Home Trust Financial

What Home Trust Financial does

Home Trust Financial is a privately held residential mortgage lender operating as a DBA of Adcom Group Inc (NMLS# 1761573), headquartered in Kirkland, Washington. The company originates home purchase and refinance mortgages for individual consumers and families, offering a full product suite that spans fixed-rate loans (10/15/20/25/30-year terms), adjustable-rate mortgages (3/1, 5/1, 7/1), FHA loans (3.5% minimum down, 620+ credit), and VA loans (up to 100% financing, no PMI). It is licensed in 10 U.S. states (AL, AZ, CA, CO, FL, ID, MI, OR, TX, WA) and operates branch offices in Kirkland (HQ), Lynnwood, WA, and Boise, ID. The company's central commercial proposition is multi-lender aggregation: rather than acting as a single-product lender, it shops rates and programs across multiple wholesale lenders on behalf of each borrower.

The technology stack is a conventional mortgage origination platform — a website with online rate calculators (monthly payment, bi-weekly, affordability, amortization, refinance), a multi-lender rate comparison and live rate-quoting engine, and a three-tier application suite (3-step short application, full Form 1003 application hosted on adcomgroup.my1003app.com, and a downloadable PDF application). Distribution is hybrid and sales-led: inside sales via a 1-800 number, field-based loan officers in branches, and self-service digital application, supplemented by SEO-optimized educational content and loan-officer-driven referrals. Revenue is generated entirely on a transaction basis through three streams: loan origination fees (frequently 0% per disclosed closing-cost sheets), discount points ranging from -0.875% to +2.875% of loan amount, and the interest-rate spread between wholesale and retail rates. The company has no disclosed subscription or recurring revenue component.

The firm is led by President and Sr. Loan Originator Richard Scott Hunt (15 years in the industry), supported by an experienced bench of senior originators and branch managers (Paul Arrington, 24 years; Randy Szabo, 22+ years; Curtis Ferguson, 20+ years). It has earned regional recognition including Seattle Magazine "Best Of Seattle" for seven consecutive years and Scotsman Guide VA loan volume rankings (#1 in Washington and #10 nationally in 2020; #2 in Washington and #25 nationally in 2019). Customer acquisition leans on content marketing, organic search, customer testimonials, and a referral motion driven by individual loan officer relationships and real estate agent partnerships.

Name

Home Trust Financial

Legal name

Adcom Group Inc

Website

https://hometrustloans.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Home Trust Financial is a Kirkland, Washington-based residential mortgage lender (DBA of Adcom Group Inc, NMLS# 1761573) that originates home purchase and refinance loans for individual borrowers across 10 U.S. states, using a multi-lender aggregation model with both field loan officers and a digital application platform.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Government Mortgage Insurance & Guarantees (FHA/VA/USDA and equivalents) (FSALAJAC), Home Equity Loan & HELOC Intermediation (FSAEAEAD)

Keywords

• Residential mortgage lending
• Home purchase loans
• Mortgage refinance services
• VA loan lending
• FHA loan lending

Headquarters

HQ city

Kirkland

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Mortgage Origination Fees: Revenue generated from loan origination fees charged at closing. Origination fees are typically 0% based on detailed closing cost sheets shown.
2. Loan Discount Points: One-time payments at closing where borrowers pay upfront points (percentage of loan amount) to obtain lower interest rates. Points ranged from -0.875% to 2.875% in sample rates shown.
3. Interest Rate Spread: Margin between wholesale rates obtained from lenders and rates offered to borrowers on mortgage loans.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Home Trust Financial is a residential mortgage lender that originates fixed-rate, adjustable-rate, FHA, and VA home purchase and refinance loans for individual consumers. Operating as a DBA of Adcom Group Inc, the company works with multiple wholesale lenders to source competitive rates and program options for borrowers, and supports the full lifecycle from application and pre-approval through underwriting and closing with dedicated loan consultants and digital self-service tools.

Product overview

Home Trust Financial operates as a mortgage lending platform offering a comprehensive suite of residential mortgage products. The core offerings include Fixed Rate Loans (10, 15, 20, 25, and 30-year terms) and Adjustable Rate Mortgages (3/1, 5/1, 7/1 configurations), supplemented by government-backed products including FHA Loans and VA Loans. The platform provides digital tools including mortgage calculators (monthly payment, bi-weekly, affordability, amortization, and refinance) and online application options (short form, full 1003 application, and downloadable forms). Additional services include refinancing options (rate/term and cash-out), and pre-approval letters. The company works with multiple wholesale lenders to provide competitive pricing and custom loan scenarios for borrowers.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed Rate Loans Fixed rate mortgage products with 10, 15, 20, 25, and 30-year terms that lock in a low interest rate for the life of the loan with constant monthly payments, targeted at individual residential borrowers.
• Adjustable Rate Loans (ARM) Adjustable rate mortgages with 3/1, 5/1, and 7/1 configurations where the rate is fixed for the initial period (3, 5, or 7 years) and adjusts annually thereafter; suited to borrowers planning short-term stays or expecting income increases.
• FHA Loans Federal Housing Administration insured loans allowing purchases with as little as 3.5% down payment, requiring a minimum credit score of 620, and permitting gift funds toward closing costs.
• VA Loans Veterans Affairs backed loans offering up to 100% financing with no down payment required, competitive interest rates, no PMI, and streamlined refinancing options for qualified military borrowers.
• Mortgage Refinance Refinancing services including rate/term refinances and cash-out refinances, helping borrowers lower monthly payments, access home equity, consolidate debt, or pay off mortgages faster.
• Short Application Online short-form loan application allowing borrowers to provide basic information and receive a detailed rate and terms information sheet with no obligation.
• Full 1003 Application Complete mortgage application (Form 1003) requiring user registration with username and password, typically used when instructed by a loan consultant.
• Download Application Printable full mortgage application form that can be downloaded and mailed or faxed to the company.
• Pre-Approval Letter Pre-approval letters provided to borrowers who are approved, enabling them to submit offers on homes with verified financing capability.
• FlexClose Certification Flexible closing solution program offered in partnership with First Funding USA that provides flexible closing options for borrowers.

Quantifiable outcome

• Ranked #1 in Washington and #10 nationally for VA loan volume in 2020
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• First Funding USAminorStrategic or Co-development PartnerHome Trust Financial offers FlexClose certification through First Funding USA, a lending program that provides flexible closing solutions for borrowers.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• United Wholesale Mortgage (UWM):
• Rocket Mortgage: Largest US mortgage lender by volume and a publicly-traded parent (Rocket Companies). Operates a fully integrated direct-to-consumer and partner-channel model. A broad incumbent offering the same residential mortgage products (FHA, VA, conventional, refi) but at vastly greater scale.

Market position

Strengths5 records

Weaknesses2 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/HomeTrustWA
• Facebookfacebook.com/hometrustfinancial
• LinkedInlinkedin.com/company/hometrustfinancial

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Home Trust Financial