Get & compare mortgage quotes anonymously Start in My Home
HM
Unclaimed

Hometrust Mortgage Company

Independent Mortgage Company•Houston, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Hometrust Mortgage Company — 608 loans across 986 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Regional · 6 mkts

Safe Rate Summary

What They Do Well

  • Particularly strong in FHA and VA loans

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Hometrust Mortgage Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+42.1 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 7 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume407
Mix66.9%
Spread
+0.398%Above
Fees
$3,705Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume145
Mix23.8%
Spread
+0.640%Above
Fees
$3,183Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume45
Mix7.4%
Spread
-0.137%Below
Fees
$4,273Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Acceptable
Volume10
Mix1.6%
Spread
+0.081%Above
Fees
$3,785Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume575
Mix94.6%
Spread
+0.415%Above
Fees
$3,626Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Acceptable
Volume33
Mix5.4%
Spread
+0.521%Above
Fees
$3,559Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
608
Applications
986
Volume
$203 million
Pricing & Closing
Avg Rate Spread
+0.421%
vs. market APOR
Avg Net Fees
$3,622
Origination − Credits
Pullthrough Rate
61.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$334,688
Avg Borrower Income
$160,204
Avg Property Value
$423,372

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

5
5 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South3
ALFLTX
West2
CONM

Top Metro Areas by Place Specialization Score

1© Ron Reiring · CC BY 2.0
Albuquerque, NMMetro
Volume 166Mix 27.30% of portfolio
81/100
Exceptional
2© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 231Mix 37.99% of portfolio
76/100
Strong
3© Fredlyfish4 · CC BY-SA 3.0
Lubbock, TXMetro
Volume 24Mix 3.95% of portfolio
54/100
Sound
4© Quintin Soloviev · CC BY 4.0
Austin, TXMetro
Volume 20Mix 3.29% of portfolio
49/100
Sound
5© Samuel Capps · Public domain
Amarillo, TXMetro
Volume 13Mix 2.14% of portfolio
46/100
Sound
6© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 14Mix 2.30% of portfolio
42/100
Sound

Top States by Place Specialization Score

New Mexico
New Mexico
1
New MexicoState
Volume 172Mix 28.29% of portfolio
78/100
Strong
Texas
Texas
2
TexasState
Volume 428Mix 70.39% of portfolio
76/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of Hometrust Mortgage Company?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.