Applications / Mortgage Analytics / Lenders / North Carolina / Truliant Federal Credit Union
Winston Salem, NC · Credit union · NCUA · $5.4 billion assets · 4,204 loans in 2025
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4,204
loans originated, 2025
9,768
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Truliant Federal Credit Union is a North Carolina lender of small loans, mostly refinance and home improvement, whose originations fell 13% in 2025 as it lost share in each of its five largest markets.
Similar lenders are credit unions making between half and twice as many loans. Refinance (34.1%), home improvement (31.7%) and other purposes (21.6%) made up most of its lending; purchases were 12.7%. Its typical loan was $95,000 against $110,000, lower than more than four in five similar lenders.
Originations fell 13% to 4,204, while similar lenders grew 8% and the whole market 10%. Its share fell in all five of its largest markets, including Greensboro-High Point, from 2.8% to 2.3%, where State Employees' Credit Union ranks first, and Winston-Salem, from 2.6% to 2.3%. Fewer refinance or home-improvement applications, or competition from larger lenders, could explain it.
LMI (low- and moderate-income) borrowers took 31.9% of its loans against 27.3%, higher than about four in five similar lenders, and LMI areas 20.1% against 15.0%, higher than more than nine in ten. Majority-minority areas took 21.6% against 9.1%.
Manufactured homes were 7.1% of its loans against 0.5%, higher than nearly all similar lenders. Even so, higher-priced loans (a rate well above the average for similar loans) were 1.9% against 1.5%, near the middle. Its typical rate of 7.25% against 6.88% was higher than about two-thirds of similar lenders; its manufactured-home and home-improvement lending could explain that.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Truliant Federal Credit Union took 9,768 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 34.1% · Home improvement 31.7% · Other 21.6% · Purchase 12.7%
Conventional 99.4% · FHA 0.3% · VA 0.3% · of 4,204 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| North Carolina | 3,466 | 82.4% |
| South Carolina | 377 | 9.0% |
| Virginia | 322 | 7.7% |
| Georgia | 16 | 0.4% |
| Florida | 10 | 0.2% |
| Tennessee | 8 | 0.2% |
| Ohio | 5 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charlotte-Concord-Gastonia | 1,103 |
| Greensboro-High Point | 920 |
| Winston-Salem | 761 |
| Burlington | 334 |
| Greenville-Anderson-Greer | 226 |
| Blacksburg-Christiansburg-Radford | 119 |
| Durham-Chapel Hill | 59 |
| Spartanburg | 43 |
| Hickory-Lenoir-Morganton | 41 |
| Richmond | 34 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VXXDSMSH313G18 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 446185 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57840 | 1990–2017 |
Established 1 January 1952. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Truliant Federal Credit Union's data.
Truliant Federal Credit Union's data
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