Hometrust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Hometrust Bank 2021 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 | 5,337 |
| Total Mortgage Loan Application Amount | $1,206,945,000 |
| Average Mortgage Loan Application Amount | $196,600 |
| Highest Mortgage Loan Application Amount | $27,185,000 |
| Average Applicant Income | $142,200 |
| Highest Applicant Income | $4,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 966 | $ 261,930,000 | $ 271,000 | $ 137,000 |
| Henderson County North Carolina | 323 | $ 102,485,000 | $ 317,000 | $ 105,000 |
| Haywood County North Carolina | 316 | $ 61,740,000 | $ 195,000 | $ 105,000 |
| Greenville County South Carolina | 245 | $ 61,975,000 | $ 252,000 | $ 138,000 |
| Polk County North Carolina | 180 | $ 39,620,000 | $ 220,000 | $ 104,000 |
| Cleveland County North Carolina | 158 | $ 22,970,000 | $ 145,000 | $ 83,000 |
| Los Angeles County California | 140 | $ 31,840,000 | $ 227,000 | $ 253,000 |
| Wake County North Carolina | 131 | $ 73,365,000 | $ 560,000 | $ 203,000 |
| Miami-Dade County Florida | 127 | $ 16,655,000 | $ 131,000 | $ 176,000 |
| Rockingham County North Carolina | 110 | $ 10,030,000 | $ 91,000 | $ 78,000 |
| Rutherford County North Carolina | 99 | $ 18,685,000 | $ 188,000 | $ 124,000 |
| Hamblen County Tennessee | 73 | $ 22,015,000 | $ 301,000 | $ 97,000 |
| Spartanburg County South Carolina | 71 | $ 15,015,000 | $ 211,000 | $ 119,000 |
| Mecklenburg County North Carolina | 70 | $ 21,760,000 | $ 310,000 | $ 210,000 |
| Broward County Florida | 69 | $ 9,165,000 | $ 132,000 | $ 186,000 |
| Riverside County California | 64 | $ 7,060,000 | $ 110,000 | $ 179,000 |
| Roanoke County Virginia | 57 | $ 8,435,000 | $ 147,000 | $ 94,000 |
| Alameda County California | 56 | $ 10,030,000 | $ 179,000 | $ 242,000 |
| Washington County Tennessee | 53 | $ 9,675,000 | $ 182,000 | $ 111,000 |
| Orange County California | 51 | $ 10,215,000 | $ 200,000 | $ 247,000 |
| San Diego County California | 51 | $ 10,635,000 | $ 208,000 | $ 351,000 |
| Santa Clara County California | 51 | $ 10,815,000 | $ 212,000 | $ 264,000 |
| Madison County North Carolina | 51 | $ 12,535,000 | $ 245,000 | $ 100,000 |
| San Joaquin County California | 50 | $ 7,240,000 | $ 144,000 | $ 166,000 |
| Anderson County South Carolina | 50 | $ 16,540,000 | $ 330,000 | $ 188,000 |
| Sullivan County Tennessee | 49 | $ 5,375,000 | $ 109,000 | $ 114,000 |
| Contra Costa County California | 46 | $ 9,640,000 | $ 209,000 | $ 269,000 |
| Gaston County North Carolina | 40 | $ 5,240,000 | $ 131,000 | $ 100,000 |
| Roanoke City County Virginia | 40 | $ 6,930,000 | $ 173,000 | $ 67,000 |
| King County Washington | 39 | $ 9,725,000 | $ 249,000 | $ 244,000 |
| Union County North Carolina | 38 | $ 14,170,000 | $ 372,000 | $ 214,000 |
| Maricopa County Arizona | 35 | $ 4,785,000 | $ 136,000 | $ 213,000 |
| Davidson County North Carolina | 34 | $ 2,920,000 | $ 85,000 | $ 70,000 |
| Knox County Tennessee | 34 | $ 7,380,000 | $ 217,000 | $ 122,000 |
| San Bernardino County California | 32 | $ 3,550,000 | $ 110,000 | $ 172,000 |
| McDowell County North Carolina | 29 | $ 8,285,000 | $ 285,000 | $ 169,000 |
| Pickens County South Carolina | 29 | $ 8,365,000 | $ 288,000 | $ 230,000 |
| Palm Beach County Florida | 28 | $ 4,270,000 | $ 152,000 | $ 252,000 |
| Clark County Nevada | 28 | $ 5,010,000 | $ 178,000 | $ 255,000 |
| Oconee County South Carolina | 27 | $ 8,025,000 | $ 297,000 | $ 227,000 |
| Jackson County North Carolina | 26 | $ 10,080,000 | $ 387,000 | $ 166,000 |
| Sacramento County California | 25 | $ 3,285,000 | $ 131,000 | $ 216,000 |
| Botetourt County Virginia | 25 | $ 2,975,000 | $ 119,000 | $ 91,000 |
| Utah County Utah | 22 | $ 3,910,000 | $ 177,000 | $ 188,000 |
| Placer County California | 20 | $ 2,640,000 | $ 132,000 | $ 206,000 |
| Transylvania County North Carolina | 20 | $ 6,230,000 | $ 311,000 | $ 142,000 |
| Williamson County Tennessee | 20 | $ 3,870,000 | $ 193,000 | $ 293,000 |
| Danville County Virginia | 20 | $ 1,320,000 | $ 66,000 | $ 46,000 |
| San Mateo County California | 19 | $ 4,255,000 | $ 223,000 | $ 277,000 |
| Salt Lake County Utah | 19 | $ 3,885,000 | $ 204,000 | $ 215,000 |
| Grainger County Tennessee | 18 | $ 1,630,000 | $ 90,000 | $ 156,000 |
| Ventura County California | 17 | $ 3,005,000 | $ 176,000 | $ 282,000 |
| Jefferson County Tennessee | 17 | $ 2,195,000 | $ 129,000 | $ 74,000 |
| Pittsylvania County Virginia | 17 | $ 1,355,000 | $ 79,000 | $ 102,000 |
| Davidson County Tennessee | 16 | $ 2,190,000 | $ 136,000 | $ 164,000 |
| Bedford County Virginia | 16 | $ 2,280,000 | $ 142,000 | $ 68,000 |
| San Francisco County California | 15 | $ 3,205,000 | $ 213,000 | $ 285,000 |
| Orange County Florida | 15 | $ 2,915,000 | $ 194,000 | $ 239,000 |
| Ada County Idaho | 14 | $ 3,160,000 | $ 225,000 | $ 238,000 |
| Clackamas County Oregon | 14 | $ 2,680,000 | $ 191,000 | $ 246,000 |
| Washington County Oregon | 14 | $ 1,590,000 | $ 113,000 | $ 190,000 |
| Solano County California | 13 | $ 1,495,000 | $ 115,000 | $ 172,000 |
| Hawkins County Tennessee | 13 | $ 2,475,000 | $ 190,000 | $ 93,000 |
| Snohomish County Washington | 13 | $ 2,315,000 | $ 178,000 | $ 223,000 |
| Sonoma County California | 12 | $ 1,640,000 | $ 136,000 | $ 181,000 |
| Fairfield County Connecticut | 11 | $ 1,445,000 | $ 131,000 | $ 238,000 |
| Pinellas County Florida | 11 | $ 1,695,000 | $ 154,000 | $ 317,000 |
| Catawba County North Carolina | 11 | $ 4,415,000 | $ 401,000 | $ 189,000 |
| Guilford County North Carolina | 11 | $ 1,945,000 | $ 176,000 | $ 126,000 |
| Lincoln County North Carolina | 11 | $ 2,385,000 | $ 216,000 | $ 93,000 |
| Santa Cruz County California | 10 | $ 2,460,000 | $ 246,000 | $ 264,000 |
| Stanislaus County California | 10 | $ 1,560,000 | $ 156,000 | $ 240,000 |
| Hillsborough County Florida | 10 | $ 1,280,000 | $ 128,000 | $ 201,000 |
| Kootenai County Idaho | 10 | $ 1,260,000 | $ 126,000 | $ 210,000 |
| Durham County North Carolina | 10 | $ 2,110,000 | $ 211,000 | $ 96,000 |
| Charleston County South Carolina | 10 | $ 2,980,000 | $ 298,000 | $ 292,000 |
| Cherokee County South Carolina | 10 | $ 1,610,000 | $ 161,000 | $ 91,000 |
| Henry County Virginia | 10 | $ 540,000 | $ 54,000 | $ 66,000 |
| Burke County North Carolina | 9 | $ 3,455,000 | $ 383,000 | $ 257,000 |
| Laurens County South Carolina | 9 | $ 2,205,000 | $ 245,000 | $ 103,000 |
| Loudoun County Virginia | 9 | $ 1,735,000 | $ 192,000 | $ 226,000 |
| El Dorado County California | 8 | $ 1,230,000 | $ 153,000 | $ 191,000 |
| Orange County North Carolina | 8 | $ 4,100,000 | $ 512,000 | $ 192,000 |
| Watauga County North Carolina | 8 | $ 1,850,000 | $ 231,000 | $ 263,000 |
| Yancey County North Carolina | 8 | $ 1,630,000 | $ 203,000 | $ 79,000 |
| Multnomah County Oregon | 8 | $ 1,300,000 | $ 162,000 | $ 213,000 |
| Sevier County Tennessee | 8 | $ 4,480,000 | $ 560,000 | $ 415,000 |
| Pierce County Washington | 8 | $ 1,430,000 | $ 178,000 | $ 201,000 |
| Chatham County North Carolina | 7 | $ 3,085,000 | $ 440,000 | $ 240,000 |
| Swain County North Carolina | 7 | $ 1,865,000 | $ 266,000 | $ 193,000 |
| Carter County Tennessee | 7 | $ 685,000 | $ 97,000 | $ 108,000 |
| Hamilton County Tennessee | 7 | $ 705,000 | $ 100,000 | $ 197,000 |
| Franklin County Virginia | 7 | $ 1,285,000 | $ 183,000 | $ 92,000 |
| Clark County Washington | 7 | $ 1,595,000 | $ 227,000 | $ 180,000 |
| Marin County California | 6 | $ 920,000 | $ 153,000 | $ 295,000 |
| Nevada County California | 6 | $ 1,100,000 | $ 183,000 | $ 227,000 |
| San Luis Obispo County California | 6 | $ 1,400,000 | $ 233,000 | $ 200,000 |
| St. Johns County Florida | 6 | $ 1,130,000 | $ 188,000 | $ 209,000 |
| Cobb County Georgia | 6 | $ 1,460,000 | $ 243,000 | $ 229,000 |
| Fulton County Georgia | 6 | $ 990,000 | $ 165,000 | $ 418,000 |
| Washoe County Nevada | 6 | $ 620,000 | $ 103,000 | $ 183,000 |
| Brunswick County North Carolina | 6 | $ 990,000 | $ 165,000 | $ 133,000 |
| Forsyth County North Carolina | 6 | $ 1,250,000 | $ 208,000 | $ 94,000 |
| Iredell County North Carolina | 6 | $ 2,870,000 | $ 478,000 | $ 248,000 |
| New Hanover County North Carolina | 6 | $ 2,430,000 | $ 405,000 | $ 174,000 |
| Beaufort County South Carolina | 6 | $ 2,150,000 | $ 358,000 | $ 226,000 |
| Lancaster County South Carolina | 6 | $ 2,740,000 | $ 456,000 | $ 154,000 |
| York County South Carolina | 6 | $ 1,520,000 | $ 253,000 | $ 218,000 |
| Spokane County Washington | 6 | $ 610,000 | $ 101,000 | $ 207,000 |
| Fresno County California | 5 | $ 1,205,000 | $ 241,000 | $ 268,000 |
| Monterey County California | 5 | $ 1,225,000 | $ 245,000 | $ 308,000 |
| Douglas County Colorado | 5 | $ 985,000 | $ 197,000 | $ 203,000 |
| Martin County Florida | 5 | $ 695,000 | $ 139,000 | $ 152,000 |
| Seminole County Florida | 5 | $ 545,000 | $ 109,000 | $ 186,000 |
| Carteret County North Carolina | 5 | $ 1,915,000 | $ 383,000 | $ 582,000 |
| Cumberland County North Carolina | 5 | $ 345,000 | $ 69,000 | $ 40,000 |
| Johnston County North Carolina | 5 | $ 1,885,000 | $ 377,000 | $ 149,000 |
| Mitchell County North Carolina | 5 | $ 1,985,000 | $ 397,000 | $ 344,000 |
| Pender County North Carolina | 5 | $ 2,155,000 | $ 431,000 | $ 195,000 |
| Wilkes County North Carolina | 5 | $ 1,485,000 | $ 297,000 | $ 140,000 |
| Berkeley County South Carolina | 5 | $ 1,085,000 | $ 217,000 | $ 73,000 |
| Greene County Tennessee | 5 | $ 645,000 | $ 129,000 | $ 56,000 |
| Fairfax County Virginia | 5 | $ 1,075,000 | $ 215,000 | $ 187,000 |
| Salem County Virginia | 5 | $ 1,575,000 | $ 315,000 | $ 220,000 |
| Kitsap County Washington | 5 | $ 875,000 | $ 175,000 | $ 212,000 |
| Butte County California | 4 | $ 660,000 | $ 165,000 | $ 223,000 |
| Kern County California | 4 | $ 810,000 | $ 202,000 | $ 226,000 |
| Santa Barbara County California | 4 | $ 500,000 | $ 125,000 | $ 229,000 |
| Yolo County California | 4 | $ 310,000 | $ 77,000 | $ 156,000 |
| Jefferson County Colorado | 4 | $ 630,000 | $ 157,000 | $ 145,000 |
| New Castle County Delaware | 4 | $ 310,000 | $ 77,000 | $ 166,000 |
| Sussex County Delaware | 4 | $ 760,000 | $ 190,000 | $ 187,000 |
| Manatee County Florida | 4 | $ 1,170,000 | $ 292,000 | $ 285,000 |
| Sarasota County Florida | 4 | $ 520,000 | $ 130,000 | $ 204,000 |
| Cabarrus County North Carolina | 4 | $ 860,000 | $ 215,000 | $ 61,000 |
| Caldwell County North Carolina | 4 | $ 1,660,000 | $ 415,000 | $ 295,000 |
| Onslow County North Carolina | 4 | $ 3,100,000 | $ 775,000 | $ 142,000 |
| Horry County South Carolina | 4 | $ 980,000 | $ 245,000 | $ 109,000 |
| Newberry County South Carolina | 4 | $ 1,040,000 | $ 260,000 | $ 98,000 |
| Loudon County Tennessee | 4 | $ 450,000 | $ 112,000 | $ 130,000 |
| Rutherford County Tennessee | 4 | $ 450,000 | $ 112,000 | $ 177,000 |
| Shelby County Tennessee | 4 | $ 390,000 | $ 97,000 | $ 82,000 |
| Washington County Utah | 4 | $ 610,000 | $ 152,000 | $ 170,000 |
| Pulaski County Virginia | 4 | $ 850,000 | $ 212,000 | $ 0 |
| Island County Washington | 4 | $ 710,000 | $ 177,000 | $ 258,000 |
| Coconino County Arizona | 3 | $ 345,000 | $ 115,000 | $ 207,000 |
| Pima County Arizona | 3 | $ 795,000 | $ 265,000 | $ 360,000 |
| Denver County Colorado | 3 | $ 525,000 | $ 175,000 | $ 249,000 |
| New Haven County Connecticut | 3 | $ 405,000 | $ 135,000 | $ 213,000 |
| Indian River County Florida | 3 | $ 875,000 | $ 291,000 | $ 266,000 |
| Lee County Florida | 3 | $ 395,000 | $ 131,000 | $ 280,000 |
| Osceola County Florida | 3 | $ 285,000 | $ 95,000 | $ 231,000 |
| Forsyth County Georgia | 3 | $ 195,000 | $ 65,000 | $ 256,000 |
| Canyon County Idaho | 3 | $ 355,000 | $ 118,000 | $ 117,000 |
| Cherokee County North Carolina | 3 | $ 695,000 | $ 231,000 | $ 101,000 |
| Person County North Carolina | 3 | $ 1,875,000 | $ 625,000 | $ 497,000 |
| Rowan County North Carolina | 3 | $ 145,000 | $ 48,000 | $ 70,000 |
| Tulsa County Oklahoma | 3 | $ 625,000 | $ 208,000 | $ 256,000 |
| Deschutes County Oregon | 3 | $ 775,000 | $ 258,000 | $ 232,000 |
| Marion County Oregon | 3 | $ 585,000 | $ 195,000 | $ 354,000 |
| Fairfield County South Carolina | 3 | $ 595,000 | $ 198,000 | $ 277,000 |
| Georgetown County South Carolina | 3 | $ 845,000 | $ 281,000 | $ 267,000 |
| Lexington County South Carolina | 3 | $ 305,000 | $ 101,000 | $ 53,000 |
| Blount County Tennessee | 3 | $ 305,000 | $ 101,000 | $ 53,000 |
| McMinn County Tennessee | 3 | $ 15,000 | $ 5,000 | $ 17,000 |
| Davis County Utah | 3 | $ 345,000 | $ 115,000 | $ 113,000 |
| Lee County Virginia | 3 | $ 35,000 | $ 11,000 | $ 1,417,000 |
| Nelson County Virginia | 3 | $ 515,000 | $ 171,000 | $ 0 |
| Prince William County Virginia | 3 | $ 325,000 | $ 108,000 | $ 145,000 |
| Washington County Virginia | 3 | $ 135,000 | $ 45,000 | $ 79,000 |
| Navajo County Arizona | 2 | $ 320,000 | $ 160,000 | $ 508,000 |
| Calaveras County California | 2 | $ 190,000 | $ 95,000 | $ 102,000 |
| San Benito County California | 2 | $ 420,000 | $ 210,000 | $ 216,000 |
| El Paso County Colorado | 2 | $ 250,000 | $ 125,000 | $ 156,000 |
| Brevard County Florida | 2 | $ 220,000 | $ 110,000 | $ 106,000 |
| Polk County Florida | 2 | $ 100,000 | $ 50,000 | $ 100,000 |
| Volusia County Florida | 2 | $ 270,000 | $ 135,000 | $ 388,000 |
| Walton County Florida | 2 | $ 340,000 | $ 170,000 | $ 380,000 |
| Chatham County Georgia | 2 | $ 200,000 | $ 100,000 | $ 193,000 |
| Dawson County Georgia | 2 | $ 310,000 | $ 155,000 | $ 122,000 |
| DeKalb County Georgia | 2 | $ 370,000 | $ 185,000 | $ 196,000 |
| Bonneville County Idaho | 2 | $ 260,000 | $ 130,000 | $ 136,000 |
| Fremont County Idaho | 2 | $ 160,000 | $ 80,000 | $ 112,000 |
| Alamance County North Carolina | 2 | $ 160,000 | $ 80,000 | $ 42,000 |
| Ashe County North Carolina | 2 | $ 280,000 | $ 140,000 | $ 44,000 |
| Macon County North Carolina | 2 | $ 240,000 | $ 120,000 | $ 63,000 |
| Nash County North Carolina | 2 | $ 10,000 | $ 5,000 | $ 30,000 |
| Pitt County North Carolina | 2 | $ 60,000 | $ 30,000 | $ 327,000 |
| Sampson County North Carolina | 2 | $ 40,000 | $ 20,000 | $ 19,000 |
| Stokes County North Carolina | 2 | $ 300,000 | $ 150,000 | $ 45,000 |
| Columbia County Oregon | 2 | $ 210,000 | $ 105,000 | $ 176,000 |
| Lincoln County Oregon | 2 | $ 570,000 | $ 285,000 | $ 193,000 |
| Polk County Oregon | 2 | $ 120,000 | $ 60,000 | $ 125,000 |
| Yamhill County Oregon | 2 | $ 410,000 | $ 205,000 | $ 254,000 |
| Greenwood County South Carolina | 2 | $ 210,000 | $ 105,000 | $ 18,000 |
| Sumter County South Carolina | 2 | $ 370,000 | $ 185,000 | $ 148,000 |
| Cocke County Tennessee | 2 | $ 250,000 | $ 125,000 | $ 70,000 |
| Roane County Tennessee | 2 | $ 1,570,000 | $ 785,000 | $ 0 |
| Sequatchie County Tennessee | 2 | $ 70,000 | $ 35,000 | $ 90,000 |
| Weber County Utah | 2 | $ 440,000 | $ 220,000 | $ 158,000 |
| Carroll County Virginia | 2 | $ 230,000 | $ 115,000 | $ 59,000 |
| Craig County Virginia | 2 | $ 440,000 | $ 220,000 | $ 42,000 |
| Scott County Virginia | 2 | $ 180,000 | $ 90,000 | $ 54,000 |
| Pinal County Arizona | 1 | $ 285,000 | $ 285,000 | $ 251,000 |
| Amador County California | 1 | $ 135,000 | $ 135,000 | $ 207,000 |
| Humboldt County California | 1 | $ 415,000 | $ 415,000 | $ 252,000 |
| Madera County California | 1 | $ 55,000 | $ 55,000 | $ 68,000 |
| Shasta County California | 1 | $ 115,000 | $ 115,000 | $ 224,000 |
| Tulare County California | 1 | $ 65,000 | $ 65,000 | $ 173,000 |
| Yuba County California | 1 | $ 135,000 | $ 135,000 | $ 167,000 |
| Adams County Colorado | 1 | $ 105,000 | $ 105,000 | $ 121,000 |
| Arapahoe County Colorado | 1 | $ 65,000 | $ 65,000 | $ 134,000 |
| Boulder County Colorado | 1 | $ 55,000 | $ 55,000 | $ 265,000 |
| Summit County Colorado | 1 | $ 215,000 | $ 215,000 | $ 176,000 |
| Weld County Colorado | 1 | $ 175,000 | $ 175,000 | $ 133,000 |
| Hartford County Connecticut | 1 | $ 65,000 | $ 65,000 | $ 124,000 |
| Bay County Florida | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Clay County Florida | 1 | $ 55,000 | $ 55,000 | $ 67,000 |
| Duval County Florida | 1 | $ 305,000 | $ 305,000 | $ 335,000 |
| Escambia County Florida | 1 | $ 55,000 | $ 55,000 | $ 165,000 |
| Hernando County Florida | 1 | $ 505,000 | $ 505,000 | $ 210,000 |
| Lake County Florida | 1 | $ 105,000 | $ 105,000 | $ 135,000 |
| Okaloosa County Florida | 1 | $ 345,000 | $ 345,000 | $ 194,000 |
| St. Lucie County Florida | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Bulloch County Georgia | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| Cherokee County Georgia | 1 | $ 255,000 | $ 255,000 | $ 339,000 |
| Fannin County Georgia | 1 | $ 105,000 | $ 105,000 | $ 380,000 |
| Fayette County Georgia | 1 | $ 105,000 | $ 105,000 | $ 265,000 |
| Greene County Georgia | 1 | $ 275,000 | $ 275,000 | $ 396,000 |
| Gwinnett County Georgia | 1 | $ 65,000 | $ 65,000 | $ 126,000 |
| Pike County Georgia | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Bingham County Idaho | 1 | $ 65,000 | $ 65,000 | $ 91,000 |
| Teton County Idaho | 1 | $ 135,000 | $ 135,000 | $ 90,000 |
| Johnson County Kansas | 1 | $ 85,000 | $ 85,000 | $ 261,000 |
| Avery County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 49,000 |
| Bladen County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Caswell County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 63,000 |
| Clay County North Carolina | 1 | $ 435,000 | $ 435,000 | $ 222,000 |
| Columbus County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 25,000 |
| Currituck County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 162,000 |
| Davie County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 110,000 |
| Edgecombe County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 42,000 |
| Graham County North Carolina | 1 | $ 645,000 | $ 645,000 | $ 194,000 |
| Halifax County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 402,000 |
| Richmond County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 16,000 |
| Stanly County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 22,000 |
| Surry County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 88,000 |
| Vance County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 11,000 |
| Warren County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 1,283,000 |
| Washington County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Wayne County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 433,000 |
| McCurtain County Oklahoma | 1 | $ 385,000 | $ 385,000 | $ 223,000 |
| Clatsop County Oregon | 1 | $ 65,000 | $ 65,000 | $ 230,000 |
| Crook County Oregon | 1 | $ 225,000 | $ 225,000 | $ 157,000 |
| Jackson County Oregon | 1 | $ 55,000 | $ 55,000 | $ 193,000 |
| Lane County Oregon | 1 | $ 145,000 | $ 145,000 | $ 191,000 |
| Abbeville County South Carolina | 1 | $ 295,000 | $ 295,000 | $ 309,000 |
| Calhoun County South Carolina | 1 | $ 655,000 | $ 655,000 | $ 165,000 |
| Chester County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 16,000 |
| Chesterfield County South Carolina | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Colleton County South Carolina | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Dillon County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Dorchester County South Carolina | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| Florence County South Carolina | 1 | $ 275,000 | $ 275,000 | $ 169,000 |
| Marion County South Carolina | 1 | $ 5,000 | $ 5,000 | $ 19,000 |
| McCormick County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 532,000 |
| Orangeburg County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Saluda County South Carolina | 1 | $ 15,000 | $ 15,000 | $ 44,000 |
| Union County South Carolina | 1 | $ 15,000 | $ 15,000 | $ 97,000 |
| Bedford County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 119,000 |
| Campbell County Tennessee | 1 | $ 425,000 | $ 425,000 | $ 76,000 |
| Claiborne County Tennessee | 1 | $ 5,000 | $ 5,000 | $ 24,000 |
| Hancock County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 136,000 |
| Johnson County Tennessee | 1 | $ 485,000 | $ 485,000 | $ 245,000 |
| Marshall County Tennessee | 1 | $ 295,000 | $ 295,000 | $ 175,000 |
| Maury County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Putnam County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 90,000 |
| Rhea County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 199,000 |
| Scott County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 81,000 |
| Unicoi County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Wilson County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Hill County Texas | 1 | $ 75,000 | $ 75,000 | $ 19,000 |
| Iron County Utah | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| Wasatch County Utah | 1 | $ 435,000 | $ 435,000 | $ 681,000 |
| Accomack County Virginia | 1 | $ 245,000 | $ 245,000 | $ 75,000 |
| Alleghany County Virginia | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Bristol County Virginia | 1 | $ 185,000 | $ 185,000 | $ 86,000 |
| Fairfax City County Virginia | 1 | $ 75,000 | $ 75,000 | $ 306,000 |
| Martinsville County Virginia | 1 | $ 25,000 | $ 25,000 | $ 27,000 |
| Patrick County Virginia | 1 | $ 5,000 | $ 5,000 | $ 34,000 |
| Rockbridge County Virginia | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Rockingham County Virginia | 1 | $ 135,000 | $ 135,000 | $ 62,000 |
| Spotsylvania County Virginia | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Tazewell County Virginia | 1 | $ 5,000 | $ 5,000 | $ 44,000 |
| Waynesboro County Virginia | 1 | $ 5,000 | $ 5,000 | $ 32,000 |
| Benton County Washington | 1 | $ 105,000 | $ 105,000 | $ 195,000 |
| Chelan County Washington | 1 | $ 105,000 | $ 105,000 | $ 240,000 |
| Cowlitz County Washington | 1 | $ 115,000 | $ 115,000 | $ 153,000 |
| Kittitas County Washington | 1 | $ 115,000 | $ 115,000 | $ 97,000 |
| Mason County Washington | 1 | $ 105,000 | $ 105,000 | $ 151,000 |
| San Juan County Washington | 1 | $ 265,000 | $ 265,000 | $ 328,000 |
| Skagit County Washington | 1 | $ 65,000 | $ 65,000 | $ 119,000 |
| Whatcom County Washington | 1 | $ 135,000 | $ 135,000 | $ 108,000 |
| Yakima County Washington | 1 | $ 135,000 | $ 135,000 | $ 265,000 |
| Lincoln County Wyoming | 1 | $ 105,000 | $ 105,000 | $ 235,000 |
Mortgage Loan Application Detail Totals for Hometrust Bank in 2021
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 | 2,194 | $620,510,000 | $282,000 | $27,185,000 | $185,000 | $4,200,000 |
| Refinancing | 1,245 | $303,585,000 | $243,000 | $5,305,000 | $148,000 | $4,052,000 |
| Other Purpose | 781 | $98,995,000 | $126,000 | $875,000 | $160,000 | $1,800,000 |
| Home Improvement | 574 | $56,370,000 | $98,000 | $1,005,000 | $110,000 | $1,169,000 |
| Cash-out Refinancing | 543 | $127,485,000 | $234,000 | $1,505,000 | $108,000 | $1,194,000 |
| 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 | 3,934 | $846,200,000 | $215,000 | $3,905,000 | $151,000 | $4,200,000 |
| Not Provided | 484 | $111,530,000 | $230,000 | $1,595,000 | $191,000 | $1,994,000 |
| Hispanic | 300 | $48,970,000 | $163,000 | $1,005,000 | $168,000 | $1,387,000 |
| Asian | 286 | $58,070,000 | $203,000 | $1,505,000 | $206,000 | $997,000 |
| Black or African American | 201 | $26,635,000 | $132,000 | $545,000 | $105,000 | $384,000 |
| Not applicable | 76 | $105,640,000 | $1,390,000 | $27,185,000 | $0 | $0 |
| American Indian or Alaskan Native | 42 | $5,630,000 | $134,000 | $805,000 | $95,000 | $336,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,175,000 | $167,000 | $285,000 | $165,000 | $287,000 |
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) | 5,273 | $1,194,495,000 | $226,000 | $27,185,000 | $158,000 | $4,200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 60 | $11,470,000 | $191,000 | $325,000 | $54,000 | $113,000 |
| VA-guaranteed (Veterans Administration) | 2 | $800,000 | $400,000 | $475,000 | $84,000 | $116,000 |
| FHA-insured (Federal Housing Administration) | 2 | $180,000 | $90,000 | $105,000 | $72,000 | $109,000 |
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 | 3,851 | $939,175,000 | $243,000 | $27,185,000 | $166,000 | $4,052,000 |
| Application Denied By Financial Institution | 941 | $125,085,000 | $132,000 | $1,505,000 | $105,000 | $4,200,000 |
| Application Withdrawn By Applicant | 406 | $109,290,000 | $269,000 | $3,905,000 | $175,000 | $1,387,000 |
| File Closed For Incompleteness | 97 | $25,225,000 | $260,000 | $1,525,000 | $175,000 | $1,994,000 |
| Application Approved But Not Accepted | 41 | $8,035,000 | $195,000 | $925,000 | $272,000 | $2,609,000 |
| Preapproval Approved but not Accepted | 1 | $135,000 | $135,000 | $135,000 | $30,000 | $30,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 4,396 | $1,081,860,000 | $246,000 | $27,185,000 | $168,000 | $4,052,000 |
| Credit History | 359 | $27,095,000 | $75,000 | $745,000 | $91,000 | $4,200,000 |
| Debt-To-Income Ratio | 345 | $60,475,000 | $175,000 | $1,005,000 | $90,000 | $511,000 |
| Collateral | 132 | $19,310,000 | $146,000 | $755,000 | $146,000 | $1,200,000 |
| Other | 93 | $14,715,000 | $158,000 | $925,000 | $154,000 | $671,000 |
| Unverifiable Information | 6 | $2,880,000 | $480,000 | $1,505,000 | $231,000 | $649,000 |
| Employment History | 6 | $610,000 | $101,000 | $175,000 | $60,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $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 2021 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.