What loan types does Home Federal Bank offer?

Home Federal Bank offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does Home Federal Bank offer mortgages?

Home Federal Bank offers mortgages in 4 states: FL, LA, MS, TX.

How competitive are Home Federal Bank's mortgage rates?

Home Federal Bank has an overall pricing score of 69/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Home Federal Bank?

Home Federal Bank is a Bank headquartered in Shreveport, LA.

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Home Federal Bank

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Home Federal Bank has 110 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Exceptional

5/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Home Federal Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+17.2 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

94 loans · 0.08% above market

Sound

Top 60% of lenders

3/5

FHA

10 loans · 0.75% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

64 loans · 0.23% above market

Sound

Top 60% of lenders

3/5

Refinance

46 loans · 0.07% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Strong	Exceptional	94	85.5%	+0.077%Above	$1,005Fees
FHA Loans	Acceptable	Acceptable	—	—	10	9.1%	+0.750%Above	$1,150Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Exceptional

Volume94

Mix85.5%

Spread

+0.077%Above

Fees

$1,005Fees

FHA Loans

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume10

Mix9.1%

Spread

+0.750%Above

Fees

$1,150Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Strong	64	58.2%	+0.235%Above	$919Fees
Refinance	Strong	Strong	Strong	Exceptional	46	41.8%	+0.070%Above	$1,134Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume64

Mix58.2%

Spread

+0.235%Above

Fees

$919Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Exceptional

Volume46

Mix41.8%

Spread

+0.070%Above

Fees

$1,134Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

110

Applications

114

Volume

$30 million

Pricing & Closing

Avg Rate Spread

+0.172%

vs. market APOR

Avg Net Fees

$1,001

Origination − Credits

Pullthrough Rate

96.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$274,364

Avg Borrower Income

$157,036

Avg Property Value

$400,182

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

< 100100+None

South4

FLLAMSTX

Top Metro Areas by Place Specialization Score

Shreveport, LAMetro

Volume 84Mix 76.36% of portfolio

90/100

Exceptional

Top States by Place Specialization Score

LouisianaState

Volume 103Mix 93.64% of portfolio

71/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.