Hometrust Mortgage Company mortgage approval rate & lending review
Hometrust Mortgage Company decided 1,863 mortgage applications and funded 1,649 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Hometrust Mortgage Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to hometrustmortgage.com.
Hometrust Mortgage Company at a glance
Approval is 2.3 points above the 86.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 1,499 / 1,664 | 100% | $305K | 1,493 |
| Cash-out refinance | 84% | 43 / 51 | 98% | $245K | 42 |
| Refinance | 63% | 32 / 51 | 100% | $245K | 32 |
| Investment property purchase | 86% | 70 / 81 | 100% | $225K | 70 |
Hometrust Mortgage Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 89% | $295K | 1,203 | 1,066 |
| New Mexico | 90% | $305K | 498 | 443 |
| Alabama | 82% | $265K | 91 | 74 |
| Florida | 94% | $225K | 52 | 49 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Hometrust Mortgage Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bernalillo County, NM | Mortgage lenders | 91% | 326 | 294 |
| Galveston County, TX | Mortgage lenders | 90% | 179 | 162 |
| Sandoval County, NM | Mortgage lenders | 89% | 105 | 92 |
| Lubbock County, TX | Mortgage lenders | 96% | 46 | 44 |
| Baldwin County, AL | Mortgage lenders | 84% | 51 | 42 |
| Randall County, TX | Mortgage lenders | 81% | 36 | 29 |
| Bernalillo County, NM | Investment property purchase | 95% | 20 | 19 |
The county markets where Hometrust Mortgage Company made the most loans. Each link opens that market with every lender ranked.
Questions about Hometrust Mortgage Company
What is Hometrust Mortgage Company's mortgage approval rate?
Hometrust Mortgage Company approved 88.9% of the 1,863 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.3 points above the 86.7% national rate for the same mix of loan types.
How often do borrowers take the loan Hometrust Mortgage Company offers?
Borrowers accepted 100% of the loans Hometrust Mortgage Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Hometrust Mortgage Company make?
The typical home purchase mortgage loan Hometrust Mortgage Company made was $305K; across all loan types its typical loan ran from $225K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Hometrust Mortgage Company lend?
Hometrust Mortgage Company decided applications in 10 of the states Fat Boy Data covers, most of them in Texas, New Mexico and Alabama.
Can I apply to Hometrust Mortgage Company directly?
Yes. Hometrust Mortgage Company reports as a direct lender that takes applications from borrowers. Its website is hometrustmortgage.com.
Does this page show Hometrust Mortgage Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Hometrust Mortgage Company treats applications, then get a rate quote from the lender.