Hometrust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Hometrust Bank 2018 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 | 2,872 |
| Total Mortgage Loan Application Amount | $524,220,000 |
| Average Mortgage Loan Application Amount | $156,333 |
| Highest Mortgage Loan Application Amount | $13,275,000 |
| Average Applicant Income | $86,500 |
| Highest Applicant Income | $1,555,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 716 | $ 146,910,000 | $ 205,000 | $ 114,000 |
| Haywood County North Carolina | 235 | $ 36,775,000 | $ 156,000 | $ 95,000 |
| Henderson County North Carolina | 189 | $ 31,465,000 | $ 166,000 | $ 90,000 |
| Rockingham County North Carolina | 111 | $ 7,745,000 | $ 69,000 | $ 69,000 |
| Sullivan County Tennessee | 97 | $ 11,985,000 | $ 123,000 | $ 93,000 |
| Polk County North Carolina | 94 | $ 16,090,000 | $ 171,000 | $ 104,000 |
| Hamblen County Tennessee | 90 | $ 9,000,000 | $ 100,000 | $ 70,000 |
| Cleveland County North Carolina | 88 | $ 10,130,000 | $ 115,000 | $ 83,000 |
| Washington County Tennessee | 83 | $ 15,105,000 | $ 181,000 | $ 144,000 |
| Greenville County South Carolina | 82 | $ 16,620,000 | $ 202,000 | $ 131,000 |
| Rutherford County North Carolina | 77 | $ 10,785,000 | $ 140,000 | $ 86,000 |
| Mecklenburg County North Carolina | 67 | $ 25,525,000 | $ 380,000 | $ 205,000 |
| Wake County North Carolina | 49 | $ 24,515,000 | $ 500,000 | $ 199,000 |
| Spartanburg County South Carolina | 42 | $ 7,510,000 | $ 178,000 | $ 66,000 |
| Knox County Tennessee | 42 | $ 7,960,000 | $ 189,000 | $ 107,000 |
| Roanoke County Virginia | 41 | $ 4,565,000 | $ 111,000 | $ 76,000 |
| Madison County North Carolina | 37 | $ 7,345,000 | $ 198,000 | $ 126,000 |
| Jefferson County Tennessee | 34 | $ 4,690,000 | $ 137,000 | $ 81,000 |
| Roanoke City County Virginia | 31 | $ 3,835,000 | $ 123,000 | $ 53,000 |
| Hawkins County Tennessee | 30 | $ 3,700,000 | $ 123,000 | $ 82,000 |
| Los Angeles County California | 26 | $ 3,460,000 | $ 133,000 | $ 0 |
| Davidson County North Carolina | 23 | $ 2,305,000 | $ 100,000 | $ 65,000 |
| Gaston County North Carolina | 22 | $ 3,590,000 | $ 163,000 | $ 121,000 |
| Botetourt County Virginia | 20 | $ 2,790,000 | $ 139,000 | $ 81,000 |
| Danville County Virginia | 20 | $ 890,000 | $ 44,000 | $ 38,000 |
| Pittsylvania County Virginia | 20 | $ 1,450,000 | $ 72,000 | $ 74,000 |
| McDowell County North Carolina | 17 | $ 5,535,000 | $ 325,000 | $ 209,000 |
| Transylvania County North Carolina | 16 | $ 4,890,000 | $ 305,000 | $ 114,000 |
| Jackson County North Carolina | 15 | $ 2,695,000 | $ 179,000 | $ 98,000 |
| Orange County California | 14 | $ 2,060,000 | $ 147,000 | $ 0 |
| Union County North Carolina | 12 | $ 6,690,000 | $ 557,000 | $ 265,000 |
| Carter County Tennessee | 12 | $ 1,070,000 | $ 89,000 | $ 74,000 |
| King County Washington | 12 | $ 1,380,000 | $ 115,000 | $ 0 |
| Alameda County California | 11 | $ 1,745,000 | $ 158,000 | $ 0 |
| Maricopa County Arizona | 10 | $ 1,690,000 | $ 169,000 | $ 0 |
| Santa Clara County California | 10 | $ 1,130,000 | $ 113,000 | $ 0 |
| San Diego County California | 9 | $ 975,000 | $ 108,000 | $ 0 |
| Yancey County North Carolina | 9 | $ 1,225,000 | $ 136,000 | $ 76,000 |
| Blount County Tennessee | 9 | $ 1,685,000 | $ 187,000 | $ 96,000 |
| Contra Costa County California | 8 | $ 1,230,000 | $ 153,000 | $ 0 |
| Ventura County California | 8 | $ 890,000 | $ 111,000 | $ 0 |
| Grainger County Tennessee | 8 | $ 600,000 | $ 75,000 | $ 77,000 |
| Guilford County North Carolina | 7 | $ 825,000 | $ 117,000 | $ 155,000 |
| Iredell County North Carolina | 7 | $ 2,375,000 | $ 339,000 | $ 110,000 |
| Anderson County South Carolina | 7 | $ 1,675,000 | $ 239,000 | $ 144,000 |
| Riverside County California | 6 | $ 480,000 | $ 80,000 | $ 0 |
| Washington County Oregon | 6 | $ 550,000 | $ 91,000 | $ 0 |
| Henry County Virginia | 6 | $ 320,000 | $ 53,000 | $ 47,000 |
| San Bernardino County California | 5 | $ 1,415,000 | $ 283,000 | $ 1,480,000 |
| Burke County North Carolina | 5 | $ 1,335,000 | $ 267,000 | $ 166,000 |
| Lincoln County North Carolina | 5 | $ 525,000 | $ 105,000 | $ 266,000 |
| New Hanover County North Carolina | 5 | $ 1,745,000 | $ 349,000 | $ 236,000 |
| Watauga County North Carolina | 5 | $ 1,825,000 | $ 365,000 | $ 300,000 |
| Charleston County South Carolina | 5 | $ 1,655,000 | $ 331,000 | $ 350,000 |
| Bedford County Virginia | 5 | $ 435,000 | $ 87,000 | $ 62,000 |
| Bristol County Virginia | 5 | $ 865,000 | $ 173,000 | $ 98,000 |
| Franklin County Virginia | 5 | $ 435,000 | $ 87,000 | $ 55,000 |
| Washington County Virginia | 5 | $ 835,000 | $ 167,000 | $ 219,000 |
| Santa Cruz County California | 4 | $ 670,000 | $ 167,000 | $ 0 |
| Solano County California | 4 | $ 570,000 | $ 142,000 | $ 0 |
| Yolo County California | 4 | $ 300,000 | $ 75,000 | $ 0 |
| Broward County Florida | 4 | $ 900,000 | $ 225,000 | $ 0 |
| Durham County North Carolina | 4 | $ 2,710,000 | $ 677,000 | $ 30,000 |
| Forsyth County North Carolina | 4 | $ 870,000 | $ 217,000 | $ 145,000 |
| Macon County North Carolina | 4 | $ 1,380,000 | $ 345,000 | $ 313,000 |
| Clackamas County Oregon | 4 | $ 440,000 | $ 110,000 | $ 0 |
| Multnomah County Oregon | 4 | $ 370,000 | $ 92,000 | $ 0 |
| Oconee County South Carolina | 4 | $ 390,000 | $ 97,000 | $ 147,000 |
| Pickens County South Carolina | 4 | $ 520,000 | $ 130,000 | $ 128,000 |
| Marin County California | 3 | $ 565,000 | $ 188,000 | $ 0 |
| Sacramento County California | 3 | $ 495,000 | $ 165,000 | $ 0 |
| Brunswick County North Carolina | 3 | $ 1,415,000 | $ 471,000 | $ 382,000 |
| Cabarrus County North Carolina | 3 | $ 1,925,000 | $ 641,000 | $ 250,000 |
| Mitchell County North Carolina | 3 | $ 445,000 | $ 148,000 | $ 53,000 |
| Horry County South Carolina | 3 | $ 715,000 | $ 238,000 | $ 63,000 |
| York County South Carolina | 3 | $ 535,000 | $ 178,000 | $ 85,000 |
| Cumberland County Tennessee | 3 | $ 365,000 | $ 121,000 | $ 42,000 |
| Loudon County Tennessee | 3 | $ 555,000 | $ 185,000 | $ 150,000 |
| Roane County Tennessee | 3 | $ 535,000 | $ 178,000 | $ 111,000 |
| Sevier County Tennessee | 3 | $ 13,405,000 | $ 4,468,000 | $ 105,000 |
| Unicoi County Tennessee | 3 | $ 345,000 | $ 115,000 | $ 67,000 |
| Davis County Utah | 3 | $ 365,000 | $ 121,000 | $ 0 |
| Scott County Virginia | 3 | $ 205,000 | $ 68,000 | $ 80,000 |
| Clark County Washington | 3 | $ 185,000 | $ 61,000 | $ 0 |
| Snohomish County Washington | 3 | $ 375,000 | $ 125,000 | $ 0 |
| Monterey County California | 2 | $ 150,000 | $ 75,000 | $ 0 |
| San Joaquin County California | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Denver County Colorado | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Douglas County Colorado | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Fairfield County Connecticut | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Miami-Dade County Florida | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Palm Beach County Florida | 2 | $ 530,000 | $ 265,000 | $ 203,000 |
| Seminole County Florida | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Cook County Illinois | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Camden County New Jersey | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Kings County New York | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Westchester County New York | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Caldwell County North Carolina | 2 | $ 480,000 | $ 240,000 | $ 472,000 |
| Chatham County North Carolina | 2 | $ 840,000 | $ 420,000 | $ 300,000 |
| Davie County North Carolina | 2 | $ 250,000 | $ 125,000 | $ 127,000 |
| Orange County North Carolina | 2 | $ 990,000 | $ 495,000 | $ 198,000 |
| Lane County Oregon | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Lancaster County South Carolina | 2 | $ 990,000 | $ 495,000 | $ 178,000 |
| Loudoun County Virginia | 2 | $ 440,000 | $ 220,000 | $ 177,000 |
| Lynchburg County Virginia | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Montgomery County Virginia | 2 | $ 490,000 | $ 245,000 | $ 0 |
| Norton County Virginia | 2 | $ 170,000 | $ 85,000 | $ 30,000 |
| Salem County Virginia | 2 | $ 430,000 | $ 215,000 | $ 100,000 |
| Kitsap County Washington | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Pierce County Washington | 2 | $ 240,000 | $ 120,000 | $ 0 |
| El Dorado County California | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Imperial County California | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Madera County California | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Placer County California | 1 | $ 55,000 | $ 55,000 | $ 0 |
| San Mateo County California | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Stanislaus County California | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Arapahoe County Colorado | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Broomfield County Colorado | 1 | $ 105,000 | $ 105,000 | $ 0 |
| El Paso County Colorado | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Jefferson County Colorado | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Mesa County Colorado | 1 | $ 45,000 | $ 45,000 | $ 0 |
| New Haven County Connecticut | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Tolland County Connecticut | 1 | $ 85,000 | $ 85,000 | $ 0 |
| New Castle County Delaware | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Sussex County Delaware | 1 | $ 185,000 | $ 185,000 | $ 0 |
| District of Columbia County District Of Columbia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Charlotte County Florida | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Orange County Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Polk County Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Chatham County Georgia | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| DeKalb County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Forsyth County Georgia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Anne Arundel County Maryland | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Harford County Maryland | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Middlesex County Massachusetts | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Hennepin County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Clark County Nevada | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Douglas County Nevada | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Washoe County Nevada | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Bergen County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Burlington County New Jersey | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Essex County New Jersey | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Monmouth County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Morris County New Jersey | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Union County New Jersey | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Bernalillo County New Mexico | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Queens County New York | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Richmond County New York | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Suffolk County New York | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Ashe County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 71,000 |
| Carteret County North Carolina | 1 | $ 595,000 | $ 595,000 | $ 521,000 |
| Caswell County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Franklin County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 232,000 |
| Graham County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 203,000 |
| Hoke County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 85,000 |
| Johnston County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Moore County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 184,000 |
| Wilson County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 92,000 |
| Cuyahoga County Ohio | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Yamhill County Oregon | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Bucks County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Chester County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Cumberland County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Lancaster County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Newport County Rhode Island | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Fairfield County South Carolina | 1 | $ 405,000 | $ 405,000 | $ 663,000 |
| Georgetown County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 142,000 |
| Greenwood County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Laurens County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Newberry County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Richland County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 14,000 |
| Bledsoe County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 103,000 |
| Bradley County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Davidson County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Greene County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Johnson County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Dallas County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Salt Lake County Utah | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Summit County Utah | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Tooele County Utah | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Utah County Utah | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Wasatch County Utah | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Weber County Utah | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Alexandria County Virginia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Alleghany County Virginia | 1 | $ 205,000 | $ 205,000 | $ 609,000 |
| Campbell County Virginia | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Chesapeake County Virginia | 1 | $ 305,000 | $ 305,000 | $ 924,000 |
| Fredericksburg County Virginia | 1 | $ 1,205,000 | $ 1,205,000 | $ 635,000 |
| Hanover County Virginia | 1 | $ 255,000 | $ 255,000 | $ 144,000 |
| Henrico County Virginia | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Louisa County Virginia | 1 | $ 165,000 | $ 165,000 | $ 177,000 |
| Martinsville County Virginia | 1 | $ 35,000 | $ 35,000 | $ 23,000 |
| Pulaski County Virginia | 1 | $ 45,000 | $ 45,000 | $ 1,000 |
| Richmond City County Virginia | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Suffolk County Virginia | 1 | $ 55,000 | $ 55,000 | $ 264,000 |
| Virginia Beach County Virginia | 1 | $ 85,000 | $ 85,000 | $ 61,000 |
| Wythe County Virginia | 1 | $ 965,000 | $ 965,000 | $ 0 |
| Waukesha County Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 0 |
Mortgage Loan Application Detail Totals for Hometrust Bank in 2018
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 | 1,017 | $296,885,000 | $291,000 | $13,275,000 | $127,000 | $1,304,000 |
| Other Purpose | 532 | $46,630,000 | $87,000 | $1,425,000 | $99,000 | $1,115,000 |
| Refinancing | 442 | $73,930,000 | $167,000 | $1,155,000 | $112,000 | $1,555,000 |
| Home Improvement | 389 | $28,125,000 | $72,000 | $1,005,000 | $93,000 | $1,415,000 |
| Not Applicable | 252 | $30,410,000 | $120,000 | $385,000 | $0 | $0 |
| Cash-out Refinancing | 240 | $48,240,000 | $201,000 | $1,685,000 | $88,000 | $862,000 |
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 | 2,311 | $410,095,000 | $177,000 | $1,695,000 | $110,000 | $1,555,000 |
| Not applicable | 305 | $69,145,000 | $226,000 | $13,275,000 | $0 | $0 |
| Not Provided | 97 | $21,195,000 | $218,000 | $1,405,000 | $130,000 | $885,000 |
| Black or African American | 66 | $8,470,000 | $128,000 | $1,595,000 | $76,000 | $522,000 |
| Hispanic | 55 | $8,805,000 | $160,000 | $715,000 | $123,000 | $1,115,000 |
| Asian | 26 | $5,350,000 | $205,000 | $805,000 | $122,000 | $481,000 |
| American Indian or Alaskan Native | 8 | $680,000 | $85,000 | $185,000 | $41,000 | $65,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $140,000 | $70,000 | $105,000 | $74,000 | $89,000 |
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) | 2,776 | $508,910,000 | $183,000 | $13,275,000 | $112,000 | $1,555,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 88 | $14,280,000 | $162,000 | $255,000 | $52,000 | $93,000 |
| FHA-insured (Federal Housing Administration) | 6 | $800,000 | $133,000 | $225,000 | $54,000 | $106,000 |
| VA-guaranteed (Veterans Administration) | 2 | $230,000 | $115,000 | $125,000 | $36,000 | $54,000 |
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 | 1,719 | $351,555,000 | $204,000 | $13,275,000 | $119,000 | $1,415,000 |
| Application Denied By Financial Institution | 576 | $64,500,000 | $111,000 | $1,005,000 | $74,000 | $1,480,000 |
| Loan Purchased By The Institution | 252 | $30,410,000 | $120,000 | $385,000 | $0 | $0 |
| Application Withdrawn By Applicant | 242 | $59,380,000 | $245,000 | $2,005,000 | $115,000 | $1,555,000 |
| File Closed For Incompleteness | 56 | $11,180,000 | $199,000 | $1,005,000 | $99,000 | $725,000 |
| Application Approved But Not Accepted | 22 | $5,690,000 | $258,000 | $725,000 | $247,000 | $918,000 |
| Preapproval Approved but not Accepted | 4 | $1,220,000 | $305,000 | $565,000 | $168,000 | $374,000 |
| Preapproval Denied by Financial Institution | 1 | $285,000 | $285,000 | $285,000 | $32,000 | $32,000 |
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 | 2,295 | $459,435,000 | $200,000 | $13,275,000 | $120,000 | $1,555,000 |
| Debt-To-Income Ratio | 214 | $28,370,000 | $132,000 | $1,005,000 | $60,000 | $442,000 |
| Credit History | 212 | $17,150,000 | $80,000 | $405,000 | $67,000 | $720,000 |
| Collateral | 79 | $10,255,000 | $129,000 | $845,000 | $97,000 | $388,000 |
| Other | 57 | $6,125,000 | $107,000 | $1,005,000 | $122,000 | $1,480,000 |
| Employment History | 7 | $1,205,000 | $172,000 | $485,000 | $63,000 | $185,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,430,000 | $238,000 | $415,000 | $60,000 | $82,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $32,000 | $32,000 |
| Credit Application Incomplete | 1 | $125,000 | $125,000 | $125,000 | $135,000 | $135,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hometrust Bank's 2018 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.