Truliant Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Truliant Federal Credit Union 2023 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 | 9,442 |
| Total Mortgage Loan Application Amount | $1,148,990,000 |
| Average Mortgage Loan Application Amount | $151,000 |
| Highest Mortgage Loan Application Amount | $9,005,000 |
| Average Applicant Income | $108,600 |
| Highest Applicant Income | $3,422,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 1,549 | $ 196,315,000 | $ 126,000 | $ 119,000 |
| Guilford County North Carolina | 1,331 | $ 126,765,000 | $ 95,000 | $ 90,000 |
| Forsyth County North Carolina | 1,027 | $ 105,725,000 | $ 102,000 | $ 91,000 |
| Alamance County North Carolina | 679 | $ 65,485,000 | $ 96,000 | $ 84,000 |
| Randolph County North Carolina | 578 | $ 46,840,000 | $ 81,000 | $ 84,000 |
| Davidson County North Carolina | 382 | $ 36,970,000 | $ 96,000 | $ 93,000 |
| Gaston County North Carolina | 364 | $ 33,230,000 | $ 91,000 | $ 89,000 |
| Cabarrus County North Carolina | 346 | $ 37,890,000 | $ 109,000 | $ 105,000 |
| Union County North Carolina | 277 | $ 43,535,000 | $ 157,000 | $ 135,000 |
| Greenville County South Carolina | 236 | $ 37,590,000 | $ 159,000 | $ 98,000 |
| Cleveland County North Carolina | 177 | $ 17,195,000 | $ 97,000 | $ 74,000 |
| Wythe County Virginia | 148 | $ 11,710,000 | $ 79,000 | $ 87,000 |
| York County South Carolina | 129 | $ 21,075,000 | $ 163,000 | $ 138,000 |
| Lincoln County North Carolina | 117 | $ 16,095,000 | $ 137,000 | $ 119,000 |
| Rockingham County North Carolina | 110 | $ 10,330,000 | $ 93,000 | $ 85,000 |
| Iredell County North Carolina | 99 | $ 15,665,000 | $ 158,000 | $ 128,000 |
| Pulaski County Virginia | 98 | $ 6,770,000 | $ 69,000 | $ 84,000 |
| Wake County North Carolina | 91 | $ 51,535,000 | $ 566,000 | $ 245,000 |
| Davie County North Carolina | 86 | $ 9,260,000 | $ 107,000 | $ 99,000 |
| Rowan County North Carolina | 73 | $ 6,755,000 | $ 92,000 | $ 90,000 |
| Stokes County North Carolina | 71 | $ 5,445,000 | $ 76,000 | $ 84,000 |
| Lancaster County South Carolina | 68 | $ 13,090,000 | $ 192,000 | $ 148,000 |
| Spartanburg County South Carolina | 54 | $ 6,730,000 | $ 124,000 | $ 99,000 |
| Pickens County South Carolina | 51 | $ 13,495,000 | $ 264,000 | $ 148,000 |
| Brunswick County North Carolina | 48 | $ 16,500,000 | $ 343,000 | $ 219,000 |
| Catawba County North Carolina | 45 | $ 6,465,000 | $ 143,000 | $ 118,000 |
| Yadkin County North Carolina | 44 | $ 3,870,000 | $ 87,000 | $ 78,000 |
| Orange County North Carolina | 41 | $ 6,045,000 | $ 147,000 | $ 98,000 |
| Montgomery County North Carolina | 39 | $ 3,205,000 | $ 82,000 | $ 64,000 |
| Anderson County South Carolina | 37 | $ 5,865,000 | $ 158,000 | $ 129,000 |
| Stanly County North Carolina | 35 | $ 3,455,000 | $ 98,000 | $ 88,000 |
| Surry County North Carolina | 35 | $ 2,695,000 | $ 77,000 | $ 82,000 |
| Carroll County Virginia | 33 | $ 2,375,000 | $ 71,000 | $ 64,000 |
| Caswell County North Carolina | 31 | $ 3,065,000 | $ 98,000 | $ 79,000 |
| Chesterfield County Virginia | 30 | $ 3,280,000 | $ 109,000 | $ 105,000 |
| Caldwell County North Carolina | 29 | $ 10,235,000 | $ 352,000 | $ 161,000 |
| Chatham County North Carolina | 29 | $ 16,045,000 | $ 553,000 | $ 206,000 |
| Horry County South Carolina | 29 | $ 4,325,000 | $ 149,000 | $ 103,000 |
| Henrico County Virginia | 24 | $ 2,940,000 | $ 122,000 | $ 118,000 |
| Johnston County North Carolina | 22 | $ 4,240,000 | $ 192,000 | $ 116,000 |
| Rutherford County North Carolina | 21 | $ 1,955,000 | $ 93,000 | $ 104,000 |
| Montgomery County Virginia | 21 | $ 2,085,000 | $ 99,000 | $ 127,000 |
| Durham County North Carolina | 20 | $ 2,550,000 | $ 127,000 | $ 117,000 |
| Oconee County South Carolina | 20 | $ 6,760,000 | $ 338,000 | $ 201,000 |
| Grayson County Virginia | 19 | $ 1,425,000 | $ 75,000 | $ 77,000 |
| Hanover County Virginia | 19 | $ 1,885,000 | $ 99,000 | $ 129,000 |
| Moore County North Carolina | 17 | $ 1,565,000 | $ 92,000 | $ 72,000 |
| New Hanover County North Carolina | 16 | $ 10,890,000 | $ 680,000 | $ 282,000 |
| Henry County Virginia | 16 | $ 1,220,000 | $ 76,000 | $ 86,000 |
| Floyd County Virginia | 15 | $ 1,205,000 | $ 80,000 | $ 70,000 |
| Radford County Virginia | 15 | $ 1,005,000 | $ 67,000 | $ 100,000 |
| Wilkes County North Carolina | 14 | $ 1,230,000 | $ 87,000 | $ 78,000 |
| Burke County North Carolina | 13 | $ 1,915,000 | $ 147,000 | $ 70,000 |
| Smyth County Virginia | 13 | $ 825,000 | $ 63,000 | $ 81,000 |
| Lee County North Carolina | 12 | $ 2,830,000 | $ 235,000 | $ 137,000 |
| Lexington County South Carolina | 12 | $ 1,110,000 | $ 92,000 | $ 153,000 |
| Carteret County North Carolina | 11 | $ 2,705,000 | $ 245,000 | $ 204,000 |
| Cherokee County South Carolina | 11 | $ 1,315,000 | $ 119,000 | $ 154,000 |
| Franklin County Virginia | 10 | $ 5,010,000 | $ 501,000 | $ 207,000 |
| Charleston County South Carolina | 9 | $ 2,945,000 | $ 327,000 | $ 166,000 |
| Richmond City County Virginia | 9 | $ 755,000 | $ 83,000 | $ 85,000 |
| Duval County Florida | 8 | $ 1,570,000 | $ 196,000 | $ 90,000 |
| Buncombe County North Carolina | 8 | $ 1,400,000 | $ 175,000 | $ 97,000 |
| Chester County South Carolina | 8 | $ 1,030,000 | $ 128,000 | $ 96,000 |
| Galax County Virginia | 8 | $ 730,000 | $ 91,000 | $ 77,000 |
| Giles County Virginia | 8 | $ 490,000 | $ 61,000 | $ 94,000 |
| Gwinnett County Georgia | 7 | $ 1,345,000 | $ 192,000 | $ 175,000 |
| Harnett County North Carolina | 7 | $ 2,065,000 | $ 295,000 | $ 308,000 |
| Onslow County North Carolina | 7 | $ 1,905,000 | $ 272,000 | $ 161,000 |
| Pender County North Carolina | 7 | $ 2,215,000 | $ 316,000 | $ 141,000 |
| Richland County South Carolina | 7 | $ 605,000 | $ 86,000 | $ 142,000 |
| Palm Beach County Florida | 6 | $ 1,090,000 | $ 181,000 | $ 98,000 |
| Cumberland County North Carolina | 6 | $ 450,000 | $ 75,000 | $ 99,000 |
| Duplin County North Carolina | 6 | $ 410,000 | $ 68,000 | $ 105,000 |
| Person County North Carolina | 6 | $ 440,000 | $ 73,000 | $ 164,000 |
| Richmond County North Carolina | 6 | $ 410,000 | $ 68,000 | $ 71,000 |
| Scotland County North Carolina | 6 | $ 680,000 | $ 113,000 | $ 61,000 |
| Stark County Ohio | 6 | $ 540,000 | $ 90,000 | $ 124,000 |
| Bland County Virginia | 6 | $ 320,000 | $ 53,000 | $ 67,000 |
| Broward County Florida | 5 | $ 575,000 | $ 115,000 | $ 101,000 |
| Cherokee County Georgia | 5 | $ 1,155,000 | $ 231,000 | $ 86,000 |
| Cobb County Georgia | 5 | $ 585,000 | $ 117,000 | $ 127,000 |
| Henderson County North Carolina | 5 | $ 535,000 | $ 107,000 | $ 107,000 |
| Nash County North Carolina | 5 | $ 285,000 | $ 57,000 | $ 94,000 |
| Watauga County North Carolina | 5 | $ 375,000 | $ 75,000 | $ 79,000 |
| Greenwood County South Carolina | 5 | $ 645,000 | $ 129,000 | $ 105,000 |
| New Kent County Virginia | 5 | $ 275,000 | $ 55,000 | $ 95,000 |
| Hillsborough County Florida | 4 | $ 260,000 | $ 65,000 | $ 64,000 |
| Indian River County Florida | 4 | $ 160,000 | $ 40,000 | $ 85,000 |
| Fulton County Georgia | 4 | $ 250,000 | $ 62,000 | $ 118,000 |
| Anson County North Carolina | 4 | $ 310,000 | $ 77,000 | $ 126,000 |
| Ashe County North Carolina | 4 | $ 400,000 | $ 100,000 | $ 110,000 |
| Franklin County North Carolina | 4 | $ 770,000 | $ 192,000 | $ 147,000 |
| McDowell County North Carolina | 4 | $ 1,130,000 | $ 282,000 | $ 115,000 |
| Robeson County North Carolina | 4 | $ 200,000 | $ 50,000 | $ 62,000 |
| Warren County North Carolina | 4 | $ 1,430,000 | $ 357,000 | $ 352,000 |
| Wayne County North Carolina | 4 | $ 80,000 | $ 20,000 | $ 44,000 |
| Wilson County North Carolina | 4 | $ 790,000 | $ 197,000 | $ 100,000 |
| Knox County Tennessee | 4 | $ 220,000 | $ 55,000 | $ 170,000 |
| Washington County Tennessee | 4 | $ 550,000 | $ 137,000 | $ 83,000 |
| Roanoke City County Virginia | 4 | $ 180,000 | $ 45,000 | $ 100,000 |
| Washington County Virginia | 4 | $ 320,000 | $ 80,000 | $ 76,000 |
| Orange County Florida | 3 | $ 405,000 | $ 135,000 | $ 174,000 |
| Pasco County Florida | 3 | $ 205,000 | $ 68,000 | $ 100,000 |
| Sarasota County Florida | 3 | $ 1,265,000 | $ 421,000 | $ 371,000 |
| St. Johns County Florida | 3 | $ 705,000 | $ 235,000 | $ 221,000 |
| Forsyth County Georgia | 3 | $ 425,000 | $ 141,000 | $ 147,000 |
| Alexander County North Carolina | 3 | $ 505,000 | $ 168,000 | $ 68,000 |
| Dare County North Carolina | 3 | $ 1,515,000 | $ 505,000 | $ 241,000 |
| Haywood County North Carolina | 3 | $ 345,000 | $ 115,000 | $ 108,000 |
| Sampson County North Carolina | 3 | $ 285,000 | $ 95,000 | $ 67,000 |
| Vance County North Carolina | 3 | $ 305,000 | $ 101,000 | $ 115,000 |
| Chesterfield County South Carolina | 3 | $ 325,000 | $ 108,000 | $ 64,000 |
| Laurens County South Carolina | 3 | $ 385,000 | $ 128,000 | $ 152,000 |
| Johnson County Tennessee | 3 | $ 295,000 | $ 98,000 | $ 66,000 |
| Bedford County Virginia | 3 | $ 335,000 | $ 111,000 | $ 168,000 |
| Campbell County Virginia | 3 | $ 525,000 | $ 175,000 | $ 167,000 |
| Danville County Virginia | 3 | $ 215,000 | $ 71,000 | $ 93,000 |
| Loudoun County Virginia | 3 | $ 185,000 | $ 61,000 | $ 170,000 |
| Louisa County Virginia | 3 | $ 655,000 | $ 218,000 | $ 119,000 |
| Martinsville County Virginia | 3 | $ 185,000 | $ 61,000 | $ 64,000 |
| Pittsylvania County Virginia | 3 | $ 355,000 | $ 118,000 | $ 47,000 |
| Powhatan County Virginia | 3 | $ 345,000 | $ 115,000 | $ 83,000 |
| Tazewell County Virginia | 3 | $ 115,000 | $ 38,000 | $ 101,000 |
| Virginia Beach County Virginia | 3 | $ 205,000 | $ 68,000 | $ 108,000 |
| Manatee County Florida | 2 | $ 280,000 | $ 140,000 | $ 184,000 |
| Miami-Dade County Florida | 2 | $ 60,000 | $ 30,000 | $ 60,000 |
| Clayton County Georgia | 2 | $ 90,000 | $ 45,000 | $ 84,000 |
| DeKalb County Georgia | 2 | $ 110,000 | $ 55,000 | $ 63,000 |
| Houston County Georgia | 2 | $ 150,000 | $ 75,000 | $ 123,000 |
| Alleghany County North Carolina | 2 | $ 200,000 | $ 100,000 | $ 136,000 |
| Chowan County North Carolina | 2 | $ 370,000 | $ 185,000 | $ 92,000 |
| Columbus County North Carolina | 2 | $ 770,000 | $ 385,000 | $ 141,000 |
| Edgecombe County North Carolina | 2 | $ 190,000 | $ 95,000 | $ 58,000 |
| Granville County North Carolina | 2 | $ 90,000 | $ 45,000 | $ 71,000 |
| Lenoir County North Carolina | 2 | $ 130,000 | $ 65,000 | $ 51,000 |
| Macon County North Carolina | 2 | $ 190,000 | $ 95,000 | $ 247,000 |
| Mitchell County North Carolina | 2 | $ 110,000 | $ 55,000 | $ 135,000 |
| Pamlico County North Carolina | 2 | $ 1,300,000 | $ 650,000 | $ 181,000 |
| Licking County Ohio | 2 | $ 180,000 | $ 90,000 | $ 172,000 |
| Aiken County South Carolina | 2 | $ 100,000 | $ 50,000 | $ 68,000 |
| Dorchester County South Carolina | 2 | $ 380,000 | $ 190,000 | $ 327,000 |
| Georgetown County South Carolina | 2 | $ 90,000 | $ 45,000 | $ 140,000 |
| Orangeburg County South Carolina | 2 | $ 70,000 | $ 35,000 | $ 118,000 |
| Hickman County Tennessee | 2 | $ 170,000 | $ 85,000 | $ 75,000 |
| Williamson County Tennessee | 2 | $ 90,000 | $ 45,000 | $ 168,000 |
| Charles City County Virginia | 2 | $ 150,000 | $ 75,000 | $ 32,000 |
| Fairfax County Virginia | 2 | $ 230,000 | $ 115,000 | $ 122,000 |
| Frederick County Virginia | 2 | $ 390,000 | $ 195,000 | $ 153,000 |
| Goochland County Virginia | 2 | $ 270,000 | $ 135,000 | $ 130,000 |
| Halifax County Virginia | 2 | $ 130,000 | $ 65,000 | $ 112,000 |
| King William County Virginia | 2 | $ 60,000 | $ 30,000 | $ 72,000 |
| Newport News County Virginia | 2 | $ 110,000 | $ 55,000 | $ 96,000 |
| Patrick County Virginia | 2 | $ 70,000 | $ 35,000 | $ 84,000 |
| Roanoke County Virginia | 2 | $ 110,000 | $ 55,000 | $ 189,000 |
| Suffolk County Virginia | 2 | $ 150,000 | $ 75,000 | $ 100,000 |
| Bay County Florida | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| Hernando County Florida | 1 | $ 225,000 | $ 225,000 | $ 85,000 |
| Lee County Florida | 1 | $ 25,000 | $ 25,000 | $ 69,000 |
| Leon County Florida | 1 | $ 65,000 | $ 65,000 | $ 59,000 |
| Okaloosa County Florida | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Osceola County Florida | 1 | $ 85,000 | $ 85,000 | $ 419,000 |
| Polk County Florida | 1 | $ 265,000 | $ 265,000 | $ 299,000 |
| Santa Rosa County Florida | 1 | $ 105,000 | $ 105,000 | $ 133,000 |
| St. Lucie County Florida | 1 | $ 85,000 | $ 85,000 | $ 167,000 |
| Sumter County Florida | 1 | $ 245,000 | $ 245,000 | $ 103,000 |
| Suwannee County Florida | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
| Walton County Florida | 1 | $ 85,000 | $ 85,000 | $ 118,000 |
| Camden County Georgia | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| Chatham County Georgia | 1 | $ 4,525,000 | $ 4,525,000 | $ 0 |
| Clarke County Georgia | 1 | $ 45,000 | $ 45,000 | $ 66,000 |
| Coweta County Georgia | 1 | $ 55,000 | $ 55,000 | $ 98,000 |
| Elbert County Georgia | 1 | $ 75,000 | $ 75,000 | $ 142,000 |
| Fayette County Georgia | 1 | $ 35,000 | $ 35,000 | $ 186,000 |
| Henry County Georgia | 1 | $ 155,000 | $ 155,000 | $ 102,000 |
| Oconee County Georgia | 1 | $ 85,000 | $ 85,000 | $ 155,000 |
| Paulding County Georgia | 1 | $ 185,000 | $ 185,000 | $ 162,000 |
| Tift County Georgia | 1 | $ 155,000 | $ 155,000 | $ 144,000 |
| Whitfield County Georgia | 1 | $ 4,505,000 | $ 4,505,000 | $ 0 |
| Lamar County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 310,000 |
| Ocean County New Jersey | 1 | $ 355,000 | $ 355,000 | $ 96,000 |
| Avery County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 216,000 |
| Beaufort County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 49,000 |
| Currituck County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 99,000 |
| Halifax County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 239,000 |
| Hoke County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 307,000 |
| Jackson County North Carolina | 1 | $ 805,000 | $ 805,000 | $ 248,000 |
| Madison County North Carolina | 1 | $ 435,000 | $ 435,000 | $ 270,000 |
| Pitt County North Carolina | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Transylvania County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 130,000 |
| Yancey County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 200,000 |
| Carroll County Ohio | 1 | $ 255,000 | $ 255,000 | $ 211,000 |
| Crawford County Ohio | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Cuyahoga County Ohio | 1 | $ 115,000 | $ 115,000 | $ 150,000 |
| Franklin County Ohio | 1 | $ 65,000 | $ 65,000 | $ 95,000 |
| Greene County Ohio | 1 | $ 165,000 | $ 165,000 | $ 128,000 |
| Lawrence County Ohio | 1 | $ 15,000 | $ 15,000 | $ 87,000 |
| Montgomery County Ohio | 1 | $ 45,000 | $ 45,000 | $ 100,000 |
| Summit County Ohio | 1 | $ 95,000 | $ 95,000 | $ 78,000 |
| Warren County Ohio | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Bamberg County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 113,000 |
| Clarendon County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 27,000 |
| Colleton County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 118,000 |
| Darlington County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 74,000 |
| Dillon County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Fairfield County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Kershaw County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 95,000 |
| Marlboro County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| McCormick County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 146,000 |
| Saluda County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 250,000 |
| Bradley County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
| Carter County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Claiborne County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Davidson County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 120,000 |
| Jefferson County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 51,000 |
| Morgan County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 61,000 |
| Rutherford County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 105,000 |
| Sumner County Tennessee | 1 | $ 5,000 | $ 5,000 | $ 38,000 |
| Tipton County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 689,000 |
| Wilson County Tennessee | 1 | $ 405,000 | $ 405,000 | $ 165,000 |
| Amelia County Virginia | 1 | $ 55,000 | $ 55,000 | $ 148,000 |
| Botetourt County Virginia | 1 | $ 255,000 | $ 255,000 | $ 102,000 |
| Bristol County Virginia | 1 | $ 15,000 | $ 15,000 | $ 47,000 |
| Brunswick County Virginia | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Buchanan County Virginia | 1 | $ 115,000 | $ 115,000 | $ 108,000 |
| Colonial Heights County Virginia | 1 | $ 225,000 | $ 225,000 | $ 137,000 |
| Fluvanna County Virginia | 1 | $ 45,000 | $ 45,000 | $ 64,000 |
| King George County Virginia | 1 | $ 75,000 | $ 75,000 | $ 216,000 |
| Lunenburg County Virginia | 1 | $ 85,000 | $ 85,000 | $ 157,000 |
| Lynchburg County Virginia | 1 | $ 185,000 | $ 185,000 | $ 144,000 |
| Middlesex County Virginia | 1 | $ 75,000 | $ 75,000 | $ 306,000 |
| Orange County Virginia | 1 | $ 95,000 | $ 95,000 | $ 143,000 |
| Poquoson County Virginia | 1 | $ 25,000 | $ 25,000 | $ 238,000 |
| Prince Edward County Virginia | 1 | $ 45,000 | $ 45,000 | $ 451,000 |
| Prince William County Virginia | 1 | $ 75,000 | $ 75,000 | $ 191,000 |
| Salem County Virginia | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Spotsylvania County Virginia | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| York County Virginia | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for Truliant Federal Credit Union in 2023
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 3,362 | $276,600,000 | $82,000 | $405,000 | $97,000 | $3,422,000 |
| Other Purpose | 2,717 | $202,125,000 | $74,000 | $455,000 | $93,000 | $1,050,000 |
| Refinancing | 1,479 | $196,935,000 | $133,000 | $9,005,000 | $108,000 | $1,920,000 |
| Home Purchase | 1,093 | $377,135,000 | $345,000 | $4,525,000 | $148,000 | $1,710,000 |
| Cash-out Refinancing | 791 | $96,195,000 | $121,000 | $2,505,000 | $97,000 | $1,836,000 |
| 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 | 4,768 | $603,890,000 | $126,000 | $2,505,000 | $112,000 | $3,422,000 |
| Black or African American | 1,647 | $165,665,000 | $100,000 | $1,975,000 | $95,000 | $1,920,000 |
| Not Provided | 1,474 | $178,680,000 | $121,000 | $2,505,000 | $112,000 | $1,836,000 |
| Hispanic | 1,299 | $132,105,000 | $101,000 | $885,000 | $73,000 | $684,000 |
| Asian | 186 | $37,250,000 | $200,000 | $2,025,000 | $129,000 | $936,000 |
| American Indian or Alaskan Native | 48 | $4,400,000 | $91,000 | $375,000 | $103,000 | $454,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $2,325,000 | $211,000 | $1,605,000 | $119,000 | $475,000 |
| Not applicable | 9 | $24,675,000 | $2,741,000 | $9,005,000 | $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) | 9,338 | $1,121,400,000 | $120,000 | $9,005,000 | $104,000 | $3,422,000 |
| FHA-insured (Federal Housing Administration) | 89 | $23,485,000 | $263,000 | $585,000 | $80,000 | $247,000 |
| VA-guaranteed (Veterans Administration) | 15 | $4,105,000 | $273,000 | $425,000 | $96,000 | $205,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 4,915 | $632,105,000 | $128,000 | $4,505,000 | $116,000 | $1,628,000 |
| Application Denied By Financial Institution | 3,153 | $319,515,000 | $101,000 | $9,005,000 | $86,000 | $3,422,000 |
| Application Withdrawn By Applicant | 922 | $138,390,000 | $150,000 | $2,505,000 | $100,000 | $1,204,000 |
| Application Approved But Not Accepted | 430 | $50,940,000 | $118,000 | $2,005,000 | $105,000 | $1,710,000 |
| File Closed For Incompleteness | 22 | $8,040,000 | $365,000 | $2,505,000 | $141,000 | $577,000 |
| 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 | 6,289 | $829,475,000 | $131,000 | $4,505,000 | $113,000 | $1,710,000 |
| Debt-To-Income Ratio | 975 | $106,275,000 | $109,000 | $565,000 | $61,000 | $324,000 |
| Credit History | 953 | $75,845,000 | $79,000 | $485,000 | $90,000 | $1,920,000 |
| Unverifiable Information | 562 | $57,650,000 | $102,000 | $705,000 | $101,000 | $3,422,000 |
| Collateral | 380 | $50,250,000 | $132,000 | $9,005,000 | $114,000 | $960,000 |
| Other | 267 | $27,585,000 | $103,000 | $755,000 | $95,000 | $468,000 |
| Employment History | 16 | $1,910,000 | $119,000 | $355,000 | $74,000 | $201,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2023 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.