Hometrust Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
29th15.7% deniedPricingmedian rate spread over APOR, weight 30%
40th0.35 ptsProcesswithdrawn + incomplete share, weight 15%
3rd36.5%Closing coststotal loan costs ÷ loan amount, weight 10%
19th2.99% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,146 | 683 | 8.1% | 11.9% | 6.63% | $205M |
| 2024 | 999 | 609 | 6.3% | 9.4% | 6.75% | $204M |
| 2025 | 1,413 | 751 | 10.0% | 15.7% | 6.63% | $238M |
What Hometrust Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 5 manufactured homes, 62 investment properties.
Why Hometrust Mortgage denies applications
Primary reason reported for each of the 141 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Hometrust Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 128 | 37 | 48.0% |
| $50k – $100k | 476 | 267 | 15.2% |
| $100k – $150k | 341 | 198 | 11.6% |
| $150k – $250k | 273 | 154 | 8.8% |
| Over $250k | 179 | 95 | 11.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 130 | 70 | 15.7% |
| 25–34 | 407 | 228 | 14.4% |
| 35–44 | 314 | 162 | 15.2% |
| 45–54 | 225 | 108 | 20.0% |
| 55–64 | 195 | 99 | 16.7% |
| 65–74 | 98 | 57 | 14.7% |
| Over 74 | 41 | 27 | 10.0% |
Where Hometrust Mortgage lends
11 states and 124 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 952 | 525 | 9.6% | 6.63% | #173 |
| New Mexico | 269 | 156 | 7.4% | 6.50% | #66 |
| Mississippi | 110 | 36 | 18.2% | 6.63% | #123 |
| Alabama | 26 | 12 | 23.1% | 6.44% | #372 |
| Louisiana | 21 | 4 | 14.3% | 6.60% | #308 |
| Florida | 20 | 12 | 0.0% | 6.50% | #755 |
| Michigan | 9 | 4 | 0.0% | 6.69% | #530 |
Frequently asked questions
Hometrust Mortgage denied 15.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 29th percentile of small mortgage lenders.
The most common reason Hometrust Mortgage gave in 2025 was "credit history", cited on 60.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Hometrust Mortgage originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.35 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 90% of its applications were for home purchases, 10% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 55% conventional, 34% FHA, 7% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.