Homeland Community Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
41st11.9% deniedProcesswithdrawn + incomplete share, weight 15%
92nd1.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 158 | 137 | 10.8% | 10.9% | — | $20M |
| 2024 | 136 | 117 | 8.1% | 8.5% | — | $15M |
| 2025 | 145 | 124 | 11.7% | 11.9% | — | $19M |
What Homeland Community Bank 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, 27 manufactured homes, 65 investment properties.
Who gets approved at Homeland Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 53 | 42 | 18.9% |
| $50k – $100k | 44 | 39 | 9.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 25 | 20 | 20.0% |
| 45–54 | 40 | 36 | 7.7% |
| 55–64 | 30 | 24 | 16.7% |
| 65–74 | 21 | 21 | 0.0% |
Where Homeland Community Bank lends
1 states and 12 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Tennessee | 145 | 124 | 11.7% | — | #266 |
Frequently asked questions
Homeland Community Bank denied 11.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 41st percentile of small mortgage lenders.
In 2025, 24% of its applications were for home purchases, 64% for refinancing (including cash-out), and 12% for home improvement or other purposes. By loan type: 99% 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.