Home Bank Mortgage Rates, Fees & Info
Lafayette, LALEI: 549300II7Y8V2KY9TM28
Tax ID: 72-0214660
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Bank Data
Overview
Home Bank is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi loans. Home Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets include New Orleans, Lafayette, Baton Rouge, Pensacola, and Opelousas among others. Home Bank has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Home Bank is typically an average fee lendor.Originations
727Origination Dollar Volume (All Markets)
$184,965,000Employee count
442Awards
Home Bank - 2021
Home Bank is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Home Bank's average 30 year fixed rate mortgage of loans were
3.27%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of 0.12%.
Relative Fees
Home Bank's average total fees for a 30 year fixed rate
mortgage are $3,696.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 278 | $88,360,000 | $317,842 | $3,891 | 3.78% |
| LAFAYETTE, LA (FHA|USDA|VA) | 280 | $57,530,000 | $205,464 | $3,460 | 3.76% |
| BATON ROUGE, LA (FHA|USDA|VA) | 68 | $17,260,000 | $253,824 | $4,243 | 3.96% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $2,715,000 | $905,000 | $5,390 | 3.92% |
| Opelousas, LA (FHA|USDA|VA) | 12 | $2,650,000 | $220,833 | $3,103 | 3.78% |
| Outside of Metro Areas | 12 | $2,350,000 | $195,833 | $4,893 | 3.71% |
| HAMMOND, LA (FHA|USDA|VA) | 9 | $2,305,000 | $256,111 | $3,892 | 3.83% |
| Natchez, MS-LA (FHA|USDA|VA) | 20 | $1,790,000 | $89,500 | $3,671 | 4.29% |
| Jennings, LA (FHA|USDA|VA) | 15 | $1,295,000 | $86,333 | $3,270 | 4.10% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $1,185,000 | $1,185,000 | $0 | 4.60% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $8,409 | 3.50% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $5,014 | 3.44% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $0 | 3.98% |
| Vicksburg, MS (FHA|USDA|VA) | 8 | $570,000 | $71,250 | $3,252 | 3.39% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,030 | 2.88% |
| Heber, UT (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $0 | 4.05% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 5 | $515,000 | $103,000 | $3,020 | 6.40% |
| McComb, MS (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,277 | 3.00% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 3.13% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 4.15% |
| Picayune, MS (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 4.50% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,498 | 4.38% |
| MADISON, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,961 | 3.50% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $354 | 6.50% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,964 | 2.88% |
Home Bank's top markets include New Orleans, Lafayette, Baton Rouge, Pensacola, and Opelousas among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 718 | $183,680,000 | $255,822 | $3,700 | 3.84% |
| USDA | 9 | $1,285,000 | $142,778 | $4,691 | 2.88% |
For the 2021 period, Home Bank's most frequently originated loan type of loans were Conventional, with 718 originations. Their 2nd most popular type is USDA, with 9 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 315 | $86,565,000 | $274,810 | $4,205 | 3.91% |
| Refi | 270 | $54,280,000 | $201,037 | $3,148 | 3.93% |
| Cash Out Refi | 131 | $41,105,000 | $313,779 | $3,606 | 3.40% |
| Other | 7 | $2,835,000 | $405,000 | $2,964 | 3.27% |
| Home Improvement | 4 | $180,000 | $45,000 | $1,514 | 4.84% |
For the 2021, Home Bank's most frequently cited loan purpose of loans were Home Purchase, with 315 originations. The 2nd most popular reason of loans were Refi, with 270 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 283 | $82,625,000 | $291,961 | $3,696 | 3.27% |
| 5 Year | 131 | $25,555,000 | $195,076 | $332 | 4.64% |
| 15 Year | 98 | $19,550,000 | $199,490 | $2,846 | 2.98% |
| 30+ year | 71 | $28,725,000 | $404,577 | $6,366 | 4.34% |
| 10 Year | 69 | $8,225,000 | $119,203 | $2,346 | 4.31% |
| Other | 40 | $11,390,000 | $284,750 | $1,832 | 5.18% |
| 20 Year | 26 | $5,040,000 | $193,846 | $3,377 | 3.74% |
| 1 Year | 6 | $3,020,000 | $503,333 | $0 | 4.65% |
| 3 Year | 3 | $835,000 | $278,333 | $0 | 5.58% |
For the 2021, Home Bank's most frequently cited loan length of loans were 30 Year, with 283 originations. The 2nd most popular length of loans were 5 Year, with 131 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 363 | $92,255,000 | $254,146 |
| $1k-2k | 62 | $24,100,000 | $388,710 |
| $2k-3k | 10 | $3,440,000 | $344,000 |
| $3k-4k | 5 | $2,205,000 | $441,000 |
| $5k+ | 4 | $1,710,000 | $427,500 |
$3,696 of loans were Home Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 363 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 250 | $61,280,000 | $245,120 |
| 3-4% | 179 | $61,045,000 | $341,034 |
| 2.5-3% | 158 | $39,580,000 | $250,506 |
| <2.5% | 82 | $16,780,000 | $204,634 |
| 5-6% | 35 | $4,975,000 | $142,143 |
| 6-7% | 14 | $1,110,000 | $79,286 |
| Over 8% | 5 | $115,000 | $23,000 |
| 7-8% | 4 | $80,000 | $20,000 |
During 2021, Home Bank's average interest rate of loans were 3.27%, while their most frequently originated rate bucket of loans were 4-5%, with 250 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-200k | 208 | $31,370,000 | $150,817 | $3,234 | 3.56% |
| $200k-400k | 205 | $58,985,000 | $287,732 | $3,989 | 3.44% |
| $100,000 or less | 182 | $10,430,000 | $57,308 | $1,971 | 4.62% |
| $400k-600k | 86 | $41,080,000 | $477,674 | $4,805 | 3.57% |
| $600k-1MM | 32 | $24,540,000 | $766,875 | $5,770 | 4.01% |
| $1MM+ | 14 | $18,560,000 | $1,325,714 | $7,201 | 4.07% |
2021 saw Home Bank place emphasis on $100k-200k loans with 208 originations, totaling $31,370,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 119 | $31,865,000 | $267,773 | $3,946 | 3.49% |
| $150k-250k | 90 | $33,190,000 | $368,778 | $4,450 | 3.72% |
| $50k or less | 89 | $8,475,000 | $95,225 | $2,737 | 3.92% |
| $50k-75k | 88 | $14,280,000 | $162,273 | $3,608 | 3.59% |
| $250k+ | 86 | $39,330,000 | $457,326 | $4,084 | 3.54% |
| $75k-100k | 65 | $12,395,000 | $190,692 | $3,435 | 3.45% |
Home Bank lent most frequently to those with incomes in the $100k-150k range, with 119 originations. The second most popular income band? $150k-250k, with 90 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 130 | $30,710,000 | $236,231 | $3,422 | 3.56% |
| 30-36% | 124 | $37,070,000 | $298,952 | $3,905 | 3.53% |
| <20% | 59 | $15,845,000 | $268,559 | $3,277 | 3.04% |
| 37% | 25 | $5,655,000 | $226,200 | $3,321 | 3.38% |
| 40% | 23 | $6,215,000 | $270,217 | $4,118 | 3.76% |
| 38% | 23 | $6,885,000 | $299,348 | $4,382 | 3.44% |
| 39% | 21 | $7,745,000 | $368,810 | $4,218 | 3.40% |
| 41% | 17 | $5,555,000 | $326,765 | $4,147 | 3.49% |
| 42% | 15 | $5,015,000 | $334,333 | $4,257 | 3.72% |
| 36% | 13 | $3,225,000 | $248,077 | $3,464 | 3.03% |
| 44% | 11 | $2,685,000 | $244,091 | $4,386 | 3.41% |
| 45% | 11 | $2,505,000 | $227,727 | $4,106 | 3.89% |
| 43% | 9 | $1,825,000 | $202,778 | $3,428 | 3.50% |
| 47% | 6 | $1,370,000 | $228,333 | $3,816 | 3.19% |
| 49% | 5 | $1,125,000 | $225,000 | $2,411 | 4.13% |
| 48% | 5 | $1,275,000 | $255,000 | $3,507 | 3.33% |
| >60% | 4 | $1,560,000 | $390,000 | $3,830 | 4.03% |
| 46% | 4 | $1,500,000 | $375,000 | $7,060 | 3.81% |
Home Bank lent most frequently to those with DTI ratios of 20-30%, with 130 originations. The next most common DTI ratio? 30-36%, with 124 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 458 | $126,090,000 | $275,306 | $3,756 | 3.56% |
| Not applicable | 170 | $41,320,000 | $243,059 | $0 | 4.52% |
| Black | 78 | $12,720,000 | $163,077 | $3,365 | 4.00% |
| Asian | 9 | $1,985,000 | $220,556 | $3,216 | 3.03% |
| Not provided | 8 | $1,850,000 | $231,250 | $5,184 | 3.66% |
| American Indian | 1 | $405,000 | $405,000 | $3,733 | 3.50% |
| Other Asian | 2 | $320,000 | $160,000 | $3,492 | 3.44% |
| Vietnamese | 1 | $275,000 | $275,000 | $3,139 | 2.75% |
Approval Rates
Total approvals of all applications93.51%
Home Bank has an average approval rate.
Pick Rate
Approvals leading to origination77.95%
Home Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 250.0 | 6 | $100,000 | $16,667 |
| NA | 721 | $184,865,000 | $256,401 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 727 | $184,965,000 | $254,422 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 76 | $11,200,000 | $147,368 | $2,609 | 3.96% |
| 40-60% | 146 | $33,160,000 | $227,123 | $3,628 | 3.75% |
| 60-80% | 301 | $91,395,000 | $303,638 | $4,074 | 3.82% |
| 80-100% | 164 | $45,950,000 | $280,183 | $4,084 | 3.63% |
| Under 20% | 40 | $3,260,000 | $81,500 | $971 | 4.68% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| HOME BANCSHARES, INC. | Conventional home mortgage | Trouble during payment process | 1 | 50.0% |
| HOME BANCSHARES, INC. | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 50.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Home Bank, National Association | 1020 Coolidge Lafayette, LA 70501 | Full Service B&M | $35,700 |
| Home Bank, National Association | 100 Albertson Parkway Broussard, LA 70518 | Full Service B&M | $44,112 |
| Home Bank, National Association | 1001 Johnston Street Lafayette, LA 70501 | Full Service B&M | $62,158 |
| Home Bank, National Association | 102 South Adams Street Welsh, LA 70591 | Full Service B&M | $35,734 |
| Home Bank, National Association | 2037 Gause Blvd East Slidell, LA 70461 | Full Service B&M | $22,377 |
| Home Bank, National Association | 2150 South Frontage Road Vicksburg, MS 39180 | Full Service B&M | $15,759 |
| Home Bank, National Association | 2810 Johnston Street Lafayette, LA 70503 | Full Service B&M | $35,734 |
| Home Bank, National Association | 301 S Main St Saint Martinville, LA 70582 | Full Service B&M | $158,747 |
| Home Bank, National Association | 3524 Sherwood Forest Blvd Baton Rouge, LA 70816 | Full Service B&M | $16,288 |
| Home Bank, National Association | 357 Odd Fellows Road Crowley, LA 70527 | Full Service B&M | $90,472 |
| Home Bank, National Association | 3915 Canal Street New Orleans, LA 70114 | Full Service B&M | $23,367 |
| Home Bank, National Association | 4202 Johnston Street Lafayette, LA 70503 | Full Service B&M | $53,947 |
| Home Bank, National Association | 4401 Transcontinental Drive Metairie, LA 70002 | Full Service B&M | $61,630 |
| Home Bank, National Association | 4421 Catahoula Highway St. Martinville, LA 70582 | Limited, Drive-thru | $0 |
| Home Bank, National Association | 500 Main Street Natchez, MS 39120 | Full Service B&M | $112,177 |
| Home Bank, National Association | 5028 Ambassador Caffery Parkway Lafayette, LA 70508 | Full Service B&M | $67,674 |
| Home Bank, National Association | 503 Kaliste Saloom Lafayette, LA 70508 | Full Service B&M | $514,079 |
| Home Bank, National Association | 5302 Corporate Boulevard Baton Rouge, LA 70808 | Full Service B&M | $41,510 |
| Home Bank, National Association | 5435 Magazine Street New Orleans, LA 70115 | Full Service B&M | $36,519 |
| Home Bank, National Association | 5543 Cameron Street Scott, LA 70583 | Limited, Drive-thru | $0 |
| Home Bank, National Association | 69291 Highway 21 Covington, LA 70433 | Full Service B&M | $36,120 |
| Home Bank, National Association | 70591 Highway 59 Abita Springs, LA 70420 | Full Service B&M | $22,398 |
| Home Bank, National Association | 806 Bernard Road Carencro, LA 70520 | Full Service B&M | $74,353 |
| Home Bank, National Association | 82255 Hwy. 25 Folsom, LA 70437 | Full Service B&M | $52,639 |
| Home Bank, National Association | 9659 Antioch Road, Suite 101 Baton Rouge, LA 70817 | Full Service B&M | $15,432 |
| Home Bank, National Association | Broadway And Highway 190 East Elton, LA 70532 | Full Service B&M | $21,477 |
| Home Bank, National Association | Highway 61 North Natchez, MS 39120 | Full Service B&M | $24,605 |
| Home Bank, National Association | Highway 61 South Natchez, MS 39120 | Full Service B&M | $47,685 |
| Home Bank, National Association | Interstate 10, 800 I-10 South Frontage Road Scott, LA 70583 | Full Service B&M | $78,969 |
| Home Bank, National Association | 1021 Bridge Street Parks, LA 70582 | Limited, Drive-thru | $0 |
| Home Bank, National Association | 10563 South Glenstone Place Baton Rouge, LA 70810 | Full Service B&M | $20,024 |
| Home Bank, National Association | 1105 S Clearview Pkwy Jefferson, LA 70121 | Full Service B&M | $41,251 |
| Home Bank, National Association | 114 N Main St Church Point, LA 70525 | Full Service B&M | $61,132 |
| Home Bank, National Association | 1219 Albertson Parkway Broussard, LA 70518 | Full Service B&M | $42,974 |
| Home Bank, National Association | 1245 Camellia Boulevard Lafayette, LA 70508 | Full Service B&M | $51,174 |
| Home Bank, National Association | 128 East Academy Avenue Jennings, LA 70546 | Full Service B&M | $76,549 |
| Home Bank, National Association | 1305 North Causeway Boulevard Mandeville, LA 70471 | Full Service B&M | $71,971 |
| Home Bank, National Association | 1600 Veterans Memorial Boulevard Metairie, LA 70005 | Full Service B&M | $157,576 |
| Home Bank, National Association | 1750 North Columbia Street Covington, LA 70433 | Full Service B&M | $23,516 |
| Home Bank, National Association | 1800 Manhattan Blvd Harvey, LA 70058 | Full Service B&M | $26,650 |
For 2021, Home Bank had 40 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $106,902 |
| Net interest income | $100,989 |
| Total noninterest income | $16,239 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $3,798 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $12,441 |
| Pre-tax net operating income | $60,623 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $48,766 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $48,766 |
| Minority interest net income | $0 |
| Net income | $48,766 |
| Sale, conversion, retirement of capital stock, net | $769 |
| Net operating income | $48,766 |
Home Bank's gross interest income from loans was $106,902,000.
Home Bank's net interest income from loans was $100,989,000.
Home Bank's fee based income from loans was $3,798,000.
Home Bank's net income from loans was $48,766,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $5,913 |
| Provision for credit losses | $-10,161 |
| Total noninterest expense | $66,766 |
| Salaries and employee benefits | $38,492 |
| Premises and equipment expense | $9,811 |
| Additional noninterest expense | $18,463 |
| Applicable income taxes | $11,857 |
| Net charge-offs | $1,713 |
| Cash dividends | $15,000 |
Home Bank's interest expense for loans was $5,913,000.
Home Bank's payroll and benefits expense were $38,492,000.
Home Bank's property, plant and equipment expenses $9,811,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 1.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.1% |
| Other individual loans | 0.0% |
| Auto loans | 2.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $2,539,926 |
| Deposits held in domestic offices | $2,539,926 |
| Deposits by Individuals, partnerships, and corporations | $2,256,115 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $280,829 |
| Deposits by Commercial banks and other depository institutions in U.S. | $2,982 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $1,563,381 |
| Demand deposits | $770,462 |
| Nontransaction accounts | $976,545 |
| Money market deposit accounts (MMDAs) | $371,478 |
| Other savings deposits (excluding MMDAs) | $285,728 |
| Total time deposits | $319,340 |
| Total time and savings deposits | $1,769,464 |
| Noninterest-bearing deposits | $770,462 |
| Interest-bearing deposits | $1,769,464 |
| Retail deposits | $2,438,197 |
| IRAs and Keogh plan accounts | $44,602 |
| Brokered deposits | $41,007 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $2,932,077 |
| Cash & Balances due from depository institutions | $602,206 |
| Interest-bearing balances | $581,779 |
| Total securities | $329,734 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $1,820,108 |
| Loan and leases loss allowance | $21,089 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $43,542 |
| Other real estate owned | $1,189 |
| Goodwill and other intangibles | $61,949 |
| All other assets | $73,349 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $2,932,077 |
| Total Liabilities | $2,588,596 |
| Total deposits | $2,539,926 |
| Interest-bearing deposits | $1,769,464 |
| Deposits held in domestic offices | $2,539,926 |
| % insured (estimated) | $68 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $31,585 |
| Subordinated debt | $0 |
| All other liabilities | $17,085 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,820,108 |
| Loan and leases loss allowance | $21,089 |
| Total loans and leases (domestic) | $1,841,197 |
| All real estate loans | $1,567,095 |
| Real estate loans in domestic offices | $1,567,095 |
| Construction and development loans | $254,116 |
| Residential 1-4 family construction | $77,966 |
| Other construction, all land development and other land | $176,150 |
| Loans secured by nonfarm nonresidential properties | $803,100 |
| Nonfarm nonresidential secured by owner-occupied properties | $421,199 |
| Commercial real estate & other non-farm, non-residential | $381,901 |
| Multifamily residential real estate | $90,645 |
| 1-4 family residential loans | $412,508 |
| Farmland loans | $6,726 |
| Loans held in foreign offices | $0 |
| Farm loans | $9,951 |
| Commercial and industrial loans | $229,639 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $33,154 |
| Credit card loans | $4,138 |
| Related Plans | $2,586 |
| Consumer Auto Loans | $823 |
| Other loans to individuals | $25,607 |
| All other loans & leases | $6,282 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $0 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $4,943 |
| Non 1-4 family restructured loans & leases | $3,587 |
| Total loans and leases (foreign) | $0 |
Home Bank had $1,820,108,000 of loans outstanding in 2021. $1,567,095,000 of loans were in real estate loans. $254,116,000 of loans were in development loans. $90,645,000 of loans were in multifamily mortgage loans. $412,508,000 of loans were in 1-4 family mortgage loans. $9,951,000 of loans were in farm loans. $4,138,000 of loans were in credit card loans. $823,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 999 | $252,902 | $253,155 |
| Nonfarm, nonresidential loans - <$100k | 176 | $13,042 | $74,102 |
| Nonfarm, nonresidential loans - $100-250k | 322 | $41,867 | $130,022 |
| Nonfarm, nonresidential loans - $250k-1MM | 501 | $197,993 | $395,196 |
| Commercial & Industrial, US addressed loans - <$1MM | 1,766 | $134,881 | $76,377 |
| Commercial & Industrial, US addressed loans - <$100k | 1,336 | $33,021 | $24,716 |
| Commercial & Industrial, US addressed loans - $100-250k | 246 | $31,837 | $129,419 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 184 | $70,023 | $380,560 |
| Farmland loans - <$1MM | 23 | $2,369 | $103,000 |
| Farmland loans - <$100k | 9 | $377 | $41,889 |
| Farmland loans - $100-250k | 10 | $1,005 | $100,500 |
| Farmland loans - $250k-1MM | 4 | $987 | $246,750 |
| Agriculture operations loans - <$1MM | 53 | $5,330 | $100,566 |
| Agriculture operations loans - <$100k | 28 | $880 | $31,429 |
| Agriculture operations loans - $100-250k | 8 | $1,004 | $125,500 |
| Agriculture operations loans - $250k-1MM | 17 | $3,446 | $202,706 |
