# HomeTrust Bank

> **Canonical URL:** https://saferate.com/lenders/hometrust-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


HomeTrust Bank is a bank, headquartered in Asheville, NC, serving borrowers across 6 states, with 380 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 20% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 33% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300COIWXM618UBE82
- **Headquarters:** Asheville, NC
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** FL, GA, NC, SC, TN, VA
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 80/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.050%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,165
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 380
- **Dollar Volume:** $130 million
- **Applications Received:** 538
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $343,342
- **Average Borrower Income:** $142,055
- **Average Property Value:** $534,711

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 368 | +0.044% | $1,181 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 325 loans, Score: 65/100 (Strong)
- Refinance: 43 loans, Score: 55/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 336 | $115M | +0.060% | Strong 😀 |
| Refinance | 54/100 | 44 | $15M | +0.001% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NC | 330 | 0.22% | 75/100 |
| SC | 31 | 0.04% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Asheville, NC | NC | 145 | 94/100 |
| Non |  | 110 | 57/100 |
| Charlotte | NC-SC | 39 | 59/100 |
| Greenville | SC | 17 | 50/100 |
| Raleigh | NC | 17 | 49/100 |
| Greensboro | NC | 12 | 47/100 |

## Where This Lender Ranks

HomeTrust Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Asheville, NC Banks
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/banks)
- 🥇 **#1** in Asheville, NC for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Asheville, NC
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders)
- 🥈 **#2** in Asheville, NC for Conventional Loans
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in North Carolina for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in North Carolina for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#10** in North Carolina for Conventional Loans
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in North Carolina Banks
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/banks)
- 🏆 **#17** in North Carolina
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does HomeTrust Bank offer?

HomeTrust Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HomeTrust Bank offer mortgages?

HomeTrust Bank offers mortgages in 6 states: FL, GA, NC, SC, TN, VA.

### How competitive are HomeTrust Bank's mortgage rates?

HomeTrust Bank has a pricing score of 80/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.050% above market average.

### What type of lender is HomeTrust Bank?

HomeTrust Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Asheville, NC.

### What is HomeTrust Bank's loan approval success rate?

HomeTrust Bank has a pull-through score of 67/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/hometrust-bank

### How to Cite

> "HomeTrust Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/hometrust-bank

---

**[View Interactive Profile →](https://saferate.com/lenders/hometrust-bank)**