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 score and performance metrics.

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 an overall pricing score of 64/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Truliant Federal Credit Union?

Truliant Federal Credit Union is a Credit Union headquartered in Winston-Salem, NC.

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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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

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

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

609 loans · 0.37% above market

Strong

Top 40% of lenders

4/5

FHA

17 loans · 0.16% above market

Sound

Top 60% of lenders

3/5

10 loans · 0.49% below market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

50 loans · 0.08% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

482 loans · 0.19% above market

Strong

Top 40% of lenders

4/5

Refinance

204 loans · 0.63% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 8 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

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%Above	$852Fees
FHA Loans	Sound	Sound	—	Acceptable	17	2.5%	+0.156%Above	$925Fees
VA Loans	Acceptable	Acceptable	—	—	10	1.5%	-0.488%Below	$1,502Fees
Jumbo Loans	Strong	Strong	—	Strong	50	7.3%	-0.077%Below	$2,243Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Sound	482	70.3%	+0.193%Above	$1,094Fees
Refinance	Strong	Strong	Sound	Sound	204	29.7%	+0.628%Above	$488Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

6Full-year 2024 · HMDA

Loans originated

< 5050–100100+None

Midwest1

South5

FLGANCSCVA

Top Metro Areas by Place Specialization Score

Winston, NCMetro

Volume 152Mix 22.16% of portfolio

85/100

Exceptional

Greensboro, NCMetro

Volume 139Mix 20.26% of portfolio

83/100

Exceptional

Burlington, NCMetro

Volume 52Mix 7.58% of portfolio

79/100

Strong

Charlotte, NC-SCMetro

Volume 129Mix 18.80% of portfolio

73/100

Strong

Greenville, SCMetro

Volume 65Mix 9.48% of portfolio

70/100

Strong

Blacksburg, VAMetro

Volume 15Mix 2.19% of portfolio

51/100

Sound

Hickory, NCMetro

Volume 15Mix 2.19% of portfolio

49/100

Sound

Top States by Place Specialization Score

North CarolinaState

Volume 532Mix 77.55% of portfolio

79/100

Strong

South CarolinaState

Volume 107Mix 15.60% of portfolio

68/100

Strong

VirginiaState

Volume 40Mix 5.83% of portfolio

54/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.