Hometrust Bank N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
Hometrust Bank N.A. 2014 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Hometrust Bank N.A. P O Box 10 Asheville, NC 28804 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,413 |
| Total Mortgage Loan Application Amount | $279,247,000 |
| Average Mortgage Loan Application Amount | $179,333 |
| Highest Mortgage Loan Application Amount | $5,861,000 |
| Average Applicant Income | $88,333 |
| Highest Applicant Income | $1,339,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 with Hometrust Bank N.A.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Hometrust Bank N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2014 breaks down Hometrust Bank N.A.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Hometrust Bank N.A. serves its applicants.
Each category highlights the total number of mortgage applications processed by Hometrust Bank N.A., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Hometrust Bank N.A.'s mortgage activity for 2014.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Buncombe County North Carolina | 544 | $ 123,154,000 | $ 226,000 | $ 103,000 |
| Henderson County North Carolina | 176 | $ 32,123,000 | $ 182,000 | $ 78,000 |
| Haywood County North Carolina | 129 | $ 21,184,000 | $ 164,000 | $ 99,000 |
| Cleveland County North Carolina | 105 | $ 13,232,000 | $ 126,000 | $ 68,000 |
| Polk County North Carolina | 74 | $ 12,728,000 | $ 172,000 | $ 89,000 |
| Rockingham County North Carolina | 51 | $ 6,134,000 | $ 120,000 | $ 67,000 |
| Rutherford County North Carolina | 41 | $ 7,849,000 | $ 191,000 | $ 93,000 |
| Davidson County North Carolina | 40 | $ 5,486,000 | $ 137,000 | $ 67,000 |
| Madison County North Carolina | 33 | $ 6,681,000 | $ 202,000 | $ 83,000 |
| Gaston County North Carolina | 24 | $ 2,989,000 | $ 124,000 | $ 73,000 |
| Greenville County South Carolina | 23 | $ 4,859,000 | $ 211,000 | $ 85,000 |
| Spartanburg County South Carolina | 22 | $ 4,349,000 | $ 197,000 | $ 103,000 |
| McDowell County North Carolina | 11 | $ 2,397,000 | $ 217,000 | $ 148,000 |
| Sullivan County Tennessee | 11 | $ 7,469,000 | $ 679,000 | $ 87,000 |
| Jackson County North Carolina | 10 | $ 2,451,000 | $ 245,000 | $ 119,000 |
| Mecklenburg County North Carolina | 9 | $ 1,579,000 | $ 175,000 | $ 94,000 |
| Transylvania County North Carolina | 9 | $ 2,928,000 | $ 325,000 | $ 58,000 |
| Washington County Tennessee | 8 | $ 1,949,000 | $ 243,000 | $ 131,000 |
| Knox County Tennessee | 7 | $ 1,220,000 | $ 174,000 | $ 86,000 |
| Roanoke City County Virginia | 7 | $ 2,460,000 | $ 351,000 | $ 0 |
| Yancey County North Carolina | 5 | $ 1,121,000 | $ 224,000 | $ 52,000 |
| Hamblen County Tennessee | 5 | $ 378,000 | $ 75,000 | $ 11,000 |
| Lincoln County North Carolina | 4 | $ 426,000 | $ 106,000 | $ 60,000 |
| Davie County North Carolina | 3 | $ 615,000 | $ 205,000 | $ 126,000 |
| Guilford County North Carolina | 3 | $ 762,000 | $ 254,000 | $ 182,000 |
| Macon County North Carolina | 3 | $ 443,000 | $ 147,000 | $ 53,000 |
| Brunswick County North Carolina | 2 | $ 326,000 | $ 163,000 | $ 78,000 |
| Catawba County North Carolina | 2 | $ 171,000 | $ 85,000 | $ 120,000 |
| Forsyth County North Carolina | 2 | $ 163,000 | $ 81,000 | $ 49,000 |
| Iredell County North Carolina | 2 | $ 502,000 | $ 251,000 | $ 137,000 |
| Montgomery County North Carolina | 2 | $ 547,000 | $ 273,000 | $ 313,000 |
| Swain County North Carolina | 2 | $ 346,000 | $ 173,000 | $ 53,000 |
| Wake County North Carolina | 2 | $ 286,000 | $ 143,000 | $ 73,000 |
| Beaufort County South Carolina | 2 | $ 250,000 | $ 125,000 | $ 108,000 |
| Oconee County South Carolina | 2 | $ 582,000 | $ 291,000 | $ 553,000 |
| Jefferson County Tennessee | 2 | $ 545,000 | $ 272,000 | $ 67,000 |
| St. Tammany County Louisiana | 1 | $ 120,000 | $ 120,000 | $ 73,000 |
| Alamance County North Carolina | 1 | $ 317,000 | $ 317,000 | $ 116,000 |
| Burke County North Carolina | 1 | $ 170,000 | $ 170,000 | $ 35,000 |
| Cabarrus County North Carolina | 1 | $ 106,000 | $ 106,000 | $ 89,000 |
| Caldwell County North Carolina | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Currituck County North Carolina | 1 | $ 242,000 | $ 242,000 | $ 146,000 |
| Mitchell County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 163,000 |
| Rowan County North Carolina | 1 | $ 39,000 | $ 39,000 | $ 96,000 |
| Stokes County North Carolina | 1 | $ 264,000 | $ 264,000 | $ 130,000 |
| Warren County North Carolina | 1 | $ 950,000 | $ 950,000 | $ 187,000 |
| Watauga County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Anderson County South Carolina | 1 | $ 393,000 | $ 393,000 | $ 156,000 |
| Cherokee County South Carolina | 1 | $ 309,000 | $ 309,000 | $ 89,000 |
| Chester County South Carolina | 1 | $ 160,000 | $ 160,000 | $ 42,000 |
| Georgetown County South Carolina | 1 | $ 530,000 | $ 530,000 | $ 268,000 |
| Laurens County South Carolina | 1 | $ 113,000 | $ 113,000 | $ 97,000 |
| Pickens County South Carolina | 1 | $ 249,000 | $ 249,000 | $ 0 |
| York County South Carolina | 1 | $ 433,000 | $ 433,000 | $ 123,000 |
| Carter County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 337,000 |
| Davidson County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Grainger County Tennessee | 1 | $ 63,000 | $ 63,000 | $ 49,000 |
| Hawkins County Tennessee | 1 | $ 122,000 | $ 122,000 | $ 38,000 |
| Roane County Tennessee | 1 | $ 588,000 | $ 588,000 | $ 255,000 |
| Unicoi County Tennessee | 1 | $ 30,000 | $ 30,000 | $ 471,000 |
| Bristol County Virginia | 1 | $ 93,000 | $ 93,000 | $ 61,000 |
| Franklin County Virginia | 1 | $ 805,000 | $ 805,000 | $ 213,000 |
| Henry County Virginia | 1 | $ 157,000 | $ 157,000 | $ 60,000 |
| Pittsylvania County Virginia | 1 | $ 99,000 | $ 99,000 | $ 38,000 |
| Roanoke County Virginia | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Rockingham County Virginia | 1 | $ 196,000 | $ 196,000 | $ 309,000 |
| Salem County Virginia | 1 | $ 88,000 | $ 88,000 | $ 0 |
Mortgage Loan Application Detail Totals for Hometrust Bank N.A. in 2014
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 | 895 | $182,960,000 | $204,000 | $2,320,000 | $98,000 | $1,339,000 |
| Refinancing | 466 | $88,763,000 | $190,000 | $5,861,000 | $83,000 | $1,029,000 |
| Home Improvement | 52 | $7,524,000 | $144,000 | $554,000 | $84,000 | $381,000 |
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 | 1,237 | $235,076,000 | $190,000 | $2,320,000 | $95,000 | $1,339,000 |
| Not Provided | 69 | $13,875,000 | $201,000 | $417,000 | $94,000 | $287,000 |
| Not applicable | 36 | $17,654,000 | $490,000 | $5,861,000 | $0 | $0 |
| Black or African American | 27 | $4,488,000 | $166,000 | $417,000 | $86,000 | $250,000 |
| Hispanic | 22 | $3,429,000 | $155,000 | $417,000 | $72,000 | $169,000 |
| Asian | 15 | $3,462,000 | $230,000 | $640,000 | $164,000 | $763,000 |
| American Indian or Alaskan Native | 5 | $885,000 | $177,000 | $340,000 | $53,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $378,000 | $189,000 | $335,000 | $78,000 | $83,000 |
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) | 1,310 | $265,238,000 | $202,000 | $5,861,000 | $96,000 | $1,339,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 100 | $13,567,000 | $135,000 | $286,000 | $46,000 | $90,000 |
| FHA-insured (Federal Housing Administration) | 3 | $442,000 | $147,000 | $187,000 | $47,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 939 | $191,185,000 | $203,000 | $5,861,000 | $96,000 | $1,339,000 |
| Application Withdrawn By Applicant | 229 | $44,408,000 | $193,000 | $1,488,000 | $96,000 | $912,000 |
| Application Denied By Financial Institution | 184 | $30,549,000 | $166,000 | $640,000 | $65,000 | $508,000 |
| File Closed For Incompleteness | 44 | $9,592,000 | $218,000 | $576,000 | $88,000 | $278,000 |
| Application Approved But Not Accepted | 11 | $2,427,000 | $220,000 | $417,000 | $165,000 | $1,029,000 |
| Preapproval Denied by Financial Institution | 6 | $1,086,000 | $181,000 | $304,000 | $76,000 | $132,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 61 | $11,348,000 | $186,000 | $630,000 | $67,000 | $508,000 |
| Credit History | 53 | $6,411,000 | $120,000 | $304,000 | $49,000 | $160,000 |
| Collateral | 45 | $9,445,000 | $209,000 | $640,000 | $82,000 | $392,000 |
| Other | 20 | $3,003,000 | $150,000 | $286,000 | $69,000 | $140,000 |
| Unverifiable Information | 5 | $829,000 | $165,000 | $340,000 | $68,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $402,000 | $100,000 | $182,000 | $64,000 | $90,000 |
| Credit Application Incomplete | 1 | $52,000 | $52,000 | $52,000 | $0 | $0 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $28,000 | $28,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hometrust Bank N.A.'s 2014 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 Bank N.A.'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.
For a list of all lenders in North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.