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Truliant Federal Credit Union

Credit Union•Winston-Salem, NCHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Truliant Federal Credit Union — 686 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 7 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

Truliant Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+34.6 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
VA
Acceptable
Bottom 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume609
Mix88.8%
Spread
+0.373%Above
Fees
$852Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Acceptable
Volume17
Mix2.5%
Spread
+0.156%Above
Fees
$925Fees
VA Loans
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through—
Volume10
Mix1.5%
Spread
-0.488%Below
Fees
$1,502Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume50
Mix7.3%
Spread
-0.077%Below
Fees
$2,243Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume482
Mix70.3%
Spread
+0.193%Above
Fees
$1,094Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume204
Mix29.7%
Spread
+0.628%Above
Fees
$488Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
686
Applications
1,145
Volume
$205 million
Pricing & Closing
Avg Rate Spread
+0.346%
vs. market APOR
Avg Net Fees
$880
Origination − Credits
Pullthrough Rate
59.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$299,359
Avg Borrower Income
$130,350
Avg Property Value
$436,356

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

6
6 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest1
OH
South5
FLGANCSCVA

Top Metro Areas by Place Specialization Score

1© DiscoA340 · CC BY-SA 4.0
Winston, NCMetro
Volume 152Mix 22.16% of portfolio
85/100
Exceptional
2© Warren LeMay from Cullowhee, NC, United States · CC0
Greensboro, NCMetro
Volume 139Mix 20.26% of portfolio
83/100
Exceptional
3© Boston Public Library · CC BY 2.0
Burlington, NCMetro
Volume 52Mix 7.58% of portfolio
79/100
Strong
4© chucka_nc · CC BY-SA 2.0
Charlotte, NC-SCMetro
Volume 129Mix 18.80% of portfolio
73/100
Strong
5© Spatms · CC BY-SA 4.0
Greenville, SCMetro
Volume 65Mix 9.48% of portfolio
70/100
Strong
6© Idawriter · CC BY-SA 3.0
Blacksburg, VAMetro
Volume 15Mix 2.19% of portfolio
51/100
Sound
7© Unknown authorUnknown author · Public domain
Hickory, NCMetro
Volume 15Mix 2.19% of portfolio
49/100
Sound

Top States by Place Specialization Score

North Carolina
North Carolina
1
North CarolinaState
Volume 532Mix 77.55% of portfolio
79/100
Strong
South Carolina
South Carolina
2
South CarolinaState
Volume 107Mix 15.60% of portfolio
68/100
Strong
Virginia
Virginia
3
VirginiaState
Volume 40Mix 5.83% of portfolio
54/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.