TRUPoint 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 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
21st19.1% deniedProcesswithdrawn + incomplete share, weight 15%
80th4.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 54 | 25 | 37.0% | 44.4% | — | $6.9M |
| 2024 | 31 | 24 | 16.1% | 17.2% | — | $4.4M |
| 2025 | 110 | 81 | 18.2% | 19.1% | — | $20M |
What TRUPoint 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: 0 home-equity lines, 0 reverse mortgages, 17 manufactured homes, 52 investment properties.
Who gets approved at TRUPoint Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 20 | 12 | 36.8% |
| $50k – $100k | 26 | 13 | 41.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 20 | 16 | 20.0% |
Where TRUPoint Bank lends
4 states and 22 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Tennessee | 63 | 50 | 9.5% | — | #378 |
| Virginia | 34 | 23 | 32.4% | — | #423 |
| North Carolina | 12 | 8 | 16.7% | — | #604 |
Frequently asked questions
TRUPoint Bank denied 19.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 21st percentile of small mortgage lenders.
In 2025, 60% of its applications were for home purchases, 19% for refinancing (including cash-out), and 21% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.