Hometrust Bank Mortgage Lending & HMDA Data, 2019
In 2019, Hometrust Bank of Asheville, NC reported 3,296 mortgage applications totaling $681.8 million, up 15% from 2018. The average application was for $206,841, and applicants reported an average income of $130,849. 65% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Asheville, NC (1,310), Charlotte-Concord-Gastonia, NC-SC (176) and Greenville-Anderson-Mauldin, SC (175) (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 | 3,296 |
| Total Mortgage Loan Application Amount | $681,750,000 |
| Average Mortgage Loan Application Amount | $206,841 |
| Highest Mortgage Loan Application Amount | $35,005,000 |
| Average Applicant Income | $130,849 |
| Highest Applicant Income | $5,694,000 |
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Act (HMDA) records Hometrust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Asheville, NC | 1,310 | $ 269,690,000 | $ 205,870 | $ 117,000 |
| Outside any metro area | 540 | $ 81,660,000 | $ 151,222 | $ 90,164 |
| Charlotte-Concord-Gastonia, NC-SC | 176 | $ 53,510,000 | $ 304,034 | $ 198,795 |
| Greenville-Anderson-Mauldin, SC | 175 | $ 54,395,000 | $ 310,828 | $ 136,000 |
| Johnson City, TN | 117 | $ 22,215,000 | $ 189,871 | $ 101,000 |
| Roanoke, VA | 113 | $ 14,925,000 | $ 132,079 | $ 78,000 |
| Morristown, TN | 112 | $ 10,810,000 | $ 96,517 | $ 75,000 |
| Greensboro-High Point, NC | 106 | $ 8,550,000 | $ 80,660 | $ 73,000 |
| Kingsport-Bristol-Bristol, TN-VA | 99 | $ 12,865,000 | $ 129,949 | $ 82,353 |
| Raleigh, NC | 63 | $ 25,775,000 | $ 409,126 | $ 435,000 |
| Spartanburg, SC | 63 | $ 10,285,000 | $ 163,253 | $ 89,000 |
| Knoxville, TN | 58 | $ 11,540,000 | $ 198,965 | $ 396,000 |
| Winston-Salem, NC | 48 | $ 6,940,000 | $ 144,583 | $ 72,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 39 | $ 5,845,000 | $ 149,871 | $ 199,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 37 | $ 4,515,000 | $ 122,027 | $ 170,000 |
| Los Angeles-Long Beach-Glendale, CA | 30 | $ 4,870,000 | $ 162,333 | $ 239,000 |
| Oakland-Hayward-Berkeley, CA | 19 | $ 3,595,000 | $ 189,210 | $ 245,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 13 | $ 2,105,000 | $ 161,923 | $ 233,000 |
| Hickory-Lenoir-Morganton, NC | 10 | $ 4,760,000 | $ 476,000 | $ 222,000 |
| Lynchburg, VA | 10 | $ 960,000 | $ 96,000 | $ 76,000 |
| Miami-Miami Beach-Kendall, FL | 10 | $ 550,000 | $ 55,000 | $ 102,000 |
| San Diego-Carlsbad, CA | 10 | $ 1,500,000 | $ 150,000 | $ 268,000 |
| Anaheim-Santa Ana-Irvine, CA | 8 | $ 1,060,000 | $ 132,500 | $ 317,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 8 | $ 930,000 | $ 116,250 | $ 196,000 |
| Wilmington, NC | 8 | $ 5,600,000 | $ 700,000 | $ 538,000 |
| Durham-Chapel Hill, NC | 7 | $ 3,785,000 | $ 540,714 | $ 258,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 2,715,000 | $ 387,857 | $ 276,000 |
| Bend-Redmond, OR | 5 | $ 475,000 | $ 95,000 | $ 248,000 |
| Chattanooga, TN-GA | 5 | $ 3,345,000 | $ 669,000 | $ 386,000 |
| Columbia, SC | 5 | $ 1,045,000 | $ 209,000 | $ 122,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 5 | $ 1,625,000 | $ 325,000 | $ 343,200 |
| Richmond, VA | 5 | $ 1,785,000 | $ 357,000 | $ 188,000 |
| Charleston-North Charleston, SC | 4 | $ 1,120,000 | $ 280,000 | $ 388,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 360,000 | $ 90,000 | $ 221,000 |
| Stockton-Lodi, CA | 4 | $ 410,000 | $ 102,500 | $ 144,000 |
| Vallejo-Fairfield, CA | 4 | $ 230,000 | $ 57,500 | $ 141,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 315,000 | $ 105,000 | $ 125,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 350,000 | $ 175,000 | $ 125,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 290,000 | $ 145,000 | $ 3,000 |
| Cleveland, TN | 2 | $ 180,000 | $ 90,000 | $ 77,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 570,000 | $ 285,000 | $ 555,000 |
| Kansas City, MO-KS | 2 | $ 150,000 | $ 75,000 | $ 155,000 |
| Memphis, TN-MS-AR | 2 | $ 190,000 | $ 95,000 | $ 141,000 |
| New Bern, NC | 2 | $ 490,000 | $ 245,000 | $ 115,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 270,000 | $ 135,000 | $ 191,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 630,000 | $ 315,000 | $ 515,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 530,000 | $ 265,000 | $ 263,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 550,000 | $ 275,000 | $ 348,000 |
| Beaumont-Port Arthur, TX | 1 | $ 35,000 | $ 35,000 | $ 73,000 |
| Birmingham-Hoover, AL | 1 | $ 35,005,000 | $ 35,005,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 295,000 | $ 295,000 | $ 50,000 |
| Cincinnati, OH-KY-IN | 1 | $ 215,000 | $ 215,000 | $ 142,000 |
| Dallas-Plano-Irving, TX | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Elkhart-Goshen, IN | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| Florence, SC | 1 | $ 45,000 | $ 45,000 | $ 25,000 |
| Fort Worth-Arlington, TX | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Fresno, CA | 1 | $ 315,000 | $ 315,000 | $ 336,000 |
| Jackson, TN | 1 | $ 105,000 | $ 105,000 | $ 124,000 |
| Jacksonville, FL | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Medford, OR | 1 | $ 55,000 | $ 55,000 | $ 231,000 |
| Napa, CA | 1 | $ 55,000 | $ 55,000 | $ 115,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 85,000 | $ 85,000 | $ 240,000 |
| Newark, NJ-PA | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 205,000 | $ 205,000 | $ 176,000 |
| Rocky Mount, NC | 1 | $ 5,000 | $ 5,000 | $ 132,000 |
| Salem, OR | 1 | $ 265,000 | $ 265,000 | $ 209,000 |
| San Rafael, CA | 1 | $ 125,000 | $ 125,000 | $ 202,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 215,000 | $ 215,000 | $ 481,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 55,000 | $ 55,000 | $ 85,000 |
| Santa Rosa, CA | 1 | $ 45,000 | $ 45,000 | $ 153,000 |
| Savannah, GA | 1 | $ 1,175,000 | $ 1,175,000 | $ 0 |
| Tucson, AZ | 1 | $ 25,000 | $ 25,000 | $ 27,000 |
| Tulsa, OK | 1 | $ 65,000 | $ 65,000 | $ 343,000 |
| Tyler, TX | 1 | $ 15,000 | $ 15,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for Hometrust Bank in 2019
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 | 1,152 | $367,430,000 | $318,000 | $35,005,000 | $142,000 | $4,100,000 |
| Refinancing | 700 | $148,420,000 | $212,000 | $10,505,000 | $146,000 | $3,296,000 |
| Other Purpose | 630 | $60,170,000 | $95,000 | $2,005,000 | $134,000 | $4,964,000 |
| Home Improvement | 491 | $34,925,000 | $71,000 | $505,000 | $100,000 | $5,694,000 |
| Cash-out Refinancing | 323 | $70,805,000 | $219,000 | $1,505,000 | $99,000 | $1,106,000 |
| 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 | 2,822 | $524,790,000 | $185,000 | $2,785,000 | $129,000 | $5,694,000 |
| Not Provided | 175 | $40,925,000 | $233,000 | $1,505,000 | $165,000 | $1,436,000 |
| Hispanic | 86 | $11,360,000 | $132,000 | $645,000 | $109,000 | $429,000 |
| Black or African American | 78 | $8,680,000 | $111,000 | $455,000 | $78,000 | $250,000 |
| Asian | 73 | $16,385,000 | $224,000 | $1,225,000 | $195,000 | $1,133,000 |
| Not applicable | 53 | $78,635,000 | $1,483,000 | $35,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $635,000 | $90,000 | $185,000 | $62,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $285,000 | $285,000 | $285,000 | $118,000 | $118,000 |
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) | 3,190 | $663,820,000 | $208,000 | $35,005,000 | $133,000 | $5,694,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 90 | $15,060,000 | $167,000 | $305,000 | $52,000 | $93,000 |
| FHA-insured (Federal Housing Administration) | 12 | $2,230,000 | $185,000 | $315,000 | $68,000 | $139,000 |
| VA-guaranteed (Veterans Administration) | 4 | $640,000 | $160,000 | $205,000 | $60,000 | $83,000 |
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 | 2,135 | $457,515,000 | $214,000 | $10,505,000 | $144,000 | $4,964,000 |
| Application Denied By Financial Institution | 787 | $95,005,000 | $120,000 | $1,505,000 | $84,000 | $1,069,000 |
| Application Withdrawn By Applicant | 290 | $105,740,000 | $364,000 | $35,005,000 | $134,000 | $1,439,000 |
| File Closed For Incompleteness | 61 | $18,555,000 | $304,000 | $1,505,000 | $284,000 | $5,694,000 |
| Application Approved But Not Accepted | 17 | $3,365,000 | $197,000 | $485,000 | $116,000 | $263,000 |
| Preapproval Approved but not Accepted | 4 | $1,370,000 | $342,000 | $485,000 | $90,000 | $116,000 |
| Preapproval Denied by Financial Institution | 2 | $200,000 | $100,000 | $115,000 | $52,000 | $69,000 |
| 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 | 2,507 | $586,545,000 | $233,000 | $35,005,000 | $146,000 | $5,694,000 |
| Credit History | 317 | $27,845,000 | $87,000 | $1,505,000 | $79,000 | $901,000 |
| Debt-To-Income Ratio | 273 | $40,145,000 | $147,000 | $1,225,000 | $64,000 | $333,000 |
| Collateral | 96 | $10,840,000 | $112,000 | $605,000 | $132,000 | $815,000 |
| Other | 89 | $13,725,000 | $154,000 | $755,000 | $104,000 | $1,069,000 |
| Employment History | 8 | $1,290,000 | $161,000 | $615,000 | $50,000 | $120,000 |
| Unverifiable Information | 4 | $860,000 | $215,000 | $415,000 | $182,000 | $307,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $500,000 | $250,000 | $445,000 | $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 2019 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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