Hometrust Mortgage Company Rates, Fees & Info
HOUSTON, TXLEI: 549300ZPJVCRRFETOG85
Tax ID: 76-0578435
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Mortgage Data
Review & Overview
Hometrust Mortgage Company is a small mortgage company specializing in Home Purchase and Refi loans. Hometrust Mortgage Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Houston, Austin, Albuquerque, Dallas, and San Antonio among others. We have data for 69 markets. (Some data included below & more in-depth data is available with an active subscription.)Hometrust Mortgage Company has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Hometrust Mortgage Company is typically an average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.68% | 4/21/24 |
| 30 Year Conventional Refi | 6.63% | 4/21/24 |
| 30 Year Cash-out Refi | 6.79% | 4/21/24 |
| 30 Year FHA Purchase | 7.57% | 4/21/24 |
| 30 Year FHA Refi | 7.49% | 4/21/24 |
| 30 Year VA Purchase | 6.41% | 4/21/24 |
| 30 Year VA Refi | 6.37% | 4/21/24 |
| 30 Year USDA Purchase | 6.85% | 4/21/24 |
| 15 Year Conventional Purchase | 6.05% | 4/21/24 |
| 15 Year Conventional Refi | 6.23% | 4/21/24 |
| 15 Year Cash-out Refi | 6.23% | 4/21/24 |
| 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 Mortgage Company Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,129Origination Dollar Volume (All Markets)
$1,043,955,000Awards
HOMETRUST MORTGAGE COMPANY - 2020
HOMETRUST MORTGAGE COMPANY is a 2020 , due to their low .
For 2020, 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 |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2,009 | $506,725,000 | $252,227 | $5,409 | 3.18% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 448 | $150,280,000 | $335,446 | $5,199 | 3.19% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 597 | $145,555,000 | $243,811 | $4,655 | 3.06% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 181 | $50,485,000 | $278,923 | $4,999 | 3.17% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 101 | $25,875,000 | $256,188 | $4,933 | 3.22% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 114 | $25,600,000 | $224,561 | $4,528 | 3.22% |
| LUBBOCK, TX (FHA|USDA|VA) | 117 | $24,865,000 | $212,521 | $5,335 | 3.13% |
| Dumas, TX (FHA|USDA|VA) | 110 | $17,230,000 | $156,636 | $5,212 | 3.43% |
| Outside of Metro Areas | 59 | $14,985,000 | $253,983 | $5,363 | 3.19% |
| Huntsville, TX (FHA|USDA|VA) | 52 | $12,380,000 | $238,077 | $4,852 | 3.20% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 68 | $12,330,000 | $181,324 | $4,037 | 3.07% |
| MOBILE, AL (FHA|USDA|VA) | 46 | $8,760,000 | $190,435 | $4,232 | 3.15% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 40 | $8,070,000 | $201,750 | $3,493 | 3.12% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 29 | $5,525,000 | $190,517 | $5,105 | 3.44% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 16 | $4,260,000 | $266,250 | $6,511 | 3.18% |
| AMARILLO, TX (FHA|USDA|VA) | 19 | $3,705,000 | $195,000 | $5,311 | 3.22% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 13 | $2,595,000 | $199,615 | $5,242 | 3.23% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 9 | $2,445,000 | $271,667 | $5,083 | 3.17% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 7 | $1,485,000 | $212,143 | $5,205 | 3.07% |
| Alexander City, AL (FHA|USDA|VA) | 8 | $1,290,000 | $161,250 | $4,263 | 3.55% |
| Los Alamos, NM (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $5,830 | 2.88% |
| SANTA FE, NM (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $3,566 | 2.88% |
| MIDLAND, TX (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $7,167 | 3.33% |
| WACO, TX (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $5,262 | 2.96% |
| Levelland, TX (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $3,500 | 2.98% |
| Granbury, TX (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $4,708 | 2.96% |
| Athens, TX (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $4,354 | 3.44% |
| TYLER, TX (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $4,651 | 3.22% |
| Uvalde, TX (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $4,375 | 3.21% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $4,805 | 3.25% |
| EL PASO, TX (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $4,406 | 4.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,666 | 3.06% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $5,282 | 3.13% |
| Brenham, TX (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $6,417 | 2.96% |
| Beeville, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,751 | 2.75% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,584 | 3.25% |
| Cullman, AL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $5,288 | 2.63% |
| Bay City, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,440 | 3.31% |
| El Campo, TX (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,971 | 3.25% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,573 | 3.50% |
| Taos, NM (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,426 | 3.19% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,850 | 3.25% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,019 | 3.13% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,581 | 2.50% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,476 | 3.13% |
| Silver City, NM (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,087 | 3.25% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,642 | 2.94% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,729 | 3.00% |
| Plainview, TX (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,799 | 3.44% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,220 | 2.63% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,560 | 3.50% |
| Gallup, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,324 | 2.50% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,795 | 3.00% |
| Durango, CO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,151 | 2.63% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,633 | 3.63% |
| Hereford, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,605 | 3.00% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,234 | 3.25% |
| Española, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,352 | 3.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,144 | 2.63% |
| Lamesa, TX (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,377 | 3.44% |
| Roswell, NM (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,434 | 4.25% |
| Grants, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,782 | 3.75% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,770 | 3.13% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,058 | 3.13% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,627 | 2.75% |
| Troy, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,697 | 4.00% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,597 | 3.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,508 | 3.50% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,547 | 4.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against HOMETRUST MORTGAGE COMPANY based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2020, Hometrust Mortgage Company's most frequently originated type of loan was Conventional, with 3,269 originations. Their 2nd most popular type was FHA, with 612 originations.
Loan Reason
For 2020, Hometrust Mortgage Company's most frequently cited loan purpose was Home Purchase, with 2,303 originations. The 2nd most popular reason was Refi, with 1,416 originations.
Loan Duration/Length
For 2020, Hometrust Mortgage Company's most frequently cited loan duration was 30 Year, with 3,486 originations. The 2nd most popular length was 15 Year, with 529 originations.
Origination Fees/Closing Costs
Hometrust Mortgage Company's average total fees were $5,320, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,223 originations.
Interest Rates
During 2020, Hometrust Mortgage Company's average interest rate for loans was 3.23%, while their most frequently originated rate bucket for loans was 3-4%, with 1,951 originations.
Loan Sizing
2020 saw Hometrust Mortgage Company place emphasis on $200k-400k loans with 2,207 originations, totaling $608,125,000 in origination value.
Applicant Income
Hometrust Mortgage Company lent most frequently to those with incomes in the $100k-150k range, with 994 originations. The second most popular income band? $50k-75k, with 902 originations.
Applicant Debt to Income Ratio
Hometrust Mortgage Company lent most frequently to those with DTI ratios of 20-30%, with 984 originations. The next most common DTI ratio? 30-36%, with 862 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.65%
Hometrust Mortgage Company has an average approval rate.
Pick Rate
Approvals leading to origination62.02%
Hometrust Mortgage Company has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,129 | $1,043,955,000 | $252,835 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 4,129 | $1,043,955,000 | $252,835 |