Hometrust Bank Mortgage Rates, Fees & Info
Asheville, NCLEI: 549300COIWXM618UBE82
Tax ID: 56-0181785
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Mortgage Data
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, Greenville, Charlotte, Raleigh, and Los Angeles among others. We have data for 144 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.
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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
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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
2,458Origination Dollar Volume (All Markets)
$618,240,000Awards
HomeTrust Bank - 2022
HomeTrust Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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) | 654 | $190,460,000 | $291,223 | $6,172 | 4.47% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 161 | $47,055,000 | $292,267 | $5,909 | 4.47% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 123 | $41,865,000 | $340,366 | $4,642 | 5.15% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 80 | $31,570,000 | $394,625 | $5,082 | 5.20% |
| Outside of Metro Areas | 104 | $28,930,000 | $278,173 | $5,067 | 5.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 72 | $16,520,000 | $229,444 | $0 | 6.80% |
| ROANOKE, VA (FHA|USDA|VA) | 59 | $13,235,000 | $224,322 | $3,173 | 4.70% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 88 | $12,490,000 | $141,932 | $0 | 6.26% |
| Shelby, NC (FHA|USDA|VA) | 54 | $10,490,000 | $194,259 | $4,996 | 4.72% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 60 | $9,760,000 | $162,667 | $0 | 7.59% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 43 | $9,455,000 | $219,884 | $0 | 6.02% |
| Forest City, NC (FHA|USDA|VA) | 36 | $9,290,000 | $258,056 | $5,043 | 4.97% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 22 | $8,510,000 | $386,818 | $6,224 | 4.50% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 34 | $7,630,000 | $224,412 | $3,816 | 4.59% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 36 | $7,490,000 | $208,056 | $0 | 8.62% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 65 | $7,245,000 | $111,462 | $3,391 | 5.07% |
| MORRISTOWN, TN (FHA|USDA|VA) | 39 | $6,905,000 | $177,051 | $5,478 | 4.99% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 32 | $6,880,000 | $215,000 | $0 | 7.31% |
| Marion, NC (FHA|USDA|VA) | 17 | $6,835,000 | $402,059 | $7,246 | 4.83% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 32 | $6,650,000 | $207,813 | $0 | 6.34% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 20 | $6,640,000 | $332,000 | $9,881 | 5.92% |
| KNOXVILLE, TN (FHA|USDA|VA) | 17 | $6,295,000 | $370,294 | $8,948 | 4.37% |
| SPARTANBURG, SC (FHA|USDA|VA) | 31 | $6,105,000 | $196,935 | $5,236 | 4.65% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 38 | $6,090,000 | $160,263 | $0 | 7.03% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 34 | $4,950,000 | $145,588 | $0 | 7.91% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 29 | $4,745,000 | $163,621 | $4,502 | 4.37% |
| WILMINGTON, NC (FHA|USDA|VA) | 4 | $4,330,000 | $1,082,500 | $3,855 | 5.25% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 21 | $4,155,000 | $197,857 | $0 | 5.25% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 18 | $4,140,000 | $230,000 | $0 | 5.37% |
| Brevard, NC (FHA|USDA|VA) | 9 | $4,035,000 | $448,333 | $6,500 | 4.54% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 21 | $3,925,000 | $186,905 | $0 | 6.54% |
| BOISE CITY, ID (FHA|USDA|VA) | 21 | $3,645,000 | $173,571 | $0 | 5.63% |
| Cullowhee, NC (FHA|USDA|VA) | 10 | $3,640,000 | $364,000 | $8,458 | 4.97% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 17 | $3,595,000 | $211,471 | $0 | 6.48% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $3,410,000 | $1,705,000 | $4,814 | 6.22% |
| PROVO-OREM, UT (FHA|USDA|VA) | 12 | $3,280,000 | $273,333 | $0 | 5.51% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 11 | $3,055,000 | $277,727 | $4,325 | 6.20% |
| Morehead City, NC (FHA|USDA|VA) | 6 | $2,510,000 | $418,333 | $3,477 | 4.85% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 14 | $2,120,000 | $151,429 | $0 | 6.38% |
| COLUMBIA, SC (FHA|USDA|VA) | 7 | $1,995,000 | $285,000 | $4,180 | 5.12% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 19 | $1,975,000 | $103,947 | $3,793 | 4.82% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 12 | $1,910,000 | $159,167 | $4,224 | 6.06% |
| STOCKTON, CA (FHA|USDA|VA) | 13 | $1,785,000 | $137,308 | $0 | 6.80% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 6 | $1,750,000 | $291,667 | $0 | 6.41% |
| Seneca, SC (FHA|USDA|VA) | 4 | $1,710,000 | $427,500 | $3,557 | 3.19% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $9,160 | 4.18% |
| FRESNO, CA (FHA|USDA|VA) | 8 | $1,570,000 | $196,250 | $0 | 5.28% |
| RENO, NV (FHA|USDA|VA) | 8 | $1,540,000 | $192,500 | $0 | 6.56% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $1,460,000 | $730,000 | $0 | 3.63% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $1,430,000 | $238,333 | $2,845 | 4.79% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $0 | 5.64% |
| Boone, NC (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $7,396 | 4.47% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 6 | $1,330,000 | $221,667 | $0 | 7.32% |
| Outside of Metro Areas | 8 | $1,320,000 | $165,000 | $0 | 7.37% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $0 | 5.99% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $0 | 8.12% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 6 | $1,240,000 | $206,667 | $0 | 6.91% |
| BELLINGHAM, WA (FHA|USDA|VA) | 9 | $1,205,000 | $133,889 | $0 | 7.99% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $0 | 6.32% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $0 | 5.83% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $0 | 5.08% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 6 | $920,000 | $153,333 | $0 | 7.53% |
| YAKIMA, WA (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $0 | 8.74% |
| Gaffney, SC (FHA|USDA|VA) | 6 | $840,000 | $140,000 | $4,279 | 4.48% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $0 | 5.75% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $12,712 | 3.94% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $0 | 8.30% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 5 | $765,000 | $153,000 | $0 | 5.69% |
| Heber, UT (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $0 | 4.38% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $0 | 8.80% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 5 | $705,000 | $141,000 | $0 | 7.40% |
| SALEM, OR (FHA|USDA|VA) | 5 | $655,000 | $131,000 | $0 | 9.44% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $615,000 | $123,000 | $0 | 8.14% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $0 | 8.62% |
| Danville, VA (FHA|USDA|VA) | 5 | $545,000 | $109,000 | $3,255 | 5.33% |
| REDDING, CA (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $0 | 8.68% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $0 | 5.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 5 | $525,000 | $105,000 | $0 | 6.54% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 7.12% |
| Key West, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 5.75% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $0 | 6.66% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 4.74% |
| Oak Harbor, WA (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $0 | 7.41% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,328 | 5.88% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $8,975 | 4.75% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 3.50% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $0 | 5.66% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 3.99% |
| Port Angeles, WA (FHA|USDA|VA) | 4 | $390,000 | $97,500 | $0 | 9.24% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $0 | 6.33% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 3.75% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 5.00% |
| Martinsville, VA (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $0 | 5.25% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 5.75% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,446 | 4.99% |
| Ellensburg, WA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 6.49% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 8.37% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $0 | 5.41% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $0 | 9.57% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 7.25% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 5.25% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 5.37% |
| LYNCHBURG, VA (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $0 | 5.67% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 5.49% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 8.99% |
| Newport, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,186 | 4.13% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 8.99% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 7.74% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 4.00% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 9.99% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 7.99% |
| Sanford, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 5.70% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.99% |
| NAPA, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 9.99% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.74% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 9.49% |
| CHICO, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.74% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 9.24% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 6.75% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.75% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.74% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.99% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.74% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 9.12% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.99% |
| Hood River, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.99% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.24% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 8.99% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.00% |
| BEND, OR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.24% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 9.49% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.99% |
| Centralia, WA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 10.24% |
| MERCED, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.99% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.50% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.49% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.74% |
| MADERA, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.75% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.00% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.74% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.49% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.49% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.75% |
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Product Mix
For 2022, Hometrust Bank's most frequently originated type of loan was HELOC, with 1,623 originations. Their 2nd most popular type was Conventional, with 823 originations.
Loan Reason
For 2022, Hometrust Bank's most frequently cited loan purpose was Home Purchase, with 965 originations. The 2nd most popular reason was Other, with 687 originations.
Loan Duration/Length
For 2022, Hometrust Bank's most frequently cited loan duration was 30 Year, with 1,319 originations. The 2nd most popular length was Other, with 742 originations.
Origination Fees/Closing Costs
Hometrust Bank's average total fees were $3,994, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 272 originations.
Interest Rates
During 2022, Hometrust Bank's average interest rate for loans was 6.09%, while their most frequently originated rate bucket for loans was 3-4%, with 699 originations.
Loan Sizing
2022 saw Hometrust Bank place emphasis on $100k-200k loans with 717 originations, totaling $103,125,000 in origination value.
Applicant Income
Hometrust Bank lent most frequently to those with incomes in the $150k-250k range, with 581 originations. The second most popular income band? $250k+, with 551 originations.
Applicant Debt to Income Ratio
Hometrust Bank lent most frequently to those with DTI ratios of 30-36%, with 484 originations. The next most common DTI ratio? 20-30%, with 442 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications76.66%
Hometrust Bank has a below average approval rate.
Pick Rate
Approvals leading to origination86.49%
Hometrust Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,458 | $618,240,000 | $251,522 |