Home Bank SB at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
46th10.7% deniedProcesswithdrawn + incomplete share, weight 15%
20th19.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 214 | 156 | 13.1% | 14.7% | — | $35M |
| 2024 | 247 | 167 | 9.3% | 11.9% | — | $41M |
| 2025 | 222 | 157 | 8.6% | 10.7% | — | $46M |
What Home Bank SB lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 5 manufactured homes, 35 investment properties.
Why Home Bank SB denies applications
Primary reason reported for each of the 19 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Home Bank SB
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 23 | 9 | 40.0% |
| $50k – $100k | 69 | 47 | 12.7% |
| $100k – $150k | 44 | 33 | 2.9% |
| $150k – $250k | 34 | 29 | 3.3% |
| Over $250k | 25 | 23 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 34 | 23 | 7.7% |
| 35–44 | 33 | 23 | 17.9% |
| 45–54 | 37 | 27 | 6.7% |
| 55–64 | 38 | 30 | 9.1% |
| 65–74 | 27 | 19 | 9.5% |
Where Home Bank SB lends
3 states and 28 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Indiana | 217 | 154 | 8.3% | — | #189 |
Frequently asked questions
Home Bank SB denied 10.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 46th percentile of small mortgage lenders.
The most common reason Home Bank SB gave in 2025 was "debt-to-income ratio", cited on 42.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 68% of its applications were for home purchases, 19% for refinancing (including cash-out), and 13% for home improvement or other purposes. By loan type: 97% conventional, 2% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.