Hometrust Mortgage Company Mortgage Lending & HMDA Data, 2025
In 2025, Hometrust Mortgage Company of Houston, TX reported 1,415 mortgage applications totaling $447.8 million, up 42% from 2024. The average application was for $316,491, and applicants reported an average income of $159,353. 53% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (538), Albuquerque, NM (255) and Austin-Round Rock, TX (95) (applications in parentheses).
| Mortgage Company & Address | Hometrust Mortgage Company 5353 W Alabama, Suite 500 Houston, TX 77056 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,415 |
| Total Mortgage Loan Application Amount | $447,835,000 |
| Average Mortgage Loan Application Amount | $316,491 |
| Highest Mortgage Loan Application Amount | $2,975,000 |
| Average Applicant Income | $159,353 |
| Highest Applicant Income | $7,527,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hometrust Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Harris, Texas | 232 | $ 82,350,000 | $ 354,956 | $ 174,000 |
| Bernalillo, New Mexico | 192 | $ 59,830,000 | $ 311,614 | $ 155,000 |
| Galveston, Texas | 126 | $ 46,670,000 | $ 370,396 | $ 209,000 |
| Montgomery, Texas | 92 | $ 32,170,000 | $ 349,673 | $ 177,000 |
| Moore, Texas | 75 | $ 16,735,000 | $ 223,133 | $ 99,000 |
| Brazoria, Texas | 44 | $ 13,820,000 | $ 314,090 | $ 163,000 |
| Travis, Texas | 43 | $ 18,915,000 | $ 439,883 | $ 410,000 |
| Sandoval, New Mexico | 41 | $ 14,315,000 | $ 349,146 | $ 121,000 |
| Walker, Texas | 39 | $ 11,835,000 | $ 303,461 | $ 144,000 |
| Jones, Mississippi | 37 | $ 6,815,000 | $ 184,189 | $ 101,000 |
| Williamson, Texas | 33 | $ 11,615,000 | $ 351,969 | $ 148,000 |
| Fort Bend, Texas | 29 | $ 11,345,000 | $ 391,206 | $ 189,000 |
| Randall, Texas | 25 | $ 5,945,000 | $ 237,800 | $ 88,000 |
| Baldwin, Alabama | 23 | $ 5,885,000 | $ 255,869 | $ 74,000 |
| Forrest, Mississippi | 21 | $ 6,515,000 | $ 310,238 | $ 208,000 |
| Lamar, Mississippi | 18 | $ 4,460,000 | $ 247,777 | $ 99,000 |
| Valencia, New Mexico | 16 | $ 5,110,000 | $ 319,375 | $ 90,000 |
| Jefferson, Texas | 15 | $ 3,325,000 | $ 221,666 | $ 130,000 |
| Lubbock, Texas | 14 | $ 3,730,000 | $ 266,428 | $ 116,000 |
| Bell, Texas | 13 | $ 4,215,000 | $ 324,230 | $ 94,000 |
| Escambia, Florida | 12 | $ 4,710,000 | $ 392,500 | $ 118,000 |
| Hays, Texas | 12 | $ 5,540,000 | $ 461,666 | $ 277,000 |
| Harrison, Mississippi | 11 | $ 2,255,000 | $ 205,000 | $ 118,000 |
| Potter, Texas | 11 | $ 1,635,000 | $ 148,636 | $ 75,000 |
| Dallam, Texas | 8 | $ 1,250,000 | $ 156,250 | $ 152,000 |
| Hockley, Texas | 8 | $ 1,350,000 | $ 168,750 | $ 82,000 |
| San Jacinto, Texas | 8 | $ 3,440,000 | $ 430,000 | $ 225,000 |
| Santa Fe, New Mexico | 7 | $ 2,525,000 | $ 360,714 | $ 115,000 |
| Santa Rosa, Florida | 6 | $ 1,590,000 | $ 265,000 | $ 90,000 |
| Caddo, Louisiana | 6 | $ 910,000 | $ 151,666 | $ 187,000 |
| Torrance, New Mexico | 6 | $ 1,470,000 | $ 245,000 | $ 88,000 |
| Bastrop, Texas | 6 | $ 2,050,000 | $ 341,666 | $ 244,000 |
| Bexar, Texas | 6 | $ 1,550,000 | $ 258,333 | $ 128,000 |
| Brazos, Texas | 6 | $ 1,540,000 | $ 256,666 | $ 126,000 |
| St. John the Baptist, Louisiana | 5 | $ 805,000 | $ 161,000 | $ 78,000 |
| Grimes, Texas | 5 | $ 1,575,000 | $ 315,000 | $ 154,000 |
| Hardin, Texas | 5 | $ 825,000 | $ 165,000 | $ 72,000 |
| Hutchinson, Texas | 5 | $ 655,000 | $ 131,000 | $ 65,000 |
| Llano, Texas | 5 | $ 3,465,000 | $ 693,000 | $ 141,000 |
| McLennan, Texas | 5 | $ 2,635,000 | $ 527,000 | $ 226,000 |
| Wayne, Mississippi | 4 | $ 780,000 | $ 195,000 | $ 60,000 |
| Comal, Texas | 4 | $ 2,730,000 | $ 682,500 | $ 262,000 |
| Liberty, Texas | 4 | $ 1,670,000 | $ 417,500 | $ 159,000 |
| Milam, Texas | 4 | $ 2,190,000 | $ 547,500 | $ 132,000 |
| Robertson, Texas | 4 | $ 720,000 | $ 180,000 | $ 53,000 |
| Trinity, Texas | 4 | $ 610,000 | $ 152,500 | $ 111,000 |
| Mobile, Alabama | 3 | $ 575,000 | $ 191,666 | $ 59,000 |
| Oakland, Michigan | 3 | $ 775,000 | $ 258,333 | $ 78,000 |
| Wayne, Michigan | 3 | $ 725,000 | $ 241,666 | $ 121,000 |
| Clarke, Mississippi | 3 | $ 385,000 | $ 128,333 | $ 45,000 |
| San Miguel, New Mexico | 3 | $ 405,000 | $ 135,000 | $ 44,000 |
| Chambers, Texas | 3 | $ 815,000 | $ 271,666 | $ 127,000 |
| Fayette, Texas | 3 | $ 1,045,000 | $ 348,333 | $ 444,000 |
| Gray, Texas | 3 | $ 385,000 | $ 128,333 | $ 306,000 |
| Orange, Texas | 3 | $ 665,000 | $ 221,666 | $ 103,000 |
| Sherman, Texas | 3 | $ 295,000 | $ 98,333 | $ 54,000 |
| Tyler, Texas | 3 | $ 765,000 | $ 255,000 | $ 108,000 |
| Bossier, Louisiana | 2 | $ 670,000 | $ 335,000 | $ 102,000 |
| De Soto, Louisiana | 2 | $ 440,000 | $ 220,000 | $ 120,000 |
| Lincoln, Louisiana | 2 | $ 390,000 | $ 195,000 | $ 55,000 |
| Ouachita, Louisiana | 2 | $ 350,000 | $ 175,000 | $ 54,000 |
| Covington, Mississippi | 2 | $ 150,000 | $ 75,000 | $ 37,000 |
| Jackson, Mississippi | 2 | $ 360,000 | $ 180,000 | $ 128,000 |
| Jasper, Mississippi | 2 | $ 410,000 | $ 205,000 | $ 90,000 |
| Marion, Mississippi | 2 | $ 230,000 | $ 115,000 | $ 38,000 |
| Simpson, Mississippi | 2 | $ 130,000 | $ 65,000 | $ 42,000 |
| Dona Ana, New Mexico | 2 | $ 870,000 | $ 435,000 | $ 124,000 |
| Carson, Texas | 2 | $ 480,000 | $ 240,000 | $ 83,000 |
| Dallas, Texas | 2 | $ 650,000 | $ 325,000 | $ 65,000 |
| Jasper, Texas | 2 | $ 450,000 | $ 225,000 | $ 246,000 |
| Leon, Texas | 2 | $ 800,000 | $ 400,000 | $ 167,000 |
| Madison, Texas | 2 | $ 660,000 | $ 330,000 | $ 70,000 |
| Nacogdoches, Texas | 2 | $ 870,000 | $ 435,000 | $ 292,000 |
| Refugio, Texas | 2 | $ 160,000 | $ 80,000 | $ 48,000 |
| Rockwall, Texas | 2 | $ 870,000 | $ 435,000 | $ 146,000 |
| Tarrant, Texas | 2 | $ 500,000 | $ 250,000 | $ 76,000 |
| Pinal, Arizona | 1 | $ 555,000 | $ 555,000 | $ 135,000 |
| El Paso, Colorado | 1 | $ 315,000 | $ 315,000 | $ 60,000 |
| La Plata, Colorado | 1 | $ 555,000 | $ 555,000 | $ 145,000 |
| Brevard, Florida | 1 | $ 295,000 | $ 295,000 | $ 124,000 |
| Pinellas, Florida | 1 | $ 395,000 | $ 395,000 | $ 225,000 |
| Fulton, Georgia | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Hall, Georgia | 1 | $ 575,000 | $ 575,000 | $ 300,000 |
| Jefferson, Louisiana | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Red River, Louisiana | 1 | $ 15,000 | $ 15,000 | $ 68,000 |
| Livingston, Michigan | 1 | $ 295,000 | $ 295,000 | $ 175,000 |
| Macomb, Michigan | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Monroe, Michigan | 1 | $ 535,000 | $ 535,000 | $ 122,000 |
| George, Mississippi | 1 | $ 265,000 | $ 265,000 | $ 83,000 |
| Hancock, Mississippi | 1 | $ 355,000 | $ 355,000 | $ 154,000 |
| Lawrence, Mississippi | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Pike, Mississippi | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Rankin, Mississippi | 1 | $ 275,000 | $ 275,000 | $ 89,000 |
| Smith, Mississippi | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Colfax, New Mexico | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| San Juan, New Mexico | 1 | $ 205,000 | $ 205,000 | $ 118,000 |
| Cleveland, Oklahoma | 1 | $ 435,000 | $ 435,000 | $ 67,000 |
| Burleson, Texas | 1 | $ 175,000 | $ 175,000 | $ 129,000 |
| Caldwell, Texas | 1 | $ 225,000 | $ 225,000 | $ 54,000 |
| Cass, Texas | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| Castro, Texas | 1 | $ 295,000 | $ 295,000 | $ 85,000 |
| Collin, Texas | 1 | $ 665,000 | $ 665,000 | $ 263,000 |
| Colorado, Texas | 1 | $ 365,000 | $ 365,000 | $ 161,000 |
| Deaf Smith, Texas | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Denton, Texas | 1 | $ 325,000 | $ 325,000 | $ 185,000 |
| Ector, Texas | 1 | $ 215,000 | $ 215,000 | $ 46,000 |
| El Paso, Texas | 1 | $ 195,000 | $ 195,000 | $ 233,000 |
| Floyd, Texas | 1 | $ 255,000 | $ 255,000 | $ 85,000 |
| Guadalupe, Texas | 1 | $ 455,000 | $ 455,000 | $ 281,000 |
| Hale, Texas | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Hamilton, Texas | 1 | $ 385,000 | $ 385,000 | $ 323,000 |
| Hartley, Texas | 1 | $ 275,000 | $ 275,000 | $ 91,000 |
| Hood, Texas | 1 | $ 285,000 | $ 285,000 | $ 154,000 |
| Houston, Texas | 1 | $ 95,000 | $ 95,000 | $ 82,000 |
| Kendall, Texas | 1 | $ 805,000 | $ 805,000 | $ 363,000 |
| Lee, Texas | 1 | $ 425,000 | $ 425,000 | $ 251,000 |
| Navarro, Texas | 1 | $ 555,000 | $ 555,000 | $ 285,000 |
| Nueces, Texas | 1 | $ 1,435,000 | $ 1,435,000 | $ 2,120,000 |
| Parmer, Texas | 1 | $ 145,000 | $ 145,000 | $ 116,000 |
| Polk, Texas | 1 | $ 285,000 | $ 285,000 | $ 114,000 |
| Sabine, Texas | 1 | $ 725,000 | $ 725,000 | $ 122,000 |
| San Patricio, Texas | 1 | $ 235,000 | $ 235,000 | $ 51,000 |
| Stephens, Texas | 1 | $ 165,000 | $ 165,000 | $ 83,000 |
| Ward, Texas | 1 | $ 115,000 | $ 115,000 | $ 92,000 |
Mortgage Loan Application Detail Totals for Hometrust Mortgage Company in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,271 | $404,085,000 | $317,000 | $2,975,000 | $159,000 | $7,527,000 |
| Refinancing | 74 | $23,460,000 | $317,000 | $1,295,000 | $179,000 | $1,275,000 |
| Cash-out Refinancing | 70 | $20,290,000 | $289,000 | $1,505,000 | $145,000 | $678,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 796 | $269,690,000 | $338,000 | $1,745,000 | $178,000 | $3,013,000 |
| Hispanic | 325 | $89,075,000 | $274,000 | $1,205,000 | $117,000 | $1,275,000 |
| Black or African American | 133 | $32,905,000 | $247,000 | $2,975,000 | $150,000 | $7,527,000 |
| Not Provided | 113 | $40,855,000 | $361,000 | $2,205,000 | $171,000 | $1,005,000 |
| Asian | 32 | $10,980,000 | $343,000 | $985,000 | $185,000 | $669,000 |
| American Indian or Alaskan Native | 13 | $3,775,000 | $290,000 | $625,000 | $96,000 | $230,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $555,000 | $185,000 | $225,000 | $79,000 | $90,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 772 | $280,390,000 | $363,000 | $2,975,000 | $206,000 | $7,527,000 |
| FHA-insured (Federal Housing Administration) | 481 | $122,215,000 | $254,000 | $665,000 | $101,000 | $836,000 |
| VA-guaranteed (Veterans Administration) | 94 | $33,890,000 | $360,000 | $1,035,000 | $122,000 | $688,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 68 | $11,340,000 | $166,000 | $425,000 | $103,000 | $2,124,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 751 | $238,185,000 | $317,000 | $1,505,000 | $152,000 | $2,120,000 |
| Application Withdrawn By Applicant | 396 | $135,440,000 | $342,000 | $2,975,000 | $161,000 | $1,761,000 |
| Application Denied By Financial Institution | 141 | $36,785,000 | $260,000 | $1,505,000 | $184,000 | $7,527,000 |
| File Closed For Incompleteness | 120 | $36,030,000 | $300,000 | $965,000 | $183,000 | $3,013,000 |
| Application Approved But Not Accepted | 5 | $915,000 | $183,000 | $255,000 | $96,000 | $206,000 |
| Preapproval Denied by Financial Institution | 2 | $480,000 | $240,000 | $275,000 | $73,000 | $75,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,272 | $410,570,000 | $322,000 | $2,975,000 | $157,000 | $3,013,000 |
| Credit History | 86 | $17,940,000 | $208,000 | $725,000 | $200,000 | $7,527,000 |
| Debt-To-Income Ratio | 32 | $11,060,000 | $345,000 | $1,505,000 | $89,000 | $369,000 |
| Collateral | 8 | $2,880,000 | $360,000 | $1,495,000 | $323,000 | $2,120,000 |
| Other | 7 | $2,135,000 | $305,000 | $555,000 | $265,000 | $836,000 |
| Credit Application Incomplete | 4 | $1,130,000 | $282,000 | $495,000 | $234,000 | $379,000 |
| Unverifiable Information | 3 | $1,305,000 | $435,000 | $805,000 | $119,000 | $220,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $620,000 | $310,000 | $395,000 | $140,000 | $180,000 |
| Employment History | 1 | $195,000 | $195,000 | $195,000 | $18,000 | $18,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hometrust Mortgage Company's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Hometrust Mortgage Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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