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Truliant Federal Credit Union
Credit Union|Winston-Salem, NC|Multi-Region
Loans Originated
686
Applications
1,145
Volume
$205 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.346%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$880
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
59.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in Conventional and Jumbo loans
Report Card
Truliant Federal Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
VA | Acceptable | Near industry average | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 8 metro areas · 6 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$299,359
Average Borrower Income
$130,350
Average Property Value
$436,356
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Sound | 609 | 88.8% | +0.373% | $852 |
FHA Loans | Acceptable | Sound | N/A | Acceptable | 17 | 2.5% | +0.156% | $925 |
VA Loans | Acceptable | Acceptable | N/A | N/A | 10 | 1.5% | -0.488% | $1,502 |
Jumbo Loans | Strong | Strong | N/A | Strong | 50 | 7.3% | -0.077% | $2,243 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Sound | 482 | 70.3% | +0.193% | $1,094 |
Refinance | Sound | Strong | Sound | Sound | 204 | 29.7% | +0.628% | $488 |
Geographic Coverage
Metro Areas
7
States Served
6
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
FLGANCOHSCVA
Top Metro Areas by Place Specialization Score
1
Winston, NCMSA
Volume: 152Mix: 22.16%
Place Specialization
Exceptional
2
Greensboro, NCMSA
Volume: 139Mix: 20.26%
Place Specialization
Exceptional
3
Burlington, NC, NCMSA
Volume: 52Mix: 7.58%
Place Specialization
Strong
4
Charlotte, NC-SCMSA
Volume: 129Mix: 18.80%
Place Specialization
Strong
5
Greenville, SCMSA
Volume: 65Mix: 9.48%
Place Specialization
Strong
6
Blacksburg, VAMSA
Volume: 15Mix: 2.19%
Place Specialization
Sound
7
Hickory, NCMSA
Volume: 15Mix: 2.19%
Place Specialization
Sound
Top States by Place Specialization Score
1
NCState
Volume: 532Mix: 77.55%
Place Specialization
Strong
2
SCState
Volume: 107Mix: 15.60%
Place Specialization
Strong
3
VAState
Volume: 40Mix: 5.83%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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