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
Bank Data
Review & Overview
Hometrust Bank is a smaller bank specializing in Home Purchase and Refi 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, Greenville, Charlotte, Raleigh, and Portland among others. We have data for 113 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
3,488Origination Dollar Volume (All Markets)
$753,880,000Employee count
587Awards
HomeTrust Bank - 2020
HomeTrust Bank is a 2020 , due to their low .
For 2020, 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.
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) | 1,174 | $274,650,000 | $233,944 | $3,897 | 3.27% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 201 | $56,685,000 | $282,015 | $4,116 | 3.35% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 120 | $33,650,000 | $280,417 | $3,971 | 3.70% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 97 | $32,425,000 | $334,278 | $3,404 | 3.62% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 181 | $30,415,000 | $168,039 | $0 | 5.02% |
| Outside of Metro Areas | 140 | $30,390,000 | $217,071 | $3,448 | 3.39% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 139 | $26,695,000 | $192,050 | $0 | 5.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 101 | $20,505,000 | $203,020 | $0 | 4.91% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 145 | $19,615,000 | $135,276 | $0 | 6.30% |
| ROANOKE, VA (FHA|USDA|VA) | 77 | $18,695,000 | $242,792 | $3,573 | 3.18% |
| Shelby, NC (FHA|USDA|VA) | 117 | $17,255,000 | $147,479 | $3,604 | 3.34% |
| Forest City, NC (FHA|USDA|VA) | 61 | $10,845,000 | $177,787 | $3,465 | 3.21% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 49 | $10,225,000 | $208,673 | $0 | 5.42% |
| MORRISTOWN, TN (FHA|USDA|VA) | 49 | $9,745,000 | $198,878 | $3,954 | 3.43% |
| SPARTANBURG, SC (FHA|USDA|VA) | 44 | $9,720,000 | $220,909 | $3,417 | 3.26% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 45 | $9,615,000 | $213,667 | $2,856 | 3.44% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 52 | $9,110,000 | $175,192 | $0 | 5.10% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 52 | $8,240,000 | $158,462 | $3,100 | 3.63% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 38 | $7,420,000 | $195,263 | $0 | 4.86% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $7,110,000 | $3,555,000 | $0 | 3.33% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 19 | $6,745,000 | $355,000 | $3,349 | 3.45% |
| Brevard, NC (FHA|USDA|VA) | 24 | $5,930,000 | $247,083 | $3,385 | 3.10% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 53 | $5,595,000 | $105,566 | $3,170 | 3.45% |
| Marion, NC (FHA|USDA|VA) | 19 | $5,425,000 | $285,526 | $5,113 | 3.30% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 21 | $3,975,000 | $189,286 | $0 | 6.42% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 23 | $3,975,000 | $172,826 | $2,787 | 3.36% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 26 | $3,920,000 | $150,769 | $0 | 4.95% |
| LYNCHBURG, VA (FHA|USDA|VA) | 10 | $3,880,000 | $388,000 | $2,858 | 3.21% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 24 | $3,770,000 | $157,083 | $0 | 6.17% |
| KNOXVILLE, TN (FHA|USDA|VA) | 25 | $3,695,000 | $147,800 | $2,932 | 4.24% |
| BEND, OR (FHA|USDA|VA) | 18 | $3,390,000 | $188,333 | $0 | 4.93% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 12 | $3,250,000 | $270,833 | $5,050 | 3.72% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 10 | $3,170,000 | $317,000 | $3,353 | 3.45% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 17 | $2,895,000 | $170,294 | $0 | 4.50% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 22 | $2,830,000 | $128,636 | $0 | 5.08% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 15 | $2,795,000 | $186,333 | $0 | 5.24% |
| Morehead City, NC (FHA|USDA|VA) | 3 | $2,625,000 | $875,000 | $10,950 | 3.52% |
| Seneca, SC (FHA|USDA|VA) | 5 | $2,105,000 | $421,000 | $5,739 | 3.43% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 11 | $1,975,000 | $179,545 | $0 | 6.17% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 14 | $1,970,000 | $140,714 | $0 | 5.08% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 5 | $1,825,000 | $365,000 | $5,458 | 3.40% |
| Danville, VA (FHA|USDA|VA) | 22 | $1,720,000 | $78,182 | $2,814 | 3.58% |
| STOCKTON, CA (FHA|USDA|VA) | 13 | $1,695,000 | $130,385 | $0 | 5.57% |
| VALLEJO, CA (FHA|USDA|VA) | 9 | $1,665,000 | $185,000 | $0 | 4.80% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 6 | $1,630,000 | $271,667 | $0 | 5.41% |
| SALEM, OR (FHA|USDA|VA) | 9 | $1,585,000 | $176,111 | $0 | 4.88% |
| WILMINGTON, NC (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $3,272 | 4.07% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 10 | $1,420,000 | $142,000 | $0 | 6.44% |
| Cullowhee, NC (FHA|USDA|VA) | 11 | $1,245,000 | $113,182 | $3,188 | 3.33% |
| COLUMBIA, SC (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $3,277 | 3.45% |
| SALINAS, CA (FHA|USDA|VA) | 6 | $1,110,000 | $185,000 | $0 | 4.28% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $2,127 | 3.63% |
| MEDFORD, OR (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $0 | 4.49% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $0 | 6.05% |
| Key West, FL (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $0 | 6.30% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 6 | $820,000 | $136,667 | $0 | 6.49% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $4,936 | 4.00% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 6 | $720,000 | $120,000 | $0 | 6.37% |
| Hood River, OR (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $0 | 6.24% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $0 | 5.87% |
| Sevierville, TN (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $4,829 | 3.69% |
| CORVALLIS, OR (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $0 | 4.82% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 5 | $555,000 | $111,000 | $0 | 6.44% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 6.12% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $0 | 5.66% |
| MODESTO, CA (FHA|USDA|VA) | 5 | $495,000 | $99,000 | $0 | 5.09% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $0 | 5.87% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $0 | 4.24% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $0 | 5.66% |
| Prineville, OR (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 5.37% |
| MADERA, CA (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $0 | 5.66% |
| Boone, NC (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,758 | 3.75% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 4 | $290,000 | $72,500 | $0 | 5.87% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 7.49% |
| CHICO, CA (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $0 | 3.99% |
| Greeneville, TN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,532 | 3.50% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 3.99% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 4.37% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 5.74% |
| Newport, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 3.49% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,240 | 4.50% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,044 | 2.50% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,122 | 2.50% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 4.99% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.74% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,732 | 4.38% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.99% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,999 | 2.63% |
| Union, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,817 | 3.38% |
| Laurinburg, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,813 | 3.75% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,461 | 2.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 5.74% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 6.49% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 5.99% |
| Crossville, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,478 | 3.38% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.49% |
| Torrington, CT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.49% |
| Newberry, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,818 | 3.88% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 6.49% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 6.99% |
| NAPA, CA (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 5.37% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $115,000 | $38,333 | $0 | 5.41% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 6.49% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 6.49% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,549 | 2.88% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.74% |
| Martinsville, VA (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $2,209 | 3.44% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.74% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,632 | 5.13% |
| TULSA, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.49% |
| REDDING, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.49% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 4.49% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 4.99% |
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: 66
Similarity Rank: 82
Similarity Rank: 144
Similarity Rank: 256
Similarity Rank: 438
Similarity Rank: 448
Similarity Rank: 520
Similarity Rank: 720
Similarity Rank: 871
Similarity Rank: 931
Product Mix
For 2020, Hometrust Bank's most frequently originated type of loan was Conventional, with 1,748 originations. Their 2nd most popular type was HELOC, with 1,682 originations.
Loan Reason
For 2020, Hometrust Bank's most frequently cited loan purpose was Home Purchase, with 1,522 originations. The 2nd most popular reason was Refi, with 1,075 originations.
Loan Duration/Length
For 2020, Hometrust Bank's most frequently cited loan duration was 30 Year, with 2,251 originations. The 2nd most popular length was Other, with 617 originations.
Origination Fees/Closing Costs
Hometrust Bank's average total fees were $3,364, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 832 originations.
Interest Rates
During 2020, Hometrust Bank's average interest rate for loans was 4.22%, while their most frequently originated rate bucket for loans was 3-4%, with 1,567 originations.
Loan Sizing
2020 saw Hometrust Bank place emphasis on $200k-400k loans with 1,183 originations, totaling $321,735,000 in origination value.
Applicant Income
Hometrust Bank lent most frequently to those with incomes in the $150k-250k range, with 775 originations. The second most popular income band? $100k-150k, with 683 originations.
Applicant Debt to Income Ratio
Hometrust Bank lent most frequently to those with DTI ratios of 20-30%, with 853 originations. The next most common DTI ratio? 30-36%, with 688 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.54%
Hometrust Bank has a below average approval rate.
Pick Rate
Approvals leading to origination83.97%
Hometrust Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,488 | $753,880,000 | $216,135 |
Occupancy Type Mix
LTV Distribution
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Hometrust Bank | 10 Woodfin Street Asheville, NC 28801 | Full Service B&M | $399,502 |
| Hometrust Bank | 100 Queens Road Charlotte, NC 28204 | Full Service B&M | $93,789 |
| Hometrust Bank | 100 West Main Street Cherryville, NC 28021 | Full Service B&M | $44,372 |
| Hometrust Bank | 1011 Tunnel Road, Suite 180 Asheville, NC 28805 | Full Service B&M | $37,625 |
| Hometrust Bank | 106 South Van Buren Road Eden, NC 27288 | Full Service B&M | $116,787 |
| Hometrust Bank | 107 West Center Street Lexington, NC 27292 | Full Service B&M | $66,396 |
| Hometrust Bank | 11564 Old Highway 52 Winston Salem, NC 27107 | Full Service B&M | $18,911 |
| Hometrust Bank | 11916 Kingston Pike Farragut, TN 37934 | Full Service B&M | $30,832 |
| Hometrust Bank | 120 Evans Avenue Morristown, TN 37814 | Full Service B&M | $182,608 |
| Hometrust Bank | 1315 Bradford View Drive Cary, NC 27513 | Full Service B&M | $21,889 |
| Hometrust Bank | 140 Airport Road Suite P Arden, NC 28704 | Full Service B&M | $59,129 |
| Hometrust Bank | 156 East Broadway Boulevard Jefferson City, TN 37760 | Full Service B&M | $28,852 |
| Hometrust Bank | 1571 Roanoke Road Daleville, VA 24083 | Full Service B&M | $34,077 |
| Hometrust Bank | 1825 Hendersonville Road Asheville, NC 28803 | Full Service B&M | $62,728 |
| Hometrust Bank | 1907 North Roan Street Johnson City, TN 37601 | Full Service B&M | $158,251 |
| Hometrust Bank | 201 South Pollard Street Vinton, VA 24179 | Full Service B&M | $52,376 |
| Hometrust Bank | 224 East Warren Street Shelby, NC 28150 | Full Service B&M | $103,801 |
| Hometrust Bank | 228 Sixth Avenue East Hendersonville, NC 28792 | Full Service B&M | $123,086 |
| Hometrust Bank | 2420 North Main Street Danville, VA 24540 | Full Service B&M | $21,160 |
| Hometrust Bank | 2805 Reid School Road Reidsville, NC 27320 | Full Service B&M | $77,832 |
| Hometrust Bank | 2820 Brambleton Avenue Roanoke, VA 24015 | Full Service B&M | $29,293 |
| Hometrust Bank | 316 S Jefferson Street Roanoke, VA 24011 | Full Service B&M | $36,672 |
| Hometrust Bank | 3205 Riverside Drive Danville, VA 24541 | Full Service B&M | $46,716 |
| Hometrust Bank | 341 N. Trade Street Tryon, NC 28782 | Full Service B&M | $95,931 |
| Hometrust Bank | 351 Butler Road Forest City, NC 28043 | Full Service B&M | $27,537 |
| Hometrust Bank | 3956 Electric Road Roanoke, VA 24018 | Full Service B&M | $52,274 |
| Hometrust Bank | 4140 Parklake Avenue, Suite 610 Raleigh, NC 27612 | Full Service B&M | $48,793 |
| Hometrust Bank | 422 Broad Street Kingsport, TN 37660 | Full Service B&M | $65,433 |
| Hometrust Bank | 425 State Street Bristol, VA 24201 | Full Service B&M | $24,727 |
| Hometrust Bank | 499 Woodruff Road Greenville, SC 29607 | Full Service B&M | $65,375 |
| Hometrust Bank | 5 North Ridge Commons Parkway Weaverville, NC 28787 | Full Service B&M | $89,237 |
| Hometrust Bank | 5002 Williamson Road Roanoke, VA 24012 | Full Service B&M | $56,068 |
| Hometrust Bank | 612 West Walnut Street Johnson City, TN 37601 | Full Service B&M | $17,379 |
| Hometrust Bank | 6501 Kingston Pike Knoxville, TN 37919 | Full Service B&M | $75,029 |
| Hometrust Bank | 685 West Mills Street Columbus, NC 28722 | Full Service B&M | $79,813 |
| Hometrust Bank | 8 Lester Street Martinsville, VA 24112 | Full Service B&M | $21,417 |
| Hometrust Bank | 800 Russ Avenue Waynesville, NC 28786 | Full Service B&M | $87,621 |
| Hometrust Bank | 8583 Carolina Boulevard Clyde, NC 28721 | Full Service B&M | $51,540 |
| Hometrust Bank | 8599 Pelham Road Greenville, SC 29615 | Full Service B&M | $21,960 |
| Hometrust Bank | 862 Med Tech Pkwy Johnson City, TN 37604 | Full Service B&M | $35,676 |
| Hometrust Bank | Merchants Greene Blvd, 123 Merchants Greene Blvd Morristown, TN 37814 | Full Service B&M | $27,683 |
For 2020, Hometrust Bank had 41 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $124,854 |
| Net interest income | $101,597 |
| Total noninterest income | $31,609 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $3,442 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $28,167 |
| Pre-tax net operating income | $25,858 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $20,719 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $20,719 |
| Minority interest net income | $0 |
| Net income | $20,719 |
| Sale, conversion, retirement of capital stock, net | $1,126 |
| Net operating income | $20,719 |
Hometrust Bank's gross interest income from loans was $124,854,000.
Hometrust Bank's net interest income from loans was $101,597,000.
Hometrust Bank's fee based income from loans was $3,442,000.
Hometrust Bank's net income from loans was $20,719,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $23,257 |
| Provision for credit losses | $5,884 |
| Total noninterest expense | $101,464 |
| Salaries and employee benefits | $58,952 |
| Premises and equipment expense | $9,786 |
| Additional noninterest expense | $32,726 |
| Applicable income taxes | $5,139 |
| Net charge-offs | $2,697 |
| Cash dividends | $19,339 |
Hometrust Bank's interest expense for loans was $23,257,000.
Hometrust Bank's payroll and benefits expense were $58,952,000.
Hometrust Bank's property, plant and equipment expenses $9,786,000.
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 | 4.0% |
| 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 | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $2,749,924 |
| Deposits held in domestic offices | $2,749,924 |
| Deposits by Individuals, partnerships, and corporations | $2,607,176 |
| Deposits by U.S. Government | $1,788 |
| Deposits by States and political subdivisions in the U.S. | $138,973 |
| Deposits by Commercial banks and other depository institutions in U.S. | $1,987 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $360,026 |
| Demand deposits | $255,658 |
| Nontransaction accounts | $2,389,898 |
| Money market deposit accounts (MMDAs) | $1,653,951 |
| Other savings deposits (excluding MMDAs) | $209,699 |
| Total time deposits | $526,248 |
| Total time and savings deposits | $2,494,266 |
| Noninterest-bearing deposits | $700,156 |
| Interest-bearing deposits | $2,049,768 |
| Retail deposits | $2,655,169 |
| IRAs and Keogh plan accounts | $96,318 |
| Brokered deposits | $4,585 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $3,679,624 |
| Cash & Balances due from depository institutions | $274,853 |
| Interest-bearing balances | $247,488 |
| Total securities | $337,318 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $2,757,219 |
| Loan and leases loss allowance | $39,844 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $76,702 |
| Other real estate owned | $109 |
| Goodwill and other intangibles | $28,331 |
| All other assets | $205,092 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $3,679,624 |
| Total Liabilities | $3,288,080 |
| Total deposits | $2,749,924 |
| Interest-bearing deposits | $2,049,768 |
| Deposits held in domestic offices | $2,749,924 |
| % insured (estimated) | $84 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $481,665 |
| Subordinated debt | $0 |
| All other liabilities | $56,491 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $2,757,219 |
| Loan and leases loss allowance | $39,844 |
| Total loans and leases (domestic) | $2,797,063 |
| All real estate loans | $2,053,386 |
| Real estate loans in domestic offices | $2,053,386 |
| Construction and development loans | $244,724 |
| Residential 1-4 family construction | $113,645 |
| Other construction, all land development and other land | $131,079 |
| Loans secured by nonfarm nonresidential properties | $974,165 |
| Nonfarm nonresidential secured by owner-occupied properties | $299,668 |
| Commercial real estate & other non-farm, non-residential | $674,497 |
| Multifamily residential real estate | $85,254 |
| 1-4 family residential loans | $746,998 |
| Farmland loans | $2,245 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $556,881 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $132,267 |
| Credit card loans | $0 |
| Related Plans | $795 |
| Consumer Auto Loans | $125,187 |
| Other loans to individuals | $6,285 |
| All other loans & leases | $54,529 |
| 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 | $12,667 |
| Non 1-4 family restructured loans & leases | $2,388 |
| Total loans and leases (foreign) | $0 |
HomeTrust Bank had $2,757,219,000 of loans outstanding in 2020. $2,053,386,000 of loans were in real estate loans. $244,724,000 of loans were in development loans. $85,254,000 of loans were in multifamily mortgage loans. $746,998,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $125,187,000 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 | 729 | $204,257 | $280,188 |
| Nonfarm, nonresidential loans - <$100k | 93 | $3,651 | $39,258 |
| Nonfarm, nonresidential loans - $100-250k | 188 | $21,566 | $114,713 |
| Nonfarm, nonresidential loans - $250k-1MM | 448 | $179,040 | $399,643 |
| Commercial & Industrial, US addressed loans - <$1MM | 2,682 | $304,944 | $113,700 |
| Commercial & Industrial, US addressed loans - <$100k | 1,423 | $67,177 | $47,208 |
| Commercial & Industrial, US addressed loans - $100-250k | 899 | $125,856 | $139,996 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 360 | $111,911 | $310,864 |
| Farmland loans - <$1MM | 5 | $461 | $92,200 |
| Farmland loans - <$100k | 1 | $47 | $47,000 |
| Farmland loans - $100-250k | 2 | $92 | $46,000 |
| Farmland loans - $250k-1MM | 2 | $322 | $161,000 |