Truliant Federal Credit Union in North Carolina vs the state
44.7%Denial rate+26.60 pts vs state
49.6%Decision denial rate+26.78 pts vs state
43.5%Origination rate-14.27 pts vs state
7.25%Median rate+0.75 pts vs state
0.27Rate spread (pts)+0.18 pts vs state
$84kMedian applicant income
3,466Loans originated
3,555Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8,028 | 4,181 | 33.6% | 8.00% | #10 |
| 2024 | 8,339 | 4,045 | 41.1% | 8.25% | #11 |
| 2025 | 7,961 | 3,466 | 44.7% | 7.25% | #12 |
What Truliant Federal Credit Union lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Truliant Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Guilford County | 1,374 | 588 | 619 | 45.1% |
| Mecklenburg County | 1,290 | 503 | 615 | 47.7% |
| Forsyth County | 1,110 | 475 | 522 | 47.0% |
| Alamance County | 694 | 334 | 276 | 39.8% |
| Randolph County | 584 | 284 | 246 | 42.1% |
| Gaston County | 390 | 179 | 174 | 44.6% |
| Davidson County | 382 | 175 | 160 | 41.9% |
| Cabarrus County | 298 | 127 | 127 | 42.6% |
| Union County | 298 | 129 | 136 | 45.6% |
| Cleveland County | 249 | 127 | 95 | 38.2% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 7,961 applications in 2025, of which 3,466 were originated and 3,555 denied.
44.7% of all applications, or 49.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Truliant Federal Credit Union originated in North Carolina in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Truliant Federal Credit Union's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology