HomeTrust Bank mortgage approval rate & lending review
HomeTrust Bank decided 3,190 mortgage applications and funded 2,529 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions HomeTrust Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
HomeTrust Bank at a glance
Approval is 0.0 points below the 80.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 88% | 1,426 / 1,617 | 98% | $285K | 1,403 |
| Home improvement loans | 56% | 190 / 338 | 96% | $105K | 183 |
| Cash-out refinance | 67% | 43 / 64 | 100% | $285K | 43 |
| Refinance | 77% | 749 / 969 | 98% | $255K | 731 |
| Investment property purchase | 92% | 130 / 142 | 99% | $305K | 129 |
| Investment refinance | 66% | 25 / 38 | 100% | $275K | 25 |
HomeTrust Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| North Carolina | 80% | $315K | 1,480 | 1,171 |
| California | 85% | $435K | 544 | 452 |
| Florida | 83% | $115K | 266 | 209 |
| South Carolina | 76% | $335K | 199 | 150 |
| Tennessee | 70% | $195K | 162 | 110 |
| Washington | 86% | $375K | 115 | 98 |
| Oregon | 90% | $165K | 101 | 90 |
| Georgia | 72% | $275K | 79 | 56 |
| Arizona | 80% | $205K | 74 | 58 |
| Utah | 82% | $215K | 56 | 45 |
| Colorado | 73% | $345K | 33 | 24 |
| Nevada | 83% | $205K | 30 | 25 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where HomeTrust Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Buncombe County, NC | Mortgage lenders | 89% | 358 | 315 |
| Buncombe County, NC | Refinance | 74% | 155 | 114 |
| Henderson County, NC | Mortgage lenders | 86% | 130 | 112 |
| Buncombe County, NC | Home improvement loans | 56% | 113 | 62 |
| Cleveland County, NC | Mortgage lenders | 92% | 51 | 47 |
| Henderson County, NC | Refinance | 80% | 50 | 40 |
| Cleveland County, NC | Refinance | 76% | 45 | 34 |
| Buncombe County, NC | Investment property purchase | 85% | 26 | 22 |
| Henderson County, NC | Home improvement loans | 69% | 26 | 18 |
| Washington County, TN | Refinance | 62% | 29 | 17 |
| Buncombe County, NC | Cash-out refinance | 65% | 23 | 15 |
| Davidson County, NC | Refinance | 60% | 20 | 12 |
The county markets where HomeTrust Bank made the most loans. Each link opens that market with every lender ranked.
Questions about HomeTrust Bank
What is HomeTrust Bank's mortgage approval rate?
HomeTrust Bank approved 80.8% of the 3,190 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.0 points below the 80.9% national rate for the same mix of loan types.
How often do borrowers take the loan HomeTrust Bank offers?
Borrowers accepted 98% of the loans HomeTrust Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does HomeTrust Bank make?
The typical home purchase mortgage loan HomeTrust Bank made was $285K; across all loan types its typical loan ran from $105K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does HomeTrust Bank lend?
HomeTrust Bank decided applications in 22 of the states Fat Boy Data covers, most of them in North Carolina, California and Florida.
Can I apply to HomeTrust Bank directly?
Yes. HomeTrust Bank is a bank or credit union with 33 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show HomeTrust Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how HomeTrust Bank treats applications, then get a rate quote from the lender.