The Hometown Savings Bank mortgage approval rate & lending review
The Hometown Savings Bank decided 288 mortgage applications and funded 238 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Hometown Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Hometown Savings Bank at a glance
Approval is 11.9 points above the 81.9% 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 | 95% | 104 / 109 | 86% | $145K | 89 |
| Cash-out refinance | 79% | 22 / 28 | 73% | $105K | 16 |
| Refinance | 84% | 27 / 32 | 89% | $115K | 24 |
| Investment property purchase | 100% | 84 / 84 | 92% | $85K | 77 |
The Hometown Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Indiana | 94% | $105K | 282 | 232 |
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 The Hometown Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Vigo County, IN | Mortgage lenders | 95% | 106 | 86 |
| Vigo County, IN | Investment property purchase | 100% | 76 | 69 |
| Vigo County, IN | Refinance | 84% | 32 | 24 |
| Vigo County, IN | Cash-out refinance | 79% | 28 | 16 |
The county markets where The Hometown Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about The Hometown Savings Bank
What is The Hometown Savings Bank's mortgage approval rate?
The Hometown Savings Bank approved 93.8% of the 288 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.9 points above the 81.9% national rate for the same mix of loan types.
How often do borrowers take the loan The Hometown Savings Bank offers?
Borrowers accepted 88% of the loans The Hometown Savings Bank 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 The Hometown Savings Bank make?
The typical home purchase mortgage loan The Hometown Savings Bank made was $145K; across all loan types its typical loan ran from $85K to $145K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Hometown Savings Bank lend?
The Hometown Savings Bank decided applications in 3 of the states Fat Boy Data covers, most of them in Indiana, Florida and Illinois.
Can I apply to The Hometown Savings Bank directly?
Yes. The Hometown Savings Bank is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Hometown Savings Bank'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 The Hometown Savings Bank treats applications, then get a rate quote from the lender.