Truist Bank in Texas vs the state
46.7%Denial rate+27.31 pts vs state
53.7%Decision denial rate+28.76 pts vs state
37.5%Origination rate-17.37 pts vs state
6.37%Median rate-0.13 pts vs state
-0.16Rate spread (pts)-0.35 pts vs state
$164kMedian applicant income
1,260Loans originated
1,570Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,271 | 1,220 | 46.6% | 7.09% | #56 |
| 2024 | 2,976 | 1,037 | 51.3% | 7.13% | #66 |
| 2025 | 3,359 | 1,260 | 46.7% | 6.37% | #56 |
What Truist Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Truist Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 486 | 169 | 234 | 48.1% |
| Harris County | 479 | 179 | 222 | 46.3% |
| Collin County | 329 | 113 | 167 | 50.8% |
| Tarrant County | 295 | 118 | 129 | 43.7% |
| Travis County | 251 | 99 | 110 | 43.8% |
| Denton County | 235 | 100 | 103 | 43.8% |
| Bexar County | 185 | 66 | 91 | 49.2% |
| Fort Bend County | 135 | 40 | 76 | 56.3% |
| Montgomery County | 119 | 48 | 55 | 46.2% |
| Williamson County | 84 | 38 | 32 | 38.1% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 3,359 applications in 2025, of which 1,260 were originated and 1,570 denied.
46.7% of all applications, or 53.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Truist Bank originated in Texas in 2025 was 6.37%, against a statewide median of 6.50%.
About this data. Figures are Truist Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology