TrustBank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A 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%
67th6.1% deniedProcesswithdrawn + incomplete share, weight 15%
84th3.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 125 | 101 | 8.0% | 8.6% | — | $46M |
| 2024 | 124 | 99 | 7.3% | 7.8% | — | $51M |
| 2025 | 118 | 100 | 5.9% | 6.1% | — | $23M |
What TrustBank 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, 14 manufactured homes, 36 investment properties.
Who gets approved at TrustBank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 36 | 29 | 6.1% |
| $100k – $150k | 22 | 18 | 4.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 30 | 24 | 7.4% |
Where TrustBank lends
7 states and 12 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
TrustBank denied 6.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 67th percentile of small mortgage lenders.
In 2025, 64% of its applications were for home purchases, 22% for refinancing (including cash-out), and 14% 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.