# HOMETRUST MORTGAGE COMPANY

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


> **📋 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 MORTGAGE COMPANY is a independent mortgage company, headquartered in HOUSTON, TX, serving borrowers across 5 states, with 608 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 79% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300ZPJVCRRFETOG85
- **Headquarters:** HOUSTON, TX
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AL, CO, FL, NM, TX
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.421%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,622
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 608
- **Dollar Volume:** $203 million
- **Applications Received:** 986
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $334,688
- **Average Borrower Income:** $160,204
- **Average Property Value:** $423,372

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 59/100 | 407 | +0.398% | $3,705 | Sound ☺️ |
| FHA | 68/100 | 145 | +0.640% | $3,183 | Strong 😀 |
| VA | 67/100 | 45 | -0.137% | $4,273 | Strong 😀 |
| Jumbo | 58/100 | 10 | +0.081% | $3,785 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 379 loans, Score: 60/100 (Strong)
- Refinance: 28 loans, Score: 36/100 (Acceptable)

**FHA:**
- Purchase: 144 loans, Score: 68/100 (Strong)

**VA:**
- Purchase: 42 loans, Score: 67/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 575 | $191M | +0.415% | Strong 😀 |
| Refinance | 36/100 | 33 | $12M | +0.521% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 428 | 0.12% | 76/100 |
| NM | 172 | 0.84% | 78/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 231 | 76/100 |
| Albuquerque, NM | NM | 166 | 81/100 |
| Non |  | 98 | 53/100 |
| Lubbock, TX | TX | 24 | 54/100 |
| Austin | TX | 20 | 49/100 |
| Dallas | TX | 14 | 42/100 |
| Amarillo, TX | TX | 13 | 46/100 |

## Where This Lender Ranks

HOMETRUST MORTGAGE COMPANY appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#12** in Amarillo, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#15** in Lubbock, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/mortgage-companies)
- 🏆 **#17** in Albuquerque, NM Mortgage Companies
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/mortgage-companies)
- 🏆 **#18** in Albuquerque, NM for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#18** in Amarillo, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/amarillo-tx/best-mortgage-lenders/fha-loans)
- 🏆 **#20** in Lubbock, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does HOMETRUST MORTGAGE COMPANY offer?

HOMETRUST MORTGAGE COMPANY offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HOMETRUST MORTGAGE COMPANY offer mortgages?

HOMETRUST MORTGAGE COMPANY offers mortgages in 5 states: AL, CO, FL, NM, TX.

### How competitive are HOMETRUST MORTGAGE COMPANY's mortgage rates?

HOMETRUST MORTGAGE COMPANY has a pricing score of 21/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.421% above market average.

### What type of lender is HOMETRUST MORTGAGE COMPANY?

HOMETRUST MORTGAGE COMPANY is a non-depository lender that specializes in mortgage origination, headquartered in HOUSTON, TX.

### What is HOMETRUST MORTGAGE COMPANY's loan approval success rate?

HOMETRUST MORTGAGE COMPANY has a pull-through score of 55/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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-mortgage

### How to Cite

> "HOMETRUST MORTGAGE COMPANY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/hometrust-mortgage

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