Truist Bank in Alabama vs the state
38.8%Denial rate+18.90 pts vs state
44.6%Decision denial rate+19.62 pts vs state
45.7%Origination rate-9.72 pts vs state
6.75%Median rate+0.25 pts vs state
0.16Rate spread (pts)-0.13 pts vs state
$104kMedian applicant income
528Loans originated
448Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,239 | 553 | 41.7% | 7.13% | #34 |
| 2024 | 1,157 | 504 | 44.3% | 7.25% | #42 |
| 2025 | 1,156 | 528 | 38.8% | 6.75% | #47 |
What Truist Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Truist Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 173 | 85 | 67 | 38.7% |
| Baldwin County | 98 | 48 | 40 | 40.8% |
| Madison County | 93 | 44 | 31 | 33.3% |
| Lee County | 85 | 35 | 37 | 43.5% |
| Shelby County | 77 | 32 | 31 | 40.3% |
| Mobile County | 51 | 16 | 24 | 47.1% |
| Calhoun County | 50 | 20 | 22 | 44.0% |
| St. Clair County | 48 | 24 | 17 | 35.4% |
| Montgomery County | 48 | 18 | 23 | 47.9% |
| Limestone County | 31 | 16 | 7 | 22.6% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 1,156 applications in 2025, of which 528 were originated and 448 denied.
38.8% of all applications, or 44.6% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Truist Bank originated in Alabama in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Truist Bank's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology