HomeTrust Bank in Florida vs the state
30.7%Denial rate+9.63 pts vs state
33.3%Decision denial rate+6.09 pts vs state
58.4%Origination rate+5.73 pts vs state
8.25%Median rate+1.63 pts vs state
1.01Rate spread (pts)+0.74 pts vs state
$265kMedian applicant income
59Loans originated
31Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 411 | 248 | 26.8% | 9.75% | #260 |
| 2024 | 133 | 80 | 30.1% | 10.00% | #440 |
| 2025 | 101 | 59 | 30.7% | 8.25% | #484 |
What HomeTrust Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most HomeTrust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 19 | 10 | 8 | 42.1% |
| Broward County | 13 | 8 | 3 | 23.1% |
| Palm Beach County | 13 | 6 | 6 | 46.2% |
| Pinellas County | 7 | 5 | 1 | 14.3% |
| Orange County | 6 | 4 | 2 | 33.3% |
| Hillsborough County | 5 | 1 | 3 | 60.0% |
| Collier County | 5 | 4 | 1 | 20.0% |
| Duval County | 3 | 2 | 0 | 0.0% |
| Martin County | 3 | 2 | 1 | 33.3% |
| Charlotte County | 3 | 2 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 101 applications in 2025, of which 59 were originated and 31 denied.
30.7% of all applications, or 33.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans HomeTrust Bank originated in Florida 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 Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology