HomeTown Bank, National Association mortgage approval rate & lending review
HomeTown Bank, National Association decided 253 mortgage applications and funded 174 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions HomeTown Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
HomeTown Bank, National Association at a glance
Approval is 3.7 points above the 79.3% 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 | 90% | 70 / 78 | 74% | $425K | 52 |
| Home improvement loans | 76% | 35 / 46 | 80% | $105K | 28 |
| Investment property purchase | 85% | 67 / 79 | 84% | $365K | 56 |
HomeTown Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 83% | $365K | 253 | 174 |
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 HomeTown Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Galveston County, TX | Investment property purchase | 88% | 48 | 33 |
| Galveston County, TX | Home improvement loans | 72% | 29 | 17 |
The county markets where HomeTown Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about HomeTown Bank, National Association
What is HomeTown Bank, National Association's mortgage approval rate?
HomeTown Bank, National Association approved 83.0% of the 253 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.7 points above the 79.3% national rate for the same mix of loan types.
How often do borrowers take the loan HomeTown Bank, National Association offers?
Borrowers accepted 83% of the loans HomeTown Bank, National Association approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does HomeTown Bank, National Association make?
The typical investment property mortgage loan HomeTown Bank, National Association made was $365K; across all loan types its typical loan ran from $105K to $425K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does HomeTown Bank, National Association lend?
HomeTown Bank, National Association decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to HomeTown Bank, National Association directly?
Yes. HomeTown Bank, National Association is a bank or credit union with 22 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show HomeTown Bank, National Association'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 HomeTown Bank, National Association treats applications, then get a rate quote from the lender.