Application Amount | $89,333 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $75,333 |
| Highest Applicant Income | $1,426,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 382 | $ 34,808,000 | $ 91,000 | $ 67,000 |
| Guilford County North Carolina | 378 | $ 37,650,000 | $ 99,000 | $ 73,000 |
| Mecklenburg County North Carolina | 311 | $ 33,861,000 | $ 108,000 | $ 82,000 |
| Alamance County North Carolina | 268 | $ 24,397,000 | $ 91,000 | $ 70,000 |
| Randolph County North Carolina | 229 | $ 17,990,000 | $ 78,000 | $ 64,000 |
| Wythe County Virginia | 127 | $ 9,809,000 | $ 77,000 | $ 60,000 |
| Gaston County North Carolina | 114 | $ 8,771,000 | $ 76,000 | $ 72,000 |
| Davidson County North Carolina | 69 | $ 5,970,000 | $ 86,000 | $ 68,000 |
| Cleveland County North Carolina | 65 | $ 3,763,000 | $ 57,000 | $ 60,000 |
| Cabarrus County North Carolina | 64 | $ 7,908,000 | $ 123,000 | $ 96,000 |
| Union County North Carolina | 53 | $ 7,631,000 | $ 143,000 | $ 94,000 |
| Pulaski County Virginia | 45 | $ 3,053,000 | $ 67,000 | $ 65,000 |
| Greenville County South Carolina | 42 | $ 4,830,000 | $ 115,000 | $ 55,000 |
| Davie County North Carolina | 41 | $ 4,921,000 | $ 120,000 | $ 74,000 |
| Rockingham County North Carolina | 41 | $ 3,377,000 | $ 82,000 | $ 67,000 |
| Stokes County North Carolina | 35 | $ 3,341,000 | $ 95,000 | $ 79,000 |
| Surry County North Carolina | 25 | $ 2,353,000 | $ 94,000 | $ 69,000 |
| York County South Carolina | 24 | $ 2,973,000 | $ 123,000 | $ 96,000 |
| Carroll County Virginia | 19 | $ 1,664,000 | $ 87,000 | $ 61,000 |
| Wake County North Carolina | 18 | $ 2,296,000 | $ 127,000 | $ 105,000 |
| Yadkin County North Carolina | 17 | $ 1,586,000 | $ 93,000 | $ 67,000 |
| Radford County Virginia | 16 | $ 1,430,000 | $ 89,000 | $ 75,000 |
| Lincoln County North Carolina | 15 | $ 1,781,000 | $ 118,000 | $ 78,000 |
| Iredell County North Carolina | 13 | $ 1,574,000 | $ 121,000 | $ 81,000 |
| Horry County South Carolina | 13 | $ 2,056,000 | $ 158,000 | $ 125,000 |
| Henrico County Virginia | 13 | $ 1,628,000 | $ 125,000 | $ 95,000 |
| Catawba County North Carolina | 12 | $ 734,000 | $ 61,000 | $ 60,000 |
| Rowan County North Carolina | 12 | $ 1,027,000 | $ 85,000 | $ 74,000 |
| Galax County Virginia | 12 | $ 782,000 | $ 65,000 | $ 96,000 |
| Grayson County Virginia | 10 | $ 895,000 | $ 89,000 | $ 64,000 |
| Brunswick County North Carolina | 9 | $ 1,167,000 | $ 129,000 | $ 97,000 |
| Montgomery County North Carolina | 9 | $ 886,000 | $ 98,000 | $ 48,000 |
| Lancaster County South Carolina | 9 | $ 782,000 | $ 86,000 | $ 101,000 |
| Floyd County Virginia | 9 | $ 461,000 | $ 51,000 | $ 56,000 |
| Hanover County Virginia | 9 | $ 1,600,000 | $ 177,000 | $ 93,000 |
| Montgomery County Virginia | 9 | $ 877,000 | $ 97,000 | $ 93,000 |
| Chatham County North Carolina | 8 | $ 1,659,000 | $ 207,000 | $ 122,000 |
| Stark County Ohio | 8 | $ 843,000 | $ 105,000 | $ 99,000 |
| Carteret County North Carolina | 7 | $ 755,000 | $ 107,000 | $ 106,000 |
| Rutherford County North Carolina | 7 | $ 538,000 | $ 76,000 | $ 73,000 |
| Stanly County North Carolina | 7 | $ 696,000 | $ 99,000 | $ 48,000 |
| Spartanburg County South Carolina | 7 | $ 887,000 | $ 126,000 | $ 108,000 |
| Henry County Virginia | 7 | $ 364,000 | $ 52,000 | $ 44,000 |
| Martinsville County Virginia | 7 | $ 528,000 | $ 75,000 | $ 55,000 |
| Smyth County Virginia | 7 | $ 449,000 | $ 64,000 | $ 50,000 |
| Duval County Florida | 6 | $ 457,000 | $ 76,000 | $ 125,000 |
| Caswell County North Carolina | 6 | $ 553,000 | $ 92,000 | $ 61,000 |
| Durham County North Carolina | 6 | $ 763,000 | $ 127,000 | $ 118,000 |
| New Hanover County North Carolina | 6 | $ 1,008,000 | $ 168,000 | $ 116,000 |
| Giles County Virginia | 6 | $ 579,000 | $ 96,000 | $ 74,000 |
| Cobb County Georgia | 5 | $ 588,000 | $ 117,000 | $ 72,000 |
| Orange County North Carolina | 5 | $ 894,000 | $ 178,000 | $ 87,000 |
| Chesterfield County Virginia | 5 | $ 848,000 | $ 169,000 | $ 82,000 |
| Danville County Virginia | 5 | $ 358,000 | $ 71,000 | $ 45,000 |
| Richmond City County Virginia | 5 | $ 408,000 | $ 81,000 | $ 45,000 |
| Avery County North Carolina | 4 | $ 409,000 | $ 102,000 | $ 235,000 |
| Robeson County North Carolina | 4 | $ 279,000 | $ 69,000 | $ 29,000 |
| Cherokee County South Carolina | 4 | $ 380,000 | $ 95,000 | $ 45,000 |
| Pickens County South Carolina | 4 | $ 220,000 | $ 55,000 | $ 47,000 |
| Bland County Virginia | 4 | $ 252,000 | $ 63,000 | $ 86,000 |
| Tazewell County Virginia | 4 | $ 241,000 | $ 60,000 | $ 71,000 |
| Broward County Florida | 3 | $ 580,000 | $ 193,000 | $ 124,000 |
| Granville County North Carolina | 3 | $ 235,000 | $ 78,000 | $ 48,000 |
| Moore County North Carolina | 3 | $ 322,000 | $ 107,000 | $ 76,000 |
| Laurens County South Carolina | 3 | $ 259,000 | $ 86,000 | $ 79,000 |
| Goochland County Virginia | 3 | $ 880,000 | $ 293,000 | $ 278,000 |
| Flagler County Florida | 2 | $ 200,000 | $ 100,000 | $ 107,000 |
| Orange County Florida | 2 | $ 229,000 | $ 114,000 | $ 104,000 |
| Pinellas County Florida | 2 | $ 148,000 | $ 74,000 | $ 28,000 |
| Alleghany County North Carolina | 2 | $ 220,000 | $ 110,000 | $ 90,000 |
| Ashe County North Carolina | 2 | $ 165,000 | $ 82,000 | $ 83,000 |
| Scotland County North Carolina | 2 | $ 163,000 | $ 81,000 | $ 59,000 |
| Vance County North Carolina | 2 | $ 376,000 | $ 188,000 | $ 146,000 |
| Watauga County North Carolina | 2 | $ 171,000 | $ 85,000 | $ 72,000 |
| Wilson County North Carolina | 2 | $ 117,000 | $ 58,000 | $ 67,000 |
| Summit County Ohio | 2 | $ 233,000 | $ 116,000 | $ 69,000 |
| Tuscarawas County Ohio | 2 | $ 51,000 | $ 25,000 | $ 92,000 |
| Anderson County South Carolina | 2 | $ 393,000 | $ 196,000 | $ 73,000 |
| Oconee County South Carolina | 2 | $ 204,000 | $ 102,000 | $ 99,000 |
| Davidson County Tennessee | 2 | $ 201,000 | $ 100,000 | $ 70,000 |
| Louisa County Virginia | 2 | $ 208,000 | $ 104,000 | $ 129,000 |
| Patrick County Virginia | 2 | $ 158,000 | $ 79,000 | $ 66,000 |
| Charlotte County Florida | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Lake County Florida | 1 | $ 117,000 | $ 117,000 | $ 56,000 |
| Lee County Florida | 1 | $ 95,000 | $ 95,000 | $ 52,000 |
| Miami-Dade County Florida | 1 | $ 288,000 | $ 288,000 | $ 189,000 |
| Nassau County Florida | 1 | $ 216,000 | $ 216,000 | $ 111,000 |
| Palm Beach County Florida | 1 | $ 235,000 | $ 235,000 | $ 44,000 |
| St. Johns County Florida | 1 | $ 115,000 | $ 115,000 | $ 70,000 |
| St. Lucie County Florida | 1 | $ 247,000 | $ 247,000 | $ 89,000 |
| Sumter County Florida | 1 | $ 230,000 | $ 230,000 | $ 134,000 |
| Volusia County Florida | 1 | $ 103,000 | $ 103,000 | $ 118,000 |
| Chatham County Georgia | 1 | $ 307,000 | $ 307,000 | $ 157,000 |
| Coweta County Georgia | 1 | $ 214,000 | $ 214,000 | $ 81,000 |
| Douglas County Georgia | 1 | $ 30,000 | $ 30,000 | $ 82,000 |
| Franklin County Georgia | 1 | $ 108,000 | $ 108,000 | $ 118,000 |
| Glynn County Georgia | 1 | $ 167,000 | $ 167,000 | $ 111,000 |
| Gwinnett County Georgia | 1 | $ 20,000 | $ 20,000 | $ 97,000 |
| Hall County Georgia | 1 | $ 130,000 | $ 130,000 | $ 72,000 |
| Paulding County Georgia | 1 | $ 90,000 | $ 90,000 | $ 70,000 |
| Rockdale County Georgia | 1 | $ 157,000 | $ 157,000 | $ 55,000 |
| Walton County Georgia | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Alexander County North Carolina | 1 | $ 198,000 | $ 198,000 | $ 79,000 |
| Anson County North Carolina | 1 | $ 23,000 | $ 23,000 | $ 105,000 |
| Buncombe County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 80,000 |
| Burke County North Carolina | 1 | $ 12,000 | $ 12,000 | $ 62,000 |
| Caldwell County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Craven County North Carolina | 1 | $ 143,000 | $ 143,000 | $ 108,000 |
| Franklin County North Carolina | 1 | $ 34,000 | $ 34,000 | $ 31,000 |
| Harnett County North Carolina | 1 | $ 209,000 | $ 209,000 | $ 59,000 |
| Haywood County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 200,000 |
| Jackson County North Carolina | 1 | $ 172,000 | $ 172,000 | $ 161,000 |
| Johnston County North Carolina | 1 | $ 12,000 | $ 12,000 | $ 54,000 |
| Northampton County North Carolina | 1 | $ 34,000 | $ 34,000 | $ 216,000 |
| Person County North Carolina | 1 | $ 149,000 | $ 149,000 | $ 47,000 |
| Pitt County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 96,000 |
| Sampson County North Carolina | 1 | $ 42,000 | $ 42,000 | $ 110,000 |
| Wayne County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| Wilkes County North Carolina | 1 | $ 23,000 | $ 23,000 | $ 182,000 |
| Butler County Ohio | 1 | $ 17,000 | $ 17,000 | $ 37,000 |
| Westmoreland County Pennsylvania | 1 | $ 94,000 | $ 94,000 | $ 152,000 |
| Aiken County South Carolina | 1 | $ 171,000 | $ 171,000 | $ 37,000 |
| Beaufort County South Carolina | 1 | $ 237,000 | $ 237,000 | $ 70,000 |
| Darlington County South Carolina | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| Jasper County South Carolina | 1 | $ 222,000 | $ 222,000 | $ 81,000 |
| Lexington County South Carolina | 1 | $ 40,000 | $ 40,000 | $ 155,000 |
| Union County South Carolina | 1 | $ 63,000 | $ 63,000 | $ 132,000 |
| Franklin County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 67,000 |
| Johnson County Tennessee | 1 | $ 61,000 | $ 61,000 | $ 48,000 |
| Gloucester County Virginia | 1 | $ 247,000 | $ 247,000 | $ 99,000 |
| Mathews County Virginia | 1 | $ 225,000 | $ 225,000 | $ 143,000 |
| Mecklenburg County Virginia | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Middlesex County Virginia | 1 | $ 159,000 | $ 159,000 | $ 350,000 |
| New Kent County Virginia | 1 | $ 35,000 | $ 35,000 | $ 124,000 |
| Newport News County Virginia | 1 | $ 71,000 | $ 71,000 | $ 46,000 |
| Pittsylvania County Virginia | 1 | $ 100,000 | $ 100,000 | $ 80,000 |
| Prince William County Virginia | 1 | $ 150,000 | $ 150,000 | $ 168,000 |
| Roanoke County Virginia | 1 | $ 136,000 | $ 136,000 | $ 118,000 |
| Salem County Virginia | 1 | $ 75,000 | $ 75,000 | $ 117,000 |
| Virginia Beach County Virginia | 1 | $ 98,000 | $ 98,000 | $ 24,000 |
Mortgage Loan Application Detail Totals for Truliant Federal Credit Union in 2015
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 | 1,706 | $162,860,000 | $95,000 | $417,000 | $72,000 | $1,426,000 |
| Home Purchase | 682 | $86,685,000 | $127,000 | $412,000 | $75,000 | $600,000 |
| Home Improvement | 398 | $18,692,000 | $46,000 | $250,000 | $79,000 | $460,000 |
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 | 1,880 | $183,927,000 | $97,000 | $417,000 | $75,000 | $600,000 |
| Black or African American | 404 | $35,519,000 | $87,000 | $415,000 | $73,000 | $1,426,000 |
| Hispanic | 227 | $20,521,000 | $90,000 | $383,000 | $56,000 | $400,000 |
| Not Provided | 222 | $21,503,000 | $96,000 | $417,000 | $82,000 | $336,000 |
| Asian | 46 | $5,983,000 | $130,000 | $412,000 | $76,000 | $241,000 |
| American Indian or Alaskan Native | 4 | $560,000 | $140,000 | $200,000 | $78,000 | $103,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $224,000 | $74,000 | $115,000 | $141,000 | $229,000 |
| Not applicable | 0 | $0 | $0 | $0 | $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) | 2,786 | $268,237,000 | $96,000 | $417,000 | $74,000 | $1,426,000 |
| 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 | 1,093 | $97,086,000 | $88,000 | $417,000 | $76,000 | $600,000 |
| Application Denied By Financial Institution | 799 | $67,287,000 | $84,000 | $412,000 | $64,000 | $460,000 |
| Application Withdrawn By Applicant | 612 | $67,072,000 | $109,000 | $415,000 | $80,000 | $1,426,000 |
| File Closed For Incompleteness | 251 | $33,859,000 | $134,000 | $417,000 | $81,000 | $509,000 |
| Application Approved But Not Accepted | 31 | $2,933,000 | $94,000 | $395,000 | $77,000 | $399,000 |
| 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 | 46 | $2,351,000 | $51,000 | $135,000 | $71,000 | $225,000 |
| Other | 11 | $627,000 | $57,000 | $91,000 | $52,000 | $109,000 |
| Debt-To-Income Ratio | 9 | $776,000 | $86,000 | $195,000 | $68,000 | $105,000 |
| Unverifiable Information | 6 | $500,000 | $83,000 | $269,000 | $64,000 | $140,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 2015 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.