Hometrust Bank Mortgage Lending & HMDA Data, 2024
In 2024, Hometrust Bank of Asheville, NC reported 2,509 mortgage applications totaling $680.5 million, down 46% from 2023. The average application was for $271,237, and applicants reported an average income of $209,920. 62% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Asheville, NC (487), Charlotte-Concord-Gastonia, NC-SC (162) and Greensboro-High Point, NC (120) (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 | 2,509 |
| Total Mortgage Loan Application Amount | $680,535,000 |
| Average Mortgage Loan Application Amount | $271,237 |
| Highest Mortgage Loan Application Amount | $19,505,000 |
| Average Applicant Income | $209,920 |
| Highest Applicant Income | $4,766,000 |
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Act (HMDA) records Hometrust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 487 | $ 138,355,000 | $ 284,096 | $ 157,000 |
| Outside any metro area | 431 | $ 92,345,000 | $ 214,257 | $ 131,651 |
| Charlotte-Concord-Gastonia, NC-SC | 162 | $ 37,160,000 | $ 229,382 | $ 189,000 |
| Greensboro-High Point, NC | 120 | $ 12,570,000 | $ 104,750 | $ 87,000 |
| Los Angeles-Long Beach-Glendale, CA | 113 | $ 42,495,000 | $ 376,061 | $ 429,000 |
| Roanoke, VA | 89 | $ 24,925,000 | $ 280,056 | $ 107,000 |
| Raleigh, NC | 71 | $ 30,695,000 | $ 432,323 | $ 195,000 |
| Atlanta-Sandy Springs-Roswell, GA | 54 | $ 18,030,000 | $ 333,888 | $ 227,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 46 | $ 10,400,000 | $ 226,086 | $ 265,000 |
| Greenville-Anderson-Mauldin, SC | 43 | $ 18,065,000 | $ 420,116 | $ 169,000 |
| Anaheim-Santa Ana-Irvine, CA | 40 | $ 13,900,000 | $ 347,500 | $ 327,000 |
| Johnson City, TN | 39 | $ 8,975,000 | $ 230,128 | $ 218,000 |
| Morristown, TN | 39 | $ 5,735,000 | $ 147,051 | $ 111,000 |
| San Diego-Carlsbad, CA | 38 | $ 14,820,000 | $ 390,000 | $ 356,000 |
| Winston-Salem, NC | 35 | $ 3,115,000 | $ 89,000 | $ 85,000 |
| Miami-Miami Beach-Kendall, FL | 33 | $ 6,365,000 | $ 192,878 | $ 268,000 |
| Oakland-Hayward-Berkeley, CA | 29 | $ 10,855,000 | $ 374,310 | $ 418,000 |
| Kingsport-Bristol-Bristol, TN-VA | 27 | $ 4,465,000 | $ 165,370 | $ 132,925 |
| Knoxville, TN | 25 | $ 4,785,000 | $ 191,400 | $ 300,000 |
| Phoenix-Mesa-Scottsdale, AZ | 25 | $ 7,015,000 | $ 280,600 | $ 328,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 25 | $ 7,845,000 | $ 313,800 | $ 338,400 |
| Sacramento--Roseville--Arden-Arcade, CA | 23 | $ 6,915,000 | $ 300,652 | $ 296,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 23 | $ 8,895,000 | $ 386,739 | $ 318,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 22 | $ 7,480,000 | $ 340,000 | $ 585,000 |
| Riverside-San Bernardino-Ontario, CA | 22 | $ 4,770,000 | $ 216,818 | $ 228,000 |
| Hickory-Lenoir-Morganton, NC | 18 | $ 6,760,000 | $ 375,555 | $ 211,000 |
| Orlando-Kissimmee-Sanford, FL | 18 | $ 4,360,000 | $ 242,222 | $ 280,000 |
| Seattle-Bellevue-Everett, WA | 18 | $ 5,070,000 | $ 281,666 | $ 455,000 |
| Spartanburg, SC | 16 | $ 3,120,000 | $ 195,000 | $ 186,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 15 | $ 4,825,000 | $ 321,666 | $ 473,000 |
| Las Vegas-Henderson-Paradise, NV | 14 | $ 2,890,000 | $ 206,428 | $ 257,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 14 | $ 3,600,000 | $ 257,142 | $ 348,000 |
| San Francisco-Redwood City-South San Francisco, CA | 14 | $ 5,910,000 | $ 422,142 | $ 404,000 |
| Stockton-Lodi, CA | 14 | $ 3,600,000 | $ 257,142 | $ 265,000 |
| Everett, WA | 12 | $ 3,510,000 | $ 292,500 | $ 378,000 |
| Wilmington, DE-MD-NJ | 12 | $ 2,520,000 | $ 210,000 | $ 182,000 |
| Marietta, GA | 10 | $ 3,790,000 | $ 379,000 | $ 400,000 |
| Fresno, CA | 9 | $ 2,205,000 | $ 245,000 | $ 212,000 |
| San Rafael, CA | 9 | $ 4,105,000 | $ 456,111 | $ 431,000 |
| Wilmington, NC | 9 | $ 4,695,000 | $ 521,666 | $ 215,000 |
| Arlington-Alexandria-Reston, VA-WV | 8 | $ 21,380,000 | $ 2,672,500 | $ 307,000 |
| Boise City, ID | 8 | $ 1,310,000 | $ 163,750 | $ 221,000 |
| Denver-Aurora-Lakewood, CO | 8 | $ 2,080,000 | $ 260,000 | $ 192,000 |
| Durham-Chapel Hill, NC | 8 | $ 2,550,000 | $ 318,750 | $ 389,000 |
| Lynchburg, VA | 8 | $ 1,330,000 | $ 166,250 | $ 165,000 |
| Naples-Immokalee-Marco Island, FL | 8 | $ 2,060,000 | $ 257,500 | $ 289,000 |
| Columbia, SC | 7 | $ 1,395,000 | $ 199,285 | $ 150,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 7 | $ 2,715,000 | $ 387,857 | $ 415,000 |
| Santa Cruz-Watsonville, CA | 7 | $ 2,605,000 | $ 372,142 | $ 258,000 |
| Santa Rosa, CA | 7 | $ 1,995,000 | $ 285,000 | $ 212,000 |
| Tampa, FL | 7 | $ 1,375,000 | $ 196,428 | $ 414,000 |
| Santa Maria-Santa Barbara, CA | 6 | $ 2,000,000 | $ 333,333 | $ 251,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 725,000 | $ 145,000 | $ 294,000 |
| Charleston-North Charleston, SC | 5 | $ 3,705,000 | $ 741,000 | $ 337,000 |
| Eugene, OR | 5 | $ 625,000 | $ 125,000 | $ 120,000 |
| Salinas, CA | 5 | $ 1,165,000 | $ 233,000 | $ 304,000 |
| Tacoma-Lakewood, WA | 5 | $ 1,435,000 | $ 287,000 | $ 219,000 |
| Bakersfield, CA | 4 | $ 930,000 | $ 232,500 | $ 248,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 610,000 | $ 152,500 | $ 80,000 |
| Chattanooga, TN-GA | 4 | $ 750,000 | $ 187,500 | $ 185,000 |
| Coeur D'Alene, ID | 4 | $ 430,000 | $ 107,500 | $ 116,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 2,030,000 | $ 507,500 | $ 213,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,210,000 | $ 302,500 | $ 258,000 |
| Redding, CA | 4 | $ 1,040,000 | $ 260,000 | $ 393,000 |
| Reno, NV | 4 | $ 770,000 | $ 192,500 | $ 286,000 |
| Salt Lake City, UT | 4 | $ 870,000 | $ 217,500 | $ 203,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 980,000 | $ 245,000 | $ 435,750 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 725,000 | $ 241,666 | $ 307,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 505,000 | $ 168,333 | $ 402,000 |
| Memphis, TN-MS-AR | 3 | $ 595,000 | $ 198,333 | $ 169,000 |
| Modesto, CA | 3 | $ 565,000 | $ 188,333 | $ 63,000 |
| Napa, CA | 3 | $ 925,000 | $ 308,333 | $ 314,000 |
| Port St. Lucie, FL | 3 | $ 735,000 | $ 245,000 | $ 153,000 |
| Provo-Orem, UT | 3 | $ 685,000 | $ 228,333 | $ 253,000 |
| Salem, OR | 3 | $ 535,000 | $ 178,333 | $ 150,000 |
| Vallejo-Fairfield, CA | 3 | $ 225,000 | $ 75,000 | $ 131,000 |
| Bellingham, WA | 2 | $ 380,000 | $ 190,000 | $ 235,000 |
| Bend-Redmond, OR | 2 | $ 380,000 | $ 190,000 | $ 145,000 |
| Colorado Springs, CO | 2 | $ 480,000 | $ 240,000 | $ 504,000 |
| Flagstaff, AZ | 2 | $ 140,000 | $ 70,000 | $ 65,000 |
| Gainesville, GA | 2 | $ 150,000 | $ 75,000 | $ 56,000 |
| Jacksonville, FL | 2 | $ 380,000 | $ 190,000 | $ 321,000 |
| Lakeland-Winter Haven, FL | 2 | $ 110,000 | $ 55,000 | $ 112,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 80,000 | $ 40,000 | $ 116,000 |
| Ocala, FL | 2 | $ 630,000 | $ 315,000 | $ 112,000 |
| Pinehurst-Southern Pines, NC | 2 | $ 610,000 | $ 305,000 | $ 187,000 |
| Prescott Valley-Prescott, AZ | 2 | $ 320,000 | $ 160,000 | $ 419,000 |
| Savannah, GA | 2 | $ 310,000 | $ 155,000 | $ 113,000 |
| Spokane-Spokane Valley, WA | 2 | $ 420,000 | $ 210,000 | $ 145,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 180,000 | $ 90,000 | $ 148,000 |
| Twin Falls, ID | 2 | $ 110,000 | $ 55,000 | $ 101,000 |
| Albany, GA | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Albany, OR | 1 | $ 55,000 | $ 55,000 | $ 78,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 55,000 | $ 55,000 | $ 68,000 |
| Boulder, CO | 1 | $ 605,000 | $ 605,000 | $ 360,000 |
| Bremerton-Silverdale, WA | 1 | $ 55,000 | $ 55,000 | $ 152,000 |
| Charlottesville, VA | 1 | $ 255,000 | $ 255,000 | $ 329,000 |
| Cincinnati, OH-KY-IN | 1 | $ 155,000 | $ 155,000 | $ 406,000 |
| Cleveland, TN | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| Columbus, GA-AL | 1 | $ 135,000 | $ 135,000 | $ 137,000 |
| Dover, DE | 1 | $ 105,000 | $ 105,000 | $ 110,000 |
| Fayetteville, NC | 1 | $ 175,000 | $ 175,000 | $ 99,000 |
| Gainesville, FL | 1 | $ 285,000 | $ 285,000 | $ 1,256,000 |
| Goldsboro, NC | 1 | $ 1,915,000 | $ 1,915,000 | $ 0 |
| Greenville, NC | 1 | $ 55,000 | $ 55,000 | $ 182,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 105,000 | $ 105,000 | $ 300,000 |
| Idaho Falls, ID | 1 | $ 135,000 | $ 135,000 | $ 110,000 |
| Longview, WA | 1 | $ 125,000 | $ 125,000 | $ 82,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 125,000 | $ 125,000 | $ 271,000 |
| Merced, CA | 1 | $ 205,000 | $ 205,000 | $ 256,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 435,000 | $ 435,000 | $ 420,000 |
| Ogden-Clearfield, UT | 1 | $ 505,000 | $ 505,000 | $ 79,000 |
| Oklahoma City, OK | 1 | $ 555,000 | $ 555,000 | $ 552,000 |
| Olympia-Tumwater, WA | 1 | $ 105,000 | $ 105,000 | $ 81,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 195,000 | $ 195,000 | $ 202,000 |
| Panama City, FL | 1 | $ 145,000 | $ 145,000 | $ 270,000 |
| Punta Gorda, FL | 1 | $ 405,000 | $ 405,000 | $ 356,000 |
| Richmond, VA | 1 | $ 285,000 | $ 285,000 | $ 74,000 |
| Rocky Mount, NC | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| Tulsa, OK | 1 | $ 25,000 | $ 25,000 | $ 146,000 |
| Valdosta, GA | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
| Walla Walla, WA | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Wenatchee, WA | 1 | $ 255,000 | $ 255,000 | $ 221,000 |
| Wildwood-The Villages, FL | 1 | $ 95,000 | $ 95,000 | $ 114,000 |
| Yuba City, CA | 1 | $ 305,000 | $ 305,000 | $ 94,000 |
| Yuma, AZ | 1 | $ 55,000 | $ 55,000 | $ 129,000 |
Mortgage Loan Application Detail Totals for Hometrust Bank in 2024
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 1,278 | $269,440,000 | $210,000 | $1,005,000 | $218,000 | $4,766,000 |
| Home Purchase | 700 | $259,520,000 | $370,000 | $10,745,000 | $211,000 | $2,100,000 |
| Refinancing | 376 | $122,340,000 | $325,000 | $19,505,000 | $207,000 | $1,329,000 |
| Home Improvement | 110 | $15,120,000 | $137,000 | $1,005,000 | $140,000 | $2,942,000 |
| Cash-out Refinancing | 45 | $14,115,000 | $313,000 | $1,205,000 | $159,000 | $1,400,000 |
| 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 | 1,803 | $446,295,000 | $247,000 | $2,555,000 | $202,000 | $3,581,000 |
| Not Provided | 258 | $73,130,000 | $283,000 | $1,255,000 | $262,000 | $2,100,000 |
| Hispanic | 165 | $32,495,000 | $196,000 | $765,000 | $218,000 | $4,766,000 |
| Black or African American | 126 | $24,260,000 | $192,000 | $1,005,000 | $137,000 | $1,845,000 |
| Asian | 112 | $35,390,000 | $315,000 | $1,205,000 | $292,000 | $1,248,000 |
| Not applicable | 33 | $66,795,000 | $2,024,000 | $19,505,000 | $0 | $0 |
| American Indian or Alaskan Native | 8 | $1,100,000 | $137,000 | $305,000 | $129,000 | $255,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,025,000 | $341,000 | $655,000 | $202,000 | $280,000 |
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) | 2,501 | $678,695,000 | $271,000 | $19,505,000 | $210,000 | $4,766,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,840,000 | $230,000 | $325,000 | $87,000 | $108,000 |
| 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 | 1,562 | $442,710,000 | $283,000 | $19,505,000 | $226,000 | $4,766,000 |
| Application Denied By Financial Institution | 617 | $137,885,000 | $223,000 | $3,005,000 | $149,000 | $1,300,000 |
| Application Withdrawn By Applicant | 224 | $68,880,000 | $307,000 | $1,995,000 | $243,000 | $2,942,000 |
| File Closed For Incompleteness | 60 | $17,980,000 | $299,000 | $1,205,000 | $278,000 | $1,521,000 |
| Application Approved But Not Accepted | 39 | $10,405,000 | $266,000 | $505,000 | $264,000 | $756,000 |
| Preapproval Denied by Financial Institution | 4 | $1,360,000 | $340,000 | $905,000 | $129,000 | $297,000 |
| Preapproval Approved but not Accepted | 3 | $1,315,000 | $438,000 | $715,000 | $82,000 | $87,000 |
| 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 | 1,888 | $541,290,000 | $286,000 | $19,505,000 | $230,000 | $4,766,000 |
| Debt-To-Income Ratio | 363 | $90,805,000 | $250,000 | $1,915,000 | $123,000 | $728,000 |
| Credit History | 158 | $20,560,000 | $130,000 | $655,000 | $134,000 | $1,300,000 |
| Collateral | 56 | $10,440,000 | $186,000 | $765,000 | $257,000 | $1,266,000 |
| Other | 30 | $12,540,000 | $418,000 | $3,005,000 | $298,000 | $1,031,000 |
| Unverifiable Information | 12 | $4,750,000 | $395,000 | $515,000 | $244,000 | $752,000 |
| Employment History | 2 | $150,000 | $75,000 | $125,000 | $107,000 | $139,000 |
| 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 2024 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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