Hometrust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Hometrust Bank 2020 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 | 4,993 |
| Total Mortgage Loan Application Amount | $1,027,735,000 |
| Average Mortgage Loan Application Amount | $178,400 |
| Highest Mortgage Loan Application Amount | $13,905,000 |
| Average Applicant Income | $139,200 |
| Highest Applicant Income | $4,033,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 972 | $ 236,930,000 | $ 243,000 | $ 134,000 |
| Haywood County North Carolina | 310 | $ 62,100,000 | $ 200,000 | $ 104,000 |
| Henderson County North Carolina | 285 | $ 61,635,000 | $ 216,000 | $ 108,000 |
| Greenville County South Carolina | 231 | $ 74,945,000 | $ 324,000 | $ 138,000 |
| Cleveland County North Carolina | 160 | $ 20,950,000 | $ 130,000 | $ 76,000 |
| Polk County North Carolina | 145 | $ 29,765,000 | $ 205,000 | $ 109,000 |
| Los Angeles County California | 119 | $ 21,645,000 | $ 181,000 | $ 250,000 |
| Wake County North Carolina | 108 | $ 34,490,000 | $ 319,000 | $ 283,000 |
| Miami-Dade County Florida | 94 | $ 11,780,000 | $ 125,000 | $ 158,000 |
| Broward County Florida | 92 | $ 11,800,000 | $ 128,000 | $ 184,000 |
| Mecklenburg County North Carolina | 89 | $ 27,485,000 | $ 308,000 | $ 186,000 |
| Multnomah County Oregon | 89 | $ 15,355,000 | $ 172,000 | $ 277,000 |
| Rutherford County North Carolina | 80 | $ 13,270,000 | $ 165,000 | $ 104,000 |
| Rockingham County North Carolina | 74 | $ 7,200,000 | $ 97,000 | $ 73,000 |
| San Diego County California | 71 | $ 12,585,000 | $ 177,000 | $ 224,000 |
| Clackamas County Oregon | 65 | $ 10,745,000 | $ 165,000 | $ 230,000 |
| Hamblen County Tennessee | 65 | $ 9,585,000 | $ 147,000 | $ 98,000 |
| Orange County California | 63 | $ 12,535,000 | $ 198,000 | $ 264,000 |
| Madison County North Carolina | 63 | $ 12,615,000 | $ 200,000 | $ 94,000 |
| Spartanburg County South Carolina | 63 | $ 12,995,000 | $ 206,000 | $ 113,000 |
| Sullivan County Tennessee | 60 | $ 8,340,000 | $ 139,000 | $ 96,000 |
| Washington County Tennessee | 60 | $ 12,150,000 | $ 202,000 | $ 219,000 |
| Washington County Oregon | 58 | $ 9,080,000 | $ 156,000 | $ 232,000 |
| Alameda County California | 52 | $ 9,890,000 | $ 190,000 | $ 246,000 |
| Roanoke City County Virginia | 51 | $ 10,365,000 | $ 203,000 | $ 54,000 |
| Santa Clara County California | 50 | $ 9,970,000 | $ 199,000 | $ 272,000 |
| Contra Costa County California | 49 | $ 9,635,000 | $ 196,000 | $ 277,000 |
| Davidson County North Carolina | 46 | $ 6,200,000 | $ 134,000 | $ 91,000 |
| Roanoke County Virginia | 43 | $ 8,055,000 | $ 187,000 | $ 116,000 |
| Williamson County Tennessee | 39 | $ 8,465,000 | $ 217,000 | $ 280,000 |
| Gaston County North Carolina | 38 | $ 4,710,000 | $ 123,000 | $ 90,000 |
| Palm Beach County Florida | 36 | $ 5,630,000 | $ 156,000 | $ 246,000 |
| Riverside County California | 32 | $ 4,780,000 | $ 149,000 | $ 263,000 |
| Transylvania County North Carolina | 32 | $ 7,750,000 | $ 242,000 | $ 131,000 |
| Knox County Tennessee | 32 | $ 4,770,000 | $ 149,000 | $ 129,000 |
| Union County North Carolina | 26 | $ 7,130,000 | $ 274,000 | $ 297,000 |
| Anderson County South Carolina | 25 | $ 7,075,000 | $ 283,000 | $ 117,000 |
| McDowell County North Carolina | 24 | $ 6,760,000 | $ 281,000 | $ 154,000 |
| Bedford County Virginia | 24 | $ 4,980,000 | $ 207,000 | $ 63,000 |
| Jefferson County Tennessee | 23 | $ 2,965,000 | $ 128,000 | $ 109,000 |
| Deschutes County Oregon | 22 | $ 4,440,000 | $ 201,000 | $ 264,000 |
| Pittsylvania County Virginia | 21 | $ 1,935,000 | $ 92,000 | $ 50,000 |
| Ventura County California | 20 | $ 2,940,000 | $ 147,000 | $ 205,000 |
| San Joaquin County California | 19 | $ 2,505,000 | $ 131,000 | $ 181,000 |
| Maricopa County Arizona | 18 | $ 2,370,000 | $ 131,000 | $ 191,000 |
| Santa Barbara County California | 18 | $ 2,940,000 | $ 163,000 | $ 236,000 |
| Orange County Florida | 18 | $ 3,210,000 | $ 178,000 | $ 276,000 |
| Pickens County South Carolina | 17 | $ 6,155,000 | $ 362,000 | $ 165,000 |
| Davidson County Tennessee | 17 | $ 2,695,000 | $ 158,000 | $ 204,000 |
| Hawkins County Tennessee | 17 | $ 2,215,000 | $ 130,000 | $ 84,000 |
| Sacramento County California | 16 | $ 2,430,000 | $ 151,000 | $ 208,000 |
| Sonoma County California | 16 | $ 2,850,000 | $ 178,000 | $ 227,000 |
| Pinellas County Florida | 16 | $ 2,230,000 | $ 139,000 | $ 245,000 |
| Guilford County North Carolina | 15 | $ 2,805,000 | $ 187,000 | $ 133,000 |
| Franklin County Virginia | 15 | $ 1,685,000 | $ 112,000 | $ 85,000 |
| Hillsborough County Florida | 14 | $ 2,050,000 | $ 146,000 | $ 239,000 |
| Yamhill County Oregon | 14 | $ 2,580,000 | $ 184,000 | $ 160,000 |
| Danville County Virginia | 14 | $ 630,000 | $ 45,000 | $ 49,000 |
| Placer County California | 13 | $ 1,555,000 | $ 119,000 | $ 158,000 |
| San Francisco County California | 13 | $ 2,615,000 | $ 201,000 | $ 354,000 |
| Yancey County North Carolina | 13 | $ 2,945,000 | $ 226,000 | $ 294,000 |
| Botetourt County Virginia | 13 | $ 2,245,000 | $ 172,000 | $ 130,000 |
| Solano County California | 12 | $ 2,030,000 | $ 169,000 | $ 202,000 |
| Oconee County South Carolina | 12 | $ 5,360,000 | $ 446,000 | $ 330,000 |
| Durham County North Carolina | 11 | $ 3,655,000 | $ 332,000 | $ 154,000 |
| Jackson County North Carolina | 11 | $ 1,205,000 | $ 109,000 | $ 101,000 |
| San Mateo County California | 10 | $ 2,150,000 | $ 215,000 | $ 300,000 |
| Fairfield County Connecticut | 10 | $ 1,730,000 | $ 173,000 | $ 221,000 |
| Sarasota County Florida | 10 | $ 1,500,000 | $ 150,000 | $ 242,000 |
| Burke County North Carolina | 10 | $ 3,050,000 | $ 305,000 | $ 113,000 |
| Laurens County South Carolina | 10 | $ 2,080,000 | $ 208,000 | $ 98,000 |
| Marin County California | 9 | $ 1,755,000 | $ 195,000 | $ 407,000 |
| Brunswick County North Carolina | 9 | $ 2,965,000 | $ 329,000 | $ 391,000 |
| Grainger County Tennessee | 9 | $ 2,205,000 | $ 245,000 | $ 95,000 |
| Sevier County Tennessee | 9 | $ 1,625,000 | $ 180,000 | $ 179,000 |
| El Dorado County California | 8 | $ 1,650,000 | $ 206,000 | $ 182,000 |
| Iredell County North Carolina | 8 | $ 2,440,000 | $ 305,000 | $ 211,000 |
| Monterey County California | 7 | $ 1,175,000 | $ 167,000 | $ 242,000 |
| Monroe County Florida | 7 | $ 1,435,000 | $ 205,000 | $ 270,000 |
| Lincoln County North Carolina | 7 | $ 965,000 | $ 137,000 | $ 102,000 |
| New Hanover County North Carolina | 7 | $ 1,865,000 | $ 266,000 | $ 191,000 |
| Jackson County Oregon | 7 | $ 1,265,000 | $ 180,000 | $ 211,000 |
| Marion County Oregon | 7 | $ 1,255,000 | $ 179,000 | $ 164,000 |
| Horry County South Carolina | 7 | $ 975,000 | $ 139,000 | $ 128,000 |
| Hamilton County Tennessee | 7 | $ 1,245,000 | $ 177,000 | $ 335,000 |
| Nevada County California | 6 | $ 1,630,000 | $ 271,000 | $ 383,000 |
| Santa Cruz County California | 6 | $ 1,270,000 | $ 211,000 | $ 304,000 |
| Manatee County Florida | 6 | $ 960,000 | $ 160,000 | $ 299,000 |
| Orange County North Carolina | 6 | $ 2,140,000 | $ 356,000 | $ 232,000 |
| Hood River County Oregon | 6 | $ 860,000 | $ 143,000 | $ 292,000 |
| Lexington County South Carolina | 6 | $ 650,000 | $ 108,000 | $ 57,000 |
| Carter County Tennessee | 6 | $ 540,000 | $ 90,000 | $ 63,000 |
| Bristol County Virginia | 6 | $ 350,000 | $ 58,000 | $ 56,000 |
| San Bernardino County California | 5 | $ 725,000 | $ 145,000 | $ 141,000 |
| Stanislaus County California | 5 | $ 495,000 | $ 99,000 | $ 240,000 |
| St. Johns County Florida | 5 | $ 515,000 | $ 103,000 | $ 250,000 |
| Volusia County Florida | 5 | $ 555,000 | $ 111,000 | $ 202,000 |
| Johnson County Kansas | 5 | $ 935,000 | $ 187,000 | $ 179,000 |
| Caldwell County North Carolina | 5 | $ 1,885,000 | $ 377,000 | $ 247,000 |
| Franklin County North Carolina | 5 | $ 835,000 | $ 167,000 | $ 103,000 |
| Charleston County South Carolina | 5 | $ 1,625,000 | $ 325,000 | $ 174,000 |
| Blount County Tennessee | 5 | $ 225,000 | $ 45,000 | $ 91,000 |
| Greene County Tennessee | 5 | $ 485,000 | $ 97,000 | $ 90,000 |
| Wilson County Tennessee | 5 | $ 635,000 | $ 127,000 | $ 153,000 |
| Henry County Virginia | 5 | $ 325,000 | $ 65,000 | $ 46,000 |
| Butte County California | 4 | $ 630,000 | $ 157,000 | $ 234,000 |
| Fresno County California | 4 | $ 590,000 | $ 147,000 | $ 169,000 |
| Madera County California | 4 | $ 380,000 | $ 95,000 | $ 305,000 |
| San Benito County California | 4 | $ 540,000 | $ 135,000 | $ 163,000 |
| New Haven County Connecticut | 4 | $ 590,000 | $ 147,000 | $ 290,000 |
| Lake County Florida | 4 | $ 550,000 | $ 137,000 | $ 220,000 |
| Seminole County Florida | 4 | $ 910,000 | $ 227,000 | $ 187,000 |
| Cabarrus County North Carolina | 4 | $ 1,560,000 | $ 390,000 | $ 172,000 |
| Macon County North Carolina | 4 | $ 600,000 | $ 150,000 | $ 74,000 |
| Polk County Oregon | 4 | $ 800,000 | $ 200,000 | $ 166,000 |
| York County South Carolina | 4 | $ 1,210,000 | $ 302,000 | $ 131,000 |
| Loudon County Tennessee | 4 | $ 610,000 | $ 152,000 | $ 165,000 |
| Rutherford County Tennessee | 4 | $ 740,000 | $ 185,000 | $ 230,000 |
| Fairfax County Virginia | 4 | $ 800,000 | $ 200,000 | $ 171,000 |
| Salem County Virginia | 4 | $ 810,000 | $ 202,000 | $ 234,000 |
| Hartford County Connecticut | 3 | $ 235,000 | $ 78,000 | $ 222,000 |
| Duval County Florida | 3 | $ 445,000 | $ 148,000 | $ 142,000 |
| Avery County North Carolina | 3 | $ 365,000 | $ 121,000 | $ 113,000 |
| Carteret County North Carolina | 3 | $ 2,625,000 | $ 875,000 | $ 702,000 |
| Chatham County North Carolina | 3 | $ 1,045,000 | $ 348,000 | $ 251,000 |
| Forsyth County North Carolina | 3 | $ 445,000 | $ 148,000 | $ 79,000 |
| Mitchell County North Carolina | 3 | $ 615,000 | $ 205,000 | $ 105,000 |
| Pitt County North Carolina | 3 | $ 1,255,000 | $ 418,000 | $ 145,000 |
| Rowan County North Carolina | 3 | $ 145,000 | $ 48,000 | $ 38,000 |
| Swain County North Carolina | 3 | $ 345,000 | $ 115,000 | $ 187,000 |
| Watauga County North Carolina | 3 | $ 455,000 | $ 151,000 | $ 456,000 |
| Benton County Oregon | 3 | $ 565,000 | $ 188,000 | $ 264,000 |
| Lane County Oregon | 3 | $ 605,000 | $ 201,000 | $ 358,000 |
| Cherokee County South Carolina | 3 | $ 585,000 | $ 195,000 | $ 129,000 |
| Lancaster County South Carolina | 3 | $ 815,000 | $ 271,000 | $ 116,000 |
| Shelby County Tennessee | 3 | $ 115,000 | $ 38,000 | $ 143,000 |
| Washington County Virginia | 3 | $ 265,000 | $ 88,000 | $ 126,000 |
| Kern County California | 2 | $ 190,000 | $ 95,000 | $ 293,000 |
| Napa County California | 2 | $ 140,000 | $ 70,000 | $ 121,000 |
| San Luis Obispo County California | 2 | $ 140,000 | $ 70,000 | $ 212,000 |
| Tulare County California | 2 | $ 250,000 | $ 125,000 | $ 396,000 |
| New Castle County Delaware | 2 | $ 220,000 | $ 110,000 | $ 189,000 |
| Collier County Florida | 2 | $ 240,000 | $ 120,000 | $ 220,000 |
| Flagler County Florida | 2 | $ 360,000 | $ 180,000 | $ 340,000 |
| Indian River County Florida | 2 | $ 190,000 | $ 95,000 | $ 140,000 |
| Lee County Florida | 2 | $ 140,000 | $ 70,000 | $ 162,000 |
| Martin County Florida | 2 | $ 380,000 | $ 190,000 | $ 304,000 |
| Pasco County Florida | 2 | $ 480,000 | $ 240,000 | $ 306,000 |
| St. Lucie County Florida | 2 | $ 270,000 | $ 135,000 | $ 339,000 |
| Cobb County Georgia | 2 | $ 160,000 | $ 80,000 | $ 136,000 |
| Baltimore County Maryland | 2 | $ 130,000 | $ 65,000 | $ 103,000 |
| Caswell County North Carolina | 2 | $ 170,000 | $ 85,000 | $ 45,000 |
| Cherokee County North Carolina | 2 | $ 200,000 | $ 100,000 | $ 96,000 |
| Granville County North Carolina | 2 | $ 350,000 | $ 175,000 | $ 103,000 |
| Johnston County North Carolina | 2 | $ 390,000 | $ 195,000 | $ 269,000 |
| Person County North Carolina | 2 | $ 320,000 | $ 160,000 | $ 131,000 |
| Stokes County North Carolina | 2 | $ 180,000 | $ 90,000 | $ 46,000 |
| Crook County Oregon | 2 | $ 390,000 | $ 195,000 | $ 229,000 |
| Douglas County Oregon | 2 | $ 290,000 | $ 145,000 | $ 242,000 |
| Beaufort County South Carolina | 2 | $ 550,000 | $ 275,000 | $ 125,000 |
| Berkeley County South Carolina | 2 | $ 390,000 | $ 195,000 | $ 142,000 |
| Georgetown County South Carolina | 2 | $ 230,000 | $ 115,000 | $ 112,000 |
| Greenwood County South Carolina | 2 | $ 240,000 | $ 120,000 | $ 57,000 |
| Richland County South Carolina | 2 | $ 630,000 | $ 315,000 | $ 178,000 |
| Maury County Tennessee | 2 | $ 230,000 | $ 115,000 | $ 182,000 |
| Montgomery County Tennessee | 2 | $ 420,000 | $ 210,000 | $ 133,000 |
| Henrico County Virginia | 2 | $ 440,000 | $ 220,000 | $ 432,000 |
| Louisa County Virginia | 2 | $ 570,000 | $ 285,000 | $ 78,000 |
| Martinsville County Virginia | 2 | $ 80,000 | $ 40,000 | $ 36,000 |
| Montgomery County Virginia | 2 | $ 7,110,000 | $ 3,555,000 | $ 0 |
| Patrick County Virginia | 2 | $ 270,000 | $ 135,000 | $ 91,000 |
| Snohomish County Washington | 2 | $ 360,000 | $ 180,000 | $ 122,000 |
| Baldwin County Alabama | 1 | $ 215,000 | $ 215,000 | $ 218,000 |
| Coconino County Arizona | 1 | $ 205,000 | $ 205,000 | $ 470,000 |
| Clay County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 37,000 |
| Calaveras County California | 1 | $ 255,000 | $ 255,000 | $ 428,000 |
| Inyo County California | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| Lake County California | 1 | $ 255,000 | $ 255,000 | $ 737,000 |
| Mendocino County California | 1 | $ 285,000 | $ 285,000 | $ 209,000 |
| Shasta County California | 1 | $ 55,000 | $ 55,000 | $ 83,000 |
| Sutter County California | 1 | $ 25,000 | $ 25,000 | $ 141,000 |
| Litchfield County Connecticut | 1 | $ 165,000 | $ 165,000 | $ 463,000 |
| Middlesex County Connecticut | 1 | $ 55,000 | $ 55,000 | $ 154,000 |
| Sussex County Delaware | 1 | $ 185,000 | $ 185,000 | $ 220,000 |
| District of Columbia County District Of Columbia | 1 | $ 375,000 | $ 375,000 | $ 87,000 |
| Okaloosa County Florida | 1 | $ 55,000 | $ 55,000 | $ 333,000 |
| Bartow County Georgia | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Lowndes County Georgia | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Pike County Georgia | 1 | $ 165,000 | $ 165,000 | $ 83,000 |
| Valley County Idaho | 1 | $ 205,000 | $ 205,000 | $ 617,000 |
| Henry County Illinois | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Linn County Iowa | 1 | $ 105,000 | $ 105,000 | $ 72,000 |
| Marshall County Kansas | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| Miami County Kansas | 1 | $ 275,000 | $ 275,000 | $ 327,000 |
| Sedgwick County Kansas | 1 | $ 25,000 | $ 25,000 | $ 87,000 |
| Orleans County Louisiana | 1 | $ 155,000 | $ 155,000 | $ 25,000 |
| Prince George's County Maryland | 1 | $ 245,000 | $ 245,000 | $ 58,000 |
| Sanilac County Michigan | 1 | $ 65,000 | $ 65,000 | $ 107,000 |
| Wayne County Michigan | 1 | $ 335,000 | $ 335,000 | $ 144,000 |
| Hennepin County Minnesota | 1 | $ 465,000 | $ 465,000 | $ 4,033,000 |
| Clark County Nevada | 1 | $ 185,000 | $ 185,000 | $ 24,000 |
| Burlington County New Jersey | 1 | $ 145,000 | $ 145,000 | $ 37,000 |
| Cape May County New Jersey | 1 | $ 35,000 | $ 35,000 | $ 30,000 |
| Middlesex County New Jersey | 1 | $ 135,000 | $ 135,000 | $ 114,000 |
| Ocean County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Bernalillo County New Mexico | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Kings County New York | 1 | $ 225,000 | $ 225,000 | $ 33,000 |
| Rockland County New York | 1 | $ 385,000 | $ 385,000 | $ 166,000 |
| Saratoga County New York | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| Ashe County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 105,000 |
| Catawba County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 59,000 |
| Clay County North Carolina | 1 | $ 595,000 | $ 595,000 | $ 100,000 |
| Craven County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 60,000 |
| Cumberland County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 46,000 |
| Dare County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 420,000 |
| Edgecombe County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 147,000 |
| Graham County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 148,000 |
| Lee County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 106,000 |
| Lenoir County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 36,000 |
| Montgomery County North Carolina | 1 | $ 515,000 | $ 515,000 | $ 163,000 |
| Onslow County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 140,000 |
| Robeson County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 113,000 |
| Scotland County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 91,000 |
| Stanly County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 74,000 |
| Surry County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| Wayne County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 34,000 |
| Wilson County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Hamilton County Ohio | 1 | $ 25,000 | $ 25,000 | $ 165,000 |
| Warren County Ohio | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Tulsa County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 350,000 |
| Columbia County Oregon | 1 | $ 205,000 | $ 205,000 | $ 195,000 |
| Coos County Oregon | 1 | $ 95,000 | $ 95,000 | $ 73,000 |
| Jefferson County Oregon | 1 | $ 95,000 | $ 95,000 | $ 56,000 |
| Lincoln County Oregon | 1 | $ 245,000 | $ 245,000 | $ 106,000 |
| Linn County Oregon | 1 | $ 115,000 | $ 115,000 | $ 145,000 |
| Tillamook County Oregon | 1 | $ 155,000 | $ 155,000 | $ 249,000 |
| Providence County Rhode Island | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Dillon County South Carolina | 1 | $ 5,000 | $ 5,000 | $ 12,000 |
| Fairfield County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 493,000 |
| Jasper County South Carolina | 1 | $ 5,000 | $ 5,000 | $ 48,000 |
| Kershaw County South Carolina | 1 | $ 405,000 | $ 405,000 | $ 122,000 |
| Marion County South Carolina | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Newberry County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 101,000 |
| Sumter County South Carolina | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Union County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 42,000 |
| Anderson County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Bradley County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 121,000 |
| Campbell County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 307,000 |
| Cheatham County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 322,000 |
| Clay County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 147,000 |
| Cocke County Tennessee | 1 | $ 335,000 | $ 335,000 | $ 134,000 |
| Cumberland County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Roane County Tennessee | 1 | $ 445,000 | $ 445,000 | $ 489,000 |
| Sumner County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 220,000 |
| Weber County Utah | 1 | $ 25,000 | $ 25,000 | $ 17,000 |
| Albemarle County Virginia | 1 | $ 205,000 | $ 205,000 | $ 176,000 |
| Carroll County Virginia | 1 | $ 445,000 | $ 445,000 | $ 173,000 |
| Chesterfield County Virginia | 1 | $ 425,000 | $ 425,000 | $ 297,000 |
| Hanover County Virginia | 1 | $ 285,000 | $ 285,000 | $ 63,000 |
| Warren County Virginia | 1 | $ 55,000 | $ 55,000 | $ 144,000 |
| Wythe County Virginia | 1 | $ 15,000 | $ 15,000 | $ 26,000 |
| Clark County Washington | 1 | $ 55,000 | $ 55,000 | $ 212,000 |
| Pierce County Washington | 1 | $ 135,000 | $ 135,000 | $ 0 |
Mortgage Loan Application Detail Totals for Hometrust Bank in 2020
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 | 2,062 | $505,090,000 | $244,000 | $13,905,000 | $191,000 | $2,903,000 |
| Refinancing | 1,498 | $318,050,000 | $212,000 | $6,175,000 | $147,000 | $4,033,000 |
| Other Purpose | 613 | $70,625,000 | $115,000 | $1,805,000 | $156,000 | $3,360,000 |
| Cash-out Refinancing | 421 | $99,665,000 | $236,000 | $1,005,000 | $99,000 | $478,000 |
| Home Improvement | 399 | $34,305,000 | $85,000 | $805,000 | $103,000 | $1,848,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 3,944 | $801,700,000 | $203,000 | $2,795,000 | $155,000 | $4,033,000 |
| Not Provided | 411 | $82,205,000 | $200,000 | $1,385,000 | $202,000 | $3,360,000 |
| Hispanic | 224 | $32,460,000 | $144,000 | $515,000 | $163,000 | $715,000 |
| Asian | 180 | $34,110,000 | $189,000 | $1,075,000 | $193,000 | $979,000 |
| Black or African American | 134 | $15,930,000 | $118,000 | $615,000 | $103,000 | $500,000 |
| Not applicable | 68 | $55,840,000 | $821,000 | $13,905,000 | $0 | $0 |
| American Indian or Alaskan Native | 16 | $2,220,000 | $138,000 | $515,000 | $105,000 | $241,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $930,000 | $155,000 | $395,000 | $130,000 | $357,000 |
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) | 4,904 | $1,011,560,000 | $206,000 | $13,905,000 | $161,000 | $4,033,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 84 | $15,600,000 | $185,000 | $315,000 | $53,000 | $97,000 |
| FHA-insured (Federal Housing Administration) | 5 | $575,000 | $115,000 | $185,000 | $52,000 | $88,000 |
| 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 | 3,488 | $753,880,000 | $216,000 | $6,175,000 | $165,000 | $2,969,000 |
| Application Denied By Financial Institution | 871 | $132,745,000 | $152,000 | $13,905,000 | $123,000 | $4,033,000 |
| Application Withdrawn By Applicant | 516 | $116,150,000 | $225,000 | $2,635,000 | $181,000 | $2,954,000 |
| File Closed For Incompleteness | 65 | $16,055,000 | $247,000 | $1,105,000 | $120,000 | $585,000 |
| Application Approved But Not Accepted | 43 | $6,845,000 | $159,000 | $725,000 | $210,000 | $1,155,000 |
| Preapproval Approved but not Accepted | 7 | $1,305,000 | $186,000 | $265,000 | $81,000 | $301,000 |
| Preapproval Denied by Financial Institution | 3 | $755,000 | $251,000 | $305,000 | $63,000 | $83,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,119 | $894,235,000 | $217,000 | $6,175,000 | $167,000 | $2,969,000 |
| Debt-To-Income Ratio | 295 | $45,755,000 | $155,000 | $705,000 | $85,000 | $535,000 |
| Credit History | 271 | $23,515,000 | $86,000 | $1,305,000 | $90,000 | $1,848,000 |
| Other | 183 | $28,455,000 | $155,000 | $515,000 | $185,000 | $4,033,000 |
| Collateral | 109 | $18,465,000 | $169,000 | $1,005,000 | $216,000 | $3,360,000 |
| Unverifiable Information | 10 | $15,640,000 | $1,564,000 | $13,905,000 | $43,000 | $85,000 |
| Employment History | 3 | $725,000 | $241,000 | $285,000 | $74,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $945,000 | $315,000 | $665,000 | $0 | $0 |
| 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 2020 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.