Truliant Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Truliant Federal Credit Union 2021 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 | 9,074 |
| Total Mortgage Loan Application Amount | $898,980,000 |
| Average Mortgage Loan Application Amount | $117,800 |
| Highest Mortgage Loan Application Amount | $1,455,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $3,300,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 1,444 | $ 153,940,000 | $ 106,000 | $ 103,000 |
| Guilford County North Carolina | 1,306 | $ 123,010,000 | $ 94,000 | $ 82,000 |
| Forsyth County North Carolina | 1,165 | $ 116,175,000 | $ 99,000 | $ 79,000 |
| Alamance County North Carolina | 668 | $ 57,520,000 | $ 86,000 | $ 71,000 |
| Randolph County North Carolina | 579 | $ 47,925,000 | $ 82,000 | $ 71,000 |
| Gaston County North Carolina | 378 | $ 36,010,000 | $ 95,000 | $ 76,000 |
| Davidson County North Carolina | 370 | $ 34,930,000 | $ 94,000 | $ 86,000 |
| Cabarrus County North Carolina | 330 | $ 35,670,000 | $ 108,000 | $ 109,000 |
| Union County North Carolina | 280 | $ 34,980,000 | $ 124,000 | $ 113,000 |
| Cleveland County North Carolina | 186 | $ 18,040,000 | $ 96,000 | $ 76,000 |
| Wythe County Virginia | 177 | $ 13,725,000 | $ 77,000 | $ 67,000 |
| Greenville County South Carolina | 143 | $ 14,255,000 | $ 99,000 | $ 77,000 |
| Pulaski County Virginia | 113 | $ 9,125,000 | $ 80,000 | $ 73,000 |
| York County South Carolina | 107 | $ 11,015,000 | $ 102,000 | $ 121,000 |
| Davie County North Carolina | 88 | $ 8,690,000 | $ 98,000 | $ 91,000 |
| Rockingham County North Carolina | 84 | $ 7,210,000 | $ 85,000 | $ 74,000 |
| Iredell County North Carolina | 82 | $ 10,640,000 | $ 129,000 | $ 120,000 |
| Lincoln County North Carolina | 81 | $ 9,155,000 | $ 113,000 | $ 139,000 |
| Stokes County North Carolina | 68 | $ 7,890,000 | $ 116,000 | $ 79,000 |
| Rowan County North Carolina | 67 | $ 8,025,000 | $ 119,000 | $ 93,000 |
| Wake County North Carolina | 59 | $ 6,015,000 | $ 101,000 | $ 107,000 |
| Yadkin County North Carolina | 55 | $ 5,515,000 | $ 100,000 | $ 73,000 |
| Carroll County Virginia | 50 | $ 4,180,000 | $ 83,000 | $ 70,000 |
| Henrico County Virginia | 48 | $ 4,630,000 | $ 96,000 | $ 101,000 |
| Catawba County North Carolina | 43 | $ 5,415,000 | $ 125,000 | $ 99,000 |
| Spartanburg County South Carolina | 41 | $ 4,055,000 | $ 98,000 | $ 78,000 |
| Surry County North Carolina | 39 | $ 3,645,000 | $ 93,000 | $ 78,000 |
| Lancaster County South Carolina | 39 | $ 4,665,000 | $ 119,000 | $ 112,000 |
| Orange County North Carolina | 34 | $ 3,040,000 | $ 89,000 | $ 85,000 |
| Horry County South Carolina | 33 | $ 6,575,000 | $ 199,000 | $ 112,000 |
| Montgomery County North Carolina | 31 | $ 2,235,000 | $ 72,000 | $ 83,000 |
| Montgomery County Virginia | 30 | $ 2,080,000 | $ 69,000 | $ 73,000 |
| Washington County Virginia | 28 | $ 2,090,000 | $ 74,000 | $ 59,000 |
| Brunswick County North Carolina | 26 | $ 3,690,000 | $ 141,000 | $ 155,000 |
| Caswell County North Carolina | 26 | $ 2,330,000 | $ 89,000 | $ 70,000 |
| Chesterfield County Virginia | 26 | $ 2,120,000 | $ 81,000 | $ 102,000 |
| Anderson County South Carolina | 24 | $ 2,120,000 | $ 88,000 | $ 112,000 |
| Henry County Virginia | 21 | $ 1,655,000 | $ 78,000 | $ 70,000 |
| Durham County North Carolina | 20 | $ 3,100,000 | $ 155,000 | $ 111,000 |
| Hanover County Virginia | 20 | $ 1,830,000 | $ 91,000 | $ 106,000 |
| Rutherford County North Carolina | 19 | $ 1,995,000 | $ 105,000 | $ 87,000 |
| Stanly County North Carolina | 19 | $ 2,295,000 | $ 120,000 | $ 101,000 |
| Bland County Virginia | 18 | $ 1,350,000 | $ 75,000 | $ 83,000 |
| Chatham County North Carolina | 17 | $ 1,465,000 | $ 86,000 | $ 101,000 |
| Moore County North Carolina | 16 | $ 1,370,000 | $ 85,000 | $ 76,000 |
| Grayson County Virginia | 14 | $ 1,580,000 | $ 112,000 | $ 50,000 |
| Smyth County Virginia | 14 | $ 1,370,000 | $ 97,000 | $ 81,000 |
| Floyd County Virginia | 13 | $ 1,305,000 | $ 100,000 | $ 71,000 |
| Radford County Virginia | 13 | $ 1,145,000 | $ 88,000 | $ 78,000 |
| Caldwell County North Carolina | 12 | $ 1,000,000 | $ 83,000 | $ 57,000 |
| New Hanover County North Carolina | 12 | $ 2,250,000 | $ 187,000 | $ 155,000 |
| Richmond City County Virginia | 12 | $ 1,480,000 | $ 123,000 | $ 209,000 |
| Buncombe County North Carolina | 11 | $ 1,075,000 | $ 97,000 | $ 71,000 |
| Galax County Virginia | 10 | $ 1,020,000 | $ 102,000 | $ 84,000 |
| Burke County North Carolina | 9 | $ 795,000 | $ 88,000 | $ 77,000 |
| Lee County North Carolina | 9 | $ 665,000 | $ 73,000 | $ 72,000 |
| Person County North Carolina | 9 | $ 465,000 | $ 51,000 | $ 85,000 |
| Wilkes County North Carolina | 9 | $ 775,000 | $ 86,000 | $ 85,000 |
| Laurens County South Carolina | 9 | $ 795,000 | $ 88,000 | $ 48,000 |
| Duval County Florida | 8 | $ 790,000 | $ 98,000 | $ 93,000 |
| Johnston County North Carolina | 8 | $ 500,000 | $ 62,000 | $ 93,000 |
| Stark County Ohio | 8 | $ 810,000 | $ 101,000 | $ 86,000 |
| Franklin County Virginia | 8 | $ 680,000 | $ 85,000 | $ 149,000 |
| Giles County Virginia | 8 | $ 1,230,000 | $ 153,000 | $ 102,000 |
| Pittsylvania County Virginia | 8 | $ 550,000 | $ 68,000 | $ 66,000 |
| Gwinnett County Georgia | 7 | $ 525,000 | $ 75,000 | $ 105,000 |
| Alexander County North Carolina | 7 | $ 605,000 | $ 86,000 | $ 72,000 |
| Carteret County North Carolina | 7 | $ 1,025,000 | $ 146,000 | $ 78,000 |
| Harnett County North Carolina | 7 | $ 385,000 | $ 55,000 | $ 108,000 |
| Pender County North Carolina | 7 | $ 1,065,000 | $ 152,000 | $ 77,000 |
| Charleston County South Carolina | 7 | $ 1,545,000 | $ 220,000 | $ 287,000 |
| Cherokee County South Carolina | 7 | $ 445,000 | $ 63,000 | $ 72,000 |
| Danville County Virginia | 7 | $ 345,000 | $ 49,000 | $ 65,000 |
| Palm Beach County Florida | 6 | $ 380,000 | $ 63,000 | $ 161,000 |
| Miami-Dade County Florida | 5 | $ 645,000 | $ 129,000 | $ 124,000 |
| Ashe County North Carolina | 5 | $ 635,000 | $ 127,000 | $ 149,000 |
| Jackson County North Carolina | 5 | $ 675,000 | $ 135,000 | $ 176,000 |
| Oconee County South Carolina | 5 | $ 485,000 | $ 97,000 | $ 126,000 |
| Pickens County South Carolina | 5 | $ 425,000 | $ 85,000 | $ 65,000 |
| Bedford County Virginia | 5 | $ 705,000 | $ 141,000 | $ 87,000 |
| Roanoke City County Virginia | 5 | $ 195,000 | $ 39,000 | $ 67,000 |
| Virginia Beach County Virginia | 5 | $ 795,000 | $ 159,000 | $ 72,000 |
| St. Johns County Florida | 4 | $ 400,000 | $ 100,000 | $ 122,000 |
| Coweta County Georgia | 4 | $ 540,000 | $ 135,000 | $ 117,000 |
| Avery County North Carolina | 4 | $ 1,100,000 | $ 275,000 | $ 251,000 |
| Cumberland County North Carolina | 4 | $ 290,000 | $ 72,000 | $ 95,000 |
| Dare County North Carolina | 4 | $ 360,000 | $ 90,000 | $ 126,000 |
| Henderson County North Carolina | 4 | $ 380,000 | $ 95,000 | $ 80,000 |
| Nash County North Carolina | 4 | $ 200,000 | $ 50,000 | $ 71,000 |
| Berkeley County South Carolina | 4 | $ 250,000 | $ 62,000 | $ 100,000 |
| Richland County South Carolina | 4 | $ 1,070,000 | $ 267,000 | $ 56,000 |
| Goochland County Virginia | 4 | $ 260,000 | $ 65,000 | $ 110,000 |
| King William County Virginia | 4 | $ 260,000 | $ 65,000 | $ 76,000 |
| Louisa County Virginia | 4 | $ 680,000 | $ 170,000 | $ 63,000 |
| Martinsville County Virginia | 4 | $ 220,000 | $ 55,000 | $ 49,000 |
| New Kent County Virginia | 4 | $ 750,000 | $ 187,000 | $ 97,000 |
| Patrick County Virginia | 4 | $ 200,000 | $ 50,000 | $ 87,000 |
| Tazewell County Virginia | 4 | $ 480,000 | $ 120,000 | $ 98,000 |
| Indian River County Florida | 3 | $ 475,000 | $ 158,000 | $ 57,000 |
| Lee County Florida | 3 | $ 135,000 | $ 45,000 | $ 103,000 |
| Orange County Florida | 3 | $ 265,000 | $ 88,000 | $ 150,000 |
| Pinellas County Florida | 3 | $ 145,000 | $ 48,000 | $ 142,000 |
| Cherokee County Georgia | 3 | $ 545,000 | $ 181,000 | $ 144,000 |
| Fulton County Georgia | 3 | $ 215,000 | $ 71,000 | $ 83,000 |
| Alleghany County North Carolina | 3 | $ 385,000 | $ 128,000 | $ 124,000 |
| Franklin County North Carolina | 3 | $ 295,000 | $ 98,000 | $ 77,000 |
| Granville County North Carolina | 3 | $ 405,000 | $ 135,000 | $ 73,000 |
| Hoke County North Carolina | 3 | $ 135,000 | $ 45,000 | $ 36,000 |
| McDowell County North Carolina | 3 | $ 835,000 | $ 278,000 | $ 97,000 |
| Pitt County North Carolina | 3 | $ 205,000 | $ 68,000 | $ 72,000 |
| Watauga County North Carolina | 3 | $ 665,000 | $ 221,000 | $ 128,000 |
| Summit County Ohio | 3 | $ 335,000 | $ 111,000 | $ 101,000 |
| Beaufort County South Carolina | 3 | $ 295,000 | $ 98,000 | $ 95,000 |
| Dorchester County South Carolina | 3 | $ 155,000 | $ 51,000 | $ 133,000 |
| Florence County South Carolina | 3 | $ 255,000 | $ 85,000 | $ 128,000 |
| Sumter County South Carolina | 3 | $ 305,000 | $ 101,000 | $ 103,000 |
| Norfolk County Virginia | 3 | $ 365,000 | $ 121,000 | $ 131,000 |
| Portsmouth County Virginia | 3 | $ 165,000 | $ 55,000 | $ 75,000 |
| Powhatan County Virginia | 3 | $ 435,000 | $ 145,000 | $ 117,000 |
| Prince George County Virginia | 3 | $ 375,000 | $ 125,000 | $ 38,000 |
| Roanoke County Virginia | 3 | $ 145,000 | $ 48,000 | $ 96,000 |
| Broward County Florida | 2 | $ 190,000 | $ 95,000 | $ 81,000 |
| Lake County Florida | 2 | $ 100,000 | $ 50,000 | $ 119,000 |
| Okaloosa County Florida | 2 | $ 620,000 | $ 310,000 | $ 369,000 |
| Osceola County Florida | 2 | $ 730,000 | $ 365,000 | $ 184,000 |
| St. Lucie County Florida | 2 | $ 50,000 | $ 25,000 | $ 44,000 |
| Barrow County Georgia | 2 | $ 70,000 | $ 35,000 | $ 45,000 |
| Cobb County Georgia | 2 | $ 400,000 | $ 200,000 | $ 178,000 |
| DeKalb County Georgia | 2 | $ 100,000 | $ 50,000 | $ 84,000 |
| Duplin County North Carolina | 2 | $ 120,000 | $ 60,000 | $ 138,000 |
| Macon County North Carolina | 2 | $ 180,000 | $ 90,000 | $ 58,000 |
| Onslow County North Carolina | 2 | $ 60,000 | $ 30,000 | $ 126,000 |
| Polk County North Carolina | 2 | $ 130,000 | $ 65,000 | $ 84,000 |
| Robeson County North Carolina | 2 | $ 70,000 | $ 35,000 | $ 48,000 |
| Sampson County North Carolina | 2 | $ 90,000 | $ 45,000 | $ 29,000 |
| Transylvania County North Carolina | 2 | $ 140,000 | $ 70,000 | $ 71,000 |
| Warren County North Carolina | 2 | $ 80,000 | $ 40,000 | $ 77,000 |
| Wayne County North Carolina | 2 | $ 190,000 | $ 95,000 | $ 84,000 |
| Tuscarawas County Ohio | 2 | $ 70,000 | $ 35,000 | $ 70,000 |
| Aiken County South Carolina | 2 | $ 90,000 | $ 45,000 | $ 79,000 |
| Darlington County South Carolina | 2 | $ 270,000 | $ 135,000 | $ 47,000 |
| Greenwood County South Carolina | 2 | $ 120,000 | $ 60,000 | $ 104,000 |
| Kershaw County South Carolina | 2 | $ 220,000 | $ 110,000 | $ 68,000 |
| Lexington County South Carolina | 2 | $ 210,000 | $ 105,000 | $ 106,000 |
| Williamson County Tennessee | 2 | $ 360,000 | $ 180,000 | $ 409,000 |
| Culpeper County Virginia | 2 | $ 270,000 | $ 135,000 | $ 293,000 |
| Halifax County Virginia | 2 | $ 80,000 | $ 40,000 | $ 47,000 |
| Loudoun County Virginia | 2 | $ 270,000 | $ 135,000 | $ 294,000 |
| Mecklenburg County Virginia | 2 | $ 230,000 | $ 115,000 | $ 77,000 |
| Newport News County Virginia | 2 | $ 140,000 | $ 70,000 | $ 79,000 |
| Stafford County Virginia | 2 | $ 210,000 | $ 105,000 | $ 119,000 |
| Alachua County Florida | 1 | $ 105,000 | $ 105,000 | $ 127,000 |
| Brevard County Florida | 1 | $ 155,000 | $ 155,000 | $ 96,000 |
| Clay County Florida | 1 | $ 395,000 | $ 395,000 | $ 135,000 |
| Hillsborough County Florida | 1 | $ 185,000 | $ 185,000 | $ 134,000 |
| Manatee County Florida | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Nassau County Florida | 1 | $ 285,000 | $ 285,000 | $ 140,000 |
| Pasco County Florida | 1 | $ 15,000 | $ 15,000 | $ 174,000 |
| Polk County Florida | 1 | $ 135,000 | $ 135,000 | $ 285,000 |
| Santa Rosa County Florida | 1 | $ 25,000 | $ 25,000 | $ 120,000 |
| Sumter County Florida | 1 | $ 315,000 | $ 315,000 | $ 98,000 |
| Carroll County Georgia | 1 | $ 245,000 | $ 245,000 | $ 156,000 |
| Chatham County Georgia | 1 | $ 15,000 | $ 15,000 | $ 52,000 |
| Columbia County Georgia | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Forsyth County Georgia | 1 | $ 155,000 | $ 155,000 | $ 369,000 |
| Glynn County Georgia | 1 | $ 15,000 | $ 15,000 | $ 75,000 |
| Henry County Georgia | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Houston County Georgia | 1 | $ 55,000 | $ 55,000 | $ 169,000 |
| Jackson County Georgia | 1 | $ 135,000 | $ 135,000 | $ 103,000 |
| Thomas County Georgia | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Prince George's County Maryland | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Anson County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 96,000 |
| Bladen County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 161,000 |
| Cherokee County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 35,000 |
| Columbus County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Craven County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 130,000 |
| Edgecombe County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| Graham County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 143,000 |
| Greene County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Lenoir County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 91,000 |
| Northampton County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Scotland County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| Swain County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 28,000 |
| Washington County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 124,000 |
| Wilson County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 7,000 |
| Yancey County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 160,000 |
| Ashland County Ohio | 1 | $ 25,000 | $ 25,000 | $ 10,000 |
| Ashtabula County Ohio | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Butler County Ohio | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Crawford County Ohio | 1 | $ 105,000 | $ 105,000 | $ 106,000 |
| Franklin County Ohio | 1 | $ 35,000 | $ 35,000 | $ 181,000 |
| Hamilton County Ohio | 1 | $ 35,000 | $ 35,000 | $ 90,000 |
| Licking County Ohio | 1 | $ 365,000 | $ 365,000 | $ 111,000 |
| Medina County Ohio | 1 | $ 55,000 | $ 55,000 | $ 68,000 |
| Warren County Ohio | 1 | $ 105,000 | $ 105,000 | $ 190,000 |
| Wyandot County Ohio | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Abbeville County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 90,000 |
| Chester County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 85,000 |
| Chesterfield County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Clarendon County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Colleton County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 85,000 |
| Georgetown County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Jasper County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 107,000 |
| Lee County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Davidson County Tennessee | 1 | $ 525,000 | $ 525,000 | $ 283,000 |
| Hamilton County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 125,000 |
| Knox County Tennessee | 1 | $ 475,000 | $ 475,000 | $ 162,000 |
| Polk County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 157,000 |
| Robertson County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 231,000 |
| Shelby County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Wilson County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 91,000 |
| Augusta County Virginia | 1 | $ 135,000 | $ 135,000 | $ 22,000 |
| Botetourt County Virginia | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Bristol County Virginia | 1 | $ 135,000 | $ 135,000 | $ 77,000 |
| Charles City County Virginia | 1 | $ 145,000 | $ 145,000 | $ 78,000 |
| Dinwiddie County Virginia | 1 | $ 35,000 | $ 35,000 | $ 85,000 |
| Fairfax County Virginia | 1 | $ 125,000 | $ 125,000 | $ 146,000 |
| King George County Virginia | 1 | $ 315,000 | $ 315,000 | $ 130,000 |
| Lee County Virginia | 1 | $ 55,000 | $ 55,000 | $ 26,000 |
| Lynchburg County Virginia | 1 | $ 35,000 | $ 35,000 | $ 102,000 |
| Orange County Virginia | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Russell County Virginia | 1 | $ 145,000 | $ 145,000 | $ 63,000 |
| Salem County Virginia | 1 | $ 55,000 | $ 55,000 | $ 127,000 |
| York County Virginia | 1 | $ 95,000 | $ 95,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for Truliant Federal Credit Union in 2021
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 | 3,103 | $353,415,000 | $113,000 | $1,455,000 | $82,000 | $1,177,000 |
| Home Improvement | 2,514 | $165,810,000 | $65,000 | $805,000 | $96,000 | $3,300,000 |
| Other Purpose | 2,006 | $125,060,000 | $62,000 | $555,000 | $89,000 | $840,000 |
| Home Purchase | 847 | $150,935,000 | $178,000 | $975,000 | $89,000 | $1,023,000 |
| Cash-out Refinancing | 604 | $103,760,000 | $171,000 | $545,000 | $84,000 | $612,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 5,068 | $522,080,000 | $103,000 | $805,000 | $94,000 | $1,725,000 |
| Black or African American | 1,388 | $124,420,000 | $89,000 | $505,000 | $79,000 | $840,000 |
| Not Provided | 1,278 | $116,990,000 | $91,000 | $545,000 | $96,000 | $612,000 |
| Hispanic | 1,103 | $103,505,000 | $93,000 | $435,000 | $62,000 | $3,300,000 |
| Asian | 194 | $25,490,000 | $131,000 | $405,000 | $106,000 | $696,000 |
| American Indian or Alaskan Native | 34 | $2,750,000 | $80,000 | $215,000 | $84,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $460,000 | $76,000 | $105,000 | $89,000 | $133,000 |
| Not applicable | 3 | $3,285,000 | $1,095,000 | $1,455,000 | $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) | 9,031 | $891,015,000 | $98,000 | $1,455,000 | $88,000 | $3,300,000 |
| FHA-insured (Federal Housing Administration) | 43 | $7,965,000 | $185,000 | $345,000 | $59,000 | $108,000 |
| 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 | 5,412 | $544,270,000 | $100,000 | $1,455,000 | $95,000 | $1,023,000 |
| Application Denied By Financial Institution | 2,046 | $171,390,000 | $83,000 | $545,000 | $70,000 | $3,300,000 |
| Application Withdrawn By Applicant | 1,189 | $137,275,000 | $115,000 | $805,000 | $89,000 | $1,725,000 |
| Application Approved But Not Accepted | 366 | $36,260,000 | $99,000 | $545,000 | $91,000 | $723,000 |
| File Closed For Incompleteness | 61 | $9,785,000 | $160,000 | $485,000 | $94,000 | $510,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 7,028 | $727,590,000 | $103,000 | $1,455,000 | $93,000 | $1,725,000 |
| Credit History | 679 | $45,845,000 | $67,000 | $405,000 | $70,000 | $840,000 |
| Debt-To-Income Ratio | 551 | $53,635,000 | $97,000 | $505,000 | $45,000 | $235,000 |
| Unverifiable Information | 488 | $44,950,000 | $92,000 | $545,000 | $85,000 | $3,300,000 |
| Collateral | 249 | $18,195,000 | $73,000 | $475,000 | $95,000 | $605,000 |
| Other | 68 | $7,440,000 | $109,000 | $545,000 | $79,000 | $336,000 |
| Employment History | 5 | $455,000 | $91,000 | $185,000 | $41,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $685,000 | $228,000 | $395,000 | $65,000 | $126,000 |
| Credit Application Incomplete | 3 | $185,000 | $61,000 | $125,000 | $59,000 | $77,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Truliant Federal Credit Union's 2021 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.