Lender in Virginia · HMDA 2025
Truist Bank mortgages in Virginia
Truist Bank's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Truist Bank originated 1,981 owner-occupied single-family loans in Virginia from 2,205 completed applications, making it the state's #16 lender by volume.
Its median conventional purchase loan costs were $5,470 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.375% (Virginia: 6.625%).
Loans in VA
1,981
of 2,205 applications
Denial rate
6.0%
Purchase · VA 6.9%
Rate spread
−0.11 pts
Conv. · VA +0.10 pts
Loan amount
$475,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,606 | 1,504 | 6.0% | 6.375% | −0.11 pts | $5,470 | $475,000 |
| Refinance | 219 | 190 | 12.3% | 6.250% | −0.14 pts | $4,480 | $555,000 |
| Cash-out refinance | 380 | 287 | 23.4% | 6.990% | +0.37 pts | $3,920 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Truist Bank ranks in the top 25
Showing the 30 counties where it ranks highest, of 81.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Emporia city | 2 | 4 | 8.5% |
| Goochland County | 4 | 27 | 5.0% |
| Fairfax County | 5 | 417 | 3.1% |
| Loudoun County | 5 | 239 | 3.3% |
| Grayson County | 6 | 7 | 4.8% |
| Galax city | 6 | 3 | 4.7% |
| Halifax County | 7 | 7 | 2.5% |
| Charlotte County | 7 | 4 | 5.4% |
| Bath County | 7 | 2 | 5.4% |
| Rappahannock County | 8 | 3 | 3.7% |
| Charlottesville city | 9 | 12 | 4.0% |
| Wise County | 9 | 7 | 4.1% |
| Buena Vista city | 9 | 2 | 2.7% |
| Arlington County | 10 | 53 | 2.4% |
| Rockingham County | 10 | 23 | 2.3% |
| New Kent County | 10 | 17 | 2.2% |
| Nelson County | 10 | 4 | 2.6% |
| Salem city | 11 | 8 | 2.3% |
| Carroll County | 11 | 7 | 2.4% |
| Tazewell County | 11 | 5 | 1.6% |
| Williamsburg city | 11 | 4 | 3.6% |
| Chesterfield County | 12 | 133 | 1.9% |
| Culpeper County | 12 | 25 | 2.5% |
| Fauquier County | 12 | 25 | 2.1% |
| Manassas Park city | 12 | 5 | 2.0% |
| Smyth County | 12 | 4 | 1.6% |
| Bedford County | 13 | 21 | 1.8% |
| Franklin County | 13 | 16 | 2.5% |
| Gloucester County | 13 | 12 | 1.8% |
| Henry County | 13 | 6 | 1.4% |
- Truist Bank nationwide
- Virginia mortgage market
- Truist Bank in North Carolina
- 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