Truist Bank: 2025 loan data
Truist Bank's 2025 at a glance, from the public report every mortgage lender files each year.
Filed as Truist Bank
- Home loans closed41,059Loans it funded in 2025
- Approval rate59.2%Of applications it said yes or no to
- Typical loan costs$5,206.31Middle amount, before taxes, prepaids and escrow
- Typical lender fees$1,421.49Its own charges to make the loan
These describe the lender's past loans. They are not a quote or a promise for your loan.
How these numbers are counted
Reported application outcomes and pricing, 2025
- Filed asTruist Bank
- 2025 home loan decisionsOf 72,978 applications decided by Truist Bank in 2025, 41,059 were originated, 2,144 were approved but not accepted by the borrower, and 29,775 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 59.2%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 7,333 applications were withdrawn by the borrower, 3,290 were closed for incompleteness, and 28,547 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.06 percentage points below the average prime offer rate (reported on 40,162 originations, 897 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$5,206.31 — originated closed-end household loans, 2025, 15,574 loans. FFIEC HMDA data browser.
- Median origination charges$1,421.49 — originated closed-end household loans, 2025, 15,574 loans. FFIEC HMDA data browser.
- Median lender credits$549.83 — originated closed-end household loans, 2025, 8,994 of 15,574 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types39,812 Conventional, 700 FHA, 490 VA, 57 USDA — of 41,059 reported originations, 2025. FFIEC HMDA data browser.
Evidence read November 11, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for Truist Bank — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.