Truist Bank in Florida vs the state
41.5%Denial rate+20.47 pts vs state
47.3%Decision denial rate+20.10 pts vs state
43.3%Origination rate-9.43 pts vs state
6.60%Median rate-0.03 pts vs state
-0.03Rate spread (pts)-0.30 pts vs state
$114kMedian applicant income
6,117Loans originated
5,872Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17,675 | 7,240 | 45.2% | 7.88% | #6 |
| 2024 | 14,104 | 5,375 | 47.8% | 7.63% | #11 |
| 2025 | 14,140 | 6,117 | 41.5% | 6.60% | #10 |
What Truist Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Truist Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 1,235 | 570 | 482 | 39.0% |
| Broward County | 1,103 | 374 | 574 | 52.0% |
| Palm Beach County | 1,028 | 405 | 468 | 45.5% |
| Hillsborough County | 1,013 | 483 | 367 | 36.2% |
| Miami-Dade County | 998 | 319 | 544 | 54.5% |
| Pinellas County | 866 | 401 | 315 | 36.4% |
| Volusia County | 563 | 252 | 231 | 41.0% |
| Pasco County | 520 | 236 | 191 | 36.7% |
| Brevard County | 506 | 245 | 184 | 36.4% |
| Seminole County | 470 | 237 | 166 | 35.3% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Regions Bank | C | 14,062 | 39.5% | 5.38% |
Frequently asked questions
Florida: 14,140 applications in 2025, of which 6,117 were originated and 5,872 denied.
41.5% of all applications, or 47.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Truist Bank originated in Florida in 2025 was 6.60%, against a statewide median of 6.63%.
About this data. Figures are Truist Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology