HomeTrust Bank in Oregon vs the state
24.6%Denial rate+9.28 pts vs state
27.3%Decision denial rate+8.11 pts vs state
65.6%Origination rate+4.95 pts vs state
8.50%Median rate+1.75 pts vs state
1.23Rate spread (pts)+0.95 pts vs state
$183kMedian applicant income
40Loans originated
15Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 262 | 182 | 21.0% | 10.00% | #89 |
| 2024 | 25 | 18 | 24.0% | 10.13% | #268 |
| 2025 | 61 | 40 | 24.6% | 8.50% | #205 |
What HomeTrust Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most HomeTrust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clackamas County | 9 | 4 | 2 | 22.2% |
| Multnomah County | 9 | 8 | 1 | 11.1% |
| Deschutes County | 8 | 6 | 2 | 25.0% |
| Washington County | 8 | 6 | 2 | 25.0% |
| Lane County | 7 | 4 | 3 | 42.9% |
| Marion County | 5 | 5 | 0 | 0.0% |
| Linn County | 4 | 1 | 1 | 25.0% |
| Lincoln County | 3 | 2 | 1 | 33.3% |
| Benton County | 3 | 2 | 1 | 33.3% |
| Tillamook County | 2 | 1 | 1 | 50.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 61 applications in 2025, of which 40 were originated and 15 denied.
24.6% of all applications, or 27.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans HomeTrust Bank originated in Oregon in 2025 was 8.50%, against a statewide median of 6.75%.
About this data. Figures are HomeTrust Bank's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology