Home Bank Mortgage Rates, Fees & Info

Lafayette, LA

LEI: 549300II7Y8V2KY9TM28

Tax ID: 72-0214660

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & 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 by origination volume include: New Orleans, Lafayette, Baton Rouge, Pensacola, and Opelousas among others. We have data for 25 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Home Bank 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. Home Bank is typically a low 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
    30 Year Conventional Purchase 6.44% 4/21/24
    30 Year Conventional Refi 6.37% 4/21/24
    30 Year Cash-out Refi 6.58% 4/21/24
    30 Year FHA Purchase 6.27% 4/21/24
    30 Year VA Purchase 6.27% 4/21/24
    30 Year USDA Purchase 6.61% 4/21/24
    15 Year Conventional Purchase 6.54% 4/21/24
    15 Year Conventional Refi 6.92% 4/21/24
    15 Year Cash-out Refi 6.92% 4/21/24
    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.

    Home Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Home Bank. 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

    727

    Origination Dollar Volume (All Markets)

    $184,965,000

    Employee count

    442

    Awards

    Home Bank 30 Year Conventional Loans bronze Home Bank 30 Year Conventional Loans silver
    Show all (2) awards

    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
    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.

    Their top states include:
  • Louisiana (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Home Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Bank of Abbeville & Trust Company
    Similarity Rank: 161
    Eureka Homestead
    Similarity Rank: 204
    Abbeville Building & Loan (A State-Chartered Savings Bank)
    Similarity Rank: 264
    Neighbors Federal Credit Union
    Similarity Rank: 320
    GREATER NEW ORLEANS
    Similarity Rank: 543
    America's Mortgage Resource, Inc.
    Similarity Rank: 891
    The Bank
    Similarity Rank: 931
    JEFFERSON FINANCIAL
    Similarity Rank: 936
    ESSENTIAL
    Similarity Rank: 1184
    Pelican State Credit Union
    Similarity Rank: 2356

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 718 $183,680,000 $255,822 $3,700 3.84%
    USDA 9 $1,285,000 $142,778 $4,691 2.88%

    For 2021, Home Bank's most frequently originated type of loan was Conventional, with 718 originations. Their 2nd most popular type was USDA, with 9 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Home Bank's most frequently cited loan purpose was Home Purchase, with 315 originations. The 2nd most popular reason was 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 2021, Home Bank's most frequently cited loan duration was 30 Year, with 283 originations. The 2nd most popular length was 5 Year, with 131 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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

    Home Bank's average total fees were $3,696, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.27%, while their most frequently originated rate bucket for loans was 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 applications
    93.57%

    Home Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    74.28%

    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 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 1020 Coolidge Lafayette, LA 70501 Full Service B&M $35,700
    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
    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

    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