Lender Register

Lenders › Truliant Federal Credit Union › North Carolina

Truliant Federal Credit Union in North Carolina

HMDA record for properties in North Carolina, calendar year 2024. National record · North Carolina overview

LEI 549300VXXDSMSH313G18
Reporting agency National Credit Union Administration
State North Carolina

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

In North Carolina, Truliant Federal Credit Union reported 8,339 applications and 4,045 originations for 2024, $474m in all.

Its denial rate in the state was 44.8%, above the North Carolina rate of 24.0% across all lenders and compared with the lender's national rate of 44.2%.

The median rate spread on its North Carolina originations was 0.4 percentage points (state median 0.2).

Applications in the state were about level with 2023.

8,339applications in NC, 202484.5% of the lender's total
4,045loans originated$474m
44.8%denial rateNC all lenders 24.0%
0.4 ppmedian rate spreadNC 0.2 pp

Compared with the state and the lender's national record

MeasureIn North CarolinaNorth Carolina, all lendersTruliant Federal Credit Union, all statesUnited States
Denial rate44.8%24.0%44.2%24.3%
Median rate spread, pp0.40.20.40.3
Originations with spread of 1.5 pp or more24.3%11.8%24.3%15.6%
Average originated loan$117k$299k$123k$329k
Home purchase share12.4%56.3%13.5%57.0%
FHA-insured share0.3%11.8%0.4%13.4%
VA-guaranteed share0.2%11.8%0.2%7.9%

Trend by year

ApplicationsOriginations

04560.59,1212022: 9,121 Applications2023: 8,028 Applications2024: 8,339 Applications2022: 5,360 Originations2023: 4,181 Originations2024: 4,045 Originations202220232024
Truliant Federal Credit Union in North Carolina: applications and originations, 2022–2024

This lender in stateNorth Carolina, all lenders

0%22.4%44.8%2022: 30.5% This lender in state2023: 37.2% This lender in state2024: 44.8% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in North Carolina

By purpose

Home purchase 12% (502)Home improvement 33% (1,343)Refinancing 22% (873)Cash-out refinancing 9% (349)Other purpose 24% (978)

By type

Conventional 99% (4,024)FHA 0% (13)VA 0% (8)

Denial reasons as coded

Debt-to-income ratio31.5%
Credit history26.2%
Other22.4%
Collateral10%
Unverifiable information9.4%
Employment history0.4%
Credit application incomplete0.1%
Insufficient cash (downpayment, closing costs)0%
Mortgage insurance denied0%

Share of 3,430 denials in North Carolina by first denial reason coded (outlined bar: all lenders in the state).

Counties in North Carolina

CountyApplicationsOriginationsAmountDenial rate
Guilford County1,401700$73m44.5%
Mecklenburg County1,448601$81m51.5%
Forsyth County1,159543$61m47.1%
Alamance County758388$39m41.4%
Randolph County614314$28m44.4%
Davidson County464263$26m36.2%
Gaston County409188$18m47.2%
Cabarrus County347156$18m47.1%
Union County278146$28m38.6%
Cleveland County226117$12m43.9%
Rockingham County13972$6.0m45.1%
Davie County8750$4.8m32.9%
Iredell County8943$8.5m43.4%
Stokes County7743$4.6m35.6%
Rowan County7942$6.1m38.7%
Lincoln County7341$4.0m37.9%
Surry County6631$2.8m45.8%
Wake County4126$7.2m32.5%
Catawba County4822$4.2m44.2%
Yadkin County4421$2.4m44.7%
Caswell County3018$1.1m33.3%
Chatham County3617$1.6m48.6%
Stanly County3216$1.6m41.9%
Orange County4715$2.0m54.8%
Brunswick County3115$4.1m33.3%
Montgomery County2715$1.7m32.0%
Durham County2812$3.6m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Truliant Federal Credit Union originate in North Carolina in 2024?

4,045 loans totalling $474m, from 8,339 applications reported for properties in North Carolina.

What is Truliant Federal Credit Union's denial rate in North Carolina?

44.8% of decided applications in North Carolina were denied, against 24.0% for all lenders in the state and 44.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which North Carolina counties does Truliant Federal Credit Union lend in most?

By originations: Guilford County (700), Mecklenburg County (601), Forsyth County (543), Alamance County (388), Randolph County (314).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in North Carolina. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.