HomeTown Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D 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%
16th22.0% deniedProcesswithdrawn + incomplete share, weight 15%
40th13.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 107 | 70 | 14.0% | 15.0% | — | $35M |
| 2024 | 109 | 63 | 15.6% | 17.7% | — | $23M |
| 2025 | 116 | 67 | 19.0% | 22.0% | — | $22M |
What HomeTown 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, 0 manufactured homes, 49 investment properties.
Why HomeTown Bank denies applications
Primary reason reported for each of the 22 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at HomeTown Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $150k – $250k | 26 | 18 | 4.6% |
| Over $250k | 24 | 12 | 15.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 20 | 10 | 23.5% |
| 45–54 | 20 | 10 | 14.3% |
| 55–64 | 21 | 10 | 27.8% |
Where HomeTown Bank lends
1 states and 8 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 116 | 67 | 19.0% | — | #526 |
Frequently asked questions
HomeTown Bank denied 22.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 16th percentile of small mortgage lenders.
The most common reason HomeTown Bank gave in 2025 was "debt-to-income ratio", cited on 68.2% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 59% of its applications were for home purchases, 16% for refinancing (including cash-out), and 25% 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.