HomeTrust Bank in Georgia vs the state
37.8%Denial rate+18.56 pts vs state
44.7%Decision denial rate+19.67 pts vs state
42.2%Origination rate-11.87 pts vs state
7.50%Median rate+0.88 pts vs state
0.24Rate spread (pts)-0.03 pts vs state
$205kMedian applicant income
19Loans originated
17Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 61 | 39 | 29.5% | 8.35% | #394 |
| 2024 | 78 | 43 | 32.1% | 9.50% | #369 |
| 2025 | 45 | 19 | 37.8% | 7.50% | #447 |
What HomeTrust Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most HomeTrust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 19 | 6 | 8 | 42.1% |
| Cobb County | 7 | 6 | 1 | 14.3% |
| Forsyth County | 5 | 1 | 2 | 40.0% |
| Fulton County | 4 | 3 | 1 | 25.0% |
| DeKalb County | 3 | 1 | 2 | 66.7% |
| Cherokee County | 2 | 0 | 2 | 100.0% |
| Brantley County | 1 | 1 | 0 | 0.0% |
| Monroe County | 1 | 0 | 0 | 0.0% |
| Wilkes County | 1 | 0 | 1 | 100.0% |
| Spalding County | 1 | 0 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 45 applications in 2025, of which 19 were originated and 17 denied.
37.8% of all applications, or 44.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans HomeTrust Bank originated in Georgia in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are HomeTrust Bank's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology