HomeTrust Bank in Virginia vs the state
36.0%Denial rate+20.09 pts vs state
42.2%Decision denial rate+21.99 pts vs state
48.5%Origination rate-10.99 pts vs state
7.50%Median rate+0.88 pts vs state
0.27Rate spread (pts)+0.05 pts vs state
$69kMedian applicant income
66Loans originated
49Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 172 | 73 | 40.1% | 8.38% | #202 |
| 2024 | 130 | 73 | 35.4% | 8.50% | #246 |
| 2025 | 136 | 66 | 36.0% | 7.50% | #251 |
What HomeTrust Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most HomeTrust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Roanoke County | 39 | 16 | 14 | 35.9% |
| Roanoke city | 33 | 16 | 14 | 42.4% |
| Botetourt County | 16 | 10 | 4 | 25.0% |
| Franklin County | 8 | 4 | 4 | 50.0% |
| Bedford County | 6 | 2 | 2 | 33.3% |
| Pittsylvania County | 5 | 1 | 4 | 80.0% |
| Campbell County | 4 | 4 | 0 | 0.0% |
| Henry County | 3 | 0 | 2 | 66.7% |
| Fairfax County | 3 | 1 | 1 | 33.3% |
| Danville city | 3 | 2 | 1 | 33.3% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 136 applications in 2025, of which 66 were originated and 49 denied.
36.0% of all applications, or 42.2% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans HomeTrust Bank originated in Virginia 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 Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology