# HOME TOWN FUNDING, INC.

> **Canonical URL:** https://saferate.com/lenders/home-town-funding


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


HOME TOWN FUNDING, INC. is a independent mortgage company, headquartered in CANANDAIGUA, NY, serving borrowers across 11 states, with 765 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 12% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 21% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300BRR67NLTQSBT29
- **Headquarters:** CANANDAIGUA, NY
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** AL, FL, IN, NC, NJ, NY, PA, SC, TN, UT, WA
- **Markets (MSAs):** 4
- **Primary Channel:** wholesale
- **Direct Origination:** 0%
- **Brokered/Wholesale:** 100%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 88/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.065%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,007
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 765
- **Dollar Volume:** $222 million
- **Applications Received:** 847
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $290,242
- **Average Borrower Income:** $157,080
- **Average Property Value:** $388,163

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (84%)
- 💎 **Refinance Diamond Champion** (84%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 75/100 | 713 | -0.090% | $1,049 | Strong 😀 |
| FHA | 57/100 | 20 | +0.352% | $637 | Sound ☺️ |
| Jumbo | 73/100 | 24 | -0.363% | $-3,038 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 579 loans, Score: 73/100 (Strong)
- Refinance: 134 loans, Score: 73/100 (Strong)

**FHA:**
- Purchase: 20 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 72/100 | 620 | $173M | -0.064% | Strong 😀 |
| Refinance | 72/100 | 145 | $49M | -0.070% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 736 | 0.65% | 86/100 |
| FL | 10 | 0.00% | 33/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Rochester, NY | NY | 622 | 89/100 |
| Non |  | 77 | 48/100 |
| Buffalo | NY | 16 | 46/100 |
| Syracuse, NY | NY | 13 | 44/100 |

## Where This Lender Ranks

HOME TOWN FUNDING, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in New York for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Rochester, NY for Jumbo Loans
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Rochester, NY for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥈 **#2** in Rochester, NY
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders)
- 🥈 **#2** in Rochester, NY Mortgage Companies
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Rochester, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Rochester, NY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Rochester, NY for FHA Loans
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Rochester, NY for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Rochester, NY for VA Loans
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Rochester, NY for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#4** in New York Mortgage Companies
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in New York for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in New York for Jumbo Loans
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Syracuse, NY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in New York for Conventional Loans
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in New York for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in New York
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders)
- 🏆 **#6** in New York for FHA Loans
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/fha-loans)
- 🏆 **#11** in Syracuse, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does HOME TOWN FUNDING, INC. offer?

HOME TOWN FUNDING, INC. offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HOME TOWN FUNDING, INC. offer mortgages?

HOME TOWN FUNDING, INC. offers mortgages in 11 states: AL, FL, IN, NC, NJ, NY, PA, SC, TN, UT, WA.

### How competitive are HOME TOWN FUNDING, INC.'s mortgage rates?

HOME TOWN FUNDING, INC. has a pricing score of 88/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.065% below market average.

### What type of lender is HOME TOWN FUNDING, INC.?

HOME TOWN FUNDING, INC. is a non-depository lender that specializes in mortgage origination, headquartered in CANANDAIGUA, NY.

### What is HOME TOWN FUNDING, INC.'s loan approval success rate?

HOME TOWN FUNDING, INC. has a pull-through score of 79/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/home-town-funding

### How to Cite

> "HOME TOWN FUNDING, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/home-town-funding

---

**[View Interactive Profile →](https://saferate.com/lenders/home-town-funding)**