Intrust Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
44th26.9% deniedPricingmedian rate spread over APOR, weight 30%
19th0.59 ptsProcesswithdrawn + incomplete share, weight 15%
64th10.3%Closing coststotal loan costs ÷ loan amount, weight 10%
80th2.00% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 799 | 499 | 25.9% | 28.9% | 7.75% | $91M |
| 2024 | 770 | 483 | 24.7% | 27.8% | 8.25% | $97M |
| 2025 | 861 | 548 | 24.2% | 26.9% | 7.50% | $130M |
What Intrust Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 438 home-equity lines, 0 reverse mortgages, 6 manufactured homes, 123 investment properties.
Why Intrust Bank denies applications
Primary reason reported for each of the 208 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Intrust Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 122 | 43 | 59.8% |
| $50k – $100k | 253 | 133 | 34.6% |
| $100k – $150k | 149 | 94 | 26.7% |
| $150k – $250k | 141 | 108 | 14.6% |
| Over $250k | 83 | 66 | 8.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 110 | 68 | 27.4% |
| 35–44 | 113 | 63 | 34.7% |
| 45–54 | 158 | 101 | 30.1% |
| 55–64 | 144 | 90 | 27.9% |
| 65–74 | 156 | 87 | 31.9% |
| Over 74 | 78 | 46 | 29.0% |
Where Intrust Bank lends
7 states and 48 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Intrust Bank denied 26.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 44th percentile of home-equity (HELOC) lenders.
The most common reason Intrust Bank gave in 2025 was "debt-to-income ratio", cited on 43.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Intrust Bank originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 0.59 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 30% of its applications were for home purchases, 24% for refinancing (including cash-out), and 46% for home improvement or other purposes. By loan type: 97% conventional, 0% FHA, 3% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.