Lender in New York · HMDA 2025
Home Town Funding, Inc. mortgages in New York
Home Town Funding, Inc.'s 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Home Town Funding, Inc. originated 745 owner-occupied single-family loans in New York from 792 completed applications.
Its median conventional purchase loan costs were $3,700 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.375% (New York: 6.50%).
Loans in NY
745
of 792 applications
Denial rate
2.5%
Purchase · NY 9.5%
Rate spread
+0.16 pts
Conv. · NY +0.07 pts
Loan amount
$235,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 605 | 571 | 2.5% | 6.375% | +0.16 pts | $3,700 | $235,000 |
| Refinance | 52 | 44 | 7.7% | 6.375% | −0.02 pts | $3,080 | $315,000 |
| Cash-out refinance | 135 | 130 | 1.5% | 6.500% | +0.98 pts | $5,130 | $275,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Home Town Funding, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Ontario County | 2 | 124 | 11.8% |
| Yates County | 2 | 25 | 14.4% |
| Monroe County | 5 | 443 | 6.0% |
| Livingston County | 6 | 26 | 5.5% |
| Wayne County | 7 | 41 | 4.6% |
| Orleans County | 7 | 15 | 4.4% |
| Schuyler County | 12 | 3 | 2.5% |
| Seneca County | 15 | 4 | 1.8% |
| Steuben County | 16 | 9 | 1.2% |
| Genesee County | 17 | 6 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology