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NMLS ID verifiedBankHQ in Mecklenburg County

Truist Bank

Charlotte, North Carolina · HQ in Mecklenburg County · NMLS #405457

Truist Bank (NMLS #405457) is a large regional/national bank formed from BB&T and SunTrust, with mortgage operations across the Southeast and beyond. Florida HMDA data shows multi-thousand 2025 originations.

Research Score

50 / 100

Re-checkable NMLS identity, third-party reputation snapshots when present, complaint-pattern context, and field completeness. Editorial research composite only.

Data Confidence

87 / 100

High data confidence

NMLS / License Status

NMLS ID verified

NMLS #405457 — re-confirm on NMLS Consumer Access before applying.

Local Market Evidence

Local market evidence · Mecklenburg County

HQ locality derived from listed_county (Charlotte)

Does not measure approval odds, interest rates, closing speed, or future service quality. Not a regulator grade or NMLS endorsement. Methodology

Score factors
  • NMLS identity evidence: 28/28 — NMLS #405457 — re-confirm on NMLS Consumer Access before applying.
  • Third-party reputation snapshot: 0/26 — No review volume on file
  • CFPB complaint pattern: 8/16 — Catalog shows 0 complaints — treated as unverified default, not a clean bill of health
  • BBB grade (catalog): 0/12 — Grade A listed in seed data — not scored until independently sourced (confirm on BBB.org)
  • Licensed locality completeness: 8/12 — Derived HQ locality: Mecklenburg County (listed_county)
  • Loan type disclosure: 6/6 — 5 loan type(s) listed
No independently verified closing-performance data available
Closing performance

Closing timelines are only shown when backed by a documented observed dataset (source, sample size, window). Seed or editorial estimates are not displayed. Hub methodology. Research listing only — not an endorsement of this lender. Re-verify NMLS #405457 on NMLS Consumer Access.

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Loan Types

ConventionalFHAVAJumboRefinance

Specialties

Bank-direct mortgageSoutheast footprintFlorida HMDA activity

Public metrics (provenance-gated)

CFPB complaints (catalog): 0

Raw count as listed — not size-normalized. A complaint is not a finding of wrongdoing.

Product / credit tiers listed: Excellent, Good, Fair

Self-described product focus as listed — not underwriting criteria.

Third-party review and BBB snapshots are suppressed until independently retrieved. Volume ranks are not shown without a documented source.

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Federal mortgage data

What the federal data shows

Source: 2025 HMDA · Florida activity only · Not a score or ranking

Research panel
Florida originations
6,117
Major FL counties with activity
60

Among tracked high-volume counties

Florida applications (selected outcomes)
14,140

Originated + denied + approved not accepted

Top counties by originations

  • Orange County570
  • Hillsborough County483
  • Palm Beach County405
  • Pinellas County401
  • Broward County374

Loan-type mix (Florida originations)

Conventional97.7% · 5,976
FHA1.2% · 71
VA1.1% · 70

Market share in key counties

Share of county originations among all HMDA filers in that county (shown when ≥ 1%).

Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.

Data aggregated from NMLS, CFPB, BBB, Google, and Trustpilot for informational purposes. Lender Trust Hub is not a lender or broker and does not provide financial advice.