Hometrust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Hometrust Bank 2022 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 | 3,723 |
| Total Mortgage Loan Application Amount | $855,465,000 |
| Average Mortgage Loan Application Amount | $222,400 |
| Highest Mortgage Loan Application Amount | $5,405,000 |
| Average Applicant Income | $156,400 |
| Highest Applicant Income | $5,640,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 564 | $ 160,200,000 | $ 284,000 | $ 165,000 |
| Haywood County North Carolina | 212 | $ 55,630,000 | $ 262,000 | $ 129,000 |
| Henderson County North Carolina | 197 | $ 48,865,000 | $ 248,000 | $ 144,000 |
| Greenville County South Carolina | 171 | $ 44,135,000 | $ 258,000 | $ 146,000 |
| Rockingham County North Carolina | 108 | $ 10,080,000 | $ 93,000 | $ 66,000 |
| Polk County North Carolina | 105 | $ 25,135,000 | $ 239,000 | $ 145,000 |
| Wake County North Carolina | 94 | $ 29,530,000 | $ 314,000 | $ 243,000 |
| Mecklenburg County North Carolina | 84 | $ 27,460,000 | $ 326,000 | $ 204,000 |
| Miami-Dade County Florida | 79 | $ 9,785,000 | $ 123,000 | $ 159,000 |
| Cleveland County North Carolina | 79 | $ 13,705,000 | $ 173,000 | $ 103,000 |
| Los Angeles County California | 75 | $ 16,185,000 | $ 215,000 | $ 236,000 |
| Rutherford County North Carolina | 57 | $ 12,605,000 | $ 221,000 | $ 102,000 |
| Spartanburg County South Carolina | 53 | $ 10,435,000 | $ 196,000 | $ 117,000 |
| Roanoke County Virginia | 51 | $ 9,085,000 | $ 178,000 | $ 111,000 |
| King County Washington | 50 | $ 10,000,000 | $ 200,000 | $ 300,000 |
| Maricopa County Arizona | 49 | $ 9,765,000 | $ 199,000 | $ 211,000 |
| Hamblen County Tennessee | 48 | $ 6,730,000 | $ 140,000 | $ 78,000 |
| Washington County Tennessee | 48 | $ 9,220,000 | $ 192,000 | $ 174,000 |
| Madison County North Carolina | 43 | $ 10,735,000 | $ 249,000 | $ 109,000 |
| San Diego County California | 40 | $ 8,490,000 | $ 212,000 | $ 259,000 |
| Sullivan County Tennessee | 40 | $ 6,370,000 | $ 159,000 | $ 122,000 |
| Anderson County South Carolina | 35 | $ 10,935,000 | $ 312,000 | $ 143,000 |
| Riverside County California | 34 | $ 6,150,000 | $ 180,000 | $ 229,000 |
| Davidson County North Carolina | 33 | $ 3,205,000 | $ 97,000 | $ 66,000 |
| Gaston County North Carolina | 33 | $ 5,385,000 | $ 163,000 | $ 133,000 |
| Orange County California | 30 | $ 7,430,000 | $ 247,000 | $ 300,000 |
| Roanoke City County Virginia | 30 | $ 4,260,000 | $ 142,000 | $ 76,000 |
| Broward County Florida | 29 | $ 3,635,000 | $ 125,000 | $ 182,000 |
| Union County North Carolina | 29 | $ 13,145,000 | $ 453,000 | $ 222,000 |
| Knox County Tennessee | 25 | $ 5,755,000 | $ 230,000 | $ 203,000 |
| Santa Clara County California | 24 | $ 4,750,000 | $ 197,000 | $ 301,000 |
| Alameda County California | 23 | $ 3,705,000 | $ 161,000 | $ 274,000 |
| Clark County Nevada | 22 | $ 4,510,000 | $ 205,000 | $ 263,000 |
| Pickens County South Carolina | 22 | $ 7,380,000 | $ 335,000 | $ 174,000 |
| San Joaquin County California | 21 | $ 3,075,000 | $ 146,000 | $ 191,000 |
| Contra Costa County California | 20 | $ 4,110,000 | $ 205,000 | $ 281,000 |
| McDowell County North Carolina | 20 | $ 7,640,000 | $ 382,000 | $ 154,000 |
| Salt Lake County Utah | 19 | $ 2,545,000 | $ 133,000 | $ 218,000 |
| Palm Beach County Florida | 18 | $ 3,420,000 | $ 190,000 | $ 219,000 |
| Ada County Idaho | 18 | $ 3,340,000 | $ 185,000 | $ 248,000 |
| Williamson County Tennessee | 18 | $ 4,180,000 | $ 232,000 | $ 235,000 |
| Clackamas County Oregon | 17 | $ 3,375,000 | $ 198,000 | $ 424,000 |
| Pierce County Washington | 16 | $ 2,340,000 | $ 146,000 | $ 199,000 |
| Snohomish County Washington | 16 | $ 2,380,000 | $ 148,000 | $ 179,000 |
| San Bernardino County California | 15 | $ 1,885,000 | $ 125,000 | $ 248,000 |
| Jackson County North Carolina | 15 | $ 4,645,000 | $ 309,000 | $ 133,000 |
| Laurens County South Carolina | 15 | $ 3,275,000 | $ 218,000 | $ 82,000 |
| York County South Carolina | 15 | $ 4,045,000 | $ 269,000 | $ 111,000 |
| Transylvania County North Carolina | 13 | $ 4,545,000 | $ 349,000 | $ 163,000 |
| Multnomah County Oregon | 13 | $ 1,945,000 | $ 149,000 | $ 205,000 |
| Jefferson County Tennessee | 13 | $ 2,545,000 | $ 195,000 | $ 124,000 |
| Guilford County North Carolina | 12 | $ 1,370,000 | $ 114,000 | $ 109,000 |
| Washoe County Nevada | 11 | $ 1,815,000 | $ 165,000 | $ 220,000 |
| Johnston County North Carolina | 11 | $ 6,835,000 | $ 621,000 | $ 139,000 |
| Yancey County North Carolina | 11 | $ 3,495,000 | $ 317,000 | $ 122,000 |
| Utah County Utah | 11 | $ 3,225,000 | $ 293,000 | $ 225,000 |
| Botetourt County Virginia | 11 | $ 1,905,000 | $ 173,000 | $ 126,000 |
| Pittsylvania County Virginia | 11 | $ 1,205,000 | $ 109,000 | $ 73,000 |
| Fresno County California | 10 | $ 2,060,000 | $ 206,000 | $ 323,000 |
| Sacramento County California | 10 | $ 1,400,000 | $ 140,000 | $ 197,000 |
| Canyon County Idaho | 10 | $ 1,560,000 | $ 156,000 | $ 198,000 |
| Kootenai County Idaho | 10 | $ 1,800,000 | $ 180,000 | $ 292,000 |
| Durham County North Carolina | 10 | $ 3,480,000 | $ 348,000 | $ 141,000 |
| Burke County North Carolina | 9 | $ 3,515,000 | $ 390,000 | $ 209,000 |
| Catawba County North Carolina | 9 | $ 1,875,000 | $ 208,000 | $ 107,000 |
| Charleston County South Carolina | 9 | $ 3,035,000 | $ 337,000 | $ 166,000 |
| Davidson County Tennessee | 9 | $ 1,155,000 | $ 128,000 | $ 198,000 |
| Hawkins County Tennessee | 9 | $ 1,355,000 | $ 150,000 | $ 102,000 |
| Franklin County Virginia | 9 | $ 1,935,000 | $ 215,000 | $ 134,000 |
| Clark County Washington | 9 | $ 2,555,000 | $ 283,000 | $ 231,000 |
| Whatcom County Washington | 9 | $ 1,205,000 | $ 133,000 | $ 192,000 |
| Placer County California | 8 | $ 2,110,000 | $ 263,000 | $ 311,000 |
| Cabarrus County North Carolina | 8 | $ 1,850,000 | $ 231,000 | $ 156,000 |
| Caldwell County North Carolina | 8 | $ 4,020,000 | $ 502,000 | $ 202,000 |
| Iredell County North Carolina | 8 | $ 1,350,000 | $ 168,000 | $ 220,000 |
| Lincoln County North Carolina | 8 | $ 1,820,000 | $ 227,000 | $ 130,000 |
| Macon County North Carolina | 8 | $ 4,910,000 | $ 613,000 | $ 560,000 |
| Washington County Oregon | 8 | $ 1,550,000 | $ 193,000 | $ 179,000 |
| Oconee County South Carolina | 8 | $ 2,760,000 | $ 345,000 | $ 251,000 |
| Carter County Tennessee | 8 | $ 630,000 | $ 78,000 | $ 81,000 |
| Henry County Virginia | 8 | $ 1,420,000 | $ 177,000 | $ 34,000 |
| Kitsap County Washington | 8 | $ 1,130,000 | $ 141,000 | $ 200,000 |
| Santa Cruz County California | 7 | $ 2,255,000 | $ 322,000 | $ 290,000 |
| Fairfield County Connecticut | 7 | $ 1,745,000 | $ 249,000 | $ 218,000 |
| Brunswick County North Carolina | 7 | $ 1,585,000 | $ 226,000 | $ 163,000 |
| Carteret County North Carolina | 7 | $ 3,165,000 | $ 452,000 | $ 916,000 |
| Cherokee County South Carolina | 7 | $ 845,000 | $ 120,000 | $ 97,000 |
| Davis County Utah | 7 | $ 1,275,000 | $ 182,000 | $ 179,000 |
| Bedford County Virginia | 7 | $ 625,000 | $ 89,000 | $ 105,000 |
| San Francisco County California | 6 | $ 1,510,000 | $ 251,000 | $ 432,000 |
| San Mateo County California | 6 | $ 2,200,000 | $ 366,000 | $ 363,000 |
| Solano County California | 6 | $ 1,350,000 | $ 225,000 | $ 201,000 |
| Sonoma County California | 6 | $ 1,030,000 | $ 171,000 | $ 192,000 |
| Ventura County California | 6 | $ 1,260,000 | $ 210,000 | $ 260,000 |
| New Hanover County North Carolina | 6 | $ 4,880,000 | $ 813,000 | $ 257,000 |
| Beaufort County South Carolina | 6 | $ 1,590,000 | $ 265,000 | $ 153,000 |
| Grainger County Tennessee | 6 | $ 1,780,000 | $ 296,000 | $ 121,000 |
| Hamilton County Tennessee | 6 | $ 750,000 | $ 125,000 | $ 164,000 |
| Fairfax County Virginia | 6 | $ 1,010,000 | $ 168,000 | $ 294,000 |
| Loudoun County Virginia | 6 | $ 1,170,000 | $ 195,000 | $ 274,000 |
| Salem County Virginia | 6 | $ 1,120,000 | $ 186,000 | $ 88,000 |
| Santa Barbara County California | 5 | $ 1,545,000 | $ 309,000 | $ 246,000 |
| Shasta County California | 5 | $ 595,000 | $ 119,000 | $ 183,000 |
| Douglas County Colorado | 5 | $ 945,000 | $ 189,000 | $ 225,000 |
| New Castle County Delaware | 5 | $ 525,000 | $ 105,000 | $ 165,000 |
| Orange County Florida | 5 | $ 845,000 | $ 169,000 | $ 148,000 |
| Chatham County North Carolina | 5 | $ 2,015,000 | $ 403,000 | $ 271,000 |
| Forsyth County North Carolina | 5 | $ 685,000 | $ 137,000 | $ 100,000 |
| Dorchester County South Carolina | 5 | $ 295,000 | $ 59,000 | $ 80,000 |
| Lancaster County South Carolina | 5 | $ 1,595,000 | $ 319,000 | $ 121,000 |
| Lexington County South Carolina | 5 | $ 1,155,000 | $ 231,000 | $ 107,000 |
| Clallam County Washington | 5 | $ 545,000 | $ 109,000 | $ 138,000 |
| Thurston County Washington | 5 | $ 445,000 | $ 89,000 | $ 301,000 |
| Yakima County Washington | 5 | $ 855,000 | $ 171,000 | $ 192,000 |
| Jefferson County Colorado | 4 | $ 1,040,000 | $ 260,000 | $ 285,000 |
| St. Johns County Florida | 4 | $ 440,000 | $ 110,000 | $ 151,000 |
| Alamance County North Carolina | 4 | $ 1,510,000 | $ 377,000 | $ 172,000 |
| Granville County North Carolina | 4 | $ 560,000 | $ 140,000 | $ 69,000 |
| Orange County North Carolina | 4 | $ 590,000 | $ 147,000 | $ 217,000 |
| Rowan County North Carolina | 4 | $ 710,000 | $ 177,000 | $ 122,000 |
| Watauga County North Carolina | 4 | $ 1,370,000 | $ 342,000 | $ 190,000 |
| Marion County Oregon | 4 | $ 570,000 | $ 142,000 | $ 142,000 |
| Berkeley County South Carolina | 4 | $ 1,160,000 | $ 290,000 | $ 187,000 |
| Maury County Tennessee | 4 | $ 320,000 | $ 80,000 | $ 83,000 |
| Sumner County Tennessee | 4 | $ 370,000 | $ 92,000 | $ 103,000 |
| Albemarle County Virginia | 4 | $ 1,600,000 | $ 400,000 | $ 196,000 |
| Spotsylvania County Virginia | 4 | $ 840,000 | $ 210,000 | $ 98,000 |
| Pima County Arizona | 3 | $ 695,000 | $ 231,000 | $ 269,000 |
| El Dorado County California | 3 | $ 535,000 | $ 178,000 | $ 237,000 |
| Monterey County California | 3 | $ 505,000 | $ 168,000 | $ 229,000 |
| Nevada County California | 3 | $ 805,000 | $ 268,000 | $ 341,000 |
| Boulder County Colorado | 3 | $ 1,085,000 | $ 361,000 | $ 280,000 |
| Denver County Colorado | 3 | $ 375,000 | $ 125,000 | $ 174,000 |
| El Paso County Colorado | 3 | $ 435,000 | $ 145,000 | $ 161,000 |
| Weld County Colorado | 3 | $ 495,000 | $ 165,000 | $ 108,000 |
| Flagler County Florida | 3 | $ 915,000 | $ 305,000 | $ 260,000 |
| Hillsborough County Florida | 3 | $ 245,000 | $ 81,000 | $ 129,000 |
| Sarasota County Florida | 3 | $ 695,000 | $ 231,000 | $ 195,000 |
| Seminole County Florida | 3 | $ 395,000 | $ 131,000 | $ 233,000 |
| Bonneville County Idaho | 3 | $ 245,000 | $ 81,000 | $ 104,000 |
| Caswell County North Carolina | 3 | $ 195,000 | $ 65,000 | $ 33,000 |
| Franklin County North Carolina | 3 | $ 765,000 | $ 255,000 | $ 391,000 |
| Harnett County North Carolina | 3 | $ 405,000 | $ 135,000 | $ 58,000 |
| Pitt County North Carolina | 3 | $ 195,000 | $ 65,000 | $ 58,000 |
| Oklahoma County Oklahoma | 3 | $ 595,000 | $ 198,000 | $ 564,000 |
| Deschutes County Oregon | 3 | $ 515,000 | $ 171,000 | $ 339,000 |
| Horry County South Carolina | 3 | $ 425,000 | $ 141,000 | $ 218,000 |
| Kershaw County South Carolina | 3 | $ 1,185,000 | $ 395,000 | $ 126,000 |
| Richland County South Carolina | 3 | $ 245,000 | $ 81,000 | $ 28,000 |
| Blount County Tennessee | 3 | $ 755,000 | $ 251,000 | $ 133,000 |
| Cocke County Tennessee | 3 | $ 285,000 | $ 95,000 | $ 37,000 |
| Dickson County Tennessee | 3 | $ 225,000 | $ 75,000 | $ 69,000 |
| Greene County Tennessee | 3 | $ 795,000 | $ 265,000 | $ 80,000 |
| Roane County Tennessee | 3 | $ 1,535,000 | $ 511,000 | $ 58,000 |
| Robertson County Tennessee | 3 | $ 235,000 | $ 78,000 | $ 81,000 |
| Sevier County Tennessee | 3 | $ 1,505,000 | $ 501,000 | $ 265,000 |
| Craig County Virginia | 3 | $ 175,000 | $ 58,000 | $ 52,000 |
| Island County Washington | 3 | $ 475,000 | $ 158,000 | $ 139,000 |
| Kittitas County Washington | 3 | $ 395,000 | $ 131,000 | $ 148,000 |
| Calaveras County California | 2 | $ 220,000 | $ 110,000 | $ 126,000 |
| Marin County California | 2 | $ 650,000 | $ 325,000 | $ 539,000 |
| Arapahoe County Colorado | 2 | $ 620,000 | $ 310,000 | $ 287,000 |
| Larimer County Colorado | 2 | $ 210,000 | $ 105,000 | $ 222,000 |
| Sussex County Delaware | 2 | $ 240,000 | $ 120,000 | $ 183,000 |
| Citrus County Florida | 2 | $ 210,000 | $ 105,000 | $ 75,000 |
| Lee County Florida | 2 | $ 150,000 | $ 75,000 | $ 74,000 |
| Pinellas County Florida | 2 | $ 370,000 | $ 185,000 | $ 266,000 |
| Bannock County Idaho | 2 | $ 390,000 | $ 195,000 | $ 73,000 |
| Bonner County Idaho | 2 | $ 510,000 | $ 255,000 | $ 257,000 |
| Cumberland County North Carolina | 2 | $ 270,000 | $ 135,000 | $ 89,000 |
| Mitchell County North Carolina | 2 | $ 310,000 | $ 155,000 | $ 66,000 |
| Onslow County North Carolina | 2 | $ 470,000 | $ 235,000 | $ 57,000 |
| Pender County North Carolina | 2 | $ 720,000 | $ 360,000 | $ 185,000 |
| Person County North Carolina | 2 | $ 110,000 | $ 55,000 | $ 129,000 |
| Stanly County North Carolina | 2 | $ 110,000 | $ 55,000 | $ 49,000 |
| Stokes County North Carolina | 2 | $ 180,000 | $ 90,000 | $ 72,000 |
| Wilkes County North Carolina | 2 | $ 130,000 | $ 65,000 | $ 27,000 |
| Jefferson County Oregon | 2 | $ 360,000 | $ 180,000 | $ 149,000 |
| Lane County Oregon | 2 | $ 130,000 | $ 65,000 | $ 82,000 |
| Yamhill County Oregon | 2 | $ 280,000 | $ 140,000 | $ 175,000 |
| Fairfield County South Carolina | 2 | $ 60,000 | $ 30,000 | $ 74,000 |
| Lee County South Carolina | 2 | $ 10,000 | $ 5,000 | $ 30,000 |
| Bradley County Tennessee | 2 | $ 520,000 | $ 260,000 | $ 510,000 |
| Rutherford County Tennessee | 2 | $ 200,000 | $ 100,000 | $ 82,000 |
| Wilson County Tennessee | 2 | $ 160,000 | $ 80,000 | $ 133,000 |
| Wasatch County Utah | 2 | $ 760,000 | $ 380,000 | $ 289,000 |
| Weber County Utah | 2 | $ 420,000 | $ 210,000 | $ 383,000 |
| Chesapeake County Virginia | 2 | $ 190,000 | $ 95,000 | $ 65,000 |
| Chesterfield County Virginia | 2 | $ 340,000 | $ 170,000 | $ 186,000 |
| Gloucester County Virginia | 2 | $ 60,000 | $ 30,000 | $ 46,000 |
| Halifax County Virginia | 2 | $ 240,000 | $ 120,000 | $ 117,000 |
| Nelson County Virginia | 2 | $ 610,000 | $ 305,000 | $ 0 |
| Pulaski County Virginia | 2 | $ 240,000 | $ 120,000 | $ 280,000 |
| Russell County Virginia | 2 | $ 420,000 | $ 210,000 | $ 73,000 |
| Virginia Beach County Virginia | 2 | $ 200,000 | $ 100,000 | $ 113,000 |
| Grays Harbor County Washington | 2 | $ 240,000 | $ 120,000 | $ 167,000 |
| Skagit County Washington | 2 | $ 450,000 | $ 225,000 | $ 132,000 |
| Skamania County Washington | 2 | $ 380,000 | $ 190,000 | $ 290,000 |
| Spokane County Washington | 2 | $ 110,000 | $ 55,000 | $ 222,000 |
| Shelby County Alabama | 1 | $ 35,000 | $ 35,000 | $ 249,000 |
| Winston County Alabama | 1 | $ 505,000 | $ 505,000 | $ 570,000 |
| Gila County Arizona | 1 | $ 105,000 | $ 105,000 | $ 84,000 |
| Yavapai County Arizona | 1 | $ 325,000 | $ 325,000 | $ 272,000 |
| Yuma County Arizona | 1 | $ 55,000 | $ 55,000 | $ 118,000 |
| Butte County California | 1 | $ 155,000 | $ 155,000 | $ 390,000 |
| Kern County California | 1 | $ 105,000 | $ 105,000 | $ 194,000 |
| Lake County California | 1 | $ 175,000 | $ 175,000 | $ 126,000 |
| Madera County California | 1 | $ 55,000 | $ 55,000 | $ 98,000 |
| Mendocino County California | 1 | $ 105,000 | $ 105,000 | $ 211,000 |
| Merced County California | 1 | $ 75,000 | $ 75,000 | $ 182,000 |
| Napa County California | 1 | $ 155,000 | $ 155,000 | $ 185,000 |
| San Luis Obispo County California | 1 | $ 155,000 | $ 155,000 | $ 197,000 |
| Stanislaus County California | 1 | $ 65,000 | $ 65,000 | $ 105,000 |
| Sutter County California | 1 | $ 125,000 | $ 125,000 | $ 143,000 |
| Tulare County California | 1 | $ 135,000 | $ 135,000 | $ 265,000 |
| Yolo County California | 1 | $ 85,000 | $ 85,000 | $ 186,000 |
| Adams County Colorado | 1 | $ 155,000 | $ 155,000 | $ 111,000 |
| Broomfield County Colorado | 1 | $ 375,000 | $ 375,000 | $ 392,000 |
| Elbert County Colorado | 1 | $ 85,000 | $ 85,000 | $ 108,000 |
| Pitkin County Colorado | 1 | $ 225,000 | $ 225,000 | $ 163,000 |
| Routt County Colorado | 1 | $ 185,000 | $ 185,000 | $ 366,000 |
| Hartford County Connecticut | 1 | $ 205,000 | $ 205,000 | $ 574,000 |
| New Haven County Connecticut | 1 | $ 75,000 | $ 75,000 | $ 76,000 |
| New London County Connecticut | 1 | $ 135,000 | $ 135,000 | $ 240,000 |
| Charlotte County Florida | 1 | $ 505,000 | $ 505,000 | $ 411,000 |
| Collier County Florida | 1 | $ 55,000 | $ 55,000 | $ 700,000 |
| Hernando County Florida | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Manatee County Florida | 1 | $ 105,000 | $ 105,000 | $ 382,000 |
| Monroe County Florida | 1 | $ 505,000 | $ 505,000 | $ 257,000 |
| Pasco County Florida | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| St. Lucie County Florida | 1 | $ 255,000 | $ 255,000 | $ 491,000 |
| Volusia County Florida | 1 | $ 175,000 | $ 175,000 | $ 326,000 |
| Walton County Florida | 1 | $ 155,000 | $ 155,000 | $ 520,000 |
| Walton County Georgia | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Benewah County Idaho | 1 | $ 185,000 | $ 185,000 | $ 253,000 |
| Nez Perce County Idaho | 1 | $ 175,000 | $ 175,000 | $ 115,000 |
| Twin Falls County Idaho | 1 | $ 95,000 | $ 95,000 | $ 91,000 |
| Valley County Idaho | 1 | $ 105,000 | $ 105,000 | $ 662,000 |
| DuPage County Illinois | 1 | $ 105,000 | $ 105,000 | $ 398,000 |
| Lake County Illinois | 1 | $ 475,000 | $ 475,000 | $ 338,000 |
| Johnson County Kansas | 1 | $ 155,000 | $ 155,000 | $ 151,000 |
| Carson City County Nevada | 1 | $ 55,000 | $ 55,000 | $ 85,000 |
| Churchill County Nevada | 1 | $ 75,000 | $ 75,000 | $ 162,000 |
| Humboldt County Nevada | 1 | $ 65,000 | $ 65,000 | $ 540,000 |
| Alexander County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 57,000 |
| Alleghany County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 63,000 |
| Anson County North Carolina | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Ashe County North Carolina | 1 | $ 485,000 | $ 485,000 | $ 511,000 |
| Avery County North Carolina | 1 | $ 775,000 | $ 775,000 | $ 191,000 |
| Clay County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 71,000 |
| Dare County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 78,000 |
| Davie County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 147,000 |
| Graham County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 131,000 |
| Hoke County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Hyde County North Carolina | 1 | $ 425,000 | $ 425,000 | $ 258,000 |
| Lee County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Moore County North Carolina | 1 | $ 425,000 | $ 425,000 | $ 79,000 |
| Robeson County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 87,000 |
| Swain County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 29,000 |
| Warren County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 10,000 |
| Custer County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 105,000 |
| Stephens County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 96,000 |
| Benton County Oregon | 1 | $ 155,000 | $ 155,000 | $ 141,000 |
| Columbia County Oregon | 1 | $ 65,000 | $ 65,000 | $ 63,000 |
| Hood River County Oregon | 1 | $ 105,000 | $ 105,000 | $ 167,000 |
| Linn County Oregon | 1 | $ 155,000 | $ 155,000 | $ 167,000 |
| Polk County Oregon | 1 | $ 85,000 | $ 85,000 | $ 166,000 |
| Umatilla County Oregon | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Aiken County South Carolina | 1 | $ 215,000 | $ 215,000 | $ 116,000 |
| Chesterfield County South Carolina | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Colleton County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Darlington County South Carolina | 1 | $ 5,000 | $ 5,000 | $ 34,000 |
| Greenwood County South Carolina | 1 | $ 445,000 | $ 445,000 | $ 121,000 |
| Williamsburg County South Carolina | 1 | $ 5,000 | $ 5,000 | $ 17,000 |
| Bedford County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 83,000 |
| Campbell County Tennessee | 1 | $ 5,000 | $ 5,000 | $ 20,000 |
| Cannon County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 92,000 |
| Coffee County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 67,000 |
| Fentress County Tennessee | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Franklin County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Loudon County Tennessee | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Marshall County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
| Montgomery County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 51,000 |
| Putnam County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 20,000 |
| Scott County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Sequatchie County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 100,000 |
| Unicoi County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Warren County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| White County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 105,000 |
| Box Elder County Utah | 1 | $ 225,000 | $ 225,000 | $ 737,000 |
| Cache County Utah | 1 | $ 405,000 | $ 405,000 | $ 199,000 |
| Duchesne County Utah | 1 | $ 105,000 | $ 105,000 | $ 103,000 |
| Juab County Utah | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| Rich County Utah | 1 | $ 145,000 | $ 145,000 | $ 636,000 |
| Washington County Utah | 1 | $ 125,000 | $ 125,000 | $ 196,000 |
| Alexandria County Virginia | 1 | $ 605,000 | $ 605,000 | $ 139,000 |
| Arlington County Virginia | 1 | $ 105,000 | $ 105,000 | $ 150,000 |
| Danville County Virginia | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Falls Church County Virginia | 1 | $ 75,000 | $ 75,000 | $ 176,000 |
| Hanover County Virginia | 1 | $ 3,125,000 | $ 3,125,000 | $ 0 |
| Martinsville County Virginia | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Montgomery County Virginia | 1 | $ 155,000 | $ 155,000 | $ 114,000 |
| Portsmouth County Virginia | 1 | $ 35,000 | $ 35,000 | $ 55,000 |
| Prince William County Virginia | 1 | $ 35,000 | $ 35,000 | $ 85,000 |
| Suffolk County Virginia | 1 | $ 125,000 | $ 125,000 | $ 175,000 |
| Washington County Virginia | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
| Cowlitz County Washington | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Lewis County Washington | 1 | $ 75,000 | $ 75,000 | $ 98,000 |
| Mason County Washington | 1 | $ 105,000 | $ 105,000 | $ 958,000 |
| Pacific County Washington | 1 | $ 205,000 | $ 205,000 | $ 404,000 |
| San Juan County Washington | 1 | $ 125,000 | $ 125,000 | $ 103,000 |
| Walla Walla County 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.