HomeTrust Bank in Washington vs the state
14.0%Denial rate-1.67 pts vs state
15.5%Decision denial rate-4.06 pts vs state
74.2%Origination rate+13.13 pts vs state
8.50%Median rate+1.88 pts vs state
1.24Rate spread (pts)+1.05 pts vs state
$272kMedian applicant income
69Loans originated
13Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 232 | 175 | 16.8% | 10.24% | #144 |
| 2024 | 63 | 46 | 22.2% | 10.13% | #263 |
| 2025 | 93 | 69 | 14.0% | 8.50% | #244 |
What HomeTrust Bank lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most HomeTrust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 36 | 27 | 5 | 13.9% |
| Snohomish County | 18 | 14 | 3 | 16.7% |
| Pierce County | 10 | 7 | 2 | 20.0% |
| Clark County | 7 | 3 | 1 | 14.3% |
| Cowlitz County | 4 | 2 | 1 | 25.0% |
| Franklin County | 2 | 2 | 0 | 0.0% |
| Spokane County | 2 | 2 | 0 | 0.0% |
| Thurston County | 2 | 1 | 1 | 50.0% |
| Kitsap County | 2 | 2 | 0 | 0.0% |
| Whatcom County | 2 | 2 | 0 | 0.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 93 applications in 2025, of which 69 were originated and 13 denied.
14.0% of all applications, or 15.5% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans HomeTrust Bank originated in Washington in 2025 was 8.50%, against a statewide median of 6.63%.
About this data. Figures are HomeTrust Bank's own HMDA filing for properties located in Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology