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

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%	4/18/24
30 Year Conventional Purchase	6.44%	4/18/24
30 Year Conventional Refi	6.39%	4/18/24
30 Year Cash-out Refi	6.60%	4/18/24
30 Year USDA Purchase	6.45%	4/18/24
15 Year Conventional Purchase	6.20%	4/18/24
15 Year Conventional Refi	6.16%	4/18/24
15 Year Cash-out Refi	6.16%	4/18/24
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

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

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

3,488

Origination Dollar Volume (All Markets)

$753,880,000

Employee count

587

Awards

HomeTrust Bank 30 Year Conventional Loans silver

HomeTrust Bank 30 Year Conventional Loans bronze

HomeTrust Bank 30 Year Conventional Loans gold

Show all (12) 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)	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%

Hometrust Bank's top markets include Asheville, Greenville, Charlotte, Raleigh, and Portland among others.

Their top states include:

North Carolina (FHA|USDA|VA)

California (FHA|USDA|VA)

South Carolina (FHA|USDA|VA)

Tennessee (FHA|USDA|VA)

Oregon (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.

CONSUMER Credit Union
Similarity Rank: 66

NORTHEAST COMMUNITY
Similarity Rank: 82

Kingsport Press Credit Union
Similarity Rank: 144

Virginia Credit Union, Inc.
Similarity Rank: 256

Greenville Heritage Federal Credit Union
Similarity Rank: 438

ORNL Federal Credit Union
Similarity Rank: 448

Coastal Carolina National Bank
Similarity Rank: 520

BLMC, INC
Similarity Rank: 720

Community Trust Bank, Inc.
Similarity Rank: 871

S. C. STATE FEDERAL CREDIT UNION
Similarity Rank: 931

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,748	$493,670,000	$282,420	$3,754	3.18%
HELOC	1,682	$249,710,000	$148,460	n/a	4.77%
USDA	58	$10,500,000	$181,034	$4,882	2.94%

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

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	1,522	$369,650,000	$242,871	$4,595	4.46%
Refi	1,075	$241,425,000	$224,581	$3,086	3.42%
Other	358	$45,890,000	$128,184	$3,037	4.11%
Cash Out Refi	315	$74,705,000	$237,159	$3,441	3.24%
Home Improvement	218	$22,210,000	$101,881	$6,179	3.67%

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

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	2,251	$480,515,000	$213,467	$3,364	4.22%
Other	617	$78,705,000	$127,561	$3,462	3.68%
15 Year	260	$59,380,000	$228,385	$3,153	2.74%
30+ year	221	$90,855,000	$411,109	$7,041	3.65%
20 Year	79	$17,525,000	$221,835	$3,224	3.16%
5 Year	27	$12,565,000	$465,370	$0	4.10%
10 Year	26	$11,510,000	$442,692	$2,753	2.84%
3 Year	6	$2,370,000	$395,000	$0	3.25%
1 Year	1	$455,000	$455,000	$0	4.00%

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

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	832	$209,590,000	$251,911
$1k-2k	522	$113,940,000	$218,276
$2k-3k	164	$46,760,000	$285,122
$3k-4k	77	$22,455,000	$291,623
$5k+	75	$44,445,000	$592,600
$4k-5k	57	$22,615,000	$396,754

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

Loan Rate	Originations	Total Value	Average Loan
3-4%	1,567	$359,525,000	$229,435
2.5-3%	703	$184,795,000	$262,866
4-5%	419	$68,905,000	$164,451
6-7%	365	$58,305,000	$159,740
5-6%	230	$37,240,000	$161,913
<2.5%	165	$38,765,000	$234,939
7-8%	39	$6,345,000	$162,692

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

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	1,183	$321,735,000	$271,965	$3,737	3.68%
$100k-200k	1,122	$164,940,000	$147,005	$3,181	3.91%
$100,000 or less	816	$50,760,000	$62,206	$2,710	4.50%
$400k-600k	288	$135,800,000	$471,528	$4,858	3.69%
$600k-1MM	56	$41,880,000	$747,857	$8,143	3.62%
$1MM+	23	$38,765,000	$1,685,435	$13,883	3.33%

2020 saw Hometrust Bank place emphasis on $200k-400k loans with 1,183 originations, totaling $321,735,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$150k-250k	775	$167,835,000	$216,561	$4,167	4.49%
$100k-150k	683	$142,495,000	$208,631	$3,854	3.81%
$250k+	590	$173,860,000	$294,678	$5,480	4.65%
$50k-75k	535	$87,925,000	$164,346	$3,471	3.44%
$75k-100k	422	$84,510,000	$200,261	$3,558	3.46%
$50k or less	363	$43,725,000	$120,455	$3,127	3.40%

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

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	853	$179,385,000	$210,299	$3,673	3.79%
30-36%	688	$140,590,000	$204,346	$4,004	3.96%
<20%	412	$99,200,000	$240,777	$3,657	3.28%
39%	262	$42,050,000	$160,496	$4,054	3.95%
44%	179	$35,115,000	$196,173	$3,577	4.90%
37%	150	$29,430,000	$196,200	$4,403	4.09%
38%	140	$26,360,000	$188,286	$3,755	4.14%
42%	129	$29,385,000	$227,791	$4,402	4.33%
43%	128	$24,820,000	$193,906	$3,378	4.60%
36%	127	$23,975,000	$188,780	$3,745	4.11%
40%	126	$26,750,000	$212,302	$3,741	4.27%
41%	119	$24,175,000	$203,151	$4,205	4.54%
46%	33	$9,275,000	$281,061	$3,519	3.07%
45%	27	$6,515,000	$241,296	$3,053	3.72%
49%	26	$7,660,000	$294,615	$3,746	2.96%
47%	22	$5,050,000	$229,545	$3,023	3.37%
48%	14	$3,250,000	$232,143	$3,236	3.03%
>60%	1	$475,000	$475,000	$0	4.00%

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

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	2,949	$621,925,000	$210,894	$3,757	3.89%
Not provided	290	$58,410,000	$201,414	$4,271	4.17%
Not applicable	48	$36,340,000	$757,083	$0	3.72%
Asian	123	$24,835,000	$201,911	$4,002	4.57%
Black	62	$9,630,000	$155,323	$3,931	4.43%
American Indian	8	$950,000	$118,750	$2,217	4.57%
Native Hawaiian or Islander	4	$810,000	$202,500	$5,730	4.56%
Asian Indian	3	$675,000	$225,000	$2,698	2.79%
Other Asian	1	$305,000	$305,000	$5,324	2.88%

Approval Rates

Total approvals of all applications
82.54%

Hometrust Bank has a below average approval rate.

Pick Rate

Approvals leading to origination
83.97%

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

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	19	$28,265,000	$1,487,632
Single Family (1-4 Units):Manufactured	29	$3,035,000	$104,655
Single Family (1-4 Units):Site-Built	3,440	$722,580,000	$210,052

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	789	$156,305,000	$198,105	$3,052	4.52%
40-60%	501	$113,815,000	$227,176	$3,363	3.24%
60-80%	798	$246,750,000	$309,211	$3,873	3.24%
80-100%	511	$147,545,000	$288,738	$4,241	3.26%
Over 100%	2	$1,270,000	$635,000	$0	2.88%
Under 20%	887	$88,195,000	$99,431	$2,687	4.85%

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