Independent research profile. Not a ranking.

Independent lender research

Truist Bank

FDIC-insured bank

NMLS Institution ID 405457
FDIC Certificate 9846

Headquarters (FDIC record): Charlotte, NC

Independent research from official public records. No paid ranking. No lender score. Not lending advice.

HMDA activity shown reflects the 2025 reporting vintage. Dates below are source dates, not ingest dates.

Evidence coverage

Coverage describes what this evidence layer contains. None observed is not the same as none exists. Partial means the evidence layer is incomplete.

identity
Complete
Official identifiers are attached to this institution.
hmda
Available
HMDA 2025 reporting vintage activity is attached.
cfpb
None observed
No confirmed CFPB complaints are attached in connected sources. This is not proof that no complaints exist.
enforcement
Available
Confirmed attributable federal enforcement events are attached.
servicer role
Not established
Servicer status comes only from official role evidence, not from names or complaint volume.
nmls
Available
An NMLS Institution ID is attached.
depository
FDIC-insured bank
Depository type is taken from official FDIC/NCUA identifiers when present.

Identity & regulatory identifiers

Identifiers are shown in their own namespaces. An LEI is not an NMLS ID. An NMLS Institution ID is not a branch or person ID. An FDIC certificate is not a mortgage license.

NMLS Institution ID: 405457
FDIC Certificate: 9846
Federal Reserve RSSD: 852320
LEI: JJKC32MCHWDI71265Z06

Names on this institution

Legal name: Truist Bank
Legal name: Truist Bank

Historical names remain on this same institution. They do not create a separate profile.

Mortgage activity reported through HMDA

Period: HMDA 2025 reporting vintage. This is not 2026 mortgage activity. Source: FFIEC HMDA 2025 LEI summaries.

Applications

83,470

sum(applications) at state grain. Not a quality signal.

Originations

41,001

sum(originations) at state grain.

Origination rate

49.1%

41,001 originations / 83,470 applications. Not an approval prediction.

Denials

29,571

County-grain denial count. Not a quality score.

Denial rate

35.4%

29,571 county-grain denials ÷ 83,470 state-grain applications. Numerator is county-grain denials; denominator is state-grain applications. Full LAR action_taken distribution is not stored. Do not compare lenders without scale context. Not a quality score. This is not “chance of being denied” and not your approval odds.

See methodology.

Where HMDA activity was observed

HMDA activity observed in listed states/counties. This is not headquarters, not licensed-in, and not a branch network. These are not licensed states, branch locations, or a service area unless separate evidence says so.

Headquarters (separate from activity): Charlotte, NC

Top states by HMDA applications

Top states by HMDA applications
Category	Count
North Carolina (NC)	14,364
Florida (FL)	14,140
Virginia (VA)	11,838
Georgia (GA)	10,563
Maryland (MD)	6,559
South Carolina (SC)	4,366
Pennsylvania (PA)	4,195
Tennessee (TN)	4,114
Texas (TX)	3,359
Kentucky (KY)	2,055

HMDA activity observed in 49 states.

Top counties by HMDA applications

Top counties by HMDA applications
Category	Count
51059 · VA	1,664
13121 · GA	1,578
37183 · NC	1,540
24031 · MD	1,427
37119 · NC	1,409
12095 · FL	1,235
12011 · FL	1,103
12099 · FL	1,028
12057 · FL	1,013
13067 · GA	1,005
12086 · FL	998
13135 · GA	997
13089 · GA	957
24033 · MD	874
37081 · NC	871

County FIPS codes are activity locations, not branches. 1297 counties with observed applications.

Consumer complaint evidence

CFPB complaints attributed to this institution through confirmed identity mappings. Complaint totals are not a quality score and are not enforcement findings.

No confirmed CFPB complaints are attributed to this institution in the current evidence layer.

Complaint data includes only records deterministically attributed to this institution. Some CFPB source labels remain unresolved and are listed separately.

Regulatory & Enforcement History

Separate from consumer complaints. Events appear only when a regulator record is confirmed to this institution with an official identifier. Counts are not a severity score. Nonfinal events are not proven wrongdoing unless the source disposition says so.

Attributable events in connected sources: 79

Regulatory and enforcement events
Regulator	Action	Date	Status
FDIC	OTHER	2012-11-28	FINAL
FDIC	PROHIBITION	2008-12-16	FINAL
FDIC	PROHIBITION	2009-04-03	FINAL
FDIC	PROHIBITION	2009-06-02	FINAL
FDIC	PROHIBITION	2010-03-09	FINAL
FDIC	PROHIBITION	2010-06-15	FINAL
FDIC	PROHIBITION	2010-09-23	FINAL
FDIC	PROHIBITION	2010-10-13	FINAL
FDIC	PROHIBITION	2010-11-09	FINAL
FDIC	PROHIBITION	2011-08-11	FINAL
FDIC	PROHIBITION	2011-09-06	FINAL
FDIC	PROHIBITION	2011-12-20	FINAL

Observed roles

Servicer role: Servicer role not established

Role status uses official servicer-role evidence only. It is not inferred from company name, CFPB complaint count, ownership, parent company, or mortgage volume.

FDIC-insured bank

Sources & methodology

Consumers should use source and reporting dates. Snapshot rebuild dates are not “verified today.”

FFIEC · hmda_2025_lender_state_summary
As-of / vintage: HMDA 2025
Source observed: 2025-12-31
source vintage, not ingest date
MULTI · lender_federal_enforcement_events
confirmed respondents only
GLEIF · lei-records
FDIC · institutions

HMDA 2025 is a reporting vintage, not current 2026 lending activity.
HMDA activity geography is not headquarters and not a branch or license map.
CFPB counts include confirmed attributions only.
Enforcement requires an independent confirmed identifier; a complaint bridge is not enough.
NONE OBSERVED enforcement is not proof of no history.
No Trust Score, ranking, or quality conversion is computed.
Purchase/refinance and FHA/VA/conventional program splits are not populated in the current LEI summaries.
Year-over-year HMDA is unavailable (single vintage).

Contract lend-nat-011-v1. Materialized evidence snapshot. Not a live national scan. Lookup 60 ms.