Hometrust Bank Mortgage Rates, Fees & Info

Asheville, NC

LEI: 549300COIWXM618UBE82

Tax ID: 56-0181785

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Hometrust Bank is a smaller bank specializing in 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, Charlotte, Raleigh, Greenville, and Sevierville among others. We have data for 41 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 about average 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

    1,719

    Origination Dollar Volume (All Markets)

    $351,555,000

    Employee count

    545 Show all (7) awards

    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) 826 $156,380,000 $189,322 $4,726 4.74%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 79 $30,255,000 $382,975 $7,154 4.55%
    RALEIGH-CARY, NC (FHA|USDA|VA) 35 $20,405,000 $583,000 $5,130 4.62%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 73 $15,055,000 $206,233 $4,648 4.86%
    Outside of Metro Areas 80 $14,320,000 $179,000 $3,942 4.69%
    Sevierville, TN (FHA|USDA|VA) 3 $13,405,000 $4,468,333 $0 4.85%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 83 $12,805,000 $154,277 $3,642 4.84%
    JOHNSON CITY, TN (FHA|USDA|VA) 58 $12,420,000 $214,138 $3,830 4.91%
    ROANOKE, VA (FHA|USDA|VA) 53 $7,885,000 $148,774 $3,105 4.94%
    Forest City, NC (FHA|USDA|VA) 54 $7,860,000 $145,556 $3,914 4.72%
    MORRISTOWN, TN (FHA|USDA|VA) 70 $7,340,000 $104,857 $3,681 4.98%
    Shelby, NC (FHA|USDA|VA) 56 $7,240,000 $129,286 $3,695 4.66%
    SPARTANBURG, SC (FHA|USDA|VA) 30 $6,000,000 $200,000 $4,186 4.69%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 72 $5,760,000 $80,000 $3,435 4.99%
    Marion, NC (FHA|USDA|VA) 14 $4,910,000 $350,714 $6,624 4.44%
    KNOXVILLE, TN (FHA|USDA|VA) 27 $4,885,000 $180,926 $3,636 4.76%
    Brevard, NC (FHA|USDA|VA) 12 $4,260,000 $355,000 $4,968 4.32%
    WINSTON-SALEM, NC (FHA|USDA|VA) 16 $2,320,000 $145,000 $4,121 4.89%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $2,130,000 $355,000 $6,532 4.98%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 6 $2,000,000 $333,333 $5,384 4.63%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 7 $1,815,000 $259,286 $6,427 4.53%
    WILMINGTON, NC (FHA|USDA|VA) 5 $1,745,000 $349,000 $2,777 4.65%
    Boone, NC (FHA|USDA|VA) 4 $1,700,000 $425,000 $7,693 4.56%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $1,510,000 $377,500 $7,159 4.84%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $10,534 4.13%
    Cullowhee, NC (FHA|USDA|VA) 6 $1,120,000 $186,667 $4,255 4.67%
    Danville, VA (FHA|USDA|VA) 11 $785,000 $71,364 $4,028 5.02%
    LYNCHBURG, VA (FHA|USDA|VA) 6 $740,000 $123,333 $3,240 4.85%
    Morehead City, NC (FHA|USDA|VA) 1 $595,000 $595,000 $0 5.30%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $490,000 $245,000 $0 4.55%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $445,000 $148,333 $4,553 5.29%
    Crossville, TN (FHA|USDA|VA) 3 $365,000 $121,667 $2,679 4.83%
    Seneca, SC (FHA|USDA|VA) 3 $355,000 $118,333 $2,848 5.04%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $305,000 $305,000 $3,223 4.50%
    Martinsville, VA (FHA|USDA|VA) 3 $225,000 $75,000 $3,828 4.96%
    Greenwood, SC (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.75%
    Georgetown, SC (FHA|USDA|VA) 1 $105,000 $105,000 $1,544 5.38%
    Greeneville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $3,101 4.88%
    Big Stone Gap, VA (FHA|USDA|VA) 1 $85,000 $85,000 $2,689 4.88%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.50%
    CLEVELAND, TN (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.75%
    Hometrust Bank's top markets include Asheville, Charlotte, Raleigh, Greenville, and Sevierville among others.

    Their top states include:
  • North Carolina (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)

    • 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.

    Kingsport Press Credit Union
    Similarity Rank: 10
    CONSUMER Credit Union
    Similarity Rank: 16
    New Peoples Bank, Inc.
    Similarity Rank: 182
    CU COMMUNITY, LLC
    Similarity Rank: 192
    Highlands Union Bank
    Similarity Rank: 252
    Whitley Mortgage Associates, Inc.
    Similarity Rank: 258
    ORNL Federal Credit Union
    Similarity Rank: 285
    GREENVILLE FEDERAL CREDIT UNION
    Similarity Rank: 285
    Commercial Bank
    Similarity Rank: 342
    Belmont Savings Bank, SSB
    Similarity Rank: 390

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 943 $274,815,000 $291,426 $4,619 4.57%
    HELOC 716 $66,950,000 $93,506 n/a 5.07%
    USDA 60 $9,790,000 $163,167 $4,785 4.30%

    For 2018, Hometrust Bank's most frequently originated type of loan was Conventional, with 943 originations. Their 2nd most popular type was HELOC, with 716 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 757 $226,665,000 $299,425 $5,122 4.55%
    Other 304 $29,510,000 $97,072 $3,465 5.05%
    Refi 288 $47,740,000 $165,764 $3,091 4.79%
    Home Improvement 229 $17,795,000 $77,707 $2,657 5.15%
    Cash Out Refi 141 $29,845,000 $211,667 $3,375 4.68%

    For 2018, Hometrust Bank's most frequently cited loan purpose was Home Purchase, with 757 originations. The 2nd most popular reason was Other, with 304 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 773 $105,685,000 $136,721 $6,940 5.01%
    30 Year 583 $129,725,000 $222,513 $3,649 4.63%
    30+ year 204 $80,260,000 $393,431 $7,494 4.46%
    15 Year 86 $16,090,000 $187,093 $3,091 4.12%
    20 Year 29 $6,185,000 $213,276 $3,920 4.70%
    5 Year 25 $8,465,000 $338,600 $0 5.33%
    10 Year 12 $3,720,000 $310,000 $3,194 4.73%
    1 Year 5 $895,000 $179,000 $0 5.10%
    3 Year 2 $530,000 $265,000 $0 4.33%

    For 2018, Hometrust Bank's most frequently cited loan duration was Other, with 773 originations. The 2nd most popular length was 30 Year, with 583 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 382 $82,670,000 $216,414
    $1k-2k 203 $36,295,000 $178,793
    $5k+ 94 $59,430,000 $632,234
    $2k-3k 87 $18,225,000 $209,483
    $3k-4k 75 $21,225,000 $283,000
    $4k-5k 71 $23,115,000 $325,563

    Hometrust Bank's average total fees were $3,649, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 382 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,179 $250,065,000 $212,099
    5-6% 347 $40,615,000 $117,046
    3-4% 156 $58,710,000 $376,346
    6-7% 37 $2,165,000 $58,514

    During 2018, Hometrust Bank's average interest rate for loans was 4.63%, while their most frequently originated rate bucket for loans was 4-5%, with 1,179 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 579 $31,775,000 $54,879 $2,858 5.04%
    $100k-200k 541 $76,685,000 $141,747 $3,504 4.74%
    $200k-400k 439 $121,385,000 $276,503 $4,829 4.60%
    $400k-600k 92 $43,460,000 $472,391 $6,105 4.35%
    $600k-1MM 48 $36,760,000 $765,833 $9,593 4.29%
    $1MM+ 20 $41,490,000 $2,074,500 $15,869 4.24%

    2018 saw Hometrust Bank place emphasis on $100,000 or less loans with 579 originations, totaling $31,775,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 388 $51,890,000 $133,737 $4,082 4.81%
    $50k or less 323 $31,665,000 $98,034 $3,427 4.78%
    $100k-150k 302 $62,460,000 $206,821 $4,722 4.81%
    $75k-100k 293 $44,315,000 $151,246 $4,000 4.77%
    $150k-250k 199 $55,515,000 $278,970 $5,619 4.68%
    $250k+ 132 $64,580,000 $489,242 $8,609 4.57%

    Hometrust Bank lent most frequently to those with incomes in the $50k-75k range, with 388 originations. The second most popular income band? $50k or less, with 323 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 413 $73,385,000 $177,688 $4,428 4.69%
    30-36% 368 $68,760,000 $186,848 $4,816 4.74%
    39% 205 $27,215,000 $132,756 $4,756 4.98%
    <20% 154 $31,740,000 $206,104 $4,764 4.68%
    38% 87 $15,115,000 $173,736 $4,715 4.85%
    37% 74 $17,580,000 $237,568 $5,481 4.86%
    36% 73 $11,785,000 $161,438 $4,091 4.81%
    40% 64 $13,150,000 $205,469 $4,873 4.69%
    42% 50 $14,370,000 $287,400 $5,559 4.61%
    41% 47 $13,955,000 $296,915 $4,899 4.60%
    44% 28 $5,700,000 $203,571 $3,463 4.98%
    47% 21 $5,365,000 $255,476 $4,730 4.64%
    43% 18 $3,330,000 $185,000 $3,634 4.91%
    46% 15 $2,685,000 $179,000 $3,518 4.60%
    45% 14 $2,500,000 $178,571 $3,294 4.67%
    48% 12 $2,330,000 $194,167 $3,669 4.47%
    49% 10 $2,460,000 $246,000 $3,980 4.61%
    50-60% 5 $575,000 $115,000 $2,856 4.80%
    >60% 1 $865,000 $865,000 $13,100 3.88%

    Hometrust Bank lent most frequently to those with DTI ratios of 20-30%, with 413 originations. The next most common DTI ratio? 30-36%, with 368 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,568 $297,110,000 $189,483 $4,640 4.76%
    Not applicable 44 $33,640,000 $764,545 $0 4.97%
    Not provided 61 $14,265,000 $233,852 $4,840 4.60%
    Asian 14 $3,300,000 $235,714 $4,222 4.63%
    Black 23 $2,405,000 $104,565 $3,855 5.07%
    American Indian 5 $465,000 $93,000 $3,224 4.70%
    Native Hawaiian or Islander 3 $245,000 $81,667 $0 5.08%
    Asian Indian 1 $125,000 $125,000 $0 5.00%

    Approval Rates

    Total approvals of all applications
    79.94%

    Hometrust Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    84.64%

    Hometrust Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,719 $351,555,000 $204,511

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $895,000 $895,000
    Multifamily:Site-Built 17 $27,475,000 $1,616,176
    Single Family (1-4 Units):Manufactured 16 $1,430,000 $89,375
    Single Family (1-4 Units):Site-Built 1,685 $321,755,000 $190,953

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 278 $29,010,000 $104,353 $3,656 4.92%
    40-60% 266 $51,220,000 $192,556 $4,230 4.63%
    60-80% 466 $138,740,000 $297,725 $4,750 4.68%
    80-100% 435 $119,995,000 $275,851 $4,790 4.58%
    Under 20% 274 $12,590,000 $45,949 $3,352 5.18%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    HomeTrust Bank 10 Woodfin Street Asheville, NC 28801 Full Service B&M $281,628
    HomeTrust Bank 100 Queens Road Charlotte, NC 28204 Full Service B&M $55,915
    HomeTrust Bank 100 West Main Street Cherryville, NC 28021 Full Service B&M $42,413
    HomeTrust Bank 1011 Tunnel Road, Suite 180 Asheville, NC 28805 Full Service B&M $27,479
    HomeTrust Bank 224 East Warren Street Shelby, NC 28150 Full Service B&M $95,432
    HomeTrust Bank 106 South Van Buren Road Eden, NC 27288 Full Service B&M $101,901
    HomeTrust Bank 107 West Center Street Lexington, NC 27292 Full Service B&M $65,328
    HomeTrust Bank 11564 Old Highway 52 Winston Salem, NC 27107 Full Service B&M $16,598
    HomeTrust Bank 11916 Kingston Pike Farragut, TN 37934 Full Service B&M $13,933
    HomeTrust Bank 120 Evans Avenue Morristown, TN 37814 Full Service B&M $159,198
    HomeTrust Bank 1315 Bradford View Drive Cary, NC 27513 Full Service B&M $1,077
    HomeTrust Bank 140 Airport Road Suite P Arden, NC 28704 Full Service B&M $53,669
    HomeTrust Bank 156 East Broadway Boulevard Jefferson City, TN 37760 Full Service B&M $22,317
    HomeTrust Bank 1571 Roanoke Road Daleville, VA 24083 Full Service B&M $31,414
    HomeTrust Bank 1825 Hendersonville Road Asheville, NC 28803 Full Service B&M $45,047
    HomeTrust Bank 1907 North Roan Street Johnson City, TN 37601 Full Service B&M $127,342
    HomeTrust Bank 1999 East Stone Street Kingsport, TN 37660 Full Service B&M $15,685
    HomeTrust Bank 201 South Pollard Street Vinton, VA 24179 Full Service B&M $45,614
    HomeTrust Bank 228 Sixth Avenue East Hendersonville, NC 28792 Full Service B&M $108,977
    HomeTrust Bank 2420 North Main Street Danville, VA 24540 Full Service B&M $19,094
    HomeTrust Bank 2805 Reid School Road Reidsville, NC 27320 Full Service B&M $61,962
    HomeTrust Bank 2820 Brambleton Avenue Roanoke, VA 24015 Full Service B&M $26,904
    HomeTrust Bank 316 S Jefferson Street Roanoke, VA 24011 Full Service B&M $26,307
    HomeTrust Bank 3205 Riverside Drive Danville, VA 24541 Full Service B&M $38,045
    HomeTrust Bank 341 N. Trade Street Tryon, NC 28782 Full Service B&M $87,094
    HomeTrust Bank 351 Butler Road Forest City, NC 28043 Full Service B&M $15,215
    HomeTrust Bank 3956 Electric Road Roanoke, VA 24018 Full Service B&M $45,006
    HomeTrust Bank 4140 Parklake Avenue, Suite 610 Raleigh, NC 27612 Full Service B&M $16,631
    HomeTrust Bank 422 Broad Street Kingsport, TN 37660 Full Service B&M $42,504
    HomeTrust Bank 425 State Street Bristol, VA 24201 Full Service B&M $27,043
    HomeTrust Bank 499 Woodruff Road Greenville, SC 29607 Full Service B&M $51,205
    HomeTrust Bank 5 North Ridge Commons Parkway Weaverville, NC 28787 Full Service B&M $75,747
    HomeTrust Bank 5002 Williamson Road Roanoke, VA 24012 Full Service B&M $49,489
    HomeTrust Bank 612 West Walnut Street Johnson City, TN 37601 Full Service B&M $16,012
    HomeTrust Bank 6501 Kingston Pike Knoxville, TN 37919 Full Service B&M $33,904
    HomeTrust Bank 685 West Mills Street Columbus, NC 28722 Full Service B&M $66,263
    HomeTrust Bank 8 Lester Street Martinsville, VA 24112 Full Service B&M $33,523
    HomeTrust Bank 800 Russ Avenue Waynesville, NC 28786 Full Service B&M $68,751
    HomeTrust Bank 8583 Carolina Boulevard Clyde, NC 28721 Full Service B&M $47,384
    HomeTrust Bank 8599 Pelham Road Greenville, SC 29615 Full Service B&M $10,395
    HomeTrust Bank 862 Med Tech Pkwy Johnson City, TN 37604 Full Service B&M $33,415
    HomeTrust Bank Merchants Greene Blvd Morristown, TN 37814 Full Service B&M $26,779

    For 2018, Hometrust Bank had 42 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $126,420
    Net interest income $103,785
    Total noninterest income $21,135
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $4,072
    Trading account gains and fees $0
    Additional Noninterest Income $17,063
    Pre-tax net operating income $38,742
    Securities gains (or losses, -) $0
    Income before extraordinary items $29,525
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $29,525
    Minority interest net income $0
    Net income $29,525
    Sale, conversion, retirement of capital stock, net $1,441
    Net operating income $29,525

    Hometrust Bank's gross interest income from loans was $126,420,000.
    Hometrust Bank's net interest income from loans was $103,785,000.
    Hometrust Bank's fee based income from loans was $4,072,000.
    Hometrust Bank's net income from loans was $29,525,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $22,635
    Provision for credit losses $68
    Total noninterest expense $86,110
    Salaries and employee benefits $48,741
    Premises and equipment expense $10,257
    Additional noninterest expense $27,112
    Applicable income taxes $9,217
    Net charge-offs $-319
    Cash dividends $0

    Hometrust Bank's interest expense for loans was $22,635,000.
    Hometrust Bank's payroll and benefits expense were $48,741,000.
    Hometrust Bank's property, plant and equipment expenses $10,257,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,273,517
    Deposits held in domestic offices $2,273,517
    Deposits by Individuals, partnerships, and corporations $2,145,929
    Deposits by U.S. Government $45
    Deposits by States and political subdivisions in the U.S. $126,317
    Deposits by Commercial banks and other depository institutions in U.S. $1,226
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $80,031
    Demand deposits $32,740
    Nontransaction accounts $2,193,486
    Money market deposit accounts (MMDAs) $1,412,973
    Other savings deposits (excluding MMDAs) $192,954
    Total time deposits $587,559
    Total time and savings deposits $2,240,777
    Noninterest-bearing deposits $340,544
    Interest-bearing deposits $1,932,973
    Retail deposits $2,061,342
    IRAs and Keogh plan accounts $99,264
    Brokered deposits $139,744
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,409,271
    Cash & Balances due from depository institutions $122,486
    Interest-bearing balances $78,061
    Total securities $389,038
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,621,600
    Loan and leases loss allowance $21,354
    Trading account assets $0
    Bank premises and fixed assets $66,609
    Other real estate owned $2,334
    Goodwill and other intangibles $29,734
    All other assets $177,470

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,409,271
    Total Liabilities $3,019,680
    Total deposits $2,273,517
    Interest-bearing deposits $1,932,973
    Deposits held in domestic offices $2,273,517
    % insured (estimated) $88
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $697,793
    Subordinated debt $0
    All other liabilities $48,370

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,621,600
    Loan and leases loss allowance $21,354
    Total loans and leases (domestic) $2,642,954
    All real estate loans $2,128,930
    Real estate loans in domestic offices $2,128,930
    Construction and development loans $271,691
    Residential 1-4 family construction $107,966
    Other construction, all land development and other land $163,725
    Loans secured by nonfarm nonresidential properties $803,503
    Nonfarm nonresidential secured by owner-occupied properties $252,180
    Commercial real estate & other non-farm, non-residential $551,323
    Multifamily residential real estate $106,129
    1-4 family residential loans $946,464
    Farmland loans $1,143
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $209,503
    To non-U.S. addressees $0
    Loans to individuals $178,278
    Credit card loans $0
    Related Plans $656
    Consumer Auto Loans $176,082
    Other loans to individuals $1,540
    All other loans & leases $126,243
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $18,326
    Non 1-4 family restructured loans & leases $3,100
    Total loans and leases (foreign) $0

    HomeTrust Bank had $2,621,600,000 of loans outstanding in 2018. $2,128,930,000 of loans were in real estate loans. $271,691,000 of loans were in development loans. $106,129,000 of loans were in multifamily mortgage loans. $946,464,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $176,082,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 808 $212,156 $262,569
    Nonfarm, nonresidential loans - <$100k 124 $5,488 $44,258
    Nonfarm, nonresidential loans - $100-250k 253 $29,731 $117,514
    Nonfarm, nonresidential loans - $250k-1MM 431 $176,937 $410,527
    Commercial & Industrial, US addressed loans - <$1MM 731 $63,666 $87,094
    Commercial & Industrial, US addressed loans - <$100k 425 $12,130 $28,541
    Commercial & Industrial, US addressed loans - $100-250k 161 $14,327 $88,988
    Commercial & Industrial, US addressed loans - $250k-1MM 145 $37,209 $256,614
    Farmland loans - <$1MM 12 $1,143 $95,250
    Farmland loans - <$100k 10 $451 $45,100
    Farmland loans - $100-250k 1 $201 $201,000
    Farmland loans - $250k-1MM 1 $491 $491,000