HomeTown Bank in Texas vs the state
19.0%Denial rate-0.46 pts vs state
22.0%Decision denial rate-2.90 pts vs state
57.8%Origination rate+2.88 pts vs state
—Median rate
—Rate spread (pts)
$165kMedian applicant income
67Loans originated
22Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 107 | 70 | 14.0% | — | #540 |
| 2024 | 109 | 63 | 15.6% | — | #538 |
| 2025 | 116 | 67 | 19.0% | — | #526 |
What HomeTown Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most HomeTown Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Galveston County | 69 | 44 | 12 | 17.4% |
| Brazoria County | 22 | 11 | 3 | 13.6% |
| Harris County | 20 | 10 | 5 | 25.0% |
| Brazos County | 1 | 1 | 0 | 0.0% |
| Fort Bend County | 1 | 0 | 1 | 100.0% |
| Comal County | 1 | 0 | 1 | 100.0% |
| Karnes County | 1 | 0 | 0 | 0.0% |
| Chambers County | 1 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 116 applications in 2025, of which 67 were originated and 22 denied.
19.0% of all applications, or 22.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are HomeTown Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology