Hometrust Mortgage Company
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.
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
Promptness
Not enough data
—/5
No quote responses measured yet
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
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
407 loans · 0.40% above market
Sound
Top 60% of lenders
3/5
FHA
145 loans · 0.64% above market
Strong
Top 40% of lenders
4/5
VA
45 loans · 0.14% below market
Strong
Top 40% of lenders
4/5
Jumbo
10 loans · 0.08% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
575 loans · 0.41% above market
Strong
Top 40% of lenders
4/5
Refinance
33 loans · 0.52% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 7 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 407 | 66.9% | +0.398%Above | $3,705Fees | ||||
FHA Loans | 145 | 23.8% | +0.640%Above | $3,183Fees | ||||
VA Loans | 45 | 7.4% | -0.137%Below | $4,273Fees | ||||
Jumbo Loans | — | 10 | 1.6% | +0.081%Above | $3,785Fees |
Conventional
OverallSound
ProductSound
PricingMediocre
Pull ThroughSound
Volume407
Mix66.9%
Spread
+0.398%Above
Fees
$3,705Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume145
Mix23.8%
Spread
+0.640%Above
Fees
$3,183Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume45
Mix7.4%
Spread
-0.137%Below
Fees
$4,273Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull ThroughAcceptable
Volume10
Mix1.6%
Spread
+0.081%Above
Fees
$3,785Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 575 | 94.6% | +0.415%Above | $3,626Fees | ||||
Refinance | 33 | 5.4% | +0.521%Above | $3,559Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume575
Mix94.6%
Spread
+0.415%Above
Fees
$3,626Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
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
5Full-year 2024 · HMDALoans originated
< 200200+None
South3
ALFLTX
West2
CONM
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.
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.