Purchase Originations
378
Median Total Costs
$4,439
−33.5% vs national ($6,680)
↑ $554 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,200
Median Lender Credits
$87
Denial Rate
9.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 373 | 6.500% | $4,421 | $1,200 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 333 | 6.500% | $4,519 | #75 |
| South Carolina | 25 | 6.375% | $3,855 | — |
| Tennessee | 11 | 6.375% | $4,027 | — |
| Virginia | 8 | 6.375% | $3,613 | — |
| Georgia | 1 | 6.250% | $12,110 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $981 | 2.000% | — | 15 | −$3,458 | |
| 2 | $2,275 | 2.000% | — | 12 | −$2,164 | |
| 3 | $3,479 | 6.375% | — | 5 | −$960 | |
| 4 | $3,562 | 6.375% | — | 3 | −$877 | |
| 5 | $3,621 | 6.312% | — | 10 | −$818 | |
| 6 | $3,794 | 6.438% | — | 8 | −$645 | |
| 7 | $3,892 | 6.312% | — | 4 | −$547 | |
| 8 | $3,898 | 6.375% | — | 3 | −$541 | |
| 9 | $3,928 | 6.250% | — | 8 | −$511 | |
| 10 | $4,123 | 6.875% | — | 16 | −$316 | |
| 11 | $4,432 | 6.625% | — | 111 | −$7 | |
| 12 | $4,480 | 6.375% | — | 20 | +$41 | |
| 13 | $4,550 | 6.500% | — | 43 | +$111 | |
| 14 | $4,640 | 6.750% | — | 5 | +$201 | |
| 15 | $4,776 | 6.375% | — | 9 | +$337 | |
| 16 | $4,991 | 6.500% | — | 43 | +$552 | |
| 17 | $6,276 | 6.688% | — | 6 | +$1,837 | |
| 18 | $7,233 | 7.000% | — | 4 | +$2,794 | |
| 19 | $7,724 | 6.875% | — | 5 | +$3,285 | |
| 20 | $9,793 | 7.000% | — | 6 | +$5,354 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | HomeTrust Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $4,439 | $7,127 | −$2,688 (−37.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.