HomeBank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A 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%
94th0.9% deniedProcesswithdrawn + incomplete share, weight 15%
67th8.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 241 | 198 | 4.2% | 4.8% | 7.45% | $30M |
| 2024 | 242 | 212 | 2.9% | 3.2% | 7.94% | $33M |
| 2025 | 249 | 227 | 0.8% | 0.9% | — | $39M |
What HomeBank 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, 10 manufactured homes, 70 investment properties.
Why HomeBank denies applications
Primary reason reported for each of the 2 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at HomeBank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 33 | 29 | 0.0% |
| $50k – $100k | 78 | 73 | 0.0% |
| $100k – $150k | 58 | 51 | 0.0% |
| $150k – $250k | 35 | 32 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 31 | 25 | 7.4% |
| 25–34 | 73 | 67 | 0.0% |
| 35–44 | 32 | 28 | 0.0% |
| 45–54 | 44 | 38 | 0.0% |
| 55–64 | 28 | 28 | 0.0% |
Where HomeBank lends
3 states and 30 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
HomeBank denied 0.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 94th percentile of small mortgage lenders.
The most common reason HomeBank gave in 2025 was "credit history", cited on 100.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 73% of its applications were for home purchases, 16% for refinancing (including cash-out), and 12% for home improvement or other purposes. By loan type: 100% conventional, 0% 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.