HomeTown Bank
HomeTown Bank received 372 applications in 2025 and made 318 mortgages, in 56 counties across 4 states. The median rate its borrowers got was 6.750% on a median loan of $175,000. Of 334 decisions, 14 were denials — 4.2%, most often for credit history.
| Legal Entity Identifier | 254900KSUTZO899YU680 |
|---|---|
| Applications received | 372 |
| Mortgages made | 318 |
| Denied | 14 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 38 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.234 points |
| FDIC-insured bank | Yes: HomeTown Bank, National Association, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 166 | 6.562% | $215,000 | 3.5% |
| Refinancing | 31 | 6.700% | $305,000 | 0.0% |
| Cash-out refinancing | 64 | 6.845% | $120,000 | 7.2% |
| Other purposes | 57 | 7.105% | $45,000 | 5.0% |
Where HomeTown Bank 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 |
|---|---|---|---|
| Carver County, MN | 49 | 6.830% | 0.0% |
| Renville County, MN | 34 | 7.081% | 8.1% |
| Redwood County, MN | 32 | 6.771% | 2.9% |
| Hennepin County, MN | 29 | 6.625% | 3.3% |
| Nicollet County, MN | 24 | 6.755% | 0.0% |
| Scott County, MN | 22 | 7.081% | 8.3% |
| Le Sueur County, MN | 17 | 6.801% | 5.6% |
| Martin County, MN | 10 | 6.438% | 16.7% |
| Blue Earth County, MN | 7 | Under 10 loans | 12.5% |
| Brown County, MN | 5 | Under 10 loans | 0.0% |
| Kandiyohi County, MN | 5 | Under 10 loans | 0.0% |
| McLeod County, MN | 5 | Under 10 loans | 0.0% |
| Sibley County, MN | 5 | Under 10 loans | 0.0% |
| Dakota County, MN | 4 | Under 10 loans | 0.0% |
| Lyon County, MN | 4 | Under 10 loans | 0.0% |
| Waseca County, MN | 4 | Under 10 loans | 0.0% |
| Faribault County, MN | 3 | Under 10 loans | 0.0% |
| Meeker County, MN | 3 | Under 10 loans | 0.0% |
| Olmsted County, MN | 3 | Under 10 loans | 0.0% |
| Rice County, MN | 3 | Under 10 loans | 0.0% |
| Stearns County, MN | 3 | Under 10 loans | 0.0% |
| Washington County, MN | 3 | Under 10 loans | 0.0% |
| Brookings County, SD | 3 | Under 10 loans | 0.0% |
| Anoka County, MN | 2 | Under 10 loans | 0.0% |
| Cass County, MN | 2 | Under 10 loans | 0.0% |
| Crow Wing County, MN | 2 | Under 10 loans | 0.0% |
| Dodge County, MN | 2 | Under 10 loans | 0.0% |
| Douglas County, MN | 2 | Under 10 loans | 0.0% |
| Grant County, MN | 2 | Under 10 loans | 0.0% |
| Sherburne County, MN | 2 | Under 10 loans | 0.0% |
| Swift County, MN | 2 | Under 10 loans | 33.3% |
| Todd County, MN | 2 | Under 10 loans | 0.0% |
| Watonwan County, MN | 2 | Under 10 loans | 0.0% |
| Mitchell County, IA | 1 | Under 10 loans | 0.0% |
| Tama County, IA | 1 | Under 10 loans | 0.0% |
| Becker County, MN | 1 | Under 10 loans | 0.0% |
| Chippewa County, MN | 1 | Under 10 loans | 50.0% |
| Cook County, MN | 1 | Under 10 loans | 0.0% |
| Cottonwood County, MN | 1 | Under 10 loans | 50.0% |
| Freeborn County, MN | 1 | Under 10 loans | 0.0% |
| Lincoln County, MN | 1 | Under 10 loans | 0.0% |
| Mille Lacs County, MN | 1 | Under 10 loans | 0.0% |
| Murray County, MN | 1 | Under 10 loans | 0.0% |
| Otter Tail County, MN | 1 | Under 10 loans | 0.0% |
| Pope County, MN | 1 | Under 10 loans | 0.0% |
| St. Louis County, MN | 1 | Under 10 loans | 0.0% |
| Steele County, MN | 1 | Under 10 loans | 0.0% |
| Traverse County, MN | 1 | Under 10 loans | 0.0% |
| Wadena County, MN | 1 | Under 10 loans | 0.0% |
| Wright County, MN | 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.