Mortgage Lender Index

Truist Bank

Truist Bank received 83,471 applications in 2025 and made 41,001 mortgages, in 2,020 counties across 49 states. The median rate its borrowers got was 6.490% on a median loan of $175,000. Of 72,899 decisions, 29,754 were denials — 40.8%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.

Legal Entity IdentifierJJKC32MCHWDI71265Z06
Applications received83,471
Mortgages made41,001
Denied29,754
Approved, not taken up2,144
Withdrawn or incomplete10,572
Loans bought from other lenders28,547
Median rate spread over the prime offer rate-0.06 points
FDIC-insured bankYes: Truist Bank, 1,931 offices

By loan purpose

PurposeMortgages madeMedian rateMedian loanDenied
Home purchase12,889 6.350%$375,000 13.4%
Refinancing9,697 6.390%$155,000 35.1%
Cash-out refinancing2,105 6.625%$185,000 21.7%
Other purposes16,310 7.100%$105,000 55.0%

Where Truist Bank lends most

The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.

CountyMortgages madeMedian rateDenied
Fairfax County, VA 9506.240%32.9%
Wake County, NC 8566.300%35.0%
Montgomery County, MD 7956.340%33.2%
Mecklenburg County, NC 7946.320%33.7%
Fulton County, GA 7866.240%37.8%
Orange County, FL 5706.365%44.0%
Loudoun County, VA 5116.250%29.2%
Cobb County, GA 5016.340%41.2%
Hillsborough County, FL 4836.475%42.0%
Guilford County, NC 4446.583%38.5%
DeKalb County, GA 4336.365%44.3%
Palm Beach County, FL 4056.440%51.7%
Pinellas County, FL 4016.475%42.1%
Broward County, FL 3746.490%59.1%
Gwinnett County, GA 3626.490%53.4%
Lancaster County, PA 3556.490%34.7%
Prince William County, VA 3486.375%39.4%
Greenville County, SC 3466.695%36.0%
Prince George's County, MD 3236.750%52.2%
Chesterfield County, VA 3236.500%36.1%
Union County, NC 3216.625%27.9%
Miami-Dade County, FL 3196.365%61.6%
Anne Arundel County, MD 3116.490%39.7%
Forsyth County, NC 3076.625%33.5%
Hamilton County, TN 2926.613%41.1%
Knox County, TN 2886.650%30.9%
Frederick County, MD 2836.500%35.9%
Henrico County, VA 2806.590%39.5%
Baltimore County, MD 2736.400%45.2%
Jefferson County, KY 2686.600%41.3%
Horry County, SC 2686.700%42.5%
Brunswick County, NC 2636.490%31.8%
Pitt County, NC 2556.490%22.2%
Volusia County, FL 2526.990%46.9%
Davidson County, TN 2506.500%49.2%
Brevard County, FL 2456.700%41.5%
District of Columbia, DC 2406.250%46.7%
Spartanburg County, SC 2386.565%30.1%
Seminole County, FL 2376.865%39.9%
Pasco County, FL 2366.750%43.1%
Howard County, MD 2226.375%33.5%
Catawba County, NC 2216.740%30.8%
Forsyth County, GA 2196.365%40.9%
Virginia Beach city, VA 2166.613%42.1%
Durham County, NC 2156.375%35.7%
Sarasota County, FL 2116.590%38.9%
Gaston County, NC 2106.750%33.2%
Berks County, PA 2026.625%36.6%
New Hanover County, NC 2006.445%32.3%
Cherokee County, GA 1986.490%36.9%

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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.