Applications / Mortgage Analytics / Lenders / North Carolina / HomeTrust Bank
Asheville, NC · State member bank · FRS · $4.5 billion assets · 1,925 loans in 2025
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1,925
loans originated, 2025
2,934
applications, 2025
19
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
HomeTrust Bank, a North Carolina bank ranked 7 of 422 lenders in Asheville, grew 23% in 2025 while similar lenders grew 2%, and its loans were larger than at most of them.
Originations rose 23% to 1,925, while similar lenders (state member banks making between half and twice as many loans) grew 2% and the whole market 10%; its growth was higher than about nine in ten of them. Dollar volume rose to $675.2 million from $442.7 million. It remains below the 3,851 loans it made in 2021.
Its typical loan was $305,000, up from $215,000 a year earlier and higher than about nine in ten similar lenders, whose typical loan was $195,000. It lent in 19 states, and has lent in Los Angeles-Long Beach-Anaheim, San Diego-Chula Vista-Carlsbad and San Francisco-Oakland-Fremont since 2019. Other-purpose loans were its largest category, at 38.2%.
It held 2.4% of the Asheville market, down from 3.1%, behind Berkadia Commercial Mortgage and State Employees' Credit Union. The fall could reflect stronger years for competitors or growth that went to markets outside Asheville.
LMI (low- and moderate-income) borrowers received 13.9% of its loans, against 26.5% at similar lenders, among the lowest tenth, and 12.0% went to LMI areas, against 15.7%. Its larger loans and lending outside North Carolina could account for this. Its share in majority-minority areas, 14.2% against 8.7%, was higher than about seven in ten.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. HomeTrust Bank took 2,934 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 38.2% · Purchase 28.8% · Refinance 23.2% · Home improvement 9.8%
Conventional 99.7% · USDA (RHS or FSA) 0.3% · of 1,925 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| North Carolina | 880 | 45.7% |
| California | 506 | 26.3% |
| Tennessee | 123 | 6.4% |
| Washington | 69 | 3.6% |
| Virginia | 66 | 3.4% |
| Florida | 59 | 3.1% |
| South Carolina | 56 | 2.9% |
| Oregon | 40 | 2.1% |
| Arizona | 34 | 1.8% |
| Colorado | 19 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Asheville | 370 |
| Los Angeles-Long Beach-Glendale | 186 |
| Charlotte-Concord-Gastonia | 63 |
| San Diego-Chula Vista-Carlsbad | 59 |
| Greensboro-High Point | 58 |
| Roanoke | 47 |
| Anaheim-Santa Ana-Irvine | 40 |
| Oakland-Fremont-Berkeley | 38 |
| Nashville-Davidson--Murfreesboro--Franklin | 33 |
| Raleigh-Cary | 31 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300COIWXM618UBE82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 212577 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 327677 | 1992–1995 |
| Respondent ID (the HMDA filer code before 2018) | 413558 | 1996–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1713558 | 2011–2014 |
| Respondent ID (the HMDA filer code before 2018) | 2212577 | 2015–2017 |
Established 1 January 1926. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: HomeTrust Bank's data.
HomeTrust Bank's data
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