Truliant Federal Credit Union mortgage approval rate & lending review
Truliant Federal Credit Union decided 15,897 mortgage applications and funded 8,913 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Truliant Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Truliant Federal Credit Union at a glance
Approval is 10.7 points below the 70.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 76% | 1,585 / 2,095 | 91% | $215K | 1,450 |
| Home improvement loans | 54% | 4,102 / 7,588 | 95% | $65K | 3,900 |
| Cash-out refinance | 59% | 1,169 / 1,993 | 94% | $105K | 1,097 |
| Refinance | 64% | 2,450 / 3,858 | 95% | $105K | 2,339 |
| Investment property purchase | 74% | 79 / 107 | 90% | $165K | 71 |
| Investment cash-out refinance | 50% | 21 / 42 | 90% | $125K | 19 |
| Investment refinance | 38% | 17 / 45 | 94% | $115K | 16 |
| Investment home improvement | 12% | 21 / 169 | 100% | $105K | 21 |
Truliant Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| North Carolina | 60% | $85K | 14,150 | 7,939 |
| South Carolina | 61% | $115K | 1,369 | 798 |
| Virginia | 65% | $75K | 147 | 86 |
| Florida | 42% | $85K | 98 | 38 |
| Georgia | 47% | $85K | 53 | 24 |
| Tennessee | 46% | $55K | 24 | 11 |
| Ohio | 78% | $85K | 23 | 17 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Truliant Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Guilford County, NC | Home improvement loans | 53% | 1,262 | 644 |
| Mecklenburg County, NC | Home improvement loans | 53% | 1,288 | 637 |
| Forsyth County, NC | Home improvement loans | 50% | 1,006 | 473 |
| Guilford County, NC | Refinance | 65% | 725 | 447 |
| Mecklenburg County, NC | Refinance | 58% | 787 | 432 |
| Alamance County, NC | Home improvement loans | 56% | 623 | 336 |
| Forsyth County, NC | Refinance | 62% | 546 | 325 |
| Randolph County, NC | Home improvement loans | 58% | 525 | 294 |
| Forsyth County, NC | Mortgage lenders | 76% | 333 | 236 |
| Davidson County, NC | Home improvement loans | 59% | 401 | 232 |
| Alamance County, NC | Refinance | 68% | 318 | 201 |
| Guilford County, NC | Cash-out refinance | 56% | 362 | 193 |
The county markets where Truliant Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Truliant Federal Credit Union
What is Truliant Federal Credit Union's mortgage approval rate?
Truliant Federal Credit Union approved 59.4% of the 15,897 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.7 points below the 70.1% national rate for the same mix of loan types.
How often do borrowers take the loan Truliant Federal Credit Union offers?
Borrowers accepted 94% of the loans Truliant Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Truliant Federal Credit Union make?
The typical home improvement loan loan Truliant Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Truliant Federal Credit Union lend?
Truliant Federal Credit Union decided applications in 24 of the states Fat Boy Data covers, most of them in North Carolina, South Carolina and Virginia.
Can I apply to Truliant Federal Credit Union directly?
Yes. Truliant Federal Credit Union is a bank or credit union with 38 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Truliant Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Truliant Federal Credit Union treats applications, then get a rate quote from the lender.