Hometrust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Hometrust Bank 2016 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 Po Box 10 Asheville, NC 28802 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 1,578 |
| Total Mortgage Loan Application Amount | $352,851,000 |
| Average Mortgage Loan Application Amount | $248,666 |
| Highest Mortgage Loan Application Amount | $5,360,000 |
| Average Applicant Income | $102,000 |
| Highest Applicant Income | $1,469,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with Hometrust Bank. 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's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down Hometrust Bank'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 serves its applicants.
Each category highlights the total number of mortgage applications processed by Hometrust Bank, 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's mortgage activity for 2016.
| 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 | 595 | $ 150,850,000 | $ 253,000 | $ 110,000 |
| Haywood County North Carolina | 157 | $ 30,318,000 | $ 193,000 | $ 86,000 |
| Henderson County North Carolina | 138 | $ 27,749,000 | $ 201,000 | $ 86,000 |
| Cleveland County North Carolina | 126 | $ 21,265,000 | $ 168,000 | $ 84,000 |
| Polk County North Carolina | 75 | $ 15,047,000 | $ 200,000 | $ 93,000 |
| Rutherford County North Carolina | 51 | $ 7,205,000 | $ 141,000 | $ 65,000 |
| Rockingham County North Carolina | 34 | $ 4,306,000 | $ 126,000 | $ 100,000 |
| Madison County North Carolina | 29 | $ 6,574,000 | $ 226,000 | $ 92,000 |
| Roanoke County Virginia | 29 | $ 5,123,000 | $ 176,000 | $ 47,000 |
| Roanoke City County Virginia | 28 | $ 6,129,000 | $ 218,000 | $ 30,000 |
| Spartanburg County South Carolina | 27 | $ 6,770,000 | $ 250,000 | $ 78,000 |
| Wake County North Carolina | 23 | $ 8,965,000 | $ 389,000 | $ 95,000 |
| Washington County Tennessee | 22 | $ 9,491,000 | $ 431,000 | $ 107,000 |
| Gaston County North Carolina | 20 | $ 2,185,000 | $ 109,000 | $ 73,000 |
| Greenville County South Carolina | 20 | $ 3,796,000 | $ 189,000 | $ 94,000 |
| Davidson County North Carolina | 18 | $ 4,519,000 | $ 251,000 | $ 60,000 |
| Hamblen County Tennessee | 15 | $ 1,403,000 | $ 93,000 | $ 51,000 |
| Jackson County North Carolina | 13 | $ 3,136,000 | $ 241,000 | $ 113,000 |
| Mecklenburg County North Carolina | 10 | $ 2,511,000 | $ 251,000 | $ 110,000 |
| McDowell County North Carolina | 9 | $ 1,882,000 | $ 209,000 | $ 86,000 |
| Danville County Virginia | 8 | $ 529,000 | $ 66,000 | $ 50,000 |
| Transylvania County North Carolina | 7 | $ 1,265,000 | $ 180,000 | $ 97,000 |
| Knox County Tennessee | 7 | $ 899,000 | $ 128,000 | $ 97,000 |
| Pittsylvania County Virginia | 7 | $ 988,000 | $ 141,000 | $ 47,000 |
| Burke County North Carolina | 6 | $ 1,100,000 | $ 183,000 | $ 70,000 |
| Salem County Virginia | 6 | $ 1,536,000 | $ 256,000 | $ 136,000 |
| Brunswick County North Carolina | 5 | $ 1,457,000 | $ 291,000 | $ 96,000 |
| Guilford County North Carolina | 5 | $ 1,719,000 | $ 343,000 | $ 292,000 |
| Oconee County South Carolina | 5 | $ 1,208,000 | $ 241,000 | $ 176,000 |
| Franklin County Virginia | 5 | $ 1,330,000 | $ 266,000 | $ 142,000 |
| Forsyth County North Carolina | 4 | $ 591,000 | $ 147,000 | $ 106,000 |
| Yancey County North Carolina | 4 | $ 1,024,000 | $ 256,000 | $ 113,000 |
| Bedford County Virginia | 4 | $ 808,000 | $ 202,000 | $ 153,000 |
| Botetourt County Virginia | 4 | $ 691,000 | $ 172,000 | $ 77,000 |
| Cherokee County South Carolina | 3 | $ 408,000 | $ 136,000 | $ 62,000 |
| Sullivan County Tennessee | 3 | $ 348,000 | $ 116,000 | $ 91,000 |
| Lynchburg County Virginia | 3 | $ 5,759,000 | $ 1,919,000 | $ 0 |
| Chatham County North Carolina | 2 | $ 1,276,000 | $ 638,000 | $ 291,000 |
| Durham County North Carolina | 2 | $ 309,000 | $ 154,000 | $ 98,000 |
| Lincoln County North Carolina | 2 | $ 204,000 | $ 102,000 | $ 47,000 |
| Mitchell County North Carolina | 2 | $ 320,000 | $ 160,000 | $ 31,000 |
| Charleston County South Carolina | 2 | $ 189,000 | $ 94,000 | $ 95,000 |
| Horry County South Carolina | 2 | $ 499,000 | $ 249,000 | $ 185,000 |
| Grainger County Tennessee | 2 | $ 158,000 | $ 79,000 | $ 42,000 |
| Greene County Tennessee | 2 | $ 652,000 | $ 326,000 | $ 124,000 |
| Martinsville County Virginia | 2 | $ 208,000 | $ 104,000 | $ 52,000 |
| Alamance County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 80,000 |
| Avery County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| Caswell County North Carolina | 1 | $ 112,000 | $ 112,000 | $ 30,000 |
| Cherokee County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 86,000 |
| Cumberland County North Carolina | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 105,000 |
| Moore County North Carolina | 1 | $ 180,000 | $ 180,000 | $ 81,000 |
| Onslow County North Carolina | 1 | $ 387,000 | $ 387,000 | $ 137,000 |
| Randolph County North Carolina | 1 | $ 243,000 | $ 243,000 | $ 105,000 |
| Stokes County North Carolina | 1 | $ 86,000 | $ 86,000 | $ 46,000 |
| Swain County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 67,000 |
| Union County North Carolina | 1 | $ 532,000 | $ 532,000 | $ 155,000 |
| Abbeville County South Carolina | 1 | $ 100,000 | $ 100,000 | $ 106,000 |
| Anderson County South Carolina | 1 | $ 112,000 | $ 112,000 | $ 36,000 |
| Beaufort County South Carolina | 1 | $ 576,000 | $ 576,000 | $ 699,000 |
| Colleton County South Carolina | 1 | $ 170,000 | $ 170,000 | $ 134,000 |
| Greenwood County South Carolina | 1 | $ 188,000 | $ 188,000 | $ 123,000 |
| Pickens County South Carolina | 1 | $ 640,000 | $ 640,000 | $ 0 |
| York County South Carolina | 1 | $ 276,000 | $ 276,000 | $ 63,000 |
| Carter County Tennessee | 1 | $ 138,000 | $ 138,000 | $ 65,000 |
| Cocke County Tennessee | 1 | $ 137,000 | $ 137,000 | $ 45,000 |
| Davidson County Tennessee | 1 | $ 139,000 | $ 139,000 | $ 195,000 |
| Hawkins County Tennessee | 1 | $ 144,000 | $ 144,000 | $ 46,000 |
| Jefferson County Tennessee | 1 | $ 279,000 | $ 279,000 | $ 63,000 |
| Loudon County Tennessee | 1 | $ 510,000 | $ 510,000 | $ 0 |
| Roane County Tennessee | 1 | $ 417,000 | $ 417,000 | $ 254,000 |
| Sevier County Tennessee | 1 | $ 88,000 | $ 88,000 | $ 136,000 |
| Campbell County Virginia | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Henrico County Virginia | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Montgomery County Virginia | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Pulaski County Virginia | 1 | $ 700,000 | $ 700,000 | $ 0 |
Mortgage Loan Application Detail Totals for Hometrust Bank in 2016
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 | 882 | $197,309,000 | $223,000 | $1,400,000 | $96,000 | $1,469,000 |
| Refinancing | 662 | $145,193,000 | $219,000 | $5,360,000 | $92,000 | $1,298,000 |
| Home Improvement | 34 | $10,349,000 | $304,000 | $2,724,000 | $118,000 | $508,000 |
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 | 1,375 | $290,055,000 | $210,000 | $2,724,000 | $99,000 | $1,469,000 |
| Not applicable | 76 | $36,061,000 | $474,000 | $5,360,000 | $0 | $0 |
| Not Provided | 62 | $14,657,000 | $236,000 | $800,000 | $120,000 | $507,000 |
| Black or African American | 25 | $3,974,000 | $158,000 | $364,000 | $71,000 | $210,000 |
| Asian | 20 | $4,661,000 | $233,000 | $931,000 | $104,000 | $316,000 |
| Hispanic | 17 | $2,888,000 | $169,000 | $417,000 | $81,000 | $254,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $417,000 | $208,000 | $255,000 | $56,000 | $65,000 |
| American Indian or Alaskan Native | 1 | $138,000 | $138,000 | $138,000 | $77,000 | $77,000 |
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) | 1,485 | $339,155,000 | $228,000 | $5,360,000 | $98,000 | $1,469,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 89 | $12,856,000 | $144,000 | $276,000 | $45,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 2 | $320,000 | $160,000 | $160,000 | $19,000 | $19,000 |
| FHA-insured (Federal Housing Administration) | 2 | $520,000 | $260,000 | $265,000 | $82,000 | $99,000 |
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 | 1,243 | $284,531,000 | $228,000 | $5,360,000 | $98,000 | $1,469,000 |
| Application Withdrawn By Applicant | 162 | $34,212,000 | $211,000 | $760,000 | $97,000 | $380,000 |
| Application Denied By Financial Institution | 136 | $24,941,000 | $183,000 | $1,900,000 | $60,000 | $372,000 |
| Application Approved But Not Accepted | 16 | $2,871,000 | $179,000 | $500,000 | $86,000 | $240,000 |
| File Closed For Incompleteness | 16 | $5,462,000 | $341,000 | $900,000 | $150,000 | $531,000 |
| Preapproval Denied by Financial Institution | 4 | $566,000 | $141,000 | $180,000 | $29,000 | $37,000 |
| Loan Purchased By The Institution | 1 | $268,000 | $268,000 | $268,000 | $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 | 55 | $12,761,000 | $232,000 | $1,900,000 | $46,000 | $137,000 |
| Collateral | 39 | $6,457,000 | $165,000 | $518,000 | $83,000 | $353,000 |
| Credit History | 30 | $4,237,000 | $141,000 | $788,000 | $62,000 | $372,000 |
| Other | 10 | $1,274,000 | $127,000 | $245,000 | $48,000 | $83,000 |
| Employment History | 3 | $406,000 | $135,000 | $139,000 | $20,000 | $36,000 |
| Unverifiable Information | 2 | $297,000 | $148,000 | $238,000 | $74,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $30,000 | $30,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hometrust Bank's 2016 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'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.