Lender in North Carolina · HMDA 2025
Truliant Federal Credit Union mortgages in North Carolina
Truliant Federal Credit Union's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Truliant Federal Credit Union originated 605 owner-occupied single-family loans in North Carolina from 972 completed applications.
Its median conventional purchase loan costs were $3,690 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
605
of 972 applications
Denial rate
14.2%
Purchase · NC 7.6%
Rate spread
+0.24 pts
Conv. · NC +0.04 pts
Loan amount
$245,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 401 | 311 | 14.2% | 6.625% | +0.24 pts | $3,690 | $245,000 |
| Refinance | 98 | 45 | 53.1% | — | +0.65 pts | $0 | $105,000 |
| Cash-out refinance | 473 | 249 | 44.4% | 6.750% | +1.00 pts | $0 | $115,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Truliant Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Alamance County | 8 | 78 | 2.7% |
| Randolph County | 8 | 49 | 2.7% |
| Cleveland County | 8 | 31 | 2.5% |
| Guilford County | 14 | 117 | 1.8% |
| Forsyth County | 15 | 99 | 1.7% |
| Davidson County | 20 | 33 | 1.2% |
| Davie County | 20 | 8 | 1.1% |
| Montgomery County | 21 | 3 | 1.1% |
| Stokes County | 22 | 6 | 1.0% |
| Caswell County | 25 | 2 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology