Lender in North Carolina · HMDA 2025
HomeTrust Bank mortgages in North Carolina
HomeTrust Bank's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
HomeTrust Bank originated 397 owner-occupied single-family loans in North Carolina from 439 completed applications.
Its median conventional purchase loan costs were $4,480 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.375% (North Carolina: 6.50%).
Loans in NC
397
of 439 applications
Denial rate
9.4%
Purchase · NC 7.6%
Rate spread
+0.14 pts
Conv. · NC +0.04 pts
Loan amount
$315,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 360 | 326 | 9.4% | 6.375% | +0.14 pts | $4,480 | $315,000 |
| Refinance | 59 | 53 | 10.2% | 6.375% | −0.21 pts | $3,600 | $345,000 |
| Cash-out refinance | 20 | 18 | 10.0% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where HomeTrust Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Polk County | 1 | 22 | 9.4% |
| Madison County | 5 | 8 | 4.2% |
| Buncombe County | 6 | 131 | 4.4% |
| Haywood County | 7 | 44 | 5.0% |
| Henderson County | 9 | 52 | 3.0% |
| Cleveland County | 9 | 29 | 2.4% |
| Jackson County | 10 | 7 | 2.4% |
| Rutherford County | 11 | 11 | 1.6% |
| Transylvania County | 12 | 7 | 2.4% |
| McDowell County | 13 | 6 | 1.3% |
| Yancey County | 17 | 2 | 1.2% |
| Mitchell County | 23 | 1 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology