HomeTrust Bank in California vs the state
16.1%Denial rate-1.37 pts vs state
17.1%Decision denial rate-5.31 pts vs state
75.2%Origination rate+18.99 pts vs state
8.25%Median rate+1.63 pts vs state
0.99Rate spread (pts)+0.72 pts vs state
$331kMedian applicant income
506Loans originated
108Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 734 | 512 | 21.4% | 10.25% | #169 |
| 2024 | 404 | 284 | 19.3% | 10.00% | #270 |
| 2025 | 673 | 506 | 16.1% | 8.25% | #212 |
What HomeTrust Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most HomeTrust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 244 | 186 | 33 | 13.5% |
| San Diego County | 73 | 59 | 9 | 12.3% |
| Orange County | 53 | 40 | 12 | 22.6% |
| Santa Clara County | 36 | 20 | 13 | 36.1% |
| Alameda County | 29 | 22 | 5 | 17.2% |
| Ventura County | 23 | 19 | 1 | 4.3% |
| Contra Costa County | 21 | 16 | 5 | 23.8% |
| Sacramento County | 19 | 13 | 4 | 21.1% |
| Sonoma County | 16 | 9 | 6 | 37.5% |
| San Mateo County | 16 | 13 | 2 | 12.5% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 673 applications in 2025, of which 506 were originated and 108 denied.
16.1% of all applications, or 17.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans HomeTrust Bank originated in California in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are HomeTrust Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology