Hometrust Bank Mortgage Lending & HMDA Data, 2022
In 2022, Hometrust Bank of Asheville, NC reported 3,723 mortgage applications totaling $855.5 million, down 30% from 2021. The average application was for $229,778, and applicants reported an average income of $170,903. 66% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Asheville, NC (1,016), Greenville-Anderson-Mauldin, SC (243) and Charlotte-Concord-Gastonia, NC-SC (195) (applications in parentheses).
| Mortgage Company & Address | Hometrust Bank Po Box 10 Asheville, NC 28802 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 3,723 |
| Total Mortgage Loan Application Amount | $855,465,000 |
| Average Mortgage Loan Application Amount | $229,778 |
| Highest Mortgage Loan Application Amount | $5,405,000 |
| Average Applicant Income | $170,903 |
| Highest Applicant Income | $5,640,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hometrust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Buncombe, North Carolina | 564 | $ 160,200,000 | $ 284,042 | $ 165,000 |
| Haywood, North Carolina | 212 | $ 55,630,000 | $ 262,405 | $ 129,000 |
| Henderson, North Carolina | 197 | $ 48,865,000 | $ 248,045 | $ 144,000 |
| Greenville, South Carolina | 171 | $ 44,135,000 | $ 258,099 | $ 146,000 |
| Rockingham, North Carolina | 108 | $ 10,080,000 | $ 93,333 | $ 66,000 |
| Polk, North Carolina | 105 | $ 25,135,000 | $ 239,380 | $ 145,000 |
| Wake, North Carolina | 94 | $ 29,530,000 | $ 314,148 | $ 243,000 |
| Mecklenburg, North Carolina | 84 | $ 27,460,000 | $ 326,904 | $ 204,000 |
| Miami-Dade, Florida | 79 | $ 9,785,000 | $ 123,860 | $ 159,000 |
| Cleveland, North Carolina | 79 | $ 13,705,000 | $ 173,481 | $ 103,000 |
| Los Angeles, California | 75 | $ 16,185,000 | $ 215,800 | $ 236,000 |
| Rutherford, North Carolina | 57 | $ 12,605,000 | $ 221,140 | $ 102,000 |
| Spartanburg, South Carolina | 53 | $ 10,435,000 | $ 196,886 | $ 117,000 |
| Roanoke, Virginia | 51 | $ 9,085,000 | $ 178,137 | $ 111,000 |
| King, Washington | 50 | $ 10,000,000 | $ 200,000 | $ 300,000 |
| Maricopa, Arizona | 49 | $ 9,765,000 | $ 199,285 | $ 211,000 |
| Hamblen, Tennessee | 48 | $ 6,730,000 | $ 140,208 | $ 78,000 |
| Washington, Tennessee | 48 | $ 9,220,000 | $ 192,083 | $ 174,000 |
| Madison, North Carolina | 43 | $ 10,735,000 | $ 249,651 | $ 109,000 |
| San Diego, California | 40 | $ 8,490,000 | $ 212,250 | $ 259,000 |
| Sullivan, Tennessee | 40 | $ 6,370,000 | $ 159,250 | $ 122,000 |
| Anderson, South Carolina | 35 | $ 10,935,000 | $ 312,428 | $ 143,000 |
| Riverside, California | 34 | $ 6,150,000 | $ 180,882 | $ 229,000 |
| Davidson, North Carolina | 33 | $ 3,205,000 | $ 97,121 | $ 66,000 |
| Gaston, North Carolina | 33 | $ 5,385,000 | $ 163,181 | $ 133,000 |
| Orange, California | 30 | $ 7,430,000 | $ 247,666 | $ 300,000 |
| Roanoke City, Virginia | 30 | $ 4,260,000 | $ 142,000 | $ 76,000 |
| Broward, Florida | 29 | $ 3,635,000 | $ 125,344 | $ 182,000 |
| Union, North Carolina | 29 | $ 13,145,000 | $ 453,275 | $ 222,000 |
| Knox, Tennessee | 25 | $ 5,755,000 | $ 230,200 | $ 203,000 |
| Santa Clara, California | 24 | $ 4,750,000 | $ 197,916 | $ 301,000 |
| Alameda, California | 23 | $ 3,705,000 | $ 161,086 | $ 274,000 |
| Clark, Nevada | 22 | $ 4,510,000 | $ 205,000 | $ 263,000 |
| Pickens, South Carolina | 22 | $ 7,380,000 | $ 335,454 | $ 174,000 |
| San Joaquin, California | 21 | $ 3,075,000 | $ 146,428 | $ 191,000 |
| Contra Costa, California | 20 | $ 4,110,000 | $ 205,500 | $ 281,000 |
| McDowell, North Carolina | 20 | $ 7,640,000 | $ 382,000 | $ 154,000 |
| Salt Lake, Utah | 19 | $ 2,545,000 | $ 133,947 | $ 218,000 |
| Palm Beach, Florida | 18 | $ 3,420,000 | $ 190,000 | $ 219,000 |
| Ada, Idaho | 18 | $ 3,340,000 | $ 185,555 | $ 248,000 |
| Williamson, Tennessee | 18 | $ 4,180,000 | $ 232,222 | $ 235,000 |
| Clackamas, Oregon | 17 | $ 3,375,000 | $ 198,529 | $ 424,000 |
| Pierce, Washington | 16 | $ 2,340,000 | $ 146,250 | $ 199,000 |
| Snohomish, Washington | 16 | $ 2,380,000 | $ 148,750 | $ 179,000 |
| San Bernardino, California | 15 | $ 1,885,000 | $ 125,666 | $ 248,000 |
| Jackson, North Carolina | 15 | $ 4,645,000 | $ 309,666 | $ 133,000 |
| Laurens, South Carolina | 15 | $ 3,275,000 | $ 218,333 | $ 82,000 |
| York, South Carolina | 15 | $ 4,045,000 | $ 269,666 | $ 111,000 |
| Transylvania, North Carolina | 13 | $ 4,545,000 | $ 349,615 | $ 163,000 |
| Multnomah, Oregon | 13 | $ 1,945,000 | $ 149,615 | $ 205,000 |
| Jefferson, Tennessee | 13 | $ 2,545,000 | $ 195,769 | $ 124,000 |
| Guilford, North Carolina | 12 | $ 1,370,000 | $ 114,166 | $ 109,000 |
| Washoe, Nevada | 11 | $ 1,815,000 | $ 165,000 | $ 220,000 |
| Johnston, North Carolina | 11 | $ 6,835,000 | $ 621,363 | $ 139,000 |
| Yancey, North Carolina | 11 | $ 3,495,000 | $ 317,727 | $ 122,000 |
| Utah, Utah | 11 | $ 3,225,000 | $ 293,181 | $ 225,000 |
| Botetourt, Virginia | 11 | $ 1,905,000 | $ 173,181 | $ 126,000 |
| Pittsylvania, Virginia | 11 | $ 1,205,000 | $ 109,545 | $ 73,000 |
| Fresno, California | 10 | $ 2,060,000 | $ 206,000 | $ 323,000 |
| Sacramento, California | 10 | $ 1,400,000 | $ 140,000 | $ 197,000 |
| Canyon, Idaho | 10 | $ 1,560,000 | $ 156,000 | $ 198,000 |
| Kootenai, Idaho | 10 | $ 1,800,000 | $ 180,000 | $ 292,000 |
| Durham, North Carolina | 10 | $ 3,480,000 | $ 348,000 | $ 141,000 |
| Burke, North Carolina | 9 | $ 3,515,000 | $ 390,555 | $ 209,000 |
| Catawba, North Carolina | 9 | $ 1,875,000 | $ 208,333 | $ 107,000 |
| Charleston, South Carolina | 9 | $ 3,035,000 | $ 337,222 | $ 166,000 |
| Davidson, Tennessee | 9 | $ 1,155,000 | $ 128,333 | $ 198,000 |
| Hawkins, Tennessee | 9 | $ 1,355,000 | $ 150,555 | $ 102,000 |
| Franklin, Virginia | 9 | $ 1,935,000 | $ 215,000 | $ 134,000 |
| Clark, Washington | 9 | $ 2,555,000 | $ 283,888 | $ 231,000 |
| Whatcom, Washington | 9 | $ 1,205,000 | $ 133,888 | $ 192,000 |
| Placer, California | 8 | $ 2,110,000 | $ 263,750 | $ 311,000 |
| Cabarrus, North Carolina | 8 | $ 1,850,000 | $ 231,250 | $ 156,000 |
| Caldwell, North Carolina | 8 | $ 4,020,000 | $ 502,500 | $ 202,000 |
| Iredell, North Carolina | 8 | $ 1,350,000 | $ 168,750 | $ 220,000 |
| Lincoln, North Carolina | 8 | $ 1,820,000 | $ 227,500 | $ 130,000 |
| Macon, North Carolina | 8 | $ 4,910,000 | $ 613,750 | $ 560,000 |
| Washington, Oregon | 8 | $ 1,550,000 | $ 193,750 | $ 179,000 |
| Oconee, South Carolina | 8 | $ 2,760,000 | $ 345,000 | $ 251,000 |
| Carter, Tennessee | 8 | $ 630,000 | $ 78,750 | $ 81,000 |
| Henry, Virginia | 8 | $ 1,420,000 | $ 177,500 | $ 34,000 |
| Kitsap, Washington | 8 | $ 1,130,000 | $ 141,250 | $ 200,000 |
| Santa Cruz, California | 7 | $ 2,255,000 | $ 322,142 | $ 290,000 |
| Fairfield, Connecticut | 7 | $ 1,745,000 | $ 249,285 | $ 218,000 |
| Brunswick, North Carolina | 7 | $ 1,585,000 | $ 226,428 | $ 163,000 |
| Carteret, North Carolina | 7 | $ 3,165,000 | $ 452,142 | $ 916,000 |
| Cherokee, South Carolina | 7 | $ 845,000 | $ 120,714 | $ 97,000 |
| Davis, Utah | 7 | $ 1,275,000 | $ 182,142 | $ 179,000 |
| Bedford, Virginia | 7 | $ 625,000 | $ 89,285 | $ 105,000 |
| San Francisco, California | 6 | $ 1,510,000 | $ 251,666 | $ 432,000 |
| San Mateo, California | 6 | $ 2,200,000 | $ 366,666 | $ 363,000 |
| Solano, California | 6 | $ 1,350,000 | $ 225,000 | $ 201,000 |
| Sonoma, California | 6 | $ 1,030,000 | $ 171,666 | $ 192,000 |
| Ventura, California | 6 | $ 1,260,000 | $ 210,000 | $ 260,000 |
| New Hanover, North Carolina | 6 | $ 4,880,000 | $ 813,333 | $ 257,000 |
| Beaufort, South Carolina | 6 | $ 1,590,000 | $ 265,000 | $ 153,000 |
| Grainger, Tennessee | 6 | $ 1,780,000 | $ 296,666 | $ 121,000 |
| Hamilton, Tennessee | 6 | $ 750,000 | $ 125,000 | $ 164,000 |
| Fairfax, Virginia | 6 | $ 1,010,000 | $ 168,333 | $ 294,000 |
| Loudoun, Virginia | 6 | $ 1,170,000 | $ 195,000 | $ 274,000 |
| Salem, Virginia | 6 | $ 1,120,000 | $ 186,666 | $ 88,000 |
| Santa Barbara, California | 5 | $ 1,545,000 | $ 309,000 | $ 246,000 |
| Shasta, California | 5 | $ 595,000 | $ 119,000 | $ 183,000 |
| Douglas, Colorado | 5 | $ 945,000 | $ 189,000 | $ 225,000 |
| New Castle, Delaware | 5 | $ 525,000 | $ 105,000 | $ 165,000 |
| Orange, Florida | 5 | $ 845,000 | $ 169,000 | $ 148,000 |
| Chatham, North Carolina | 5 | $ 2,015,000 | $ 403,000 | $ 271,000 |
| Forsyth, North Carolina | 5 | $ 685,000 | $ 137,000 | $ 100,000 |
| Dorchester, South Carolina | 5 | $ 295,000 | $ 59,000 | $ 80,000 |
| Lancaster, South Carolina | 5 | $ 1,595,000 | $ 319,000 | $ 121,000 |
| Lexington, South Carolina | 5 | $ 1,155,000 | $ 231,000 | $ 107,000 |
| Clallam, Washington | 5 | $ 545,000 | $ 109,000 | $ 138,000 |
| Thurston, Washington | 5 | $ 445,000 | $ 89,000 | $ 301,000 |
| Yakima, Washington | 5 | $ 855,000 | $ 171,000 | $ 192,000 |
| Jefferson, Colorado | 4 | $ 1,040,000 | $ 260,000 | $ 285,000 |
| St. Johns, Florida | 4 | $ 440,000 | $ 110,000 | $ 151,000 |
| Alamance, North Carolina | 4 | $ 1,510,000 | $ 377,500 | $ 172,000 |
| Granville, North Carolina | 4 | $ 560,000 | $ 140,000 | $ 69,000 |
| Orange, North Carolina | 4 | $ 590,000 | $ 147,500 | $ 217,000 |
| Rowan, North Carolina | 4 | $ 710,000 | $ 177,500 | $ 122,000 |
| Watauga, North Carolina | 4 | $ 1,370,000 | $ 342,500 | $ 190,000 |
| Marion, Oregon | 4 | $ 570,000 | $ 142,500 | $ 142,000 |
| Berkeley, South Carolina | 4 | $ 1,160,000 | $ 290,000 | $ 187,000 |
| Maury, Tennessee | 4 | $ 320,000 | $ 80,000 | $ 83,000 |
| Sumner, Tennessee | 4 | $ 370,000 | $ 92,500 | $ 103,000 |
| Albemarle, Virginia | 4 | $ 1,600,000 | $ 400,000 | $ 196,000 |
| Spotsylvania, Virginia | 4 | $ 840,000 | $ 210,000 | $ 98,000 |
| Pima, Arizona | 3 | $ 695,000 | $ 231,666 | $ 269,000 |
| El Dorado, California | 3 | $ 535,000 | $ 178,333 | $ 237,000 |
| Monterey, California | 3 | $ 505,000 | $ 168,333 | $ 229,000 |
| Nevada, California | 3 | $ 805,000 | $ 268,333 | $ 341,000 |
| Boulder, Colorado | 3 | $ 1,085,000 | $ 361,666 | $ 280,000 |
| Denver, Colorado | 3 | $ 375,000 | $ 125,000 | $ 174,000 |
| El Paso, Colorado | 3 | $ 435,000 | $ 145,000 | $ 161,000 |
| Weld, Colorado | 3 | $ 495,000 | $ 165,000 | $ 108,000 |
| Flagler, Florida | 3 | $ 915,000 | $ 305,000 | $ 260,000 |
| Hillsborough, Florida | 3 | $ 245,000 | $ 81,666 | $ 129,000 |
| Sarasota, Florida | 3 | $ 695,000 | $ 231,666 | $ 195,000 |
| Seminole, Florida | 3 | $ 395,000 | $ 131,666 | $ 233,000 |
| Bonneville, Idaho | 3 | $ 245,000 | $ 81,666 | $ 104,000 |
| Caswell, North Carolina | 3 | $ 195,000 | $ 65,000 | $ 33,000 |
| Franklin, North Carolina | 3 | $ 765,000 | $ 255,000 | $ 391,000 |
| Harnett, North Carolina | 3 | $ 405,000 | $ 135,000 | $ 58,000 |
| Pitt, North Carolina | 3 | $ 195,000 | $ 65,000 | $ 58,000 |
| Oklahoma, Oklahoma | 3 | $ 595,000 | $ 198,333 | $ 564,000 |
| Deschutes, Oregon | 3 | $ 515,000 | $ 171,666 | $ 339,000 |
| Horry, South Carolina | 3 | $ 425,000 | $ 141,666 | $ 218,000 |
| Kershaw, South Carolina | 3 | $ 1,185,000 | $ 395,000 | $ 126,000 |
| Richland, South Carolina | 3 | $ 245,000 | $ 81,666 | $ 28,000 |
| Blount, Tennessee | 3 | $ 755,000 | $ 251,666 | $ 133,000 |
| Cocke, Tennessee | 3 | $ 285,000 | $ 95,000 | $ 37,000 |
| Dickson, Tennessee | 3 | $ 225,000 | $ 75,000 | $ 69,000 |
| Greene, Tennessee | 3 | $ 795,000 | $ 265,000 | $ 80,000 |
| Roane, Tennessee | 3 | $ 1,535,000 | $ 511,666 | $ 58,000 |
| Robertson, Tennessee | 3 | $ 235,000 | $ 78,333 | $ 81,000 |
| Sevier, Tennessee | 3 | $ 1,505,000 | $ 501,666 | $ 265,000 |
| Craig, Virginia | 3 | $ 175,000 | $ 58,333 | $ 52,000 |
| Island, Washington | 3 | $ 475,000 | $ 158,333 | $ 139,000 |
| Kittitas, Washington | 3 | $ 395,000 | $ 131,666 | $ 148,000 |
| Calaveras, California | 2 | $ 220,000 | $ 110,000 | $ 126,000 |
| Marin, California | 2 | $ 650,000 | $ 325,000 | $ 539,000 |
| Arapahoe, Colorado | 2 | $ 620,000 | $ 310,000 | $ 287,000 |
| Larimer, Colorado | 2 | $ 210,000 | $ 105,000 | $ 222,000 |
| Sussex, Delaware | 2 | $ 240,000 | $ 120,000 | $ 183,000 |
| Citrus, Florida | 2 | $ 210,000 | $ 105,000 | $ 75,000 |
| Lee, Florida | 2 | $ 150,000 | $ 75,000 | $ 74,000 |
| Pinellas, Florida | 2 | $ 370,000 | $ 185,000 | $ 266,000 |
| Bannock, Idaho | 2 | $ 390,000 | $ 195,000 | $ 73,000 |
| Bonner, Idaho | 2 | $ 510,000 | $ 255,000 | $ 257,000 |
| Cumberland, North Carolina | 2 | $ 270,000 | $ 135,000 | $ 89,000 |
| Mitchell, North Carolina | 2 | $ 310,000 | $ 155,000 | $ 66,000 |
| Onslow, North Carolina | 2 | $ 470,000 | $ 235,000 | $ 57,000 |
| Pender, North Carolina | 2 | $ 720,000 | $ 360,000 | $ 185,000 |
| Person, North Carolina | 2 | $ 110,000 | $ 55,000 | $ 129,000 |
| Stanly, North Carolina | 2 | $ 110,000 | $ 55,000 | $ 49,000 |
| Stokes, North Carolina | 2 | $ 180,000 | $ 90,000 | $ 72,000 |
| Wilkes, North Carolina | 2 | $ 130,000 | $ 65,000 | $ 27,000 |
| Jefferson, Oregon | 2 | $ 360,000 | $ 180,000 | $ 149,000 |
| Lane, Oregon | 2 | $ 130,000 | $ 65,000 | $ 82,000 |
| Yamhill, Oregon | 2 | $ 280,000 | $ 140,000 | $ 175,000 |
| Fairfield, South Carolina | 2 | $ 60,000 | $ 30,000 | $ 74,000 |
| Lee, South Carolina | 2 | $ 10,000 | $ 5,000 | $ 30,000 |
| Bradley, Tennessee | 2 | $ 520,000 | $ 260,000 | $ 510,000 |
| Rutherford, Tennessee | 2 | $ 200,000 | $ 100,000 | $ 82,000 |
| Wilson, Tennessee | 2 | $ 160,000 | $ 80,000 | $ 133,000 |
| Wasatch, Utah | 2 | $ 760,000 | $ 380,000 | $ 289,000 |
| Weber, Utah | 2 | $ 420,000 | $ 210,000 | $ 383,000 |
| Chesapeake, Virginia | 2 | $ 190,000 | $ 95,000 | $ 65,000 |
| Chesterfield, Virginia | 2 | $ 340,000 | $ 170,000 | $ 186,000 |
| Gloucester, Virginia | 2 | $ 60,000 | $ 30,000 | $ 46,000 |
| Halifax, Virginia | 2 | $ 240,000 | $ 120,000 | $ 117,000 |
| Nelson, Virginia | 2 | $ 610,000 | $ 305,000 | $ 0 |
| Pulaski, Virginia | 2 | $ 240,000 | $ 120,000 | $ 280,000 |
| Russell, Virginia | 2 | $ 420,000 | $ 210,000 | $ 73,000 |
| Virginia Beach, Virginia | 2 | $ 200,000 | $ 100,000 | $ 113,000 |
| Grays Harbor, Washington | 2 | $ 240,000 | $ 120,000 | $ 167,000 |
| Skagit, Washington | 2 | $ 450,000 | $ 225,000 | $ 132,000 |
| Skamania, Washington | 2 | $ 380,000 | $ 190,000 | $ 290,000 |
| Spokane, Washington | 2 | $ 110,000 | $ 55,000 | $ 222,000 |
| Shelby, Alabama | 1 | $ 35,000 | $ 35,000 | $ 249,000 |
| Winston, Alabama | 1 | $ 505,000 | $ 505,000 | $ 570,000 |
| Gila, Arizona | 1 | $ 105,000 | $ 105,000 | $ 84,000 |
| Yavapai, Arizona | 1 | $ 325,000 | $ 325,000 | $ 272,000 |
| Yuma, Arizona | 1 | $ 55,000 | $ 55,000 | $ 118,000 |
| Butte, California | 1 | $ 155,000 | $ 155,000 | $ 390,000 |
| Kern, California | 1 | $ 105,000 | $ 105,000 | $ 194,000 |
| Lake, California | 1 | $ 175,000 | $ 175,000 | $ 126,000 |
| Madera, California | 1 | $ 55,000 | $ 55,000 | $ 98,000 |
| Mendocino, California | 1 | $ 105,000 | $ 105,000 | $ 211,000 |
| Merced, California | 1 | $ 75,000 | $ 75,000 | $ 182,000 |
| Napa, California | 1 | $ 155,000 | $ 155,000 | $ 185,000 |
| San Luis Obispo, California | 1 | $ 155,000 | $ 155,000 | $ 197,000 |
| Stanislaus, California | 1 | $ 65,000 | $ 65,000 | $ 105,000 |
| Sutter, California | 1 | $ 125,000 | $ 125,000 | $ 143,000 |
| Tulare, California | 1 | $ 135,000 | $ 135,000 | $ 265,000 |
| Yolo, California | 1 | $ 85,000 | $ 85,000 | $ 186,000 |
| Adams, Colorado | 1 | $ 155,000 | $ 155,000 | $ 111,000 |
| Broomfield, Colorado | 1 | $ 375,000 | $ 375,000 | $ 392,000 |
| Elbert, Colorado | 1 | $ 85,000 | $ 85,000 | $ 108,000 |
| Pitkin, Colorado | 1 | $ 225,000 | $ 225,000 | $ 163,000 |
| Routt, Colorado | 1 | $ 185,000 | $ 185,000 | $ 366,000 |
| Hartford, Connecticut | 1 | $ 205,000 | $ 205,000 | $ 574,000 |
| New Haven, Connecticut | 1 | $ 75,000 | $ 75,000 | $ 76,000 |
| New London, Connecticut | 1 | $ 135,000 | $ 135,000 | $ 240,000 |
| Charlotte, Florida | 1 | $ 505,000 | $ 505,000 | $ 411,000 |
| Collier, Florida | 1 | $ 55,000 | $ 55,000 | $ 700,000 |
| Hernando, Florida | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Manatee, Florida | 1 | $ 105,000 | $ 105,000 | $ 382,000 |
| Monroe, Florida | 1 | $ 505,000 | $ 505,000 | $ 257,000 |
| Pasco, Florida | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| St. Lucie, Florida | 1 | $ 255,000 | $ 255,000 | $ 491,000 |
| Volusia, Florida | 1 | $ 175,000 | $ 175,000 | $ 326,000 |
| Walton, Florida | 1 | $ 155,000 | $ 155,000 | $ 520,000 |
| Walton, Georgia | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Benewah, Idaho | 1 | $ 185,000 | $ 185,000 | $ 253,000 |
| Nez Perce, Idaho | 1 | $ 175,000 | $ 175,000 | $ 115,000 |
| Twin Falls, Idaho | 1 | $ 95,000 | $ 95,000 | $ 91,000 |
| Valley, Idaho | 1 | $ 105,000 | $ 105,000 | $ 662,000 |
| DuPage, Illinois | 1 | $ 105,000 | $ 105,000 | $ 398,000 |
| Lake, Illinois | 1 | $ 475,000 | $ 475,000 | $ 338,000 |
| Johnson, Kansas | 1 | $ 155,000 | $ 155,000 | $ 151,000 |
| Carson City, Nevada | 1 | $ 55,000 | $ 55,000 | $ 85,000 |
| Churchill, Nevada | 1 | $ 75,000 | $ 75,000 | $ 162,000 |
| Humboldt, Nevada | 1 | $ 65,000 | $ 65,000 | $ 540,000 |
| Alexander, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 57,000 |
| Alleghany, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 63,000 |
| Anson, North Carolina | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Ashe, North Carolina | 1 | $ 485,000 | $ 485,000 | $ 511,000 |
| Avery, North Carolina | 1 | $ 775,000 | $ 775,000 | $ 191,000 |
| Clay, North Carolina | 1 | $ 65,000 | $ 65,000 | $ 71,000 |
| Dare, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 78,000 |
| Davie, North Carolina | 1 | $ 45,000 | $ 45,000 | $ 147,000 |
| Graham, North Carolina | 1 | $ 335,000 | $ 335,000 | $ 131,000 |
| Hoke, North Carolina | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Hyde, North Carolina | 1 | $ 425,000 | $ 425,000 | $ 258,000 |
| Lee, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Moore, North Carolina | 1 | $ 425,000 | $ 425,000 | $ 79,000 |
| Robeson, North Carolina | 1 | $ 45,000 | $ 45,000 | $ 87,000 |
| Swain, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 29,000 |
| Warren, North Carolina | 1 | $ 15,000 | $ 15,000 | $ 10,000 |
| Custer, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 105,000 |
| Stephens, Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 96,000 |
| Benton, Oregon | 1 | $ 155,000 | $ 155,000 | $ 141,000 |
| Columbia, Oregon | 1 | $ 65,000 | $ 65,000 | $ 63,000 |
| Hood River, Oregon | 1 | $ 105,000 | $ 105,000 | $ 167,000 |
| Linn, Oregon | 1 | $ 155,000 | $ 155,000 | $ 167,000 |
| Polk, Oregon | 1 | $ 85,000 | $ 85,000 | $ 166,000 |
| Umatilla, Oregon | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Aiken, South Carolina | 1 | $ 215,000 | $ 215,000 | $ 116,000 |
| Chesterfield, South Carolina | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Colleton, South Carolina | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Darlington, South Carolina | 1 | $ 5,000 | $ 5,000 | $ 34,000 |
| Greenwood, South Carolina | 1 | $ 445,000 | $ 445,000 | $ 121,000 |
| Williamsburg, South Carolina | 1 | $ 5,000 | $ 5,000 | $ 17,000 |
| Bedford, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 83,000 |
| Campbell, Tennessee | 1 | $ 5,000 | $ 5,000 | $ 20,000 |
| Cannon, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 92,000 |
| Coffee, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 67,000 |
| Fentress, Tennessee | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Franklin, Tennessee | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Loudon, Tennessee | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Marshall, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
| Montgomery, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 51,000 |
| Putnam, Tennessee | 1 | $ 15,000 | $ 15,000 | $ 20,000 |
| Scott, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Sequatchie, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 100,000 |
| Unicoi, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Warren, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| White, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 105,000 |
| Box Elder, Utah | 1 | $ 225,000 | $ 225,000 | $ 737,000 |
| Cache, Utah | 1 | $ 405,000 | $ 405,000 | $ 199,000 |
| Duchesne, Utah | 1 | $ 105,000 | $ 105,000 | $ 103,000 |
| Juab, Utah | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| Rich, Utah | 1 | $ 145,000 | $ 145,000 | $ 636,000 |
| Washington, Utah | 1 | $ 125,000 | $ 125,000 | $ 196,000 |
| Alexandria, Virginia | 1 | $ 605,000 | $ 605,000 | $ 139,000 |
| Arlington, Virginia | 1 | $ 105,000 | $ 105,000 | $ 150,000 |
| Danville, Virginia | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Falls Church, Virginia | 1 | $ 75,000 | $ 75,000 | $ 176,000 |
| Hanover, Virginia | 1 | $ 3,125,000 | $ 3,125,000 | $ 0 |
| Martinsville, Virginia | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Montgomery, Virginia | 1 | $ 155,000 | $ 155,000 | $ 114,000 |
| Portsmouth, Virginia | 1 | $ 35,000 | $ 35,000 | $ 55,000 |
| Prince William, Virginia | 1 | $ 35,000 | $ 35,000 | $ 85,000 |
| Suffolk, Virginia | 1 | $ 125,000 | $ 125,000 | $ 175,000 |
| Washington, Virginia | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
| Cowlitz, Washington | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Lewis, Washington | 1 | $ 75,000 | $ 75,000 | $ 98,000 |
| Mason, Washington | 1 | $ 105,000 | $ 105,000 | $ 958,000 |
| Pacific, Washington | 1 | $ 205,000 | $ 205,000 | $ 404,000 |
| San Juan, Washington | 1 | $ 125,000 | $ 125,000 | $ 103,000 |
| Walla Walla, Washington | 1 | $ 165,000 | $ 165,000 | $ 368,000 |
Mortgage Loan Application Detail Totals for Hometrust Bank in 2022
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 | 1,301 | $443,675,000 | $341,000 | $5,405,000 | $205,000 | $4,259,000 |
| Other Purpose | 1,148 | $173,840,000 | $151,000 | $1,005,000 | $166,000 | $2,638,000 |
| Home Improvement | 566 | $62,250,000 | $109,000 | $1,055,000 | $125,000 | $5,640,000 |
| Refinancing | 500 | $118,450,000 | $236,000 | $2,005,000 | $167,000 | $1,903,000 |
| Cash-out Refinancing | 208 | $57,250,000 | $275,000 | $1,355,000 | $119,000 | $1,903,000 |
| 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 | 2,727 | $629,675,000 | $230,000 | $1,505,000 | $166,000 | $5,640,000 |
| Not Provided | 400 | $96,860,000 | $242,000 | $1,955,000 | $214,000 | $2,669,000 |
| Hispanic | 235 | $39,165,000 | $166,000 | $1,505,000 | $156,000 | $1,440,000 |
| Asian | 148 | $33,110,000 | $223,000 | $1,245,000 | $226,000 | $887,000 |
| Black or African American | 140 | $16,460,000 | $117,000 | $605,000 | $109,000 | $588,000 |
| Not applicable | 41 | $33,965,000 | $828,000 | $5,405,000 | $0 | $0 |
| American Indian or Alaskan Native | 18 | $3,770,000 | $209,000 | $645,000 | $105,000 | $328,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $710,000 | $177,000 | $255,000 | $184,000 | $279,000 |
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) | 3,701 | $851,195,000 | $229,000 | $5,405,000 | $171,000 | $5,640,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $4,270,000 | $194,000 | $305,000 | $56,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 2,458 | $618,240,000 | $251,000 | $5,405,000 | $189,000 | $3,130,000 |
| Application Denied By Financial Institution | 869 | $128,395,000 | $147,000 | $1,505,000 | $118,000 | $5,640,000 |
| Application Withdrawn By Applicant | 304 | $82,470,000 | $271,000 | $1,505,000 | $168,000 | $1,109,000 |
| File Closed For Incompleteness | 52 | $15,510,000 | $298,000 | $1,505,000 | $213,000 | $4,259,000 |
| Application Approved But Not Accepted | 28 | $4,790,000 | $171,000 | $475,000 | $196,000 | $710,000 |
| Preapproval Approved but not Accepted | 10 | $5,380,000 | $538,000 | $1,505,000 | $123,000 | $253,000 |
| Preapproval Denied by Financial Institution | 2 | $680,000 | $340,000 | $535,000 | $102,000 | $174,000 |
| 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 | 2,852 | $726,390,000 | $254,000 | $5,405,000 | $187,000 | $4,259,000 |
| Debt-To-Income Ratio | 403 | $71,215,000 | $176,000 | $1,095,000 | $96,000 | $709,000 |
| Credit History | 292 | $33,540,000 | $114,000 | $1,505,000 | $132,000 | $5,640,000 |
| Collateral | 91 | $11,745,000 | $129,000 | $645,000 | $157,000 | $1,260,000 |
| Other | 70 | $10,170,000 | $145,000 | $505,000 | $142,000 | $968,000 |
| Employment History | 11 | $2,005,000 | $182,000 | $375,000 | $84,000 | $243,000 |
| Unverifiable Information | 3 | $255,000 | $85,000 | $105,000 | $105,000 | $152,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $118,000 | $118,000 |
| 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 2022 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.
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