HomeTrust Bank
1,925 mortgages originated in 2025 across 7 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,925
- Median rate
- 7.500%
- Median lender fees
- $4,239
- Median loan amount
- $305,000
- Median spread over APOR
- 0.510
- Paid discount points
- 7.5%
- Received lender credits
- 19.2%
- Purchases / refinances
- 28.8% / 23.2%
- Conventional / FHA / VA
- 99.7% / 0% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 28.3% of loans here — see methodology.
Where HomeTrust Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| North Carolina | 880 | $4,343 | 7.000% |
| California | 506 | — | 8.250% |
| Tennessee | 123 | — | 7.500% |
| Washington | 69 | — | 8.500% |
| Virginia | 66 | — | 7.500% |
| Florida | 59 | — | 8.250% |
| South Carolina | 56 | — | 6.912% |