HomeTrust Bank in Arizona vs the state
24.1%Denial rate+7.84 pts vs state
27.1%Decision denial rate+6.67 pts vs state
63.0%Origination rate+3.48 pts vs state
8.13%Median rate+1.63 pts vs state
0.85Rate spread (pts)+0.63 pts vs state
$250kMedian applicant income
34Loans originated
13Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 140 | 87 | 28.6% | 10.25% | #192 |
| 2024 | 30 | 21 | 20.0% | 10.25% | #359 |
| 2025 | 54 | 34 | 24.1% | 8.13% | #303 |
What HomeTrust Bank lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most HomeTrust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 43 | 28 | 10 | 23.3% |
| Yavapai County | 4 | 2 | 2 | 50.0% |
| Pima County | 2 | 0 | 0 | 0.0% |
| Gila County | 2 | 1 | 1 | 50.0% |
| Coconino County | 1 | 1 | 0 | 0.0% |
| Apache County | 1 | 1 | 0 | 0.0% |
| La Paz County | 1 | 1 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 54 applications in 2025, of which 34 were originated and 13 denied.
24.1% of all applications, or 27.1% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans HomeTrust Bank originated in Arizona in 2025 was 8.13%, against a statewide median of 6.50%.
About this data. Figures are HomeTrust Bank's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology