# Truliant Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/truliant-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Truliant Federal Credit Union is a credit union, headquartered in Winston-Salem, NC, serving borrowers across 6 states, with 686 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 36% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 42% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300VXXDSMSH313G18
- **Headquarters:** Winston-Salem, NC
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** FL, GA, NC, OH, SC, VA
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.8%
- **Brokered/Wholesale:** 0.2%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.346%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $880
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 686
- **Dollar Volume:** $205 million
- **Applications Received:** 1,145
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $299,359
- **Average Borrower Income:** $130,350
- **Average Property Value:** $436,356

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 609 | +0.373% | $852 | Strong 😀 |
| FHA | 51/100 | 17 | +0.156% | $925 | Sound ☺️ |
| VA | 37/100 | 10 | -0.488% | $1,502 | Acceptable 🙂 |
| Jumbo | 74/100 | 50 | -0.077% | $2,243 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 408 loans, Score: 62/100 (Strong)
- Refinance: 201 loans, Score: 75/100 (Strong)

**Jumbo:**
- Purchase: 49 loans, Score: 75/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 482 | $176M | +0.193% | Strong 😀 |
| Refinance | 73/100 | 204 | $30M | +0.628% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NC | 532 | 0.36% | 79/100 |
| SC | 107 | 0.13% | 68/100 |
| VA | 40 | 0.04% | 54/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Winston | NC | 152 | 85/100 |
| Greensboro | NC | 139 | 83/100 |
| Charlotte | NC-SC | 129 | 73/100 |
| Greenville | SC | 65 | 70/100 |
| Non |  | 65 | 46/100 |
| Burlington, NC | NC | 52 | 79/100 |
| Blacksburg | VA | 15 | 51/100 |
| Hickory | NC | 15 | 49/100 |

## Where This Lender Ranks

Truliant Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Greenville for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Greensboro Credit Unions
  - [View Full Rankings](https://saferate.com/greensboro/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in North Carolina for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Winston Credit Unions
  - [View Full Rankings](https://saferate.com/winston/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Greensboro for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/greensboro/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Charlotte for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/charlotte/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Greenville Credit Unions
  - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Greenville for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Burlington, NC for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/burlington-nc/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Hickory for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/hickory/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Blacksburg for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/blacksburg/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in North Carolina for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Winston for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/winston/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Charlotte Credit Unions
  - [View Full Rankings](https://saferate.com/charlotte/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Charlotte for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/charlotte/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in North Carolina Credit Unions
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in Greenville for Jumbo Loans
  - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/jumbo-loans)
- 🏆 **#8** in Greensboro
  - [View Full Rankings](https://saferate.com/greensboro/best-mortgage-lenders)
- 🏆 **#8** in Burlington, NC
  - [View Full Rankings](https://saferate.com/burlington-nc/best-mortgage-lenders)
- 🏆 **#9** in Greensboro for Conventional Loans
  - [View Full Rankings](https://saferate.com/greensboro/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Truliant Federal Credit Union offer?

Truliant Federal Credit Union offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Truliant Federal Credit Union offer mortgages?

Truliant Federal Credit Union offers mortgages in 6 states: FL, GA, NC, OH, SC, VA.

### How competitive are Truliant Federal Credit Union's mortgage rates?

Truliant Federal Credit Union has a pricing score of 64/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.346% above market average.

### What type of lender is Truliant Federal Credit Union?

Truliant Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Winston-Salem, NC.

### What is Truliant Federal Credit Union's loan approval success rate?

Truliant Federal Credit Union has a pull-through score of 58/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/truliant-federal-credit-union

### How to Cite

> "Truliant Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/truliant-federal-credit-union

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