Truist Bank in Pennsylvania vs the state
35.5%Denial rate+17.20 pts vs state
39.7%Decision denial rate+17.52 pts vs state
51.3%Origination rate-9.66 pts vs state
6.49%Median rate-0.13 pts vs state
-0.16Rate spread (pts)-0.40 pts vs state
$98kMedian applicant income
2,152Loans originated
1,489Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,505 | 2,159 | 40.1% | 7.85% | #14 |
| 2024 | 4,154 | 1,897 | 41.7% | 7.59% | #20 |
| 2025 | 4,195 | 2,152 | 35.5% | 6.49% | #24 |
What Truist Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Truist Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 607 | 355 | 198 | 32.6% |
| Chester County | 380 | 191 | 138 | 36.3% |
| Berks County | 369 | 202 | 122 | 33.1% |
| York County | 355 | 187 | 130 | 36.6% |
| Montgomery County | 279 | 150 | 93 | 33.3% |
| Northampton County | 265 | 143 | 87 | 32.8% |
| Lehigh County | 259 | 138 | 93 | 35.9% |
| Philadelphia County | 181 | 74 | 71 | 39.2% |
| Bucks County | 173 | 65 | 84 | 48.6% |
| Luzerne County | 160 | 62 | 75 | 46.9% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 4,195 applications in 2025, of which 2,152 were originated and 1,489 denied.
35.5% of all applications, or 39.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Truist Bank originated in Pennsylvania in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Truist Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology