Truist Bank in California vs the state
54.0%Denial rate+36.54 pts vs state
61.1%Decision denial rate+38.68 pts vs state
33.0%Origination rate-23.24 pts vs state
6.38%Median rate-0.25 pts vs state
-0.19Rate spread (pts)-0.46 pts vs state
$184kMedian applicant income
325Loans originated
532Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 933 | 376 | 45.2% | 6.68% | #141 |
| 2024 | 913 | 243 | 60.2% | 7.24% | #167 |
| 2025 | 986 | 325 | 54.0% | 6.38% | #175 |
What Truist Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Truist Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 208 | 69 | 113 | 54.3% |
| San Diego County | 111 | 42 | 55 | 49.5% |
| Orange County | 98 | 32 | 53 | 54.1% |
| Riverside County | 66 | 26 | 30 | 45.5% |
| San Bernardino County | 57 | 13 | 34 | 59.6% |
| Santa Clara County | 54 | 14 | 36 | 66.7% |
| Sacramento County | 41 | 13 | 25 | 61.0% |
| Ventura County | 41 | 16 | 17 | 41.5% |
| Contra Costa County | 37 | 7 | 27 | 73.0% |
| Alameda County | 34 | 10 | 19 | 55.9% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 986 applications in 2025, of which 325 were originated and 532 denied.
54.0% of all applications, or 61.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Truist Bank originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Truist Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology