Lender in North Carolina · HMDA 2025
Truist Bank mortgages in North Carolina
Truist Bank's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Truist Bank originated 2,560 owner-occupied single-family loans in North Carolina from 2,768 completed applications, making it the state's #12 lender by volume.
Its median conventional purchase loan costs were $4,680 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.49% (North Carolina: 6.50%).
Loans in NC
2,560
of 2,768 applications
Denial rate
4.9%
Purchase · NC 7.6%
Rate spread
−0.04 pts
Conv. · NC +0.04 pts
Loan amount
$355,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,131 | 2,012 | 4.9% | 6.490% | −0.04 pts | $4,680 | $355,000 |
| Refinance | 218 | 196 | 7.8% | 6.250% | −0.01 pts | $4,000 | $335,000 |
| Cash-out refinance | 419 | 352 | 14.8% | 6.990% | +0.40 pts | $3,890 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Truist Bank ranks in the top 25
Showing the 30 counties where it ranks highest, of 67.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Pitt County | 4 | 137 | 6.1% |
| Sampson County | 5 | 18 | 3.6% |
| Halifax County | 6 | 9 | 3.7% |
| Greene County | 6 | 6 | 5.7% |
| Chatham County | 7 | 30 | 2.3% |
| Wilkes County | 7 | 18 | 3.2% |
| Person County | 7 | 11 | 2.4% |
| Watauga County | 7 | 11 | 2.9% |
| Alleghany County | 7 | 4 | 3.1% |
| Guilford County | 9 | 157 | 2.4% |
| Wilson County | 9 | 29 | 3.0% |
| Burke County | 9 | 19 | 1.9% |
| Rutherford County | 9 | 13 | 1.9% |
| Gates County | 10 | 3 | 2.9% |
| Wake County | 11 | 338 | 1.7% |
| Durham County | 11 | 83 | 1.8% |
| Catawba County | 11 | 67 | 2.4% |
| Davie County | 11 | 19 | 2.6% |
| Lenoir County | 11 | 13 | 2.6% |
| Forsyth County | 12 | 123 | 2.1% |
| Union County | 12 | 82 | 1.7% |
| Orange County | 12 | 27 | 1.8% |
| Anson County | 12 | 4 | 2.3% |
| Chowan County | 12 | 4 | 2.3% |
| Mecklenburg County | 13 | 302 | 1.7% |
| Randolph County | 13 | 37 | 2.1% |
| Carteret County | 13 | 26 | 2.4% |
| Vance County | 13 | 6 | 2.0% |
| Montgomery County | 13 | 5 | 1.9% |
| Bladen County | 13 | 4 | 2.1% |
- Truist Bank nationwide
- North Carolina mortgage market
- Truist Bank in Virginia
- Truist Bank in Georgia
- Truist Bank in Florida
- Truist Bank in Maryland
- Truist Bank in South Carolina
- Truist Bank in Tennessee
- Truist Bank in Pennsylvania
- Truist Bank in Texas
- Truist Bank in Kentucky
- Truist Bank in West Virginia
- Truist Bank in Missouri
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology