Lenders › Truist Bank › Georgia
Truist Bank in Georgia
HMDA record for properties in Georgia, calendar year 2024. National record · Georgia 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 Georgia covers 10,059 applications, 4,121 of them originated, worth $1.3bn.
Its denial rate in the state was 51.3%, above the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 46.3%.
The median rate spread on its Georgia originations was 0.2 percentage points (state median 0.4).
Applications in the state were down 10% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Truist Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 51.3% | 26.9% | 46.3% | 24.3% |
| Median rate spread, pp | 0.2 | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 22.1% | 17.5% | 24.6% | 15.6% |
| Average originated loan | $308k | $313k | $273k | $329k |
| Home purchase share | 35.7% | 57.0% | 36.3% | 57.0% |
| FHA-insured share | 3.5% | 18.3% | 2.5% | 13.4% |
| VA-guaranteed share | 1.1% | 11.6% | 1.5% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 36% (1,472)Home improvement 20% (811)Refinancing 17% (721)Cash-out refinancing 6% (239)Other purpose 21% (878)
By type
Conventional 95% (3,925)FHA 3% (144)VA 1% (44)USDA 0% (8)
Denial reasons as coded
Share of 4,564 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Fulton County | 1,426 | 642 | $346m | 46.7% |
| Cobb County | 925 | 414 | $153m | 45.6% |
| Gwinnett County | 998 | 366 | $99m | 56.5% |
| DeKalb County | 819 | 351 | $142m | 47.9% |
| Forsyth County | 453 | 211 | $70m | 44.5% |
| Cherokee County | 410 | 202 | $59m | 42.0% |
| Chatham County | 374 | 137 | $32m | 56.6% |
| Hall County | 281 | 135 | $36m | 43.7% |
| Coweta County | 192 | 103 | $25m | 37.6% |
| Paulding County | 178 | 70 | $13m | 54.6% |
| Henry County | 195 | 56 | $13m | 68.4% |
| Houston County | 110 | 50 | $9.7m | 49.0% |
| Fayette County | 124 | 47 | $17m | 55.9% |
| Barrow County | 112 | 47 | $10m | 54.8% |
| Carroll County | 122 | 45 | $7.8m | 57.3% |
| Clarke County | 108 | 42 | $6.4m | 49.5% |
| Columbia County | 87 | 41 | $8.4m | 46.9% |
| Newton County | 118 | 38 | $6.3m | 63.6% |
| Floyd County | 105 | 38 | $5.2m | 55.3% |
| Glynn County | 75 | 38 | $14m | 36.4% |
| Bibb County | 123 | 37 | $6.8m | 63.2% |
| Bartow County | 98 | 37 | $9.1m | 56.2% |
| Jackson County | 86 | 37 | $8.0m | 45.9% |
| Rockdale County | 116 | 36 | $5.1m | 63.0% |
| Effingham County | 77 | 36 | $5.3m | 47.9% |
| Douglas County | 105 | 35 | $5.6m | 60.0% |
| Muscogee County | 103 | 35 | $4.7m | 58.9% |
| Clayton County | 178 | 33 | $4.5m | 73.0% |
| Whitfield County | 88 | 32 | $4.2m | 56.4% |
| Gilmer County | 46 | 30 | $6.9m | 25.0% |
| Walton County | 101 | 29 | $6.8m | 67.7% |
| Lumpkin County | 69 | 28 | $7.5m | 53.2% |
| Dawson County | 63 | 25 | $5.9m | 51.9% |
| Dougherty County | 57 | 24 | $3.1m | 51.0% |
| Troup County | 57 | 24 | $3.0m | 51.0% |
| Catoosa County | 54 | 24 | $4.0m | 46.7% |
| Gordon County | 51 | 24 | $4.9m | 48.9% |
| Lowndes County | 52 | 23 | $4.7m | 47.8% |
| Oconee County | 51 | 23 | $3.4m | 51.1% |
| Richmond County | 76 | 21 | $2.0m | 70.4% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Truist Bank originate in Georgia in 2024?
4,121 loans totalling $1.3bn, from 10,059 applications reported for properties in Georgia.
What is Truist Bank's denial rate in Georgia?
51.3% of decided applications in Georgia were denied, against 26.9% 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 Georgia counties does Truist Bank lend in most?
By originations: Fulton County (642), Cobb County (414), Gwinnett County (366), DeKalb County (351), Forsyth County (211).
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 Georgia. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.