Lenders › Truist Bank › Florida
Truist Bank in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Truist Bank's 2024 HMDA record for Florida covers 14,104 applications, 5,375 of them originated, worth $1.6bn.
Its denial rate in the state was 53.9%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 46.3%.
The median rate spread on its Florida originations was 0.3 percentage points (state median 0.3).
Applications in the state were down 20% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Truist Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 53.9% | 29.0% | 46.3% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 23.3% | 16.4% | 24.6% | 15.6% |
| Average originated loan | $292k | $359k | $273k | $329k |
| Home purchase share | 31.5% | 62.9% | 36.3% | 57.0% |
| FHA-insured share | 2.0% | 17.7% | 2.5% | 13.4% |
| VA-guaranteed share | 1.3% | 9.5% | 1.5% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 31% (1,692)Home improvement 21% (1,128)Refinancing 18% (963)Cash-out refinancing 6% (327)Other purpose 24% (1,265)
By type
Conventional 97% (5,196)FHA 2% (106)VA 1% (72)USDA 0% (1)
Denial reasons as coded
Share of 6,743 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Orange County | 1,133 | 440 | $158m | 53.6% |
| Hillsborough County | 948 | 386 | $152m | 49.9% |
| Pinellas County | 838 | 361 | $113m | 48.2% |
| Miami-Dade County | 1,123 | 329 | $135m | 64.6% |
| Palm Beach County | 985 | 321 | $106m | 61.1% |
| Broward County | 1,096 | 313 | $128m | 64.0% |
| Volusia County | 623 | 280 | $55m | 46.0% |
| Brevard County | 515 | 214 | $47m | 48.0% |
| Pasco County | 557 | 208 | $42m | 53.0% |
| Lake County | 430 | 189 | $42m | 48.3% |
| Sarasota County | 424 | 187 | $50m | 48.6% |
| Seminole County | 404 | 185 | $41m | 43.8% |
| St. Johns County | 314 | 167 | $48m | 38.8% |
| Lee County | 433 | 139 | $34m | 60.3% |
| Manatee County | 304 | 136 | $41m | 44.3% |
| Polk County | 407 | 125 | $27m | 64.2% |
| Duval County | 335 | 123 | $39m | 54.4% |
| Marion County | 302 | 112 | $20m | 53.5% |
| Hernando County | 274 | 106 | $15m | 51.2% |
| Leon County | 203 | 87 | $20m | 48.0% |
| Citrus County | 193 | 85 | $13m | 47.1% |
| Flagler County | 162 | 85 | $19m | 39.3% |
| Collier County | 239 | 82 | $35m | 59.0% |
| St. Lucie County | 229 | 73 | $12m | 65.1% |
| Charlotte County | 179 | 71 | $13m | 52.2% |
| Osceola County | 249 | 69 | $18m | 67.4% |
| Indian River County | 126 | 59 | $24m | 45.9% |
| Sumter County | 125 | 55 | $12m | 50.9% |
| Martin County | 129 | 51 | $14m | 52.3% |
| Alachua County | 114 | 51 | $17m | 47.6% |
| Santa Rosa County | 83 | 37 | $6.9m | 39.1% |
| Escambia County | 78 | 37 | $12m | 34.4% |
| Bay County | 67 | 33 | $9.6m | 41.1% |
| Walton County | 59 | 33 | $21m | 37.0% |
| Nassau County | 59 | 25 | $6.0m | 50.0% |
| Monroe County | 48 | 20 | $13m | 40.5% |
| Okaloosa County | 43 | 16 | $4.7m | 59.5% |
| Highlands County | 45 | 14 | $2.2m | 62.5% |
| Clay County | 44 | 13 | $2.6m | 62.2% |
| Wakulla County | 28 | 13 | $2.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Truist Bank originate in Florida in 2024?
5,375 loans totalling $1.6bn, from 14,104 applications reported for properties in Florida.
What is Truist Bank's denial rate in Florida?
53.9% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 46.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Truist Bank lend in most?
By originations: Orange County (440), Hillsborough County (386), Pinellas County (361), Miami-Dade County (329), Palm Beach County (321).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.