Hometown Lenders Mortgage Rates, Fees & Info
HUNTSVILLE, ALLEI: 549300UFNWYY11NLMW19
Tax ID: 63-1246790
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Mortgage Data
Review & Overview
Hometown Lenders is a small mortgage company specializing in Home Purchase loans. Hometown Lenders has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Seattle, Chicago, Yuba City, Birmingham, and Houston among others. We have data for 301 markets. (Some data included below & more in-depth data is available with an active subscription.)Hometown Lenders has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Hometown Lenders is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 11/22/24 |
| 30 Year Conventional Purchase | 6.76% | 11/22/24 |
| 30 Year Conventional Refi | 6.67% | 11/22/24 |
| 30 Year Cash-out Refi | 6.90% | 11/22/24 |
| 30 Year FHA Purchase | 7.75% | 11/22/24 |
| 30 Year FHA Refi | 7.63% | 11/22/24 |
| 30 Year VA Purchase | 6.57% | 11/22/24 |
| 30 Year VA Refi | 6.40% | 11/22/24 |
| 30 Year USDA Purchase | 6.99% | 11/22/24 |
| 30 Year USDA Refi | 7.32% | 11/22/24 |
| 15 Year Conventional Purchase | 6.17% | 11/22/24 |
| 15 Year Conventional Refi | 6.31% | 11/22/24 |
| 15 Year Cash-out Refi | 6.31% | 11/22/24 |
| 15 Year FHA Purchase | 5.68% | 11/22/24 |
| 15 Year FHA Refi | 8.01% | 11/22/24 |
| 15 Year VA Purchase | 6.74% | 11/22/24 |
| 15 Year VA Refi | 5.68% | 11/22/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Hometown Lenders Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Hometown Lenders. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
6,721Origination Dollar Volume (All Markets)
$1,394,745,000Awards
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Hometown Lenders - 2019
Hometown Lenders is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 291 | $107,795,000 | $370,430 | $9,278 | 4.12% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 451 | $94,695,000 | $209,967 | $6,716 | 4.35% |
| YUBA CITY, CA (FHA|USDA|VA) | 339 | $78,505,000 | $231,578 | $5,540 | 4.19% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 420 | $74,200,000 | $176,667 | $6,771 | 4.61% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 312 | $68,180,000 | $218,526 | $6,516 | 4.58% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 297 | $52,845,000 | $177,929 | $6,448 | 4.55% |
| Outside of Metro Areas | 301 | $51,445,000 | $170,914 | $6,125 | 4.68% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 252 | $50,870,000 | $201,865 | $3,926 | 4.21% |
| RENO, NV (FHA|USDA|VA) | 168 | $49,800,000 | $296,429 | $5,535 | 3.99% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 208 | $44,490,000 | $213,894 | $3,933 | 4.24% |
| COLUMBUS, OH (FHA|USDA|VA) | 217 | $43,145,000 | $198,825 | $5,120 | 4.62% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 172 | $42,610,000 | $247,733 | $5,414 | 4.25% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 177 | $40,075,000 | $226,412 | $5,155 | 4.28% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 195 | $39,175,000 | $200,897 | $7,709 | 4.49% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 109 | $29,435,000 | $270,046 | $8,179 | 4.40% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 106 | $25,190,000 | $237,642 | $7,215 | 4.50% |
| DOTHAN, AL (FHA|USDA|VA) | 145 | $21,825,000 | $150,517 | $5,166 | 4.35% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 113 | $19,205,000 | $169,956 | $6,460 | 4.61% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 102 | $18,520,000 | $181,569 | $7,120 | 4.75% |
| MOBILE, AL (FHA|USDA|VA) | 91 | $13,865,000 | $152,363 | $6,253 | 4.38% |
| LOUISVILLE, KY (FHA|USDA|VA) | 64 | $13,440,000 | $210,000 | $5,428 | 4.05% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 33 | $13,375,000 | $405,303 | $10,008 | 4.22% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 51 | $12,035,000 | $235,980 | $6,629 | 4.59% |
| CHICO, CA (FHA|USDA|VA) | 57 | $11,565,000 | $202,895 | $5,292 | 4.20% |
| Chillicothe, OH (FHA|USDA|VA) | 78 | $11,510,000 | $147,564 | $6,556 | 4.99% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 37 | $11,475,000 | $310,135 | $8,085 | 3.72% |
| Zanesville, OH (FHA|USDA|VA) | 76 | $11,450,000 | $150,658 | $4,930 | 4.50% |
| TOLEDO, OH (FHA|USDA|VA) | 65 | $10,405,000 | $160,077 | $8,645 | 4.96% |
| LAFAYETTE, LA (FHA|USDA|VA) | 46 | $10,220,000 | $222,174 | $6,283 | 4.44% |
| CARSON CITY, NV (FHA|USDA|VA) | 32 | $9,870,000 | $308,438 | $5,590 | 4.10% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 37 | $9,235,000 | $249,595 | $6,235 | 4.42% |
| DECATUR, AL (FHA|USDA|VA) | 58 | $8,400,000 | $144,828 | $6,528 | 4.46% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 29 | $8,175,000 | $281,897 | $5,632 | 4.22% |
| ST. GEORGE, UT (FHA|USDA|VA) | 30 | $6,600,000 | $220,000 | $6,675 | 4.73% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 38 | $6,390,000 | $168,158 | $5,710 | 4.57% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 36 | $6,370,000 | $176,944 | $5,930 | 4.38% |
| Cullman, AL (FHA|USDA|VA) | 40 | $5,870,000 | $146,750 | $5,449 | 4.38% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 32 | $5,850,000 | $182,813 | $6,101 | 4.66% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 29 | $5,795,000 | $199,828 | $7,017 | 4.23% |
| PITTSBURGH, PA (FHA|USDA|VA) | 35 | $5,455,000 | $155,857 | $5,714 | 4.57% |
| OCALA, FL (FHA|USDA|VA) | 41 | $5,395,000 | $131,585 | $5,697 | 4.88% |
| Ozark, AL (FHA|USDA|VA) | 41 | $5,305,000 | $129,390 | $4,677 | 4.34% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 34 | $5,140,000 | $151,176 | $6,302 | 4.88% |
| KANKAKEE, IL (FHA|USDA|VA) | 29 | $5,115,000 | $176,379 | $4,695 | 4.29% |
| KNOXVILLE, TN (FHA|USDA|VA) | 28 | $5,070,000 | $181,071 | $6,059 | 4.10% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 17 | $5,025,000 | $295,588 | $7,622 | 4.10% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 21 | $4,755,000 | $226,429 | $6,185 | 4.55% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 18 | $4,660,000 | $258,889 | $4,438 | 4.53% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 28 | $4,650,000 | $166,071 | $4,137 | 3.86% |
| LANCASTER, PA (FHA|USDA|VA) | 21 | $4,565,000 | $217,381 | $6,938 | 4.77% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 16 | $4,390,000 | $274,375 | $7,988 | 4.01% |
| Jasper, AL (FHA|USDA|VA) | 30 | $4,280,000 | $142,667 | $6,416 | 4.58% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 19 | $4,045,000 | $212,895 | $6,422 | 5.02% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 21 | $3,935,000 | $187,381 | $6,140 | 4.39% |
| Richmond-Berea, KY (FHA|USDA|VA) | 20 | $3,820,000 | $191,000 | $4,804 | 4.25% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 23 | $3,705,000 | $161,087 | $6,841 | 4.85% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 24 | $3,650,000 | $152,083 | $4,473 | 4.18% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 21 | $3,585,000 | $170,714 | $8,074 | 4.73% |
| VICTORIA, TX (FHA|USDA|VA) | 13 | $3,415,000 | $262,692 | $7,477 | 5.02% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 11 | $3,405,000 | $309,545 | $5,388 | 4.03% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 17 | $3,335,000 | $196,176 | $4,604 | 4.59% |
| JACKSON, MS (FHA|USDA|VA) | 18 | $3,180,000 | $176,667 | $7,524 | 4.80% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 18 | $2,980,000 | $165,556 | $6,350 | 4.15% |
| Jackson, OH (FHA|USDA|VA) | 22 | $2,970,000 | $135,000 | $6,594 | 5.11% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 19 | $2,905,000 | $152,895 | $6,458 | 4.65% |
| MONTGOMERY, AL (FHA|USDA|VA) | 17 | $2,765,000 | $162,647 | $6,157 | 5.14% |
| Fernley, NV (FHA|USDA|VA) | 13 | $2,625,000 | $201,923 | $5,484 | 3.66% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 13 | $2,615,000 | $201,154 | $6,662 | 4.76% |
| Albertville, AL (FHA|USDA|VA) | 17 | $2,405,000 | $141,471 | $5,871 | 4.45% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 7 | $2,405,000 | $343,571 | $6,074 | 4.70% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 23 | $2,365,000 | $102,826 | $3,823 | 4.39% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 17 | $2,365,000 | $139,118 | $5,211 | 4.98% |
| CASPER, WY (FHA|USDA|VA) | 19 | $2,335,000 | $122,895 | $4,148 | 3.06% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 9 | $2,265,000 | $251,667 | $5,372 | 4.11% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 8 | $2,210,000 | $276,250 | $7,244 | 4.09% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 12 | $2,020,000 | $168,333 | $5,418 | 4.34% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 14 | $1,990,000 | $142,143 | $6,582 | 4.33% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 7 | $1,975,000 | $282,143 | $6,218 | 3.36% |
| Williston, ND (FHA|USDA|VA) | 9 | $1,925,000 | $213,889 | $7,577 | 4.81% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $1,895,000 | $631,667 | $6,123 | 4.28% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 9 | $1,815,000 | $201,667 | $4,968 | 4.27% |
| Logansport, IN (FHA|USDA|VA) | 17 | $1,715,000 | $100,882 | $3,391 | 4.20% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $1,715,000 | $571,667 | $7,371 | 4.21% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 5 | $1,685,000 | $337,000 | $10,730 | 4.20% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 7 | $1,635,000 | $233,571 | $7,820 | 4.79% |
| Shelton, WA (FHA|USDA|VA) | 9 | $1,585,000 | $176,111 | $5,988 | 5.65% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 11 | $1,495,000 | $135,909 | $5,557 | 4.75% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $1,495,000 | $299,000 | $4,513 | 4.70% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 8 | $1,480,000 | $185,000 | $6,150 | 4.26% |
| Oak Harbor, WA (FHA|USDA|VA) | 5 | $1,475,000 | $295,000 | $6,700 | 3.93% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $1,445,000 | $1,445,000 | $45,966 | 6.88% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3 | $1,435,000 | $478,333 | $8,632 | 3.71% |
| Enterprise, AL (FHA|USDA|VA) | 8 | $1,420,000 | $177,500 | $4,904 | 4.59% |
| Coshocton, OH (FHA|USDA|VA) | 11 | $1,415,000 | $128,636 | $5,483 | 4.06% |
| Portsmouth, OH (FHA|USDA|VA) | 11 | $1,365,000 | $124,091 | $6,225 | 5.03% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 8 | $1,240,000 | $155,000 | $5,879 | 5.01% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 8 | $1,230,000 | $153,750 | $7,229 | 4.74% |
| MONROE, MI (FHA|USDA|VA) | 6 | $1,210,000 | $201,667 | $6,966 | 4.60% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $7,239 | 4.25% |
| Cambridge, OH (FHA|USDA|VA) | 8 | $1,170,000 | $146,250 | $6,476 | 4.34% |
| Oxford, MS (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $7,543 | 4.20% |
| Frankfort, KY (FHA|USDA|VA) | 7 | $1,075,000 | $153,571 | $4,663 | 4.30% |
| Mount Vernon, OH (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $7,142 | 4.69% |
| Adrian, MI (FHA|USDA|VA) | 6 | $1,070,000 | $178,333 | $9,110 | 5.10% |
| PANAMA CITY, FL (FHA|USDA|VA) | 6 | $1,060,000 | $176,667 | $5,415 | 4.63% |
| Atmore, AL (FHA|USDA|VA) | 10 | $1,050,000 | $105,000 | $5,240 | 4.28% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $7,885 | 3.96% |
| Kinston, NC (FHA|USDA|VA) | 10 | $1,030,000 | $103,000 | $5,487 | 5.14% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 6 | $1,010,000 | $168,333 | $4,868 | 4.48% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $4,098 | 4.68% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 6 | $970,000 | $161,667 | $7,026 | 4.88% |
| Rockport, TX (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $3,952 | 4.38% |
| Centralia, WA (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $8,404 | 4.16% |
| Danville, KY (FHA|USDA|VA) | 6 | $950,000 | $158,333 | $3,801 | 4.46% |
| Eufaula, AL-GA (FHA|USDA|VA) | 6 | $950,000 | $158,333 | $4,464 | 4.31% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 7 | $945,000 | $135,000 | $4,933 | 4.75% |
| Branson, MO (FHA|USDA|VA) | 6 | $910,000 | $151,667 | $4,126 | 3.79% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $16,888 | 3.69% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $15,258 | 4.44% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 6 | $880,000 | $146,667 | $7,784 | 4.58% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $2,564 | 4.63% |
| Shelbyville, TN (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $8,955 | 4.48% |
| CLEVELAND, TN (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $8,829 | 4.81% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $6,047 | 4.41% |
| GREENVILLE, NC (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $7,854 | 5.88% |
| GOLDSBORO, NC (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $7,448 | 5.25% |
| Alexander City, AL (FHA|USDA|VA) | 6 | $810,000 | $135,000 | $5,088 | 5.04% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $5,142 | 4.26% |
| TYLER, TX (FHA|USDA|VA) | 6 | $800,000 | $133,333 | $3,926 | 5.58% |
| Bardstown, KY (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $6,464 | 4.16% |
| GADSDEN, AL (FHA|USDA|VA) | 5 | $775,000 | $155,000 | $6,380 | 4.84% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $5,000 | 4.66% |
| Sevierville, TN (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $3,386 | 4.08% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $8,452 | 3.88% |
| Morehead City, NC (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $5,900 | 5.03% |
| HATTIESBURG, MS (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $5,206 | 4.66% |
| Scottsboro, AL (FHA|USDA|VA) | 6 | $650,000 | $108,333 | $5,164 | 4.79% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $5,948 | 4.05% |
| READING, PA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $7,314 | 5.78% |
| Lake City, FL (FHA|USDA|VA) | 5 | $645,000 | $129,000 | $6,286 | 4.63% |
| JACKSON, MI (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $8,489 | 5.30% |
| PUEBLO, CO (FHA|USDA|VA) | 5 | $635,000 | $127,000 | $3,832 | 5.23% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,221 | 3.94% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $4,875 | 4.28% |
| Washington Court House, OH (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $7,896 | 4.84% |
| Port Lavaca, TX (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $7,205 | 4.88% |
| Peru, IN (FHA|USDA|VA) | 6 | $590,000 | $98,333 | $4,278 | 4.32% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $7,058 | 4.19% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,084 | 4.14% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $11,391 | 5.25% |
| Columbus, MS (FHA|USDA|VA) | 5 | $575,000 | $115,000 | $5,841 | 4.93% |
| Mount Sterling, KY (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $4,050 | 4.13% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $9,790 | 4.44% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $9,610 | 3.63% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $3,412 | 4.13% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,639 | 4.25% |
| LAREDO, TX (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $8,892 | 3.79% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $5,400 | 4.46% |
| Somerset, KY (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,888 | 4.31% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $7,052 | 4.09% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $5,433 | 4.42% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $17,679 | 4.13% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $10,719 | 5.00% |
| COLUMBUS, IN (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $8,090 | 4.00% |
| Cedar City, UT (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $6,956 | 4.19% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $8,026 | 6.04% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $17,662 | 3.56% |
| MORRISTOWN, TN (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $6,903 | 3.91% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $8,020 | 4.62% |
| Show Low, AZ (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $4,964 | 4.83% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $39 | 4.00% |
| Findlay, OH (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $7,603 | 4.50% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $13,071 | 3.99% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,548 | 3.93% |
| Troy, AL (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $5,495 | 4.34% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $16,730 | 3.75% |
| Lewisburg, TN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $9,080 | 4.56% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,909 | 4.13% |
| Maysville, KY (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $5,192 | 4.21% |
| Morgan City, LA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,503 | 4.38% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,314 | 4.81% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $6,703 | 4.50% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,692 | 4.88% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,121 | 4.40% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,866 | 5.19% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,381 | 4.50% |
| Seneca, SC (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,469 | 4.50% |
| Opelousas, LA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,501 | 4.38% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,841 | 4.50% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $6,018 | 4.63% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,817 | 4.81% |
| Harrison, AR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,813 | 3.63% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,660 | 3.95% |
| WACO, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $14,173 | 3.63% |
| Durango, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,397 | 5.63% |
| KOKOMO, IN (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,953 | 4.38% |
| Craig, CO (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $7,089 | 5.44% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,249 | 4.88% |
| Andrews, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,085 | 4.63% |
| AKRON, OH (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $5,648 | 5.79% |
| Picayune, MS (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,494 | 4.56% |
| Fallon, NV (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,475 | 4.12% |
| HAMMOND, LA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $6,635 | 5.38% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,886 | 4.56% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,888 | 3.50% |
| Pullman, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,746 | 5.05% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $13,370 | 3.63% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,301 | 4.94% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,694 | 4.84% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,450 | 4.63% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,421 | 4.00% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,045 | 4.63% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $5,407 | 4.31% |
| Paducah, KY-IL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $7,350 | 5.19% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,118 | 4.63% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 8.50% |
| London, KY (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,289 | 4.06% |
| Wabash, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,378 | 3.75% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,312 | 3.75% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,688 | 3.75% |
| Dickinson, ND (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,439 | 4.00% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,911 | 3.63% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,912 | 3.88% |
| Hillsdale, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,784 | 4.55% |
| Fremont, OH (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $6,577 | 5.13% |
| Sikeston, MO (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $5,131 | 5.03% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $4,974 | 5.69% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,248 | 4.13% |
| Alice, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,576 | 5.63% |
| FLINT, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,172 | 4.50% |
| Forest City, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.25% |
| FARMINGTON, NM (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $5,427 | 4.88% |
| Plainview, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,368 | 4.50% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,222 | 4.50% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,917 | 4.13% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,474 | 5.25% |
| Paris, TN (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $5,259 | 4.69% |
| DUBUQUE, IA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,349 | 4.63% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,304 | 3.50% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,684 | 4.00% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,542 | 4.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,960 | 4.25% |
| Lawrenceburg, TN (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $5,843 | 4.81% |
| New Castle, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,616 | 4.75% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,616 | 5.20% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,513 | 5.00% |
| Vicksburg, MS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $10,385 | 5.25% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,771 | 3.88% |
| Washington, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.50% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,344 | 4.25% |
| Palatka, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,123 | 4.75% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,958 | 5.75% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,049 | 4.05% |
| Bogalusa, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,706 | 5.20% |
| Wooster, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,727 | 6.13% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,314 | 3.88% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,373 | 4.50% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,809 | 4.13% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,020 | 4.13% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,890 | 3.75% |
| RACINE, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,613 | 3.25% |
| Athens, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,216 | 3.88% |
| Newberry, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,251 | 4.13% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,616 | 4.63% |
| ERIE, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,458 | 3.88% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,591 | 3.88% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,900 | 3.75% |
| Susanville, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,409 | 4.13% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,006 | 5.38% |
| Jennings, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,211 | 4.75% |
| Brenham, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,956 | 3.88% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,207 | 5.50% |
| Newport, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,888 | 4.00% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,131 | 4.38% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,614 | 4.05% |
| Marion, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,043 | 4.75% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,535 | 4.50% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,071 | 6.00% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,577 | 4.75% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,922 | 5.00% |
| Montrose, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $8,062 | 5.63% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,452 | 3.75% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,550 | 4.13% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,983 | 4.13% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,743 | 5.25% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,583 | 4.63% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,432 | 5.20% |
| Lebanon, MO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,351 | 3.88% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,958 | 4.50% |
| Madisonville, KY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,814 | 5.13% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,544 | 5.63% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,878 | 5.13% |
| Decatur, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,447 | 4.00% |
| Indiana, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,987 | 5.25% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,330 | 4.75% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,305 | 4.38% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,295 | 4.50% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,275 | 6.00% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,153 | 5.50% |
| Marion, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,915 | 4.25% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,544 | 6.25% |
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Product Mix
For 2019, Hometown Lenders's most frequently originated type of loan was Conventional, with 3,470 originations. Their 2nd most popular type was FHA, with 2,441 originations.
Loan Reason
For 2019, Hometown Lenders's most frequently cited loan purpose was Home Purchase, with 4,754 originations. The 2nd most popular reason was Home Improvement, with 1,013 originations.
Loan Duration/Length
For 2019, Hometown Lenders's most frequently cited loan duration was 30 Year, with 6,249 originations. The 2nd most popular length was 15 Year, with 252 originations.
Origination Fees/Closing Costs
Hometown Lenders's average total fees were $6,304, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,449 originations.
Interest Rates
During 2019, Hometown Lenders's average interest rate for loans was 4.46%, while their most frequently originated rate bucket for loans was 4-5%, with 3,422 originations.
Loan Sizing
2019 saw Hometown Lenders place emphasis on $100k-200k loans with 2,968 originations, totaling $450,270,000 in origination value.
Applicant Income
Hometown Lenders lent most frequently to those with incomes in the $50k or less range, with 1,967 originations. The second most popular income band? $50k-75k, with 1,953 originations.
Applicant Debt to Income Ratio
Hometown Lenders lent most frequently to those with DTI ratios of 30-36%, with 323 originations. The next most common DTI ratio? 20-30%, with 323 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.10%
Hometown Lenders has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination71.49%
Hometown Lenders has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 3 | $15,000 | $5,000 |
| 1325.0 | 1 | $5,000 | $5,000 |
| 2724.0 | 1 | $5,000 | $5,000 |
| NA | 6,716 | $1,394,720,000 | $207,671 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 24 | $3,850,000 | $160,417 |
| Single Family (1-4 Units):Site-Built | 6,697 | $1,390,895,000 | $207,689 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| HomeTown Lenders, LLC | VA mortgage | Closing on a mortgage | 1 | 50.0% |
| HomeTown Lenders, LLC | FHA mortgage | Closing on a mortgage | 1 | 50.0% |