Home Loan Investment Bank F.s.b. Mortgage Rates, Fees & Info
Warwick, RILEI: 549300LLQD0X2OTG0Y27
Tax ID: 05-0283864
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Mortgage Data
Review & Overview
Home Loan Investment Bank F.s.b. is a smaller bank specializing in Home Purchase loans. They have an average proportion of FHA loans. Home Loan Investment Bank F.s.b. has a high proportion of conventional loans. Their top markets by origination volume include: Providence, Boston, Manchester, Worcester, and New York among others. We have data for 167 markets. (Some data included below & more in-depth data is available with an active subscription.)Home Loan Investment Bank F.s.b. has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Home Loan Investment Bank F.s.b. 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 | 7.05% | 4/16/25 |
| 30 Year Conventional Refi | 6.70% | 4/16/25 |
| 30 Year Cash-out Refi | 7.86% | 4/16/25 |
| 30 Year FHA Purchase | 7.19% | 4/16/25 |
| 30 Year FHA Refi | 7.13% | 4/16/25 |
| 30 Year VA Purchase | 6.47% | 4/16/25 |
| 30 Year VA Refi | 5.90% | 4/16/25 |
| 15 Year Conventional Purchase | 6.62% | 4/16/25 |
| 15 Year FHA Refi | 6.00% | 4/16/25 |
| 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 Loan Investment Bank F.s.b. Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Home Loan Investment Bank F.s.b.. 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
725Origination Dollar Volume (All Markets)
$156,175,000Awards
Home Loan Investment Bank F.S.B. - 2024
Home Loan Investment Bank F.S.B. is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Home Loan Investment Bank F.s.b.'s average 30 year fixed mortgage rate was
6.9%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.35%.
Relative Fees (Closing Costs)
Home Loan Investment Bank F.s.b.'s average total fees/closing costs for a 30 year fixed rate
mortgage were $6,447.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
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 |
|---|---|---|---|---|---|
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 216 | $63,880,000 | $295,741 | $5,405 | 7.10% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 59 | $23,985,000 | $406,525 | $5,621 | 7.26% |
| Outside of Metro Areas | 59 | $14,895,000 | $252,458 | $3,482 | 7.95% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 13 | $4,675,000 | $359,615 | $4,819 | 6.83% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 10 | $2,900,000 | $290,000 | $4,290 | 7.27% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 8 | $2,640,000 | $330,000 | $6,220 | 7.58% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 7 | $2,175,000 | $310,714 | $4,060 | 7.85% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 6 | $1,860,000 | $310,000 | $3,383 | 8.01% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $1,840,000 | $920,000 | $7,007 | 6.99% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $1,815,000 | $605,000 | $3,856 | 7.08% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2 | $1,480,000 | $740,000 | $4,763 | 6.93% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 2 | $1,400,000 | $700,000 | $5,346 | 6.88% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 25 | $1,185,000 | $47,400 | $1,452 | 8.15% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 7 | $1,165,000 | $166,429 | $2,654 | 7.84% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $5,849 | 6.93% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $1,080,000 | $540,000 | $3,566 | 7.49% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $1,015,000 | $1,015,000 | $7,819 | 6.99% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $7,001 | 6.99% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $890,000 | $111,250 | $2,227 | 7.81% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $4,892 | 6.88% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $865,000 | $865,000 | $7,557 | 6.99% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $3,276 | 7.97% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $3,081 | 9.46% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $7,005 | 6.99% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $6,034 | 6.99% |
| SALEM, OR (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $6,104 | 6.99% |
| RENO, NV (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $6,307 | 6.99% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 7 | $705,000 | $100,714 | $1,956 | 8.60% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 6 | $690,000 | $115,000 | $1,872 | 7.65% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 7 | $665,000 | $95,000 | $1,730 | 8.55% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $2,482 | 7.12% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,580 | 6.99% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 5 | $585,000 | $117,000 | $1,509 | 8.29% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $4,539 | 6.99% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $4,874 | 6.99% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,954 | 7.69% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $3,604 | 7.24% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $1,717 | 7.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 6 | $500,000 | $83,333 | $1,685 | 8.15% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $7,478 | 6.69% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 17 | $465,000 | $27,353 | $1,123 | 8.16% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $2,357 | 7.86% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,344 | 5.75% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,513 | 7.56% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,644 | 9.04% |
| Elko, NV (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,394 | 6.88% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,201 | 6.47% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $2,453 | 9.25% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $1,314 | 7.87% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,983 | 5.88% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $10,427 | 6.63% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,138 | 6.99% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 14 | $330,000 | $23,571 | $1,281 | 8.31% |
| Concord, NH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $7,709 | 6.63% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 7 | $275,000 | $39,286 | $1,400 | 9.01% |
| TULSA, OK (FHA|USDA|VA) | 6 | $270,000 | $45,000 | $1,900 | 8.58% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,156 | 7.91% |
| DALTON, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 6.63% |
| DOVER, DE (FHA|USDA|VA) | 9 | $215,000 | $23,889 | $1,345 | 8.06% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 6 | $210,000 | $35,000 | $1,233 | 9.19% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 8 | $180,000 | $22,500 | $1,122 | 8.51% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 4 | $180,000 | $45,000 | $1,645 | 7.36% |
| Bennington, VT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,017 | 6.99% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,268 | 6.00% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,573 | 6.38% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 4 | $120,000 | $30,000 | $1,105 | 8.75% |
| Lumberton, NC (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $532 | 6.66% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $843 | 7.99% |
| COLUMBUS, OH (FHA|USDA|VA) | 5 | $115,000 | $23,000 | $1,423 | 9.53% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 4 | $100,000 | $25,000 | $1,532 | 9.10% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $1,203 | 9.47% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,667 | 6.50% |
| Cambridge, MD (FHA|USDA|VA) | 3 | $75,000 | $25,000 | $1,491 | 8.57% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $65,000 | $21,667 | $1,389 | 8.72% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,475 | 8.99% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $55,000 | $18,333 | $981 | 8.38% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,099 | 6.38% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $50,000 | $25,000 | $532 | 7.25% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 2 | $50,000 | $25,000 | $1,532 | 7.95% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $50,000 | $25,000 | $1,517 | 10.60% |
| APPLETON, WI (FHA|USDA|VA) | 2 | $50,000 | $25,000 | $1,532 | 8.75% |
| READING, PA (FHA|USDA|VA) | 2 | $50,000 | $25,000 | $1,532 | 10.25% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $50,000 | $25,000 | $1,532 | 10.38% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $50,000 | $25,000 | $1,460 | 7.45% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $50,000 | $25,000 | $1,532 | 9.25% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $50,000 | $25,000 | $1,532 | 8.10% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $40,000 | $20,000 | $1,032 | 7.10% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $40,000 | $20,000 | $1,236 | 9.50% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $40,000 | $20,000 | $1,315 | 9.10% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $40,000 | $20,000 | $1,337 | 8.88% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $30,000 | $15,000 | $1,193 | 11.75% |
| Greenwood, SC (FHA|USDA|VA) | 2 | $30,000 | $15,000 | $979 | 8.95% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 8.95% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 7.95% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 9.50% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 8.95% |
| Morgan City, LA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 9.25% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $532 | 6.95% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 10.95% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 6.95% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 10.25% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $532 | 6.95% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 7.50% |
| Bennettsville, SC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 9.95% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 7.95% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 7.95% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $532 | 7.25% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 9.50% |
| Atchison, KS (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,502 | 8.25% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 10.25% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 6.95% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 7.25% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 10.95% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $532 | 5.95% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 6.95% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,481 | 10.25% |
| New Castle, PA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 10.25% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,396 | 7.25% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 8.25% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 8.95% |
| Galesburg, IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 7.95% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 8.25% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 7.95% |
| Marion, OH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,473 | 10.50% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 10.95% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 9.95% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $532 | 7.25% |
| ERIE, PA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $532 | 7.25% |
| RACINE, WI (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,389 | 7.95% |
| Keene, NH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $532 | 7.25% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 10.25% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 11.25% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,391 | 11.25% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,427 | 10.25% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $532 | 6.95% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 6.95% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 7.95% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $532 | 6.95% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 6.95% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 8.95% |
| Corning, NY (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,351 | 11.25% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $532 | 5.95% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $532 | 5.95% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 9.95% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 8.25% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 7.50% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,532 | 11.95% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,451 | 11.95% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $1,094 | 11.25% |
| Columbus, NE (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $1,161 | 12.25% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $943 | 7.25% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $1,036 | 9.25% |
| Beatrice, NE (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $1,132 | 11.95% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $1,009 | 9.50% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $1,208 | 9.95% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $1,102 | 7.50% |
| AKRON, OH (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $1,022 | 11.50% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $1,226 | 9.25% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $1,052 | 7.95% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $1,265 | 10.50% |
| Kinston, NC (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $1,140 | 7.50% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $1,024 | 10.95% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $1,182 | 11.50% |
| Fort Polk South, LA (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $1,313 | 6.95% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $1,057 | 7.50% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $1,301 | 7.50% |
Their top states include:
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| FHA | 387 | $27,195,000 | $70,271 | $2,685 | 8.39% |
| Conventional | 327 | $124,065,000 | $379,404 | $4,486 | 7.09% |
| VA | 11 | $4,915,000 | $446,818 | $8,641 | 6.22% |
For 2024, Home Loan Investment Bank F.s.b.'s most frequently originated type of loan was FHA, with 387 originations. Their 2nd most popular type was Conventional, with 327 originations.
Loan Reason
For 2024, Home Loan Investment Bank F.s.b.'s most frequently cited loan purpose was Home Improvement, with 342 originations. The 2nd most popular reason was Home Purchase, with 274 originations.
Loan Duration/Length
For 2024, Home Loan Investment Bank F.s.b.'s most frequently cited loan duration was 30 Year, with 336 originations. The 2nd most popular length was 15 Year, with 123 originations.
Origination Fees/Closing Costs
Home Loan Investment Bank F.s.b.'s average total fees were $6,447, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 379 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 285 | $106,035,000 | $372,053 |
| Over 8% | 217 | $10,015,000 | $46,152 |
| 7-8% | 177 | $29,445,000 | $166,356 |
| 5-6% | 46 | $10,680,000 | $232,174 |
During 2024, Home Loan Investment Bank F.s.b.'s average interest rate for loans was 6.90%, while their most frequently originated rate bucket for loans was 6-7%, with 285 originations.
Loan Sizing
2024 saw Home Loan Investment Bank F.s.b. place emphasis on $100,000 or less loans with 382 originations, totaling $10,500,000 in origination value.
Applicant Income
Home Loan Investment Bank F.s.b. lent most frequently to those with incomes in the $150k-250k range, with 201 originations. The second most popular income band? $100k-150k, with 200 originations.
Applicant Debt to Income Ratio
Home Loan Investment Bank F.s.b. lent most frequently to those with DTI ratios of <20%, with 152 originations. The next most common DTI ratio? 30-36%, with 114 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications71.31%
Home Loan Investment Bank F.s.b. has a below average approval rate.
Pick Rate
Approvals leading to origination35.17%
Home Loan Investment Bank F.s.b. has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 725 | $156,175,000 | $215,414 |