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Hometown Bank, National Association

GALVESTON, TX

Hometown Bank, National Association processed 109 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 63 loans with a 15.6% denial rate. Home Purchase was the primary loan purpose. Based in GALVESTON, TX. The approval rate of 57.8% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Hometown Bank, National Association's 57.8% origination rate tells you how often an application turned into funded money; the 15.6% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (109 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

109
Applications
63
Originated
15.6%
Denial Rate
$410,963
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 109 63 17 $410,963

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Hometown Bank, National Association (LEI: 549300SHQJPJG8CN8153) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
10
Credit history
4
Other
3
Collateral
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 62 36 $611,452
Home Improvement 25 15 $132,600
Refinancing 14 8 $195,714
Other 8 4 $103,750

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 59 64.4% 13.6%
Asian * 4 25.0% 50.0%
Black or African American * 4 25.0% 25.0%
Joint * 3 66.7% 0.0%
American Indian or Alaska Native * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 61 57.4% 14.8%
Hispanic or Latino * 9 66.7% 22.2%
Joint * 1 0.0% 100.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

Usaa Bank

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare Hometown Bank, National Association vs Nationstar Mortgage →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Hometown Bank, National Association process?
Hometown Bank, National Association processed 109 mortgage applications in the 2024 HMDA reporting year. Of these, 63 were originated (approved and funded), 13 were withdrawn by the applicant, and 17 were denied.
What is Hometown Bank, National Association's mortgage approval rate?
Hometown Bank, National Association has an approval (origination) rate of 57.8%, meaning 57.8% of all applications resulted in a funded mortgage. The denial rate is 15.6%.
What is the average loan amount at Hometown Bank, National Association?
The average mortgage loan amount at Hometown Bank, National Association is $410,963.
What are the most common reasons for mortgage denial at Hometown Bank, National Association?
The most common reasons for mortgage denial at Hometown Bank, National Association are: Debt-to-income ratio, Credit history, Other. In total, 17 applications were denied out of 109 total applications.
What types of mortgage loans does Hometown Bank, National Association offer?
Hometown Bank, National Association processes Conventional loans. The most common type is Conventional with 109 applications and an average loan amount of $410,963.
What loan purposes does Hometown Bank, National Association serve?
Hometown Bank, National Association serves the following loan purposes: Home Purchase (62 applications), Home Improvement (25 applications), Refinancing (14 applications), Other (8 applications). Home Purchase is the most common purpose.
Where is Hometown Bank, National Association located?
Hometown Bank, National Association is headquartered in GALVESTON, TX. The lender is identified by LEI 549300SHQJPJG8CN8153 in HMDA data.
How does Hometown Bank, National Association compare in lending across racial demographics?
Hometown Bank, National Association reports demographic lending data under HMDA requirements. White applicants have an approval rate of 64.4% and denial rate of 13.6%; Asian applicants have an approval rate of 25.0% and denial rate of 50.0%; Black or African American applicants have an approval rate of 25.0% and denial rate of 25.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.