Home Town Funding, Inc. mortgage approval rate & lending review
Home Town Funding, Inc. decided 2,847 mortgage applications and funded 2,631 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Home Town Funding, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Home Town Funding, Inc. at a glance
Approval is 14.0 points above the 83.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 1,483 / 1,526 | 96% | $225K | 1,426 |
| Cash-out refinance | 97% | 276 / 284 | 95% | $235K | 263 |
| Refinance | 94% | 101 / 108 | 86% | $315K | 87 |
| Investment property purchase | 97% | 483 / 496 | 94% | $135K | 456 |
| Investment cash-out refinance | 97% | 370 / 380 | 94% | $165K | 348 |
| Investment refinance | 100% | 52 / 52 | 96% | $175K | 50 |
Home Town Funding, Inc. lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Home Town Funding, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Monroe County, NY | Mortgage lenders | 97% | 1,095 | 1,027 |
| Monroe County, NY | Investment property purchase | 97% | 359 | 330 |
| Monroe County, NY | Investment cash-out refinance | 97% | 326 | 299 |
| Ontario County, NY | Mortgage lenders | 99% | 257 | 244 |
| Monroe County, NY | Cash-out refinance | 98% | 176 | 164 |
| Ontario County, NY | Cash-out refinance | 96% | 94 | 86 |
| Ontario County, NY | Investment property purchase | 98% | 58 | 55 |
| Monroe County, NY | Refinance | 93% | 58 | 48 |
| Monroe County, NY | Investment refinance | 100% | 40 | 40 |
| Erie County, NY | Mortgage lenders | 97% | 32 | 31 |
| Onondaga County, NY | Mortgage lenders | 100% | 31 | 31 |
| Ontario County, NY | Refinance | 91% | 34 | 28 |
The county markets where Home Town Funding, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Home Town Funding, Inc.
What is Home Town Funding, Inc.'s mortgage approval rate?
Home Town Funding, Inc. approved 97.2% of the 2,847 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.0 points above the 83.1% national rate for the same mix of loan types.
How often do borrowers take the loan Home Town Funding, Inc. offers?
Borrowers accepted 95% of the loans Home Town Funding, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Home Town Funding, Inc. make?
The typical home purchase mortgage loan Home Town Funding, Inc. made was $225K; across all loan types its typical loan ran from $135K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Home Town Funding, Inc. lend?
Home Town Funding, Inc. decided applications in 19 of the states Fat Boy Data covers, most of them in New York, Florida and South Carolina.
Can I apply to Home Town Funding, Inc. directly?
Yes. Home Town Funding, Inc. reports as a direct lender that takes applications from borrowers.
Does this page show Home Town Funding, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Home Town Funding, Inc. treats applications, then get a rate quote from the lender.