Hometrust Bank Mortgage Lending & HMDA Data, 2020
In 2020, Hometrust Bank of Asheville, NC reported 4,993 mortgage applications totaling $1.0 billion, up 51% from 2019. The average application was for $205,835, and applicants reported an average income of $158,712. 70% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Asheville, NC (1,630), Greenville-Anderson-Mauldin, SC (283) and Portland-Vancouver-Hillsboro, OR-WA (228) (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 | 4,993 |
| Total Mortgage Loan Application Amount | $1,027,735,000 |
| Average Mortgage Loan Application Amount | $205,835 |
| Highest Mortgage Loan Application Amount | $13,905,000 |
| Average Applicant Income | $158,712 |
| Highest Applicant Income | $4,033,000 |
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Act (HMDA) records Hometrust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,630 | $ 373,280,000 | $ 229,006 | $ 122,000 |
| Outside any metro area | 624 | $ 110,920,000 | $ 177,756 | $ 120,094 |
| Greenville-Anderson-Mauldin, SC | 283 | $ 90,255,000 | $ 318,922 | $ 136,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 228 | $ 38,020,000 | $ 166,754 | $ 244,855 |
| Charlotte-Concord-Gastonia, NC-SC | 182 | $ 46,460,000 | $ 255,274 | $ 173,961 |
| Roanoke, VA | 126 | $ 23,160,000 | $ 183,809 | $ 94,000 |
| Los Angeles-Long Beach-Glendale, CA | 119 | $ 21,645,000 | $ 181,890 | $ 250,000 |
| Raleigh, NC | 115 | $ 35,715,000 | $ 310,565 | $ 273,000 |
| Oakland-Hayward-Berkeley, CA | 101 | $ 19,525,000 | $ 193,316 | $ 261,000 |
| Morristown, TN | 97 | $ 14,755,000 | $ 152,113 | $ 100,000 |
| Miami-Miami Beach-Kendall, FL | 94 | $ 11,780,000 | $ 125,319 | $ 158,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 92 | $ 11,800,000 | $ 128,260 | $ 184,000 |
| Greensboro-High Point, NC | 89 | $ 10,005,000 | $ 112,415 | $ 82,000 |
| Kingsport-Bristol-Bristol, TN-VA | 86 | $ 11,170,000 | $ 129,883 | $ 91,848 |
| San Diego-Carlsbad, CA | 71 | $ 12,585,000 | $ 177,253 | $ 224,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 69 | $ 13,175,000 | $ 190,942 | $ 246,000 |
| Johnson City, TN | 66 | $ 12,690,000 | $ 192,272 | $ 209,000 |
| Anaheim-Santa Ana-Irvine, CA | 63 | $ 12,535,000 | $ 198,968 | $ 264,000 |
| Spartanburg, SC | 63 | $ 12,995,000 | $ 206,269 | $ 113,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 54 | $ 10,510,000 | $ 194,629 | $ 263,000 |
| Winston-Salem, NC | 51 | $ 6,825,000 | $ 133,823 | $ 88,000 |
| Knoxville, TN | 44 | $ 6,400,000 | $ 145,454 | $ 140,000 |
| Riverside-San Bernardino-Ontario, CA | 37 | $ 5,505,000 | $ 148,783 | $ 247,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 37 | $ 5,635,000 | $ 152,297 | $ 185,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 36 | $ 5,630,000 | $ 156,388 | $ 246,000 |
| Tampa-St. Petersburg-Clearwater, FL | 32 | $ 4,760,000 | $ 148,750 | $ 246,000 |
| Orlando-Kissimmee-Sanford, FL | 26 | $ 4,670,000 | $ 179,615 | $ 254,000 |
| Durham-Chapel Hill, NC | 24 | $ 7,510,000 | $ 312,916 | $ 179,000 |
| Lynchburg, VA | 24 | $ 4,980,000 | $ 207,500 | $ 63,000 |
| San Francisco-Redwood City-South San Francisco, CA | 23 | $ 4,765,000 | $ 207,173 | $ 331,000 |
| Bend-Redmond, OR | 22 | $ 4,440,000 | $ 201,818 | $ 264,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 20 | $ 2,940,000 | $ 147,000 | $ 205,000 |
| Stockton-Lodi, CA | 19 | $ 2,505,000 | $ 131,842 | $ 181,000 |
| Phoenix-Mesa-Scottsdale, AZ | 18 | $ 2,370,000 | $ 131,666 | $ 191,000 |
| Santa Maria-Santa Barbara, CA | 18 | $ 2,940,000 | $ 163,333 | $ 236,000 |
| Hickory-Lenoir-Morganton, NC | 16 | $ 4,990,000 | $ 311,875 | $ 151,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 16 | $ 3,940,000 | $ 246,250 | $ 275,937 |
| North Port-Sarasota-Bradenton, FL | 16 | $ 2,460,000 | $ 153,750 | $ 263,000 |
| Santa Rosa, CA | 16 | $ 2,850,000 | $ 178,125 | $ 227,000 |
| Vallejo-Fairfield, CA | 12 | $ 2,030,000 | $ 169,166 | $ 202,000 |
| Salem, OR | 11 | $ 2,055,000 | $ 186,818 | $ 164,000 |
| Bridgeport-Stamford-Norwalk, CT | 10 | $ 1,730,000 | $ 173,000 | $ 221,000 |
| Columbia, SC | 10 | $ 1,790,000 | $ 179,000 | $ 131,000 |
| San Rafael, CA | 9 | $ 1,755,000 | $ 195,000 | $ 407,000 |
| Jacksonville, FL | 8 | $ 960,000 | $ 120,000 | $ 210,000 |
| Charleston-North Charleston, SC | 7 | $ 2,015,000 | $ 287,857 | $ 163,000 |
| Chattanooga, TN-GA | 7 | $ 1,245,000 | $ 177,857 | $ 335,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 915,000 | $ 130,714 | $ 241,000 |
| Medford, OR | 7 | $ 1,265,000 | $ 180,714 | $ 211,000 |
| Salinas, CA | 7 | $ 1,175,000 | $ 167,857 | $ 242,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 1,475,000 | $ 210,714 | $ 139,285 |
| Wilmington, NC | 7 | $ 1,865,000 | $ 266,428 | $ 191,000 |
| Kansas City, MO-KS | 6 | $ 1,210,000 | $ 201,666 | $ 203,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 1,270,000 | $ 211,666 | $ 304,000 |
| Modesto, CA | 5 | $ 495,000 | $ 99,000 | $ 240,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 430,000 | $ 107,500 | $ 103,000 |
| Chico, CA | 4 | $ 630,000 | $ 157,500 | $ 234,000 |
| Fresno, CA | 4 | $ 590,000 | $ 147,500 | $ 169,000 |
| Hartford-West Hartford-East Hartford, CT | 4 | $ 290,000 | $ 72,500 | $ 205,000 |
| Madera, CA | 4 | $ 380,000 | $ 95,000 | $ 305,000 |
| New Haven-Milford, CT | 4 | $ 590,000 | $ 147,500 | $ 290,000 |
| Port St. Lucie, FL | 4 | $ 650,000 | $ 162,500 | $ 321,000 |
| Richmond, VA | 4 | $ 1,150,000 | $ 287,500 | $ 306,000 |
| Corvallis, OR | 3 | $ 565,000 | $ 188,333 | $ 264,000 |
| Eugene, OR | 3 | $ 605,000 | $ 201,666 | $ 358,000 |
| Greenville, NC | 3 | $ 1,255,000 | $ 418,333 | $ 145,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 555,000 | $ 185,000 | $ 99,000 |
| Memphis, TN-MS-AR | 3 | $ 115,000 | $ 38,333 | $ 143,000 |
| Bakersfield, CA | 2 | $ 190,000 | $ 95,000 | $ 293,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 130,000 | $ 65,000 | $ 103,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 7,110,000 | $ 3,555,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 2 | $ 140,000 | $ 70,000 | $ 162,000 |
| Cincinnati, OH-KY-IN | 2 | $ 60,000 | $ 30,000 | $ 82,000 |
| Clarksville, TN-KY | 2 | $ 420,000 | $ 210,000 | $ 133,000 |
| Napa, CA | 2 | $ 140,000 | $ 70,000 | $ 121,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 240,000 | $ 120,000 | $ 220,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 610,000 | $ 305,000 | $ 99,000 |
| New York-Newark, NY | 2 | $ 160,000 | $ 80,000 | $ 87,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 140,000 | $ 70,000 | $ 212,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 360,000 | $ 180,000 | $ 122,000 |
| Sebastian-Vero Beach, FL | 2 | $ 190,000 | $ 95,000 | $ 140,000 |
| Visalia-Porterville, CA | 2 | $ 250,000 | $ 125,000 | $ 396,000 |
| Wilmington, DE-MD-NJ | 2 | $ 220,000 | $ 110,000 | $ 189,000 |
| Albany, OR | 1 | $ 115,000 | $ 115,000 | $ 145,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| Albuquerque, NM | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Camden, NJ | 1 | $ 145,000 | $ 145,000 | $ 37,000 |
| Cedar Rapids, IA | 1 | $ 105,000 | $ 105,000 | $ 72,000 |
| Charlottesville, VA | 1 | $ 205,000 | $ 205,000 | $ 176,000 |
| Cleveland, TN | 1 | $ 105,000 | $ 105,000 | $ 121,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 55,000 | $ 55,000 | $ 333,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 215,000 | $ 215,000 | $ 218,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 335,000 | $ 335,000 | $ 144,000 |
| Fayetteville, NC | 1 | $ 205,000 | $ 205,000 | $ 46,000 |
| Flagstaff, AZ | 1 | $ 205,000 | $ 205,000 | $ 470,000 |
| Goldsboro, NC | 1 | $ 205,000 | $ 205,000 | $ 34,000 |
| Jacksonville, NC | 1 | $ 225,000 | $ 225,000 | $ 140,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 185,000 | $ 185,000 | $ 24,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 465,000 | $ 465,000 | $ 4,033,000 |
| New Bern, NC | 1 | $ 5,000 | $ 5,000 | $ 60,000 |
| New Orleans-Metairie, LA | 1 | $ 155,000 | $ 155,000 | $ 25,000 |
| Ocean City, NJ | 1 | $ 35,000 | $ 35,000 | $ 30,000 |
| Ogden-Clearfield, UT | 1 | $ 25,000 | $ 25,000 | $ 17,000 |
| Providence-Warwick, RI-MA | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Redding, CA | 1 | $ 55,000 | $ 55,000 | $ 83,000 |
| Rocky Mount, NC | 1 | $ 85,000 | $ 85,000 | $ 147,000 |
| Salisbury, MD-DE | 1 | $ 185,000 | $ 185,000 | $ 220,000 |
| Sumter, SC | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Tacoma-Lakewood, WA | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Tulsa, OK | 1 | $ 65,000 | $ 65,000 | $ 350,000 |
| Valdosta, GA | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Wichita, KS | 1 | $ 25,000 | $ 25,000 | $ 87,000 |
| Yuba City, CA | 1 | $ 25,000 | $ 25,000 | $ 141,000 |
Mortgage Loan Application Detail Totals for Hometrust Bank in 2020
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 2,062 | $505,090,000 | $244,000 | $13,905,000 | $191,000 | $2,903,000 |
| Refinancing | 1,498 | $318,050,000 | $212,000 | $6,175,000 | $147,000 | $4,033,000 |
| Other Purpose | 613 | $70,625,000 | $115,000 | $1,805,000 | $156,000 | $3,360,000 |
| Cash-out Refinancing | 421 | $99,665,000 | $236,000 | $1,005,000 | $99,000 | $478,000 |
| Home Improvement | 399 | $34,305,000 | $85,000 | $805,000 | $103,000 | $1,848,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 3,944 | $801,700,000 | $203,000 | $2,795,000 | $155,000 | $4,033,000 |
| Not Provided | 411 | $82,205,000 | $200,000 | $1,385,000 | $202,000 | $3,360,000 |
| Hispanic | 224 | $32,460,000 | $144,000 | $515,000 | $163,000 | $715,000 |
| Asian | 180 | $34,110,000 | $189,000 | $1,075,000 | $193,000 | $979,000 |
| Black or African American | 134 | $15,930,000 | $118,000 | $615,000 | $103,000 | $500,000 |
| Not applicable | 68 | $55,840,000 | $821,000 | $13,905,000 | $0 | $0 |
| American Indian or Alaskan Native | 16 | $2,220,000 | $138,000 | $515,000 | $105,000 | $241,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $930,000 | $155,000 | $395,000 | $130,000 | $357,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4,904 | $1,011,560,000 | $206,000 | $13,905,000 | $161,000 | $4,033,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 84 | $15,600,000 | $185,000 | $315,000 | $53,000 | $97,000 |
| FHA-insured (Federal Housing Administration) | 5 | $575,000 | $115,000 | $185,000 | $52,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 3,488 | $753,880,000 | $216,000 | $6,175,000 | $165,000 | $2,969,000 |
| Application Denied By Financial Institution | 871 | $132,745,000 | $152,000 | $13,905,000 | $123,000 | $4,033,000 |
| Application Withdrawn By Applicant | 516 | $116,150,000 | $225,000 | $2,635,000 | $181,000 | $2,954,000 |
| File Closed For Incompleteness | 65 | $16,055,000 | $247,000 | $1,105,000 | $120,000 | $585,000 |
| Application Approved But Not Accepted | 43 | $6,845,000 | $159,000 | $725,000 | $210,000 | $1,155,000 |
| Preapproval Approved but not Accepted | 7 | $1,305,000 | $186,000 | $265,000 | $81,000 | $301,000 |
| Preapproval Denied by Financial Institution | 3 | $755,000 | $251,000 | $305,000 | $63,000 | $83,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 4,119 | $894,235,000 | $217,000 | $6,175,000 | $167,000 | $2,969,000 |
| Debt-To-Income Ratio | 295 | $45,755,000 | $155,000 | $705,000 | $85,000 | $535,000 |
| Credit History | 271 | $23,515,000 | $86,000 | $1,305,000 | $90,000 | $1,848,000 |
| Other | 183 | $28,455,000 | $155,000 | $515,000 | $185,000 | $4,033,000 |
| Collateral | 109 | $18,465,000 | $169,000 | $1,005,000 | $216,000 | $3,360,000 |
| Unverifiable Information | 10 | $15,640,000 | $1,564,000 | $13,905,000 | $43,000 | $85,000 |
| Employment History | 3 | $725,000 | $241,000 | $285,000 | $74,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $945,000 | $315,000 | $665,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hometrust Bank's 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Hometrust Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About