Truist Bank: 2025 mortgage rates, costs & approvals
How Truist Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Truist Bank · LEI JJKC32MCHWDI71265Z06
In 2025, Truist Bank originated 13,869 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 49 states — 37th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.49% (all lenders: 6.625%); its median rate spread was 18 basis points below the national median. Median conventional loan costs were $5,440, about the same as the national median ($5,570).
It denied 7.6% of completed home-purchase applications (all lenders: 8.5%).
How Truist Bank priced home-purchase loans
| Purchase loans, 2025 | Truist Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.490% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | 5.500% | 5.875% |
| Rate spread vs. APOR · conventional | −0.05 pts | +0.13 pts |
| Total loan costs · conventional | $5,440 | $5,570 |
| Total loan costs · FHA | $9,930 | $11,310 |
| Total loan costs · VA | $5,780 | $6,490 |
| Origination charges (all types) | $1,380 | $1,860 |
| Borrowers paying discount points | 49.6% | 51.3% |
| Points paid, when paid (% of loan) | 0.33% | 0.87% |
| Borrowers receiving lender credits | 60.5% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Truist Bank denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Truist Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| North Carolina | 2,560 | 2,768 | 4.9% | 6.490% | $4,680 |
| Virginia | 1,981 | 2,205 | 6.0% | 6.375% | $5,470 |
| Georgia | 1,786 | 2,030 | 8.4% | 6.490% | $6,020 |
| Florida | 1,723 | 2,006 | 11.2% | 6.490% | $6,850 |
| Maryland | 1,149 | 1,277 | 6.9% | 6.375% | $5,550 |
| South Carolina | 628 | 716 | 8.8% | 6.490% | $4,960 |
| Tennessee | 540 | 635 | 11.2% | 6.375% | $4,960 |
| Pennsylvania | 522 | 583 | 5.5% | 6.490% | $5,450 |
| Texas | 493 | 572 | 9.9% | 6.490% | $7,530 |
| Kentucky | 397 | 453 | 6.3% | 6.490% | $4,140 |
| West Virginia | 375 | 425 | 9.3% | 6.490% | $4,150 |
| Missouri | 293 | 326 | 4.0% | 6.625% | $3,390 |
| Alabama | 178 | 197 | 4.1% | 6.600% | $3,820 |
| New Jersey | 155 | 176 | 11.5% | 6.375% | $7,270 |
| California | 129 | 160 | 12.8% | 6.625% | $8,040 |
| District of Columbia | 112 | 125 | 5.9% | 6.250% | $7,760 |
| Iowa | 110 | 122 | 9.0% | 6.375% | $7,880 |
| Ohio | 91 | 101 | 8.3% | 6.490% | $5,090 |
| Arkansas | 75 | 80 | 3.5% | 6.490% | $3,500 |
| Delaware | 64 | 69 | 7.5% | 6.490% | $5,770 |
| Indiana | 51 | 56 | 10.3% | 6.490% | $3,650 |
| Illinois | 45 | 52 | 10.3% | — | $5,880 |
| Massachusetts | 42 | 48 | 10.3% | — | $6,350 |
| Minnesota | 42 | 46 | 12.5% | 6.490% | $5,430 |
| Colorado | 35 | 38 | 3.7% | — | $4,240 |
| Kansas | 32 | 36 | — | — | — |
| New York | 27 | 33 | 14.8% | — | $7,240 |
| Mississippi | 24 | 27 | 5.0% | — | — |
| Connecticut | 19 | 21 | — | — | — |
| Michigan | 18 | 20 | — | — | — |
| Oklahoma | 17 | 17 | — | — | — |
| Washington | 17 | 17 | — | — | — |
| Louisiana | 15 | 21 | — | — | — |
| New Mexico | 14 | 16 | — | — | — |
| Nebraska | 13 | 15 | — | — | — |
| Idaho | 12 | 12 | — | — | — |
| Utah | 11 | 15 | — | — | — |
| Oregon | 10 | 11 | — | — | — |
| New Hampshire | 10 | 10 | — | — | — |
| Arizona | 9 | 9 | — | — | — |
| Montana | 8 | 11 | — | — | — |
| Maine | 8 | 8 | — | — | — |
| Vermont | 7 | 7 | — | — | — |
| Wisconsin | 6 | 6 | — | — | — |
| Wyoming | 5 | 5 | — | — | — |
| Nevada | 4 | 5 | — | — | — |
| Rhode Island | 4 | 4 | — | — | — |
| North Dakota | 2 | 2 | — | — | — |
| South Dakota | 1 | 2 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Truist Bank's page for that state.
Counties where Truist Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Doddridge County, WV | 2 | 3 | 13.0% |
| Nicholas County, WV | 2 | 17 | 11.7% |
| Mingo County, WV | 4 | 6 | 11.5% |
| Marshall County, WV | 2 | 27 | 10.3% |
| Calhoun County, WV | 5 | 2 | 10.0% |
| Emporia city, VA | 2 | 4 | 8.5% |
| Gallatin County, KY | 2 | 7 | 8.4% |
| Ohio County, WV | 4 | 27 | 7.7% |
| Martin County, KY | 6 | 2 | 7.4% |
| Ellis County, OK | 11 | 1 | 7.1% |
| Garrett County, MD | 4 | 18 | 7.1% |
| Pitt County, NC | 4 | 137 | 6.1% |
| Raleigh County, WV | 5 | 44 | 5.8% |
| Greene County, NC | 6 | 6 | 5.7% |
| Charlotte County, VA | 7 | 4 | 5.4% |
Check Truist Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI JJKC32MCHWDI71265Z06.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Truist Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology