Hometown Bank of Pennsylvania 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%
27th16.4% deniedProcesswithdrawn + incomplete share, weight 15%
92nd1.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 252 | 194 | 16.3% | 16.3% | — | $18M |
| 2024 | 229 | 182 | 14.0% | 14.1% | — | $19M |
| 2025 | 222 | 160 | 16.2% | 16.4% | — | $19M |
What Hometown Bank of Pennsylvania 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, 33 manufactured homes, 23 investment properties.
Who gets approved at Hometown Bank of Pennsylvania
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 34 | 25 | 6.3% |
| $50k – $100k | 62 | 56 | 0.0% |
| $100k – $150k | 34 | 28 | 2.9% |
| $150k – $250k | 25 | 20 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 32 | 21 | 21.9% |
| 35–44 | 39 | 29 | 15.4% |
| 45–54 | 45 | 31 | 18.2% |
| 55–64 | 51 | 34 | 17.7% |
| 65–74 | 20 | 15 | 16.7% |
Where Hometown Bank of Pennsylvania lends
3 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 |
|---|---|---|---|---|---|
| Pennsylvania | 216 | 159 | 15.3% | — | #262 |
Frequently asked questions
Hometown Bank of Pennsylvania denied 16.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 27th percentile of small mortgage lenders.
In 2025, 34% of its applications were for home purchases, 19% for refinancing (including cash-out), and 47% 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.