Home Loan Investment Bank F.s.b. Mortgage Rates, Fees & Info

Warwick, RI

LEI: 549300LLQD0X2OTG0Y27

Tax ID: 05-0283864

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

Review & Overview

Home Loan Investment Bank F.s.b. is a smaller bank specializing in Home Purchase loans. They have a a high proportion of FHA loans. Home Loan Investment Bank F.s.b. has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Providence, Boston, Worcester, Manchester, and New York among others. We have data for 272 markets. (Some data included below & more in-depth data is available with an active subscription.)

Home Loan Investment Bank F.s.b. has a below 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 an average 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.

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SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
30 Year Conventional Purchase	6.70%	11/21/24
30 Year Conventional Refi	6.79%	11/21/24
30 Year Cash-out Refi	6.99%	11/21/24
30 Year FHA Purchase	7.25%	11/21/24
30 Year FHA Refi	7.21%	11/21/24
30 Year VA Purchase	6.17%	11/21/24
15 Year Conventional Purchase	6.36%	11/21/24
15 Year Conventional Refi	6.10%	11/21/24
15 Year Cash-out Refi	6.10%	11/21/24
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 Loan Investment Bank F.s.b. Mortgage Calculator

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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

1,611

Origination Dollar Volume (All Markets)

$151,565,000

Employee count

130

Awards

Home Loan Investment Bank F.S.B. FHA Loans bronze

Show all (1) 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
PROVIDENCE-WARWICK, RI-MA (FHA\|USDA\|VA)	425	$87,855,000	$206,718	$4,044	5.38%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	115	$28,195,000	$245,174	$4,589	5.05%
WORCESTER, MA-CT (FHA\|USDA\|VA)	24	$3,060,000	$127,500	$3,284	5.53%
MANCHESTER-NASHUA, NH (FHA\|USDA\|VA)	14	$2,230,000	$159,286	$3,037	5.16%
Outside of Metro Areas	86	$1,880,000	$21,860	$1,329	6.81%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	29	$1,495,000	$51,552	$1,703	6.68%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	56	$1,360,000	$24,286	$1,317	6.49%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	29	$1,155,000	$39,828	$1,964	6.94%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	15	$905,000	$60,333	$1,765	6.43%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	44	$890,000	$20,227	$1,224	6.02%
Concord, NH (FHA\|USDA\|VA)	8	$850,000	$106,250	$1,953	5.94%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	7	$725,000	$103,571	$4,568	5.78%
BARNSTABLE TOWN, MA (FHA\|USDA\|VA)	3	$625,000	$208,333	$4,857	4.50%
NORWICH-NEW LONDON, CT (FHA\|USDA\|VA)	7	$575,000	$82,143	$2,777	6.25%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	27	$555,000	$20,556	$1,250	6.74%
TULSA, OK (FHA\|USDA\|VA)	22	$500,000	$22,727	$1,412	6.60%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	21	$495,000	$23,571	$1,328	7.18%
COLUMBUS, OH (FHA\|USDA\|VA)	23	$485,000	$21,087	$1,306	6.37%
WILMINGTON, NC (FHA\|USDA\|VA)	1	$455,000	$455,000	$16,315	4.25%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	4	$450,000	$112,500	$2,528	5.86%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	8	$410,000	$51,250	$1,754	7.81%
ELKHART-GOSHEN, IN (FHA\|USDA\|VA)	21	$405,000	$19,286	$1,130	6.47%
PORTLAND-SOUTH PORTLAND, ME (FHA\|USDA\|VA)	2	$390,000	$195,000	$5,038	4.69%
OCEAN CITY, NJ (FHA\|USDA\|VA)	1	$385,000	$385,000	$5,251	5.00%
PUNTA GORDA, FL (FHA\|USDA\|VA)	2	$370,000	$185,000	$2,961	5.75%
STAUNTON, VA (FHA\|USDA\|VA)	1	$345,000	$345,000	$3,918	5.13%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	15	$345,000	$23,000	$1,352	5.99%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	14	$340,000	$24,286	$1,391	5.74%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	14	$340,000	$24,286	$1,273	5.82%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	16	$310,000	$19,375	$1,250	6.89%
Sebastian-Vero Beach, FL (FHA\|USDA\|VA)	1	$285,000	$285,000	$7,962	4.75%
PITTSBURGH, PA (FHA\|USDA\|VA)	9	$275,000	$30,556	$1,622	5.81%
SALISBURY, MD-DE (FHA\|USDA\|VA)	11	$275,000	$25,000	$1,489	6.27%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	13	$275,000	$21,154	$1,168	6.18%
NEW HAVEN-MILFORD, CT (FHA\|USDA\|VA)	1	$265,000	$265,000	$3,746	4.63%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	13	$255,000	$19,615	$1,295	7.03%
SPRINGFIELD, MA (FHA\|USDA\|VA)	14	$250,000	$17,857	$1,170	6.45%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA\|USDA\|VA)	8	$240,000	$30,000	$1,469	4.91%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	11	$235,000	$21,364	$1,161	6.50%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	9	$235,000	$26,111	$1,190	7.41%
WICHITA, KS (FHA\|USDA\|VA)	9	$205,000	$22,778	$1,423	8.24%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	9	$205,000	$22,778	$1,384	6.86%
Lebanon, NH-VT (FHA\|USDA\|VA)	2	$200,000	$100,000	$4,471	5.13%
DOVER, DE (FHA\|USDA\|VA)	8	$200,000	$25,000	$1,471	7.31%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	4	$190,000	$47,500	$1,772	6.22%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	8	$180,000	$22,500	$1,393	6.76%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	7	$155,000	$22,143	$1,384	6.75%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	3	$155,000	$51,667	$1,634	5.79%
TERRE HAUTE, IN (FHA\|USDA\|VA)	7	$155,000	$22,143	$1,238	7.16%
Berlin, NH (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,301	4.00%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	8	$150,000	$18,750	$1,114	6.78%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	6	$140,000	$23,333	$1,421	5.42%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	8	$140,000	$17,500	$1,224	6.30%
SHEBOYGAN, WI (FHA\|USDA\|VA)	7	$135,000	$19,286	$1,219	6.52%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	6	$130,000	$21,667	$1,409	7.32%
LOUISVILLE, KY (FHA\|USDA\|VA)	2	$130,000	$65,000	$2,530	4.88%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	5	$125,000	$25,000	$1,301	6.09%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	6	$120,000	$20,000	$1,295	6.12%
RACINE, WI (FHA\|USDA\|VA)	5	$115,000	$23,000	$1,341	7.53%
MORGANTOWN, WV (FHA\|USDA\|VA)	5	$105,000	$21,000	$1,343	6.44%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	4	$100,000	$25,000	$1,562	5.72%
CARBONDALE-MARION, IL (FHA\|USDA\|VA)	4	$100,000	$25,000	$1,226	5.30%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	4	$100,000	$25,000	$1,507	9.00%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	4	$100,000	$25,000	$1,460	6.19%
TOLEDO, OH (FHA\|USDA\|VA)	5	$95,000	$19,000	$1,256	7.95%
AKRON, OH (FHA\|USDA\|VA)	4	$90,000	$22,500	$1,324	7.30%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	4	$90,000	$22,500	$1,160	5.85%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	4	$90,000	$22,500	$1,404	8.00%
SOUTH BEND-MISHAWAKA, IN-MI (FHA\|USDA\|VA)	5	$85,000	$17,000	$1,193	6.75%
Rochelle, IL (FHA\|USDA\|VA)	1	$85,000	$85,000	$4,165	4.25%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	4	$80,000	$20,000	$1,295	7.25%
McPherson, KS (FHA\|USDA\|VA)	4	$80,000	$20,000	$1,117	7.13%
Warrensburg, MO (FHA\|USDA\|VA)	3	$75,000	$25,000	$1,174	6.08%
SYRACUSE, NY (FHA\|USDA\|VA)	3	$75,000	$25,000	$1,433	6.58%
LAFAYETTE-WEST LAFAYETTE, IN (FHA\|USDA\|VA)	3	$75,000	$25,000	$1,459	8.58%
BAKERSFIELD, CA (FHA\|USDA\|VA)	3	$75,000	$25,000	$1,507	6.25%
LIMA, OH (FHA\|USDA\|VA)	4	$70,000	$17,500	$1,079	6.38%
Bluefield, WV-VA (FHA\|USDA\|VA)	2	$70,000	$35,000	$2,918	5.35%
Kendallville, IN (FHA\|USDA\|VA)	4	$70,000	$17,500	$971	8.25%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	4	$70,000	$17,500	$1,055	6.13%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	4	$70,000	$17,500	$1,215	7.05%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	3	$65,000	$21,667	$1,377	7.82%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	3	$65,000	$21,667	$1,386	8.25%
GADSDEN, AL (FHA\|USDA\|VA)	3	$65,000	$21,667	$1,310	7.92%
JACKSONVILLE, FL (FHA\|USDA\|VA)	3	$65,000	$21,667	$1,399	5.98%
ALBANY-SCHENECTADY-TROY, NY (FHA\|USDA\|VA)	3	$65,000	$21,667	$1,117	7.92%
Watertown-Fort Atkinson, WI (FHA\|USDA\|VA)	3	$65,000	$21,667	$1,091	5.32%
Ottawa, IL (FHA\|USDA\|VA)	3	$65,000	$21,667	$933	5.58%
LAFAYETTE, LA (FHA\|USDA\|VA)	3	$65,000	$21,667	$936	5.48%
PINE BLUFF, AR (FHA\|USDA\|VA)	3	$65,000	$21,667	$1,364	7.25%
Sandusky, OH (FHA\|USDA\|VA)	3	$65,000	$21,667	$1,344	6.48%
SPRINGFIELD, IL (FHA\|USDA\|VA)	3	$65,000	$21,667	$1,411	6.42%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA\|USDA\|VA)	3	$55,000	$18,333	$916	4.75%
NILES, MI (FHA\|USDA\|VA)	3	$55,000	$18,333	$1,293	5.48%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	3	$55,000	$18,333	$1,268	9.08%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	3	$55,000	$18,333	$1,254	6.25%
Pontiac, IL (FHA\|USDA\|VA)	3	$55,000	$18,333	$1,290	8.15%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	3	$55,000	$18,333	$1,295	6.42%
JEFFERSON CITY, MO (FHA\|USDA\|VA)	3	$55,000	$18,333	$1,130	6.42%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	2	$50,000	$25,000	$1,431	7.50%
RICHMOND, VA (FHA\|USDA\|VA)	2	$50,000	$25,000	$1,507	7.50%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	2	$50,000	$25,000	$1,436	5.60%
EAST STROUDSBURG, PA (FHA\|USDA\|VA)	2	$50,000	$25,000	$1,437	6.50%
Elko, NV (FHA\|USDA\|VA)	2	$50,000	$25,000	$1,507	5.85%
Pinehurst-Southern Pines, NC (FHA\|USDA\|VA)	2	$50,000	$25,000	$1,507	7.25%
PEORIA, IL (FHA\|USDA\|VA)	2	$50,000	$25,000	$1,458	8.00%
PARKERSBURG-VIENNA, WV (FHA\|USDA\|VA)	2	$50,000	$25,000	$1,500	5.35%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	2	$50,000	$25,000	$922	5.75%
AMARILLO, TX (FHA\|USDA\|VA)	2	$50,000	$25,000	$1,507	8.35%
CANTON-MASSILLON, OH (FHA\|USDA\|VA)	2	$50,000	$25,000	$1,507	7.50%
BOISE CITY, ID (FHA\|USDA\|VA)	2	$50,000	$25,000	$1,507	5.75%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	2	$50,000	$25,000	$1,441	8.63%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	2	$50,000	$25,000	$1,507	7.00%
TOPEKA, KS (FHA\|USDA\|VA)	2	$50,000	$25,000	$1,424	4.50%
TRENTON-PRINCETON, NJ (FHA\|USDA\|VA)	2	$50,000	$25,000	$1,507	6.10%
JOPLIN, MO (FHA\|USDA\|VA)	2	$50,000	$25,000	$1,507	6.25%
LYNCHBURG, VA (FHA\|USDA\|VA)	2	$50,000	$25,000	$1,507	7.50%
WAUSAU-WESTON, WI (FHA\|USDA\|VA)	2	$50,000	$25,000	$1,477	6.75%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	2	$40,000	$20,000	$1,231	4.25%
Beaver Dam, WI (FHA\|USDA\|VA)	2	$40,000	$20,000	$1,331	7.25%
BLOOMINGTON, IN (FHA\|USDA\|VA)	2	$40,000	$20,000	$828	5.10%
BUFFALO-CHEEKTOWAGA, NY (FHA\|USDA\|VA)	2	$40,000	$20,000	$1,382	6.75%
Clarksburg, WV (FHA\|USDA\|VA)	2	$40,000	$20,000	$1,367	6.50%
Fremont, OH (FHA\|USDA\|VA)	2	$40,000	$20,000	$1,397	7.50%
Galesburg, IL (FHA\|USDA\|VA)	2	$40,000	$20,000	$1,344	5.25%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	2	$40,000	$20,000	$1,235	6.50%
KINGSTON, NY (FHA\|USDA\|VA)	2	$40,000	$20,000	$1,231	7.85%
LEBANON, PA (FHA\|USDA\|VA)	2	$40,000	$20,000	$1,228	6.00%
LINCOLN, NE (FHA\|USDA\|VA)	2	$40,000	$20,000	$1,291	8.75%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	2	$40,000	$20,000	$1,284	8.75%
New Philadelphia-Dover, OH (FHA\|USDA\|VA)	2	$40,000	$20,000	$1,334	7.50%
VISALIA, CA (FHA\|USDA\|VA)	2	$40,000	$20,000	$1,241	7.25%
Whitewater, WI (FHA\|USDA\|VA)	2	$40,000	$20,000	$1,372	5.25%
Woodward, OK (FHA\|USDA\|VA)	2	$40,000	$20,000	$1,227	6.35%
PITTSFIELD, MA (FHA\|USDA\|VA)	1	$35,000	$35,000	$1,947	6.25%
McAlester, OK (FHA\|USDA\|VA)	2	$30,000	$15,000	$1,124	6.50%
APPLETON, WI (FHA\|USDA\|VA)	2	$30,000	$15,000	$1,009	5.60%
BLOOMINGTON, IL (FHA\|USDA\|VA)	2	$30,000	$15,000	$842	6.25%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	2	$30,000	$15,000	$1,117	5.75%
PROVO-OREM, UT (FHA\|USDA\|VA)	2	$30,000	$15,000	$944	6.75%
COLUMBIA, SC (FHA\|USDA\|VA)	2	$30,000	$15,000	$1,103	5.75%
YORK-HANOVER, PA (FHA\|USDA\|VA)	2	$30,000	$15,000	$1,220	8.00%
FOND DU LAC, WI (FHA\|USDA\|VA)	2	$30,000	$15,000	$1,116	6.60%
JONESBORO, AR (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,354	8.95%
NEW BERN, NC (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.95%
New Castle, IN (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	7.25%
HOUMA-THIBODAUX, LA (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	8.75%
ALBANY, GA (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	7.75%
Holland, MI (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	5.95%
Heber, UT (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,363	5.75%
Norfolk, NE (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	8.75%
North Platte, NE (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,494	6.75%
Harrison, AR (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	8.75%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.25%
BLACKSBURG-CHRISTIANSBURG, VA (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,384	5.95%
Lebanon, MO (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.95%
Meadville, PA (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,366	8.75%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	9.75%
Laconia, NH (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	5.95%
KNOXVILLE, TN (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	9.75%
Montrose, CO (FHA\|USDA\|VA)	1	$25,000	$25,000	$507	3.75%
KINGSPORT-BRISTOL, TN-VA (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,470	9.75%
MORRISTOWN, TN (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	7.75%
SALINAS, CA (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.25%
Clewiston, FL (FHA\|USDA\|VA)	1	$25,000	$25,000	$507	3.75%
Chillicothe, OH (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	7.25%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	9.75%
CHICO, CA (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	7.25%
Sanford, NC (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	5.95%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,517	9.95%
Charleston-Mattoon, IL (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.75%
Centralia, IL (FHA\|USDA\|VA)	1	$25,000	$25,000	$507	4.25%
Celina, OH (FHA\|USDA\|VA)	1	$25,000	$25,000	$507	3.75%
Shawano, WI (FHA\|USDA\|VA)	1	$25,000	$25,000	$507	4.25%
Shelby, NC (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	8.25%
Shelbyville, TN (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.25%
SIOUX FALLS, SD (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	5.95%
Cañon City, CO (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,498	6.25%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,325	6.95%
BURLINGTON-SOUTH BURLINGTON, VT (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,367	8.75%
Burlington, IA-IL (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,394	6.75%
Sterling, IL (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	5.95%
ST. GEORGE, UT (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.25%
Bucyrus-Galion, OH (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.25%
STOCKTON, CA (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.25%
Susanville, CA (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.95%
Manitowoc, WI (FHA\|USDA\|VA)	1	$25,000	$25,000	$507	4.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,432	6.25%
Tiffin, OH (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	5.75%
Auburn, IN (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,309	8.75%
Athens, TN (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,448	6.95%
ATHENS-CLARKE COUNTY, GA (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,454	8.75%
Truckee-Grass Valley, CA (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	5.75%
TUCSON, AZ (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	5.95%
Vincennes, IN (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,355	9.75%
Wabash, IN (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.25%
Wapakoneta, OH (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.25%
Ardmore, OK (FHA\|USDA\|VA)	1	$25,000	$25,000	$507	4.25%
Warsaw, IN (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	7.25%
ANNISTON-OXFORD, AL (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,417	6.75%
ANCHORAGE, AK (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.95%
YUMA, AZ (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,342	6.25%
Winfield, KS (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.95%
Logansport, IN (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,375	7.25%
MADISON, WI (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	4.75%
GETTYSBURG, PA (FHA\|USDA\|VA)	1	$25,000	$25,000	$507	4.25%
Ottawa, KS (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.95%
Paducah, KY-IL (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,429	6.25%
Pahrump, NV (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	8.75%
FORT WAYNE, IN (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,426	6.25%
Peru, IN (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,321	6.95%
Fort Madison-Keokuk, IA-IL-MO (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	7.25%
Fort Leonard Wood, MO (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,427	8.75%
Point Pleasant, WV-OH (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.25%
Ponca City, OK (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	8.75%
Easton, MD (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,400	6.25%
DULUTH, MN-WI (FHA\|USDA\|VA)	1	$25,000	$25,000	$507	4.25%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	5.95%
DECATUR, IL (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	9.75%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,517	9.95%
READING, PA (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,316	6.25%
Red Bluff, CA (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	7.25%
REDDING, CA (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.25%
Richmond, IN (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.95%
CUMBERLAND, MD-WV (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	9.25%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	7.25%
Crawfordsville, IN (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,364	6.25%
ROCKY MOUNT, NC (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,517	7.50%
Ruston, LA (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	6.25%
SALEM, OR (FHA\|USDA\|VA)	1	$25,000	$25,000	$1,507	8.25%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	2	$20,000	$10,000	$921	6.00%
Russellville, AR (FHA\|USDA\|VA)	2	$20,000	$10,000	$770	6.25%
Ashland, OH (FHA\|USDA\|VA)	2	$20,000	$10,000	$982	6.50%
Sikeston, MO (FHA\|USDA\|VA)	2	$20,000	$10,000	$946	5.50%
Tupelo, MS (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,156	6.95%
TWIN FALLS, ID (FHA\|USDA\|VA)	1	$15,000	$15,000	$912	7.75%
ABILENE, TX (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,158	7.95%
Garden City, KS (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,147	7.25%
Lewisburg, TN (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,198	8.75%
ASHEVILLE, NC (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,116	5.75%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,154	4.25%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,054	9.25%
GREENVILLE, NC (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,200	4.25%
FLAGSTAFF, AZ (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,220	5.75%
Findlay, OH (FHA\|USDA\|VA)	1	$15,000	$15,000	$912	6.95%
Ogdensburg-Massena, NY (FHA\|USDA\|VA)	1	$15,000	$15,000	$507	3.75%
Mount Pleasant, TX (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,200	9.75%
Elkins, WV (FHA\|USDA\|VA)	1	$15,000	$15,000	$946	7.75%
Mount Vernon, OH (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,134	8.25%
WILLIAMSPORT, PA (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,062	8.25%
Pottsville, PA (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,136	6.75%
Searcy, AR (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,181	6.25%
Dodge City, KS (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,284	7.25%
HANFORD-CORCORAN, CA (FHA\|USDA\|VA)	1	$15,000	$15,000	$507	4.25%
Taylorville, IL (FHA\|USDA\|VA)	1	$15,000	$15,000	$930	8.75%
Dayton, TN (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,258	7.25%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	1	$15,000	$15,000	$868	6.95%
LEWISTON-AUBURN, ME (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,002	4.25%
Marietta, OH (FHA\|USDA\|VA)	1	$15,000	$15,000	$507	4.25%
RENO, NV (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,134	5.95%
Washington, IN (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,053	7.25%
ALBANY-LEBANON, OR (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,159	5.75%
GRAND ISLAND, NE (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,056	6.25%
Salina, KS (FHA\|USDA\|VA)	1	$15,000	$15,000	$979	8.75%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,284	8.75%
London, KY (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,160	7.25%
Camden, AR (FHA\|USDA\|VA)	1	$15,000	$15,000	$954	5.25%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	1	$15,000	$15,000	$1,047	6.75%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	1	$15,000	$15,000	$507	4.25%
AMES, IA (FHA\|USDA\|VA)	1	$5,000	$5,000	$865	4.25%
WHEELING, WV-OH (FHA\|USDA\|VA)	1	$5,000	$5,000	$907	7.75%
Paragould, AR (FHA\|USDA\|VA)	1	$5,000	$5,000	$890	5.75%

Home Loan Investment Bank F.s.b.'s top markets include Providence, Boston, Worcester, Manchester, and New York among others.

Their top states include:

Rhode Island (FHA|USDA|VA)

Massachusetts (FHA|USDA|VA)

New Hampshire (FHA|USDA|VA)

Indiana (FHA|USDA|VA)

California (FHA|USDA|VA)

Similar Lenders

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

Westport Federal Credit Union
Similarity Rank: 23

Notre Dame Community Federal Credit Union
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N C P D Federal Credit Union
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PAWTUCKET
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Bogota Savings Bank
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Bank of Easton
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Union County Savings Bank
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GARDEN SAVINGS FEDERAL CREDIT UNION
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Charter Oak Federal Credit Union
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SOMERSET
Similarity Rank: 99

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
FHA	1,245	$54,555,000	$43,819	$1,937	6.55%
Conventional	348	$90,650,000	$260,489	$3,736	4.73%
VA	17	$6,185,000	$363,824	$8,408	4.67%
USDA	1	$175,000	$175,000	$4,675	4.75%

For 2018, Home Loan Investment Bank F.s.b.'s most frequently originated type of loan was FHA, with 1,245 originations. Their 2nd most popular type was Conventional, with 348 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Improvement	1,124	$24,100,000	$21,441	$1,290	6.73%
Home Purchase	400	$108,360,000	$270,900	$5,100	4.76%
Cash Out Refi	49	$11,485,000	$234,388	$4,611	4.78%
Refi	38	$7,620,000	$200,526	$3,756	4.62%

For 2018, Home Loan Investment Bank F.s.b.'s most frequently cited loan purpose was Home Improvement, with 1,124 originations. The 2nd most popular reason was Home Purchase, with 400 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
20 Year	543	$14,505,000	$26,713	$1,416	7.39%
30 Year	452	$119,740,000	$264,912	$5,024	4.79%
15 Year	272	$10,560,000	$38,824	$1,523	6.48%
10 Year	135	$2,815,000	$20,852	$1,258	6.71%
Other	113	$2,225,000	$19,690	$1,140	5.24%
5 Year	78	$1,390,000	$17,821	$1,119	4.81%
3 Year	18	$330,000	$18,333	$1,047	4.04%

For 2018, Home Loan Investment Bank F.s.b.'s most frequently cited loan duration was 20 Year, with 543 originations. The 2nd most popular length was 30 Year, with 452 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	1,029	$127,615,000	$124,018
$<1k	533	$10,155,000	$19,053
$2k-3k	31	$7,995,000	$257,903
$3k-4k	11	$2,975,000	$270,455
$5k+	4	$1,570,000	$392,500
$4k-5k	3	$1,255,000	$418,333

Home Loan Investment Bank F.s.b.'s average total fees were $5,024, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,029 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	484	$93,550,000	$193,285
5-6%	322	$32,000,000	$99,379
6-7%	291	$6,425,000	$22,079
Over 8%	269	$5,945,000	$22,100
7-8%	174	$3,810,000	$21,897
3-4%	71	$9,835,000	$138,521

During 2018, Home Loan Investment Bank F.s.b.'s average interest rate for loans was 4.79%, while their most frequently originated rate bucket for loans was 4-5%, with 484 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100,000 or less	1,141	$25,405,000	$22,266	$1,328	6.70%
$200k-400k	274	$76,860,000	$280,511	$5,291	4.79%
$100k-200k	142	$23,110,000	$162,746	$3,962	4.75%
$400k-600k	46	$20,720,000	$450,435	$5,637	4.66%
$600k-1MM	8	$5,470,000	$683,750	$9,050	4.30%

2018 saw Home Loan Investment Bank F.s.b. place emphasis on $100,000 or less loans with 1,141 originations, totaling $25,405,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	408	$42,320,000	$103,725	$2,347	5.91%
$50k-75k	403	$34,335,000	$85,199	$2,431	6.33%
$75k-100k	392	$34,350,000	$87,628	$2,426	6.21%
$150k-250k	201	$22,865,000	$113,756	$2,408	5.89%
$50k or less	180	$11,660,000	$64,778	$2,300	6.49%
$250k+	27	$6,035,000	$223,519	$2,679	5.07%

Home Loan Investment Bank F.s.b. lent most frequently to those with incomes in the $100k-150k range, with 408 originations. The second most popular income band? $50k-75k, with 403 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	347	$25,305,000	$72,925	$1,820	5.79%
30-36%	319	$21,225,000	$66,536	$1,989	6.45%
44%	142	$10,260,000	$72,254	$2,030	6.88%
42%	97	$8,755,000	$90,258	$2,392	6.54%
43%	94	$6,810,000	$72,447	$2,411	6.62%
36%	79	$5,825,000	$73,734	$2,029	6.59%
<20%	77	$4,535,000	$58,896	$1,546	5.45%
41%	65	$7,005,000	$107,769	$2,430	6.23%
39%	65	$5,125,000	$78,846	$2,062	6.28%
38%	62	$5,000,000	$80,645	$2,128	6.34%
40%	59	$5,705,000	$96,695	$2,430	6.24%
37%	51	$6,905,000	$135,392	$2,711	6.29%
50-60%	41	$11,145,000	$271,829	$7,853	4.85%
49%	36	$8,770,000	$243,611	$4,368	4.78%
48%	21	$5,015,000	$238,810	$5,564	4.85%
46%	18	$4,450,000	$247,222	$4,906	4.88%
47%	17	$4,755,000	$279,706	$4,680	4.91%
45%	16	$3,830,000	$239,375	$4,748	4.94%
>60%	5	$1,145,000	$229,000	$4,237	4.73%

Home Loan Investment Bank F.s.b. lent most frequently to those with DTI ratios of 20-30%, with 347 originations. The next most common DTI ratio? 30-36%, with 319 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,395	$124,595,000	$89,315	$2,251	6.16%
Not provided	75	$13,485,000	$179,800	$4,242	5.09%
Black	107	$10,185,000	$95,187	$2,994	6.67%
Asian	26	$3,130,000	$120,385	$2,672	5.58%
American Indian	4	$90,000	$22,500	$1,387	8.30%
Korean	2	$50,000	$25,000	$1,436	4.75%
Native Hawaiian or Islander	2	$30,000	$15,000	$1,167	7.25%

Approval Rates

Total approvals of all applications
66.84%

Home Loan Investment Bank F.s.b. has a low approval rate. They may have poor market targeting or stringent lending standards.

Pick Rate

Approvals leading to origination
17.19%

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	1,611	$151,565,000	$94,081

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Single Family (1-4 Units):Site-Built	1,611	$151,565,000	$94,081

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	8	$1,450,000	$181,250	$3,864	4.30%
40-60%	30	$7,630,000	$254,333	$3,695	4.50%
60-80%	136	$34,960,000	$257,059	$4,082	4.76%
80-100%	307	$81,575,000	$265,717	$5,364	4.79%
Over 100%	5	$1,775,000	$355,000	$12,520	4.65%
Under 20%	1	$75,000	$75,000	$2,544	4.50%

Complaints

Bank Name	Product	Issue	2018 CPFB Complaints	% of Total Issues
Home Loan Center, Inc.	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	9	64.3%
Home Loan Center, Inc.	Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	1	7.1%
Home Loan Center, Inc.	Home equity loan or line of credit (HELOC)	Problem with a credit reporting company's investigation into an existing problem	1	7.1%
Home Loan Center, Inc.	Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	2	14.3%
Home Loan Center, Inc.	Other type of mortgage	Closing on a mortgage	1	7.1%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Home Loan Investment Bank, F.S.B.	1 Home Loan Plaza, Suite 3 Warwick, RI 2886	Full Service B&M	$0
Home Loan Investment Bank, F.S.B.	244 Weybosset Street Providence, RI 2903	Full Service B&M	$40,972
Home Loan Investment Bank, F.S.B.	40 Airport Road Warwick, RI 2889	Full Service B&M	$192,648

For 2018, Home Loan Investment Bank F.s.b. had 3 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$17,997
Net interest income	$13,345
Total noninterest income	$6,052
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$4
Trading account gains and fees	$0
Additional Noninterest Income	$6,048
Pre-tax net operating income	$2,711
Securities gains (or losses, -)	$0
Income before extraordinary items	$2,711
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$2,711
Minority interest net income	$0
Net income	$2,711
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$2,711

Home Loan Investment Bank F.s.b.'s gross interest income from loans was $17,997,000.
Home Loan Investment Bank F.s.b.'s net interest income from loans was $13,345,000.
Home Loan Investment Bank F.s.b.'s fee based income from loans was $4,000.
Home Loan Investment Bank F.s.b.'s net income from loans was $2,711,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$4,652
Provision for credit losses	$1,330
Total noninterest expense	$15,356
Salaries and employee benefits	$7,794
Premises and equipment expense	$799
Additional noninterest expense	$6,763
Applicable income taxes	$0
Net charge-offs	$879
Cash dividends	$0

Home Loan Investment Bank F.s.b.'s interest expense for loans was $4,652,000.
Home Loan Investment Bank F.s.b.'s payroll and benefits expense were $7,794,000.
Home Loan Investment Bank F.s.b.'s property, plant and equipment expenses $799,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	1.0%
Real Estate loans	1.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	6.0%
1-4 family residential loans	1.0%
HELOC loans	0.0%
All other family	1.0%
Commercial & industrial loans	0.0%
Personal loans	1.0%
Credit card loans	0.0%
Other individual loans	1.0%
Auto loans	1.0%
Other consumer loans	1.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$253,435
Deposits held in domestic offices	$253,435
Deposits by Individuals, partnerships, and corporations	$208,834
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$0
Deposits by Commercial banks and other depository institutions in U.S.	$44,601
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$15,536
Demand deposits	$15,536
Nontransaction accounts	$237,899
Money market deposit accounts (MMDAs)	$113
Other savings deposits (excluding MMDAs)	$50,934
Total time deposits	$186,852
Total time and savings deposits	$237,899
Noninterest-bearing deposits	$11,558
Interest-bearing deposits	$241,877
Retail deposits	$235,569
IRAs and Keogh plan accounts	$28,400
Brokered deposits	$0
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$302,006
Cash & Balances due from depository institutions	$21,720
Interest-bearing balances	$21,317
Total securities	$1,664
Federal funds sold & reverse repurchase	$0
Net loans and leases	$266,073
Loan and leases loss allowance	$3,905
Trading account assets	$0
Bank premises and fixed assets	$3,588
Other real estate owned	$218
Goodwill and other intangibles	$1,400
All other assets	$7,343

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$302,006
Total Liabilities	$273,671
Total deposits	$253,435
Interest-bearing deposits	$241,877
Deposits held in domestic offices	$253,435
% insured (estimated)	$94
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$18,000
Subordinated debt	$0
All other liabilities	$2,236

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$266,073
Loan and leases loss allowance	$3,905
Total loans and leases (domestic)	$269,978
All real estate loans	$186,187
Real estate loans in domestic offices	$186,187
Construction and development loans	$0
Residential 1-4 family construction	$0
Other construction, all land development and other land	$0
Loans secured by nonfarm nonresidential properties	$35,571
Nonfarm nonresidential secured by owner-occupied properties	$27,540
Commercial real estate & other non-farm, non-residential	$8,031
Multifamily residential real estate	$460
1-4 family residential loans	$150,156
Farmland loans	$0
Loans held in foreign offices	$0
Farm loans	$407
Commercial and industrial loans	$144
To non-U.S. addressees	$0
Loans to individuals	$83,240
Credit card loans	$0
Related Plans	$0
Consumer Auto Loans	$55,995
Other loans to individuals	$27,245
All other loans & leases	$0
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	$10,877
Non 1-4 family restructured loans & leases	$1,209
Total loans and leases (foreign)	$0

Home Loan Investment Bank F.S.B. had $266,073,000 of loans outstanding in 2018. $186,187,000 of loans were in real estate loans. $0 of loans were in development loans. $460,000 of loans were in multifamily mortgage loans. $150,156,000 of loans were in 1-4 family mortgage loans. $407,000 of loans were in farm loans. $0 of loans were in credit card loans. $55,995,000 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	162	$35,571	$219,574
Nonfarm, nonresidential loans - <$100k	6	$69	$11,500
Nonfarm, nonresidential loans - $100-250k	29	$1,532	$52,828
Nonfarm, nonresidential loans - $250k-1MM	127	$33,970	$267,480
Commercial & Industrial, US addressed loans - <$1MM	4	$144	$36,000
Commercial & Industrial, US addressed loans - <$100k	1	$3	$3,000
Commercial & Industrial, US addressed loans - $100-250k	2	$42	$21,000
Commercial & Industrial, US addressed loans - $250k-1MM	1	$99	$99,000
Agriculture operations loans - <$1MM	1	$407	$407,000
Agriculture operations loans - $250k-1MM	1	$407	$407,000