HomeTrust Bank closing costs and rates (2024)
In 2024, HomeTrust Bank originated 327 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $3,885. That is $2,856 below the national median of $6,741. HomeTrust Bank is most active in North Carolina with 284 originations there.
Purchase Originations
327
Median Total Costs
$3,885
−42.4% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$999
Median Lender Credits
$48
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 322 | 6.625% | $3,881 | $999 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 284 | 6.625% | $3,897 | #81 |
| South Carolina | 26 | 6.625% | $3,662 | — |
| Virginia | 7 | 6.000% | $3,765 | — |
| Tennessee | 5 | 6.500% | $3,786 | — |
| Georgia | 4 | 7.625% | $10,050 | — |
| Florida | 1 | 6.625% | $6,683 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $987 | 2.000% | — | 29 | −$2,898 | |
| 2 | $1,579 | 2.000% | — | 16 | −$2,306 | |
| 3 | $3,388 | 6.438% | — | 8 | −$497 | |
| 4 | $3,588 | 6.625% | — | 6 | −$297 | |
| 5 | $3,711 | 6.188% | — | 12 | −$174 | |
| 6 | $3,726 | 6.875% | — | 3 | −$159 | |
| 7 | $3,785 | 7.000% | — | 2 | −$100 | |
| 8 | $3,859 | 6.562% | — | 2 | −$26 | |
| 9 | $3,909 | 6.500% | — | 14 | +$24 | |
| 10 | $3,934 | 6.562% | — | 10 | +$49 | |
| 11 | $4,144 | 6.875% | — | 33 | +$259 | |
| 12 | $4,193 | 6.750% | — | 91 | +$308 | |
| 13 | $4,213 | 6.375% | — | 10 | +$328 | |
| 14 | $4,769 | 5.562% | — | 2 | +$884 | |
| 15 | $5,794 | 8.062% | — | 26 | +$1,909 | |
| 16 | $6,003 | 6.188% | — | 4 | +$2,118 | |
| 17 | $6,052 | 8.250% | — | 3 | +$2,167 | |
| 18 | $6,556 | 7.125% | — | 4 | +$2,671 | |
| 19 | $7,382 | 8.250% | — | 8 | +$3,497 | |
| 20 | $7,652 | 7.000% | — | 7 | +$3,767 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.