HomeTrust Bank in North Carolina vs the state
19.9%Denial rate+1.87 pts vs state
23.2%Decision denial rate+0.41 pts vs state
65.2%Origination rate+7.38 pts vs state
7.00%Median rate+0.50 pts vs state
0.24Rate spread (pts)+0.15 pts vs state
$112kMedian applicant income
880Loans originated
269Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,626 | 988 | 24.4% | 7.75% | #54 |
| 2024 | 1,267 | 779 | 23.3% | 8.25% | #66 |
| 2025 | 1,350 | 880 | 19.9% | 7.00% | #70 |
What HomeTrust Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most HomeTrust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Buncombe County | 406 | 258 | 84 | 20.7% |
| Haywood County | 177 | 108 | 36 | 20.3% |
| Henderson County | 135 | 94 | 23 | 17.0% |
| Cleveland County | 95 | 61 | 19 | 20.0% |
| Rockingham County | 88 | 53 | 28 | 31.8% |
| Polk County | 82 | 58 | 15 | 18.3% |
| Mecklenburg County | 48 | 32 | 11 | 22.9% |
| Wake County | 36 | 29 | 3 | 8.3% |
| Rutherford County | 34 | 24 | 5 | 14.7% |
| Davidson County | 31 | 17 | 11 | 35.5% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 1,350 applications in 2025, of which 880 were originated and 269 denied.
19.9% of all applications, or 23.2% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans HomeTrust Bank originated in North Carolina in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are HomeTrust Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology