Truist Bank in North Carolina vs the state
30.3%Denial rate+12.27 pts vs state
34.5%Decision denial rate+11.68 pts vs state
55.1%Origination rate-2.67 pts vs state
6.50%Median rate0.00 pts vs state
-0.05Rate spread (pts)-0.14 pts vs state
$101kMedian applicant income
7,920Loans originated
4,357Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15,640 | 8,278 | 34.1% | 7.49% | #4 |
| 2024 | 13,731 | 7,011 | 35.3% | 7.34% | #5 |
| 2025 | 14,364 | 7,920 | 30.3% | 6.50% | #5 |
What Truist Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Truist Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 1,540 | 856 | 479 | 31.1% |
| Mecklenburg County | 1,409 | 794 | 422 | 30.0% |
| Guilford County | 871 | 444 | 293 | 33.6% |
| Forsyth County | 541 | 307 | 159 | 29.4% |
| Union County | 508 | 321 | 127 | 25.0% |
| Brunswick County | 466 | 263 | 128 | 27.5% |
| Durham County | 444 | 215 | 132 | 29.7% |
| Pitt County | 383 | 255 | 75 | 19.6% |
| Catawba County | 380 | 221 | 102 | 26.8% |
| Gaston County | 379 | 210 | 112 | 29.6% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
| Freedom Mortgage | B | 9,632 | 7.1% | 6.13% |
Frequently asked questions
North Carolina: 14,364 applications in 2025, of which 7,920 were originated and 4,357 denied.
30.3% of all applications, or 34.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Truist Bank originated in North Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Truist Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology