Truliant Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Truliant Federal Credit Union 2016 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 | 2,623 |
| Total Mortgage Loan Application Amount | $269,548,000 |
| Average Mortgage Loan Application Amount | $96,000 |
| Highest Mortgage Loan Application Amount | $645,000 |
| Average Applicant Income | $72,333 |
| Highest Applicant Income | $875,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Mecklenburg County North Carolina | 366 | $ 45,435,000 | $ 124,000 | $ 87,000 |
| Forsyth County North Carolina | 327 | $ 32,516,000 | $ 99,000 | $ 64,000 |
| Guilford County North Carolina | 283 | $ 28,741,000 | $ 101,000 | $ 74,000 |
| Alamance County North Carolina | 276 | $ 25,282,000 | $ 91,000 | $ 58,000 |
| Randolph County North Carolina | 161 | $ 12,153,000 | $ 75,000 | $ 51,000 |
| Wythe County Virginia | 133 | $ 11,179,000 | $ 84,000 | $ 52,000 |
| Gaston County North Carolina | 122 | $ 11,012,000 | $ 90,000 | $ 67,000 |
| Davidson County North Carolina | 80 | $ 8,438,000 | $ 105,000 | $ 66,000 |
| Union County North Carolina | 63 | $ 9,752,000 | $ 154,000 | $ 104,000 |
| Pulaski County Virginia | 61 | $ 4,941,000 | $ 81,000 | $ 62,000 |
| Cleveland County North Carolina | 59 | $ 3,248,000 | $ 55,000 | $ 53,000 |
| Cabarrus County North Carolina | 50 | $ 5,677,000 | $ 113,000 | $ 77,000 |
| York County South Carolina | 38 | $ 5,231,000 | $ 137,000 | $ 102,000 |
| Greenville County South Carolina | 34 | $ 4,107,000 | $ 120,000 | $ 79,000 |
| Carroll County Virginia | 32 | $ 2,721,000 | $ 85,000 | $ 74,000 |
| Stokes County North Carolina | 27 | $ 2,228,000 | $ 82,000 | $ 59,000 |
| Davie County North Carolina | 25 | $ 2,530,000 | $ 101,000 | $ 67,000 |
| Rockingham County North Carolina | 21 | $ 1,668,000 | $ 79,000 | $ 62,000 |
| Henrico County Virginia | 21 | $ 2,277,000 | $ 108,000 | $ 97,000 |
| Iredell County North Carolina | 18 | $ 4,048,000 | $ 224,000 | $ 76,000 |
| Surry County North Carolina | 15 | $ 1,120,000 | $ 74,000 | $ 72,000 |
| Lancaster County South Carolina | 15 | $ 3,222,000 | $ 214,000 | $ 116,000 |
| Lincoln County North Carolina | 14 | $ 1,315,000 | $ 93,000 | $ 84,000 |
| Rowan County North Carolina | 14 | $ 1,118,000 | $ 79,000 | $ 69,000 |
| Montgomery County North Carolina | 13 | $ 641,000 | $ 49,000 | $ 40,000 |
| Bland County Virginia | 13 | $ 765,000 | $ 58,000 | $ 48,000 |
| Grayson County Virginia | 13 | $ 902,000 | $ 69,000 | $ 55,000 |
| Henry County Virginia | 13 | $ 770,000 | $ 59,000 | $ 67,000 |
| Montgomery County Virginia | 13 | $ 1,105,000 | $ 85,000 | $ 114,000 |
| Caswell County North Carolina | 12 | $ 920,000 | $ 76,000 | $ 51,000 |
| Wake County North Carolina | 12 | $ 2,009,000 | $ 167,000 | $ 109,000 |
| Spartanburg County South Carolina | 12 | $ 1,771,000 | $ 147,000 | $ 80,000 |
| Chesterfield County Virginia | 12 | $ 1,749,000 | $ 145,000 | $ 85,000 |
| Orange County North Carolina | 11 | $ 1,456,000 | $ 132,000 | $ 103,000 |
| Stark County Ohio | 10 | $ 569,000 | $ 56,000 | $ 124,000 |
| Smyth County Virginia | 10 | $ 1,089,000 | $ 108,000 | $ 53,000 |
| Brunswick County North Carolina | 9 | $ 1,243,000 | $ 138,000 | $ 90,000 |
| Chatham County North Carolina | 8 | $ 1,251,000 | $ 156,000 | $ 73,000 |
| Wilkes County North Carolina | 8 | $ 639,000 | $ 79,000 | $ 118,000 |
| Yadkin County North Carolina | 8 | $ 934,000 | $ 116,000 | $ 66,000 |
| Horry County South Carolina | 8 | $ 1,221,000 | $ 152,000 | $ 94,000 |
| Hanover County Virginia | 8 | $ 1,550,000 | $ 193,000 | $ 110,000 |
| Catawba County North Carolina | 7 | $ 794,000 | $ 113,000 | $ 62,000 |
| Stanly County North Carolina | 7 | $ 322,000 | $ 46,000 | $ 45,000 |
| Moore County North Carolina | 6 | $ 336,000 | $ 56,000 | $ 39,000 |
| Rutherford County North Carolina | 6 | $ 469,000 | $ 78,000 | $ 67,000 |
| Floyd County Virginia | 6 | $ 427,000 | $ 71,000 | $ 60,000 |
| Giles County Virginia | 6 | $ 341,000 | $ 56,000 | $ 66,000 |
| Durham County North Carolina | 5 | $ 1,031,000 | $ 206,000 | $ 110,000 |
| Cherokee County South Carolina | 5 | $ 232,000 | $ 46,000 | $ 59,000 |
| Pickens County South Carolina | 5 | $ 520,000 | $ 104,000 | $ 74,000 |
| Buncombe County North Carolina | 4 | $ 598,000 | $ 149,000 | $ 98,000 |
| New Hanover County North Carolina | 4 | $ 620,000 | $ 155,000 | $ 76,000 |
| Anderson County South Carolina | 4 | $ 460,000 | $ 115,000 | $ 94,000 |
| Galax County Virginia | 4 | $ 359,000 | $ 89,000 | $ 66,000 |
| Richmond City County Virginia | 4 | $ 301,000 | $ 75,000 | $ 61,000 |
| Pinellas County Florida | 3 | $ 418,000 | $ 139,000 | $ 80,000 |
| Carteret County North Carolina | 3 | $ 415,000 | $ 138,000 | $ 62,000 |
| Johnston County North Carolina | 3 | $ 465,000 | $ 155,000 | $ 71,000 |
| Lee County North Carolina | 3 | $ 120,000 | $ 40,000 | $ 54,000 |
| Nash County North Carolina | 3 | $ 204,000 | $ 68,000 | $ 58,000 |
| Watauga County North Carolina | 3 | $ 397,000 | $ 132,000 | $ 150,000 |
| Patrick County Virginia | 3 | $ 242,000 | $ 80,000 | $ 105,000 |
| Radford County Virginia | 3 | $ 373,000 | $ 124,000 | $ 99,000 |
| Tazewell County Virginia | 3 | $ 169,000 | $ 56,000 | $ 24,000 |
| Broward County Florida | 2 | $ 380,000 | $ 190,000 | $ 65,000 |
| St. Johns County Florida | 2 | $ 288,000 | $ 144,000 | $ 107,000 |
| Beaufort County North Carolina | 2 | $ 100,000 | $ 50,000 | $ 55,000 |
| Burke County North Carolina | 2 | $ 148,000 | $ 74,000 | $ 87,000 |
| Granville County North Carolina | 2 | $ 270,000 | $ 135,000 | $ 135,000 |
| McDowell County North Carolina | 2 | $ 238,000 | $ 119,000 | $ 66,000 |
| Bedford County Virginia | 2 | $ 270,000 | $ 135,000 | $ 66,000 |
| Chesapeake County Virginia | 2 | $ 492,000 | $ 246,000 | $ 218,000 |
| Hopewell County Virginia | 2 | $ 106,000 | $ 53,000 | $ 36,000 |
| Louisa County Virginia | 2 | $ 299,000 | $ 149,000 | $ 92,000 |
| New Kent County Virginia | 2 | $ 368,000 | $ 184,000 | $ 166,000 |
| Duval County Florida | 1 | $ 180,000 | $ 180,000 | $ 160,000 |
| Hillsborough County Florida | 1 | $ 156,000 | $ 156,000 | $ 75,000 |
| Osceola County Florida | 1 | $ 150,000 | $ 150,000 | $ 135,000 |
| Clarke County Georgia | 1 | $ 148,000 | $ 148,000 | $ 33,000 |
| Clayton County Georgia | 1 | $ 117,000 | $ 117,000 | $ 66,000 |
| DeKalb County Georgia | 1 | $ 300,000 | $ 300,000 | $ 105,000 |
| Forsyth County Georgia | 1 | $ 35,000 | $ 35,000 | $ 111,000 |
| Miller County Georgia | 1 | $ 61,000 | $ 61,000 | $ 82,000 |
| Anson County North Carolina | 1 | $ 47,000 | $ 47,000 | $ 26,000 |
| Avery County North Carolina | 1 | $ 220,000 | $ 220,000 | $ 50,000 |
| Caldwell County North Carolina | 1 | $ 117,000 | $ 117,000 | $ 60,000 |
| Craven County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 82,000 |
| Haywood County North Carolina | 1 | $ 162,000 | $ 162,000 | $ 154,000 |
| Hoke County North Carolina | 1 | $ 38,000 | $ 38,000 | $ 61,000 |
| Jackson County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 50,000 |
| Macon County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 171,000 |
| Onslow County North Carolina | 1 | $ 29,000 | $ 29,000 | $ 64,000 |
| Pender County North Carolina | 1 | $ 133,000 | $ 133,000 | $ 42,000 |
| Person County North Carolina | 1 | $ 30,000 | $ 30,000 | $ 44,000 |
| Pitt County North Carolina | 1 | $ 44,000 | $ 44,000 | $ 140,000 |
| Swain County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 70,000 |
| Yancey County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 198,000 |
| Lorain County Ohio | 1 | $ 90,000 | $ 90,000 | $ 49,000 |
| Beaufort County South Carolina | 1 | $ 86,000 | $ 86,000 | $ 65,000 |
| Chesterfield County South Carolina | 1 | $ 91,000 | $ 91,000 | $ 83,000 |
| Darlington County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Florence County South Carolina | 1 | $ 158,000 | $ 158,000 | $ 99,000 |
| Georgetown County South Carolina | 1 | $ 120,000 | $ 120,000 | $ 48,000 |
| Jasper County South Carolina | 1 | $ 240,000 | $ 240,000 | $ 94,000 |
| Kershaw County South Carolina | 1 | $ 228,000 | $ 228,000 | $ 138,000 |
| Laurens County South Carolina | 1 | $ 63,000 | $ 63,000 | $ 72,000 |
| Oconee County South Carolina | 1 | $ 151,000 | $ 151,000 | $ 141,000 |
| Richland County South Carolina | 1 | $ 71,000 | $ 71,000 | $ 171,000 |
| Cheatham County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 150,000 |
| Haywood County Tennessee | 1 | $ 216,000 | $ 216,000 | $ 90,000 |
| Knox County Tennessee | 1 | $ 268,000 | $ 268,000 | $ 137,000 |
| Sevier County Tennessee | 1 | $ 92,000 | $ 92,000 | $ 49,000 |
| Wilson County Tennessee | 1 | $ 249,000 | $ 249,000 | $ 200,000 |
| Brunswick County Virginia | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Buchanan County Virginia | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Caroline County Virginia | 1 | $ 100,000 | $ 100,000 | $ 93,000 |
| Charles City County Virginia | 1 | $ 80,000 | $ 80,000 | $ 34,000 |
| Danville County Virginia | 1 | $ 30,000 | $ 30,000 | $ 28,000 |
| Goochland County Virginia | 1 | $ 29,000 | $ 29,000 | $ 77,000 |
| Martinsville County Virginia | 1 | $ 193,000 | $ 193,000 | $ 87,000 |
| Nelson County Virginia | 1 | $ 162,000 | $ 162,000 | $ 117,000 |
| Northumberland County Virginia | 1 | $ 120,000 | $ 120,000 | $ 186,000 |
| Nottoway County Virginia | 1 | $ 100,000 | $ 100,000 | $ 117,000 |
| Pittsylvania County Virginia | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Prince George County Virginia | 1 | $ 128,000 | $ 128,000 | $ 24,000 |
| Roanoke City County Virginia | 1 | $ 56,000 | $ 56,000 | $ 29,000 |
| Salem County Virginia | 1 | $ 50,000 | $ 50,000 | $ 115,000 |
| Washington County Virginia | 1 | $ 55,000 | $ 55,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for Truliant Federal Credit Union in 2016
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 | 1,626 | $170,193,000 | $104,000 | $645,000 | $69,000 | $772,000 |
| Home Purchase | 578 | $80,005,000 | $138,000 | $417,000 | $78,000 | $875,000 |
| Home Improvement | 419 | $19,350,000 | $46,000 | $400,000 | $70,000 | $307,000 |
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 | 1,738 | $182,132,000 | $104,000 | $417,000 | $74,000 | $772,000 |
| Black or African American | 366 | $36,055,000 | $98,000 | $410,000 | $68,000 | $474,000 |
| Hispanic | 272 | $21,415,000 | $78,000 | $405,000 | $47,000 | $193,000 |
| Not Provided | 187 | $22,065,000 | $117,000 | $417,000 | $84,000 | $875,000 |
| Asian | 42 | $5,410,000 | $128,000 | $417,000 | $81,000 | $223,000 |
| American Indian or Alaskan Native | 8 | $971,000 | $121,000 | $218,000 | $107,000 | $208,000 |
| Native Hawaiin or Other Pacific Islander | 8 | $725,000 | $90,000 | $147,000 | $47,000 | $68,000 |
| Not applicable | 2 | $775,000 | $387,000 | $645,000 | $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) | 2,623 | $269,548,000 | $102,000 | $645,000 | $71,000 | $875,000 |
| 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 | 1,172 | $115,757,000 | $98,000 | $645,000 | $74,000 | $772,000 |
| Application Denied By Financial Institution | 723 | $61,304,000 | $84,000 | $417,000 | $57,000 | $678,000 |
| Application Withdrawn By Applicant | 457 | $54,929,000 | $120,000 | $417,000 | $79,000 | $356,000 |
| File Closed For Incompleteness | 229 | $34,507,000 | $150,000 | $417,000 | $87,000 | $875,000 |
| Application Approved But Not Accepted | 42 | $3,051,000 | $72,000 | $177,000 | $69,000 | $208,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 65 | $6,129,000 | $94,000 | $304,000 | $47,000 | $140,000 |
| Collateral | 59 | $2,884,000 | $48,000 | $170,000 | $61,000 | $150,000 |
| Credit History | 53 | $3,337,000 | $62,000 | $230,000 | $52,000 | $121,000 |
| Other | 18 | $1,537,000 | $85,000 | $150,000 | $51,000 | $115,000 |
| Unverifiable Information | 11 | $846,000 | $76,000 | $155,000 | $56,000 | $120,000 |
| Credit Application Incomplete | 1 | $133,000 | $133,000 | $133,000 | $58,000 | $58,000 |
| 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 2016 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.