HomeTrust Bank in Tennessee vs the state
26.6%Denial rate+9.46 pts vs state
29.8%Decision denial rate+8.15 pts vs state
60.6%Origination rate+2.51 pts vs state
7.50%Median rate+0.88 pts vs state
0.52Rate spread (pts)+0.29 pts vs state
$125kMedian applicant income
123Loans originated
54Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 327 | 179 | 34.6% | 9.25% | #128 |
| 2024 | 195 | 100 | 36.4% | 8.69% | #206 |
| 2025 | 203 | 123 | 26.6% | 7.50% | #212 |
What HomeTrust Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most HomeTrust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 35 | 22 | 8 | 22.9% |
| Hamblen County | 32 | 17 | 9 | 28.1% |
| Williamson County | 22 | 16 | 4 | 18.2% |
| Sullivan County | 18 | 12 | 3 | 16.7% |
| Knox County | 12 | 6 | 5 | 41.7% |
| Rutherford County | 10 | 3 | 6 | 60.0% |
| Davidson County | 10 | 6 | 3 | 30.0% |
| Hawkins County | 9 | 5 | 3 | 33.3% |
| Carter County | 6 | 4 | 1 | 16.7% |
| Sumner County | 5 | 5 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 203 applications in 2025, of which 123 were originated and 54 denied.
26.6% of all applications, or 29.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans HomeTrust Bank originated in Tennessee in 2025 was 7.50%, against a statewide median of 6.62%.
About this data. Figures are HomeTrust Bank's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology