Hometrust Bank Mortgage Rates, Fees & Info
Asheville, NCLEI: 549300COIWXM618UBE82
Tax ID: 56-0181785
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Hometrust Bank is a smaller bank specializing in Other and Home Purchase loans. Hometrust Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Asheville, Los Angeles, Charlotte, Portland, and Seattle among others. We have data for 187 markets. (Some data included below & more in-depth data is available with an active subscription.)Hometrust Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Hometrust Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.75% | 12/16/24 |
| 30 Year Conventional Purchase | 6.44% | 12/16/24 |
| 30 Year Conventional Refi | 6.39% | 12/16/24 |
| 30 Year Cash-out Refi | 6.60% | 12/16/24 |
| 30 Year USDA Purchase | 6.45% | 12/16/24 |
| 15 Year Conventional Purchase | 6.20% | 12/16/24 |
| 15 Year Conventional Refi | 6.16% | 12/16/24 |
| 15 Year Cash-out Refi | 6.16% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Hometrust Bank Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Hometrust Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,879Origination Dollar Volume (All Markets)
$680,495,000Awards
HomeTrust Bank - 2023
HomeTrust Bank is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
Work for HomeTrust Bank?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Relative Rate
Hometrust Bank's average 30 year fixed mortgage rate was
9.38%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 2.9%.
Relative Fees (Closing Costs)
Hometrust Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $3,701.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ASHEVILLE, NC (FHA|USDA|VA) | 460 | $124,120,000 | $269,826 | $5,156 | 7.26% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 206 | $61,790,000 | $299,951 | $0 | 10.40% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 158 | $38,900,000 | $246,203 | $2,975 | 7.70% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 146 | $30,670,000 | $210,068 | $0 | 9.83% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 107 | $28,335,000 | $264,813 | $0 | 9.89% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 146 | $26,840,000 | $183,836 | $0 | 9.69% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 57 | $20,365,000 | $357,281 | $0 | 9.79% |
| Outside of Metro Areas | 80 | $20,220,000 | $252,750 | $5,644 | 8.07% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 57 | $16,635,000 | $291,842 | $0 | 10.16% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 30 | $15,880,000 | $529,333 | $2,402 | 8.38% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 57 | $15,755,000 | $276,404 | $3,695 | 8.62% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 71 | $13,645,000 | $192,183 | $0 | 10.08% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 73 | $11,155,000 | $152,808 | $4,004 | 8.22% |
| ROANOKE, VA (FHA|USDA|VA) | 38 | $11,130,000 | $292,895 | $2,816 | 7.85% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 36 | $10,780,000 | $299,444 | $6,575 | 7.01% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 64 | $10,130,000 | $158,281 | $0 | 9.90% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 45 | $9,355,000 | $207,889 | $0 | 9.98% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 41 | $8,245,000 | $201,098 | $0 | 10.06% |
| WILMINGTON, NC (FHA|USDA|VA) | 13 | $8,135,000 | $625,769 | $6,005 | 8.76% |
| Forest City, NC (FHA|USDA|VA) | 24 | $6,960,000 | $290,000 | $5,516 | 7.22% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 42 | $6,880,000 | $163,810 | $0 | 10.20% |
| Shelby, NC (FHA|USDA|VA) | 40 | $6,260,000 | $156,500 | $4,510 | 7.28% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 34 | $5,980,000 | $175,882 | $0 | 9.64% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 27 | $5,745,000 | $212,778 | $0 | 10.36% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 20 | $5,600,000 | $280,000 | $4,819 | 8.71% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 20 | $5,520,000 | $276,000 | $0 | 10.05% |
| SPARTANBURG, SC (FHA|USDA|VA) | 24 | $5,440,000 | $226,667 | $4,036 | 7.02% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 16 | $5,400,000 | $337,500 | $10,511 | 9.38% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 17 | $5,085,000 | $299,118 | $7,538 | 8.50% |
| Cullowhee, NC (FHA|USDA|VA) | 10 | $4,780,000 | $478,000 | $9,394 | 7.41% |
| PROVO-OREM, UT (FHA|USDA|VA) | 24 | $4,680,000 | $195,000 | $0 | 9.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 23 | $4,465,000 | $194,130 | $2,713 | 8.62% |
| RENO, NV (FHA|USDA|VA) | 30 | $4,300,000 | $143,333 | $0 | 10.43% |
| Marion, NC (FHA|USDA|VA) | 13 | $4,245,000 | $326,538 | $7,038 | 7.06% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 17 | $4,215,000 | $247,941 | $0 | 9.68% |
| BOISE CITY, ID (FHA|USDA|VA) | 25 | $4,165,000 | $166,600 | $0 | 9.80% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 23 | $3,905,000 | $169,783 | $2,708 | 8.06% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 16 | $3,810,000 | $238,125 | $0 | 10.05% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 17 | $3,485,000 | $205,000 | $0 | 9.82% |
| Brevard, NC (FHA|USDA|VA) | 10 | $3,470,000 | $347,000 | $4,507 | 6.75% |
| MORRISTOWN, TN (FHA|USDA|VA) | 19 | $3,375,000 | $177,632 | $2,718 | 7.43% |
| BEND, OR (FHA|USDA|VA) | 13 | $3,215,000 | $247,308 | $0 | 9.81% |
| SALEM, OR (FHA|USDA|VA) | 21 | $2,735,000 | $130,238 | $0 | 9.83% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 22 | $2,620,000 | $119,091 | $5,250 | 8.47% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 12 | $2,430,000 | $202,500 | $0 | 9.96% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 18 | $2,370,000 | $131,667 | $1,583 | 8.33% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 10 | $2,230,000 | $223,000 | $0 | 10.10% |
| FRESNO, CA (FHA|USDA|VA) | 9 | $2,145,000 | $238,333 | $0 | 10.58% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 9 | $2,065,000 | $229,444 | $0 | 9.55% |
| SALINAS, CA (FHA|USDA|VA) | 6 | $2,040,000 | $340,000 | $0 | 10.21% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 7 | $1,965,000 | $280,714 | $0 | 10.93% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 6 | $1,960,000 | $326,667 | $0 | 10.54% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 6 | $1,940,000 | $323,333 | $0 | 10.25% |
| BELLINGHAM, WA (FHA|USDA|VA) | 5 | $1,855,000 | $371,000 | $0 | 10.75% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $1,800,000 | $450,000 | $0 | 9.19% |
| Heber, UT (FHA|USDA|VA) | 7 | $1,695,000 | $242,143 | $0 | 9.11% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 7 | $1,585,000 | $226,429 | $0 | 9.78% |
| STOCKTON, CA (FHA|USDA|VA) | 10 | $1,550,000 | $155,000 | $0 | 9.65% |
| COLUMBIA, SC (FHA|USDA|VA) | 7 | $1,535,000 | $219,286 | $3,961 | 9.57% |
| Seneca, SC (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $9,485 | 7.83% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 7 | $1,265,000 | $180,714 | $0 | 10.57% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $0 | 10.10% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 8 | $1,230,000 | $153,750 | $0 | 10.09% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $0 | 10.69% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 8 | $1,180,000 | $147,500 | $0 | 8.66% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $0 | 9.15% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 7 | $1,125,000 | $160,714 | $0 | 10.03% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 6 | $1,060,000 | $176,667 | $0 | 9.74% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 5 | $1,055,000 | $211,000 | $0 | 9.25% |
| RICHMOND, VA (FHA|USDA|VA) | 7 | $1,015,000 | $145,000 | $3,894 | 9.44% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $0 | 10.35% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $2,503 | 7.28% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 8 | $980,000 | $122,500 | $4,657 | 9.41% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 6 | $980,000 | $163,333 | $0 | 10.29% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $0 | 10.25% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $0 | 10.06% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $0 | 10.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $0 | 10.25% |
| MEDFORD, OR (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $0 | 9.45% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $0 | 8.75% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $0 | 10.88% |
| Port Angeles, WA (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $0 | 10.25% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $0 | 9.83% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $0 | 11.50% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $0 | 10.00% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 5 | $705,000 | $141,000 | $0 | 9.99% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $0 | 9.92% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $6,286 | 9.03% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 6 | $680,000 | $113,333 | $0 | 10.08% |
| Outside of Metro Areas | 5 | $665,000 | $133,000 | $0 | 10.29% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 6 | $640,000 | $106,667 | $0 | 10.25% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 6 | $640,000 | $106,667 | $0 | 10.67% |
| Greenwood, SC (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $7,749 | 6.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $0 | 10.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $0 | 10.37% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $0 | 9.41% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $7,466 | 6.13% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $0 | 10.38% |
| Boone, NC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $0 | 7.31% |
| Danville, VA (FHA|USDA|VA) | 6 | $500,000 | $83,333 | $1,705 | 8.29% |
| Gaffney, SC (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $4,060 | 7.67% |
| NAPA, CA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $0 | 10.50% |
| Ellensburg, WA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $0 | 9.82% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 8.00% |
| Georgetown, SC (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 9.13% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 11.50% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 9.50% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 9.25% |
| Ukiah, CA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 11.75% |
| BURLINGTON, NC (FHA|USDA|VA) | 4 | $370,000 | $92,500 | $2,741 | 9.37% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 9.75% |
| Vernal, UT (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $0 | 10.92% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $0 | 10.16% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 10.37% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 8.74% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $0 | 10.92% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 8.49% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,553 | 8.50% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 9.25% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 11.25% |
| Cookeville, TN (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 10.25% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $0 | 10.58% |
| Newport, OR (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 10.12% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 8.00% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $0 | 9.49% |
| Crossville, TN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 8.75% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 10.50% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 11.75% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 8.38% |
| Centralia, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 9.24% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 10.37% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 10.13% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 9.87% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 10.49% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 7.50% |
| McMinnville, TN (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 10.38% |
| Henderson, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 8.15% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 9.74% |
| REDDING, CA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 10.63% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 10.50% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 10.12% |
| MADERA, CA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 11.88% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 9.50% |
| Martinsville, VA (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $2,754 | 8.25% |
| DOVER, DE (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 10.63% |
| Shelton, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 9.50% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.49% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 10.50% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 10.00% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.00% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.99% |
| Durant, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 9.49% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,593 | 5.75% |
| Lewisburg, TN (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 10.08% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 10.25% |
| Prineville, OR (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 9.87% |
| Hailey, ID (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.99% |
| Greeneville, TN (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $2,733 | 6.88% |
| Fernley, NV (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 11.38% |
| Payson, AZ (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 10.50% |
| Albertville, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 10.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 10.25% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.99% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.50% |
| MERCED, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.50% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 10.49% |
| Laurinburg, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,153 | 7.50% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 10.50% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 10.75% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.25% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.50% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 12.00% |
| Elko, NV (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 12.00% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.75% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.49% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.25% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 12.00% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.75% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.25% |
| CHICO, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.99% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.99% |
| Woodward, OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.75% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.24% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.75% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.75% |
Similar Lenders
We use machine learning to identify the top lenders compared against HomeTrust Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 69
Similarity Rank: 96
Similarity Rank: 110
Similarity Rank: 180
Similarity Rank: 216
Similarity Rank: 288
Similarity Rank: 288
Similarity Rank: 304
Similarity Rank: 306
Similarity Rank: 376
Product Mix
For 2023, Hometrust Bank's most frequently originated type of loan was HELOC, with 2,273 originations. Their 2nd most popular type was Conventional, with 600 originations.
Loan Reason
For 2023, Hometrust Bank's most frequently cited loan purpose was Other, with 1,463 originations. The 2nd most popular reason was Home Purchase, with 970 originations.
Loan Duration/Length
For 2023, Hometrust Bank's most frequently cited loan duration was 30 Year, with 2,130 originations. The 2nd most popular length was Other, with 497 originations.
Origination Fees/Closing Costs
Hometrust Bank's average total fees were $3,701, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 251 originations.
Interest Rates
During 2023, Hometrust Bank's average interest rate for loans was 9.38%, while their most frequently originated rate bucket for loans was Over 8%, with 1,977 originations.
Loan Sizing
2023 saw Hometrust Bank place emphasis on $100k-200k loans with 841 originations, totaling $118,655,000 in origination value.
Applicant Income
Hometrust Bank lent most frequently to those with incomes in the $250k+ range, with 916 originations. The second most popular income band? $150k-250k, with 684 originations.
Applicant Debt to Income Ratio
Hometrust Bank lent most frequently to those with DTI ratios of 30-36%, with 533 originations. The next most common DTI ratio? 44%, with 463 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications74.40%
Hometrust Bank has a below average approval rate.
Pick Rate
Approvals leading to origination84.23%
Hometrust Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,879 | $680,495,000 | $236,365 |