HOME TOWN FUNDING, INC.
HOME TOWN FUNDING, INC. received 1,239 applications in 2025 and made 1,096 mortgages, in 62 counties across 15 states. The median rate its borrowers got was 6.750% on a median loan of $230,000. Of 1,173 decisions, 28 were denials — 2.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300BRR67NLTQSBT29 |
|---|---|
| Applications received | 1,239 |
| Mortgages made | 1,096 |
| Denied | 28 |
| Approved, not taken up | 49 |
| Withdrawn or incomplete | 66 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.341 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 780 | 6.750% | $225,000 | 2.2% |
| Refinancing | 59 | 6.500% | $275,000 | 5.6% |
| Cash-out refinancing | 257 | 7.125% | $225,000 | 2.2% |
Where HOME TOWN FUNDING, INC. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Monroe County, NY | 637 | 6.875% | 2.1% |
| Ontario County, NY | 149 | 6.625% | 1.9% |
| Wayne County, NY | 57 | 6.750% | 5.0% |
| Yates County, NY | 44 | 6.750% | 2.1% |
| Livingston County, NY | 36 | 6.750% | 0.0% |
| Steuben County, NY | 23 | 7.075% | 7.4% |
| Onondaga County, NY | 18 | 6.813% | 0.0% |
| Orleans County, NY | 18 | 6.750% | 4.8% |
| Erie County, NY | 15 | 6.750% | 0.0% |
| Genesee County, NY | 11 | 6.625% | 8.3% |
| Seneca County, NY | 11 | 7.125% | 0.0% |
| Niagara County, NY | 7 | Under 10 loans | 0.0% |
| Schuyler County, NY | 6 | Under 10 loans | 0.0% |
| Cattaraugus County, NY | 4 | Under 10 loans | 0.0% |
| Oneida County, NY | 4 | Under 10 loans | 0.0% |
| Manatee County, FL | 3 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 3 | Under 10 loans | 0.0% |
| Cayuga County, NY | 3 | Under 10 loans | 0.0% |
| Herkimer County, NY | 3 | Under 10 loans | 25.0% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Pinellas County, FL | 2 | Under 10 loans | 0.0% |
| St. Johns County, FL | 2 | Under 10 loans | 0.0% |
| Allegany County, NY | 2 | Under 10 loans | 0.0% |
| Jefferson County, NY | 2 | Under 10 loans | 0.0% |
| Tompkins County, NY | 2 | Under 10 loans | 0.0% |
| Wyoming County, NY | 2 | Under 10 loans | 25.0% |
| Morgan County, AL | 1 | Under 10 loans | 0.0% |
| Naugatuck Valley Planning Region, CT | 1 | Under 10 loans | 0.0% |
| District of Columbia, DC | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Duval County, FL | 1 | Under 10 loans | 0.0% |
| Leon County, FL | 1 | Under 10 loans | 0.0% |
| Martin County, FL | 1 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 0.0% |
| St. Lucie County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Scott County, KY | 1 | Under 10 loans | 0.0% |
| Morris County, NJ | 1 | Under 10 loans | 0.0% |
| Broome County, NY | 1 | Under 10 loans | 0.0% |
| Chemung County, NY | 1 | Under 10 loans | 0.0% |
| Chenango County, NY | 1 | Under 10 loans | 0.0% |
| Columbia County, NY | 1 | Under 10 loans | 0.0% |
| Franklin County, NY | 1 | Under 10 loans | 0.0% |
| Hamilton County, NY | 1 | Under 10 loans | 0.0% |
| Lewis County, NY | 1 | Under 10 loans | 0.0% |
| Westchester County, NY | 1 | Under 10 loans | 0.0% |
| Brunswick County, NC | 1 | Under 10 loans | 0.0% |
| Jackson County, NC | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.