Hometrust Mortgage Company Mortgage Lending & HMDA Data, 2023
In 2023, Hometrust Mortgage Company of Houston, TX reported 1,165 mortgage applications totaling $372.0 million, down 39% from 2022. The average application was for $319,309, and applicants reported an average income of $138,956. 59% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (442), Albuquerque, NM (213) and Pensacola-Ferry Pass-Brent, FL (54) (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 | 1,165 |
| Total Mortgage Loan Application Amount | $371,995,000 |
| Average Mortgage Loan Application Amount | $319,309 |
| Highest Mortgage Loan Application Amount | $12,105,000 |
| Average Applicant Income | $138,956 |
| Highest Applicant Income | $1,718,000 |
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records Hometrust Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Hometrust Mortgage Company in 2023
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 | 1,092 | $350,120,000 | $320,000 | $12,105,000 | $139,000 | $1,718,000 |
| Cash-out Refinancing | 39 | $10,615,000 | $272,000 | $1,105,000 | $125,000 | $408,000 |
| Refinancing | 33 | $11,075,000 | $335,000 | $1,595,000 | $154,000 | $702,000 |
| Not Applicable | 1 | $185,000 | $185,000 | $185,000 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 | 719 | $242,075,000 | $336,000 | $12,105,000 | $151,000 | $1,718,000 |
| Hispanic | 257 | $69,065,000 | $268,000 | $1,205,000 | $115,000 | $702,000 |
| Not Provided | 88 | $29,620,000 | $336,000 | $2,055,000 | $124,000 | $723,000 |
| Black or African American | 54 | $13,670,000 | $253,000 | $465,000 | $102,000 | $970,000 |
| Asian | 28 | $11,560,000 | $412,000 | $1,595,000 | $175,000 | $559,000 |
| American Indian or Alaskan Native | 16 | $5,040,000 | $315,000 | $645,000 | $120,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $395,000 | $395,000 | $395,000 | $97,000 | $97,000 |
| Not applicable | 1 | $185,000 | $185,000 | $185,000 | $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) | 713 | $247,005,000 | $346,000 | $12,105,000 | $164,000 | $1,718,000 |
| FHA-insured (Federal Housing Administration) | 351 | $90,785,000 | $258,000 | $585,000 | $96,000 | $424,000 |
| VA-guaranteed (Veterans Administration) | 95 | $32,965,000 | $347,000 | $1,035,000 | $114,000 | $350,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,240,000 | $206,000 | $265,000 | $76,000 | $82,000 |
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 | 683 | $205,105,000 | $300,000 | $1,005,000 | $140,000 | $1,718,000 |
| Application Withdrawn By Applicant | 307 | $117,915,000 | $384,000 | $12,105,000 | $152,000 | $1,290,000 |
| Application Denied By Financial Institution | 93 | $27,095,000 | $291,000 | $1,785,000 | $109,000 | $1,357,000 |
| File Closed For Incompleteness | 58 | $16,140,000 | $278,000 | $1,105,000 | $123,000 | $408,000 |
| Preapproval Denied by Financial Institution | 15 | $3,545,000 | $236,000 | $435,000 | $83,000 | $140,000 |
| Application Approved But Not Accepted | 5 | $1,275,000 | $255,000 | $475,000 | $126,000 | $180,000 |
| Preapproval Approved but not Accepted | 3 | $735,000 | $245,000 | $265,000 | $116,000 | $146,000 |
| Loan Purchased By The Institution | 1 | $185,000 | $185,000 | $185,000 | $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 | 1,057 | $341,355,000 | $322,000 | $12,105,000 | $142,000 | $1,718,000 |
| Credit History | 52 | $12,580,000 | $241,000 | $535,000 | $100,000 | $702,000 |
| Debt-To-Income Ratio | 35 | $9,915,000 | $283,000 | $655,000 | $67,000 | $176,000 |
| Collateral | 7 | $3,565,000 | $509,000 | $1,785,000 | $307,000 | $1,357,000 |
| Other | 5 | $1,055,000 | $211,000 | $455,000 | $84,000 | $133,000 |
| Employment History | 5 | $1,175,000 | $235,000 | $305,000 | $69,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $590,000 | $295,000 | $325,000 | $102,000 | $105,000 |
| Unverifiable Information | 2 | $1,760,000 | $880,000 | $1,595,000 | $339,000 | $559,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hometrust Mortgage Company's 2023 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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