Truist Mortgage Rates, Fees & Info

5 stars - Updated: 11/12/26 - out of 5 stars, based on 203 reviews

Review & Overview

Truist is a large mortgage company specializing in Home Purchase and Refi loans. Truist has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Washington, Atlanta, Charlotte, New York, and Miami among others. We have data for 500 markets. (Some data included below & more in-depth data is available with an active subscription.)

Truist has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Truist is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
Home Equity Line of Credit (HELOC)	6.18%	11/12/26
30 Year Conventional Purchase	6.14%	11/12/26
30 Year Conventional Refi	6.12%	11/12/26
30 Year Cash-out Refi	6.60%	11/12/26
30 Year FHA Purchase	6.53%	11/12/26
30 Year FHA Refi	6.37%	11/12/26
30 Year VA Purchase	5.72%	11/12/26
30 Year VA Refi	5.64%	11/12/26
30 Year USDA Purchase	6.05%	11/12/26
15 Year Conventional Purchase	4.72%	11/12/26
15 Year Conventional Refi	5.39%	11/12/26
15 Year Cash-out Refi	5.39%	11/12/26
15 Year FHA Purchase	5.74%	11/12/26
15 Year VA Purchase	5.12%	11/12/26
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Truist Mortgage Calculator

Originations

41,059

Origination Dollar Volume (All Markets)

$14,137,735,000

Awards