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

Warwick, RI

LEI: 549300LLQD0X2OTG0Y27

Tax ID: 05-0283864

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Mortgage Data

Bank Data

Review & Overview

Home Loan Investment Bank F.s.b. is a smaller bank specializing in Home Purchase and Refi loans. They have an average 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, Manchester, Worcester, and New York among others. We have data for 304 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 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.

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 6.70% 3/28/24
30 Year Conventional Refi 6.79% 3/28/24
30 Year Cash-out Refi 6.99% 3/28/24
30 Year FHA Purchase 7.25% 3/28/24
30 Year FHA Refi 7.21% 3/28/24
30 Year VA Purchase 6.17% 3/28/24
15 Year Conventional Purchase 6.36% 3/28/24
15 Year Conventional Refi 6.10% 3/28/24
15 Year Cash-out Refi 6.10% 3/28/24
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






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

1,862

Origination Dollar Volume (All Markets)

$236,090,000

Employee count

131

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) 501 $118,405,000 $236,337 $4,168 4.60%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 190 $56,390,000 $296,789 $4,694 4.46%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 31 $7,735,000 $249,516 $3,722 4.37%
WORCESTER, MA-CT (FHA|USDA|VA) 30 $6,260,000 $208,667 $4,181 4.63%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 31 $4,495,000 $145,000 $2,839 6.14%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 9 $3,385,000 $376,111 $4,263 4.08%
Outside of Metro Areas 100 $2,570,000 $25,700 $1,380 7.00%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 59 $1,545,000 $26,186 $1,354 6.43%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 5 $1,435,000 $287,000 $3,280 3.97%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 5 $1,415,000 $283,000 $3,335 5.24%
Concord, NH (FHA|USDA|VA) 6 $1,330,000 $221,667 $2,921 4.53%
SPRINGFIELD, MA (FHA|USDA|VA) 14 $1,150,000 $82,143 $2,404 6.43%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $1,140,000 $570,000 $6,639 4.38%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 25 $1,065,000 $42,600 $1,640 6.23%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 24 $1,020,000 $42,500 $1,596 6.41%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 11 $955,000 $86,818 $2,454 6.24%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 5 $935,000 $187,000 $2,917 6.10%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 8 $860,000 $107,500 $2,984 6.14%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $775,000 $258,333 $4,747 4.04%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 35 $755,000 $21,571 $1,306 6.37%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 17 $725,000 $42,647 $1,457 6.93%
TULSA, OK (FHA|USDA|VA) 26 $590,000 $22,692 $1,324 6.35%
OCEAN CITY, NJ (FHA|USDA|VA) 3 $535,000 $178,333 $2,940 5.33%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $510,000 $255,000 $3,105 5.06%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $485,000 $485,000 $4,327 3.75%
WILMINGTON, NC (FHA|USDA|VA) 1 $455,000 $455,000 $4,959 3.50%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $385,000 $385,000 $5,404 3.38%
LAFAYETTE, LA (FHA|USDA|VA) 16 $380,000 $23,750 $1,446 6.65%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $360,000 $180,000 $3,524 4.13%
Laconia, NH (FHA|USDA|VA) 2 $350,000 $175,000 $3,251 4.06%
SALISBURY, MD-DE (FHA|USDA|VA) 15 $345,000 $23,000 $1,290 7.06%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $340,000 $85,000 $1,471 6.13%
KANSAS CITY, MO-KS (FHA|USDA|VA) 18 $340,000 $18,889 $1,190 6.79%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 16 $340,000 $21,250 $1,259 7.09%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $325,000 $108,333 $4,051 6.53%
Eureka-Arcata, CA (FHA|USDA|VA) 14 $320,000 $22,857 $1,326 6.71%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 13 $315,000 $24,231 $1,409 6.85%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 13 $305,000 $23,462 $1,445 7.17%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 3 $295,000 $98,333 $3,896 5.29%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 13 $295,000 $22,692 $1,429 7.23%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $290,000 $145,000 $2,611 5.00%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 3 $275,000 $91,667 $1,819 5.47%
ST. LOUIS, MO-IL (FHA|USDA|VA) 11 $265,000 $24,091 $1,193 6.28%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $260,000 $65,000 $1,745 5.38%
WICHITA, KS (FHA|USDA|VA) 13 $255,000 $19,615 $1,324 7.00%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 11 $255,000 $23,182 $1,318 7.10%
COLUMBUS, OH (FHA|USDA|VA) 10 $230,000 $23,000 $1,371 7.22%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $230,000 $115,000 $2,440 7.31%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 11 $225,000 $20,455 $1,254 7.06%
DOVER, DE (FHA|USDA|VA) 9 $215,000 $23,889 $1,453 7.37%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 10 $210,000 $21,000 $1,363 7.06%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $210,000 $105,000 $2,389 5.81%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 9 $205,000 $22,778 $1,410 7.34%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $200,000 $100,000 $2,211 4.79%
St. Marys, GA (FHA|USDA|VA) 1 $185,000 $185,000 $6,367 4.25%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $175,000 $175,000 $7,636 3.75%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 3 $165,000 $55,000 $1,994 5.26%
RALEIGH-CARY, NC (FHA|USDA|VA) 7 $165,000 $23,571 $1,291 6.86%
PITTSBURGH, PA (FHA|USDA|VA) 7 $155,000 $22,143 $1,419 6.88%
Lebanon, NH-VT (FHA|USDA|VA) 1 $145,000 $145,000 $3,242 4.63%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 7 $145,000 $20,714 $1,307 6.41%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 7 $145,000 $20,714 $1,186 6.27%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 6 $140,000 $23,333 $1,323 6.48%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 6 $130,000 $21,667 $1,388 8.07%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $125,000 $125,000 $3,348 3.88%
TOLEDO, OH (FHA|USDA|VA) 5 $125,000 $25,000 $1,485 7.65%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 5 $125,000 $25,000 $1,476 6.23%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 5 $115,000 $23,000 $1,383 6.67%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 5 $115,000 $23,000 $1,207 7.99%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 5 $115,000 $23,000 $1,456 6.65%
LIMA, OH (FHA|USDA|VA) 5 $115,000 $23,000 $1,158 6.57%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $115,000 $23,000 $1,397 8.37%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 6 $100,000 $16,667 $996 6.23%
Ellensburg, WA (FHA|USDA|VA) 4 $100,000 $25,000 $1,521 7.13%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 4 $100,000 $25,000 $1,262 6.66%
Charleston-Mattoon, IL (FHA|USDA|VA) 4 $100,000 $25,000 $1,267 5.59%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $100,000 $25,000 $1,517 8.21%
Centralia, IL (FHA|USDA|VA) 4 $100,000 $25,000 $1,475 6.24%
BATON ROUGE, LA (FHA|USDA|VA) 4 $100,000 $25,000 $1,267 7.36%
MADISON, WI (FHA|USDA|VA) 4 $90,000 $22,500 $1,383 6.61%
Wapakoneta, OH (FHA|USDA|VA) 4 $90,000 $22,500 $1,398 7.91%
LINCOLN, NE (FHA|USDA|VA) 4 $90,000 $22,500 $1,405 7.59%
FOND DU LAC, WI (FHA|USDA|VA) 4 $90,000 $22,500 $1,350 6.80%
RICHMOND, VA (FHA|USDA|VA) 4 $90,000 $22,500 $1,138 6.73%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $90,000 $22,500 $1,357 7.86%
STOCKTON, CA (FHA|USDA|VA) 4 $90,000 $22,500 $1,430 8.09%
NILES, MI (FHA|USDA|VA) 5 $85,000 $17,000 $1,212 7.72%
PEORIA, IL (FHA|USDA|VA) 5 $85,000 $17,000 $1,253 7.88%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 4 $80,000 $20,000 $1,126 6.38%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $80,000 $20,000 $1,341 7.16%
Beaver Dam, WI (FHA|USDA|VA) 4 $80,000 $20,000 $1,035 6.59%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 4 $80,000 $20,000 $1,244 6.23%
BAKERSFIELD, CA (FHA|USDA|VA) 3 $75,000 $25,000 $1,517 6.98%
LOUISVILLE, KY (FHA|USDA|VA) 3 $75,000 $25,000 $1,170 7.22%
LAKE CHARLES, LA (FHA|USDA|VA) 3 $75,000 $25,000 $1,510 5.67%
READING, PA (FHA|USDA|VA) 3 $75,000 $25,000 $1,522 6.32%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $75,000 $25,000 $1,517 5.98%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $75,000 $25,000 $1,517 8.13%
FORT WAYNE, IN (FHA|USDA|VA) 3 $75,000 $25,000 $1,513 7.72%
MORGANTOWN, WV (FHA|USDA|VA) 3 $75,000 $25,000 $1,517 7.32%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $75,000 $25,000 $1,517 6.98%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $70,000 $17,500 $1,211 6.80%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $70,000 $17,500 $1,190 6.80%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 4 $70,000 $17,500 $1,270 7.23%
Ottawa, KS (FHA|USDA|VA) 3 $65,000 $21,667 $1,390 6.65%
Wilson, NC (FHA|USDA|VA) 3 $65,000 $21,667 $1,400 7.23%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 3 $65,000 $21,667 $1,407 6.47%
RACINE, WI (FHA|USDA|VA) 3 $65,000 $21,667 $1,394 6.23%
JACKSON, TN (FHA|USDA|VA) 3 $65,000 $21,667 $1,047 6.28%
Elko, NV (FHA|USDA|VA) 3 $65,000 $21,667 $1,079 5.80%
GREEN BAY, WI (FHA|USDA|VA) 3 $65,000 $21,667 $1,364 8.63%
TERRE HAUTE, IN (FHA|USDA|VA) 3 $65,000 $21,667 $1,319 7.23%
Sanford, NC (FHA|USDA|VA) 3 $65,000 $21,667 $1,362 6.98%
MODESTO, CA (FHA|USDA|VA) 4 $60,000 $15,000 $989 6.85%
Garden City, KS (FHA|USDA|VA) 3 $55,000 $18,333 $1,297 7.80%
Guymon, OK (FHA|USDA|VA) 2 $50,000 $25,000 $1,425 7.70%
AMARILLO, TX (FHA|USDA|VA) 2 $50,000 $25,000 $1,497 7.38%
ASHEVILLE, NC (FHA|USDA|VA) 2 $50,000 $25,000 $1,517 7.98%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $50,000 $25,000 $998 7.20%
Bellefontaine, OH (FHA|USDA|VA) 2 $50,000 $25,000 $1,506 7.73%
CHARLESTON, WV (FHA|USDA|VA) 2 $50,000 $25,000 $1,517 7.38%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $50,000 $25,000 $1,517 6.50%
CHICO, CA (FHA|USDA|VA) 2 $50,000 $25,000 $1,511 8.10%
COLUMBIA, SC (FHA|USDA|VA) 2 $50,000 $25,000 $1,434 7.85%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $50,000 $25,000 $1,439 6.88%
DeRidder, LA (FHA|USDA|VA) 2 $50,000 $25,000 $1,433 8.95%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $50,000 $25,000 $1,517 6.88%
Fairmont, WV (FHA|USDA|VA) 2 $50,000 $25,000 $1,017 6.23%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 4 $50,000 $12,500 $1,055 6.84%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $50,000 $25,000 $1,517 7.73%
Fremont, OH (FHA|USDA|VA) 2 $50,000 $25,000 $1,517 7.00%
Moses Lake, WA (FHA|USDA|VA) 2 $50,000 $25,000 $1,517 6.25%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $50,000 $25,000 $1,517 5.50%
RENO, NV (FHA|USDA|VA) 2 $50,000 $25,000 $1,017 5.95%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $50,000 $25,000 $1,517 5.23%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $50,000 $25,000 $1,517 7.00%
Paris, TN (FHA|USDA|VA) 2 $50,000 $25,000 $1,517 6.38%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $50,000 $25,000 $1,517 7.88%
Ottawa, IL (FHA|USDA|VA) 2 $50,000 $25,000 $1,451 7.23%
McPherson, KS (FHA|USDA|VA) 2 $50,000 $25,000 $1,517 8.73%
Dodge City, KS (FHA|USDA|VA) 3 $45,000 $15,000 $1,020 8.28%
TUCSON, AZ (FHA|USDA|VA) 3 $45,000 $15,000 $1,056 7.13%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 3 $45,000 $15,000 $1,133 7.42%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $40,000 $20,000 $1,292 6.88%
GREENVILLE, NC (FHA|USDA|VA) 2 $40,000 $20,000 $1,279 7.45%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $40,000 $20,000 $1,252 7.23%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $40,000 $20,000 $1,371 7.23%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $40,000 $20,000 $1,240 7.23%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $40,000 $20,000 $1,355 6.23%
SHEBOYGAN, WI (FHA|USDA|VA) 2 $40,000 $20,000 $1,231 5.73%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $40,000 $20,000 $1,017 5.73%
Morgan City, LA (FHA|USDA|VA) 2 $40,000 $20,000 $1,247 6.73%
Sterling, IL (FHA|USDA|VA) 2 $40,000 $20,000 $1,323 7.95%
CUMBERLAND, MD-WV (FHA|USDA|VA) 2 $40,000 $20,000 $825 7.45%
Warsaw, IN (FHA|USDA|VA) 2 $40,000 $20,000 $811 5.45%
Whitewater, WI (FHA|USDA|VA) 2 $40,000 $20,000 $1,403 8.50%
Ardmore, OK (FHA|USDA|VA) 2 $40,000 $20,000 $1,404 8.23%
YUMA, AZ (FHA|USDA|VA) 2 $40,000 $20,000 $1,017 5.88%
Payson, AZ (FHA|USDA|VA) 2 $40,000 $20,000 $1,267 8.00%
PINE BLUFF, AR (FHA|USDA|VA) 2 $40,000 $20,000 $1,316 6.50%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 2 $40,000 $20,000 $782 4.73%
EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $30,000 $15,000 $1,078 9.45%
AMES, IA (FHA|USDA|VA) 2 $30,000 $15,000 $1,053 6.73%
Findlay, OH (FHA|USDA|VA) 2 $30,000 $15,000 $1,205 6.73%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $30,000 $15,000 $1,290 7.73%
ROANOKE, VA (FHA|USDA|VA) 2 $30,000 $15,000 $968 6.50%
Jefferson, GA (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.50%
ENID, OK (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.50%
Show Low, AZ (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 7.50%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $25,000 $25,000 $517 4.25%
Sidney, OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 7.50%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 5.95%
Spirit Lake, IA (FHA|USDA|VA) 1 $25,000 $25,000 $1,532 8.95%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.95%
Easton, MD (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 7.50%
ST. CLOUD, MN (FHA|USDA|VA) 1 $25,000 $25,000 $1,376 8.95%
Defiance, OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.50%
Stillwater, OK (FHA|USDA|VA) 1 $25,000 $25,000 $1,324 8.95%
Decatur, IN (FHA|USDA|VA) 1 $25,000 $25,000 $1,416 6.95%
DECATUR, IL (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.50%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 8.95%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 9.45%
SUMTER, SC (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 9.95%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $25,000 $25,000 $517 3.95%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 8.50%
Coffeyville, KS (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.50%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 8.95%
TOPEKA, KS (FHA|USDA|VA) 1 $25,000 $25,000 $1,414 5.95%
Torrington, CT (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.50%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.25%
VALLEJO, CA (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 9.95%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.25%
VISALIA, CA (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 8.50%
WALLA WALLA, WA (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 4.50%
BURLINGTON, NC (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 7.50%
Burlington, IA-IL (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 5.95%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 9.95%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $25,000 $25,000 $1,390 6.25%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.50%
WENATCHEE, WA (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.50%
Borger, TX (FHA|USDA|VA) 1 $25,000 $25,000 $1,339 7.50%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 8.95%
Bogalusa, LA (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.50%
BECKLEY, WV (FHA|USDA|VA) 1 $25,000 $25,000 $517 4.95%
BAY CITY, MI (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.50%
Winfield, KS (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 9.95%
Winnemucca, NV (FHA|USDA|VA) 1 $25,000 $25,000 $1,498 9.00%
Austin, MN (FHA|USDA|VA) 1 $25,000 $25,000 $1,471 9.95%
YAKIMA, WA (FHA|USDA|VA) 1 $25,000 $25,000 $1,377 7.25%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.25%
Athens, TN (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 8.95%
Montrose, CO (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.50%
MUNCIE, IN (FHA|USDA|VA) 1 $25,000 $25,000 $1,374 6.25%
Miami, OK (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.50%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 4.50%
Natchitoches, LA (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 7.95%
NEW BERN, NC (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.50%
Mayfield, KY (FHA|USDA|VA) 1 $25,000 $25,000 $1,499 7.50%
Marietta, OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 5.95%
North Platte, NE (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 7.50%
Norwalk, OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 4.95%
MADERA, CA (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.25%
Outside of Metro Areas 1 $25,000 $25,000 $1,517 5.95%
Logansport, IN (FHA|USDA|VA) 1 $25,000 $25,000 $1,328 9.45%
Lewisburg, TN (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 7.25%
Othello, WA (FHA|USDA|VA) 1 $25,000 $25,000 $517 4.95%
LAWRENCE, KS (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 7.50%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $25,000 $25,000 $517 4.95%
Owatonna, MN (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 7.95%
LANCASTER, PA (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 8.95%
Kirksville, MO (FHA|USDA|VA) 1 $25,000 $25,000 $517 4.95%
KANKAKEE, IL (FHA|USDA|VA) 1 $25,000 $25,000 $1,416 6.50%
Jennings, LA (FHA|USDA|VA) 1 $25,000 $25,000 $1,380 7.95%
MONROE, MI (FHA|USDA|VA) 1 $25,000 $25,000 $1,373 4.95%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 7.50%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 5.95%
Pittsburg, KS (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.95%
Plymouth, IN (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 4.95%
Jackson, OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,357 6.50%
Indiana, PA (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 8.95%
Portsmouth, OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 9.45%
Hutchinson, KS (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 8.95%
Pottsville, PA (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 5.95%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $25,000 $25,000 $517 4.95%
RAPID CITY, SD (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.50%
Hastings, NE (FHA|USDA|VA) 1 $25,000 $25,000 $517 4.95%
Red Bluff, CA (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 8.95%
REDDING, CA (FHA|USDA|VA) 1 $25,000 $25,000 $1,378 5.95%
HAMMOND, LA (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 3.95%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $25,000 $25,000 $1,430 6.50%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.50%
Alexander City, AL (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 6.95%
GETTYSBURG, PA (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 7.50%
Galesburg, IL (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 5.95%
Frankfort, IN (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 10.45%
FLINT, MI (FHA|USDA|VA) 1 $25,000 $25,000 $1,477 8.95%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $25,000 $25,000 $517 4.95%
FARGO, ND-MN (FHA|USDA|VA) 1 $25,000 $25,000 $517 4.25%
Albemarle, NC (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 7.95%
ROCHESTER, NY (FHA|USDA|VA) 2 $20,000 $10,000 $964 6.45%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 2 $20,000 $10,000 $1,038 7.73%
PUEBLO, CO (FHA|USDA|VA) 1 $15,000 $15,000 $1,250 4.95%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $15,000 $15,000 $955 5.95%
MEDFORD, OR (FHA|USDA|VA) 1 $15,000 $15,000 $517 4.25%
Helena-West Helena, AR (FHA|USDA|VA) 1 $15,000 $15,000 $1,067 9.95%
Meadville, PA (FHA|USDA|VA) 1 $15,000 $15,000 $918 8.95%
Maysville, KY (FHA|USDA|VA) 1 $15,000 $15,000 $1,166 8.50%
BOISE CITY, ID (FHA|USDA|VA) 1 $15,000 $15,000 $1,065 6.25%
Elizabeth City, NC (FHA|USDA|VA) 1 $15,000 $15,000 $951 7.25%
Norfolk, NE (FHA|USDA|VA) 1 $15,000 $15,000 $1,172 7.50%
SPARTANBURG, SC (FHA|USDA|VA) 1 $15,000 $15,000 $1,144 4.50%
Manitowoc, WI (FHA|USDA|VA) 1 $15,000 $15,000 $517 3.95%
OCALA, FL (FHA|USDA|VA) 1 $15,000 $15,000 $1,109 5.95%
Taylorville, IL (FHA|USDA|VA) 1 $15,000 $15,000 $1,167 9.00%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $15,000 $15,000 $517 4.95%
LYNCHBURG, VA (FHA|USDA|VA) 1 $15,000 $15,000 $1,049 6.95%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $15,000 $15,000 $1,223 5.95%
Tiffin, OH (FHA|USDA|VA) 1 $15,000 $15,000 $1,294 6.50%
Opelousas, LA (FHA|USDA|VA) 1 $15,000 $15,000 $517 4.95%
DULUTH, MN-WI (FHA|USDA|VA) 1 $15,000 $15,000 $1,209 6.25%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $15,000 $15,000 $1,235 7.50%
Hobbs, NM (FHA|USDA|VA) 1 $15,000 $15,000 $1,059 7.50%
SYRACUSE, NY (FHA|USDA|VA) 1 $15,000 $15,000 $1,313 5.50%
MONROE, LA (FHA|USDA|VA) 1 $15,000 $15,000 $955 5.95%
ROCKFORD, IL (FHA|USDA|VA) 1 $15,000 $15,000 $1,307 7.50%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $15,000 $15,000 $1,292 7.25%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $15,000 $15,000 $982 8.95%
APPLETON, WI (FHA|USDA|VA) 1 $15,000 $15,000 $1,302 6.25%
West Plains, MO (FHA|USDA|VA) 1 $15,000 $15,000 $1,083 7.25%
Kearney, NE (FHA|USDA|VA) 1 $15,000 $15,000 $1,063 4.50%
Pella, IA (FHA|USDA|VA) 1 $15,000 $15,000 $958 4.95%
West Point, MS (FHA|USDA|VA) 1 $15,000 $15,000 $1,000 7.95%
Fort Polk South, LA (FHA|USDA|VA) 1 $15,000 $15,000 $1,214 9.95%
MONTGOMERY, AL (FHA|USDA|VA) 1 $15,000 $15,000 $948 6.95%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $15,000 $15,000 $962 6.95%
Scottsburg, IN (FHA|USDA|VA) 1 $15,000 $15,000 $1,285 6.25%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $15,000 $15,000 $1,293 7.95%
Tupelo, MS (FHA|USDA|VA) 1 $15,000 $15,000 $933 8.95%
Washington Court House, OH (FHA|USDA|VA) 1 $15,000 $15,000 $1,211 5.95%
Shawano, WI (FHA|USDA|VA) 1 $15,000 $15,000 $1,264 7.50%
Vincennes, IN (FHA|USDA|VA) 1 $15,000 $15,000 $1,269 8.95%
Susanville, CA (FHA|USDA|VA) 1 $15,000 $15,000 $1,169 7.95%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $5,000 $5,000 $892 6.95%
Jasper, IN (FHA|USDA|VA) 1 $5,000 $5,000 $916 7.50%
Home Loan Investment Bank F.s.b.'s top markets include Providence, Boston, Manchester, Worcester, and New York among others.

Their top states include:
  • Rhode Island (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • New Hampshire (FHA|USDA|VA)
  • Connecticut (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Similar Lenders

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    FHA 1,263 $62,035,000 $49,117 $2,074 6.66%
    Conventional 566 $162,590,000 $287,261 $3,792 4.13%
    VA 31 $11,025,000 $355,645 $5,538 3.98%
    USDA 2 $440,000 $220,000 $6,002 4.88%

    For 2019, Home Loan Investment Bank F.s.b.'s most frequently originated type of loan was FHA, with 1,263 originations. Their 2nd most popular type was Conventional, with 566 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 1,129 $24,815,000 $21,980 $1,318 6.95%
    Home Purchase 450 $129,370,000 $287,489 $5,103 4.23%
    Refi 173 $52,535,000 $303,671 $4,020 3.84%
    Cash Out Refi 110 $29,370,000 $267,000 $4,276 4.26%

    For 2019, Home Loan Investment Bank F.s.b.'s most frequently cited loan purpose was Home Improvement, with 1,129 originations. The 2nd most popular reason was Home Purchase, with 450 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 668 $193,820,000 $290,150 $4,833 4.18%
    20 Year 587 $18,515,000 $31,542 $1,469 7.40%
    15 Year 228 $13,440,000 $58,947 $1,669 6.66%
    10 Year 176 $3,760,000 $21,364 $1,270 6.68%
    Other 112 $4,930,000 $44,018 $1,355 5.34%
    5 Year 76 $1,380,000 $18,158 $1,125 5.05%
    3 Year 15 $245,000 $16,333 $1,183 4.28%

    For 2019, Home Loan Investment Bank F.s.b.'s most frequently cited loan duration was 30 Year, with 668 originations. The 2nd most popular length was 20 Year, with 587 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,279 $198,975,000 $155,571
    $<1k 497 $10,955,000 $22,042
    $2k-3k 49 $12,915,000 $263,571
    $3k-4k 22 $6,600,000 $300,000
    $4k-5k 9 $3,495,000 $388,333
    $5k+ 6 $3,150,000 $525,000

    Home Loan Investment Bank F.s.b.'s average total fees were $4,833, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,279 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 482 $94,620,000 $196,307
    3-4% 390 $109,260,000 $280,154
    6-7% 332 $7,570,000 $22,801
    Over 8% 269 $6,005,000 $22,323
    7-8% 218 $4,920,000 $22,569
    5-6% 170 $13,530,000 $79,588
    2.5-3% 1 $185,000 $185,000

    During 2019, Home Loan Investment Bank F.s.b.'s average interest rate for loans was 4.18%, while their most frequently originated rate bucket for loans was 4-5%, with 482 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,137 $25,465,000 $22,397 $1,336 6.93%
    $200k-400k 440 $125,370,000 $284,932 $4,724 4.07%
    $100k-200k 164 $27,310,000 $166,524 $3,971 4.31%
    $400k-600k 113 $52,285,000 $462,699 $5,665 4.10%
    $600k-1MM 8 $5,660,000 $707,500 $7,606 4.33%

    2019 saw Home Loan Investment Bank F.s.b. place emphasis on $100,000 or less loans with 1,137 originations, totaling $25,465,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 517 $64,475,000 $124,710 $2,564 5.96%
    $50k-75k 436 $45,440,000 $104,220 $2,746 5.94%
    $75k-100k 400 $43,380,000 $108,450 $2,491 5.95%
    $150k-250k 273 $48,015,000 $175,879 $2,625 5.50%
    $50k or less 160 $13,340,000 $83,375 $2,547 6.13%
    $250k+ 53 $12,835,000 $242,170 $3,012 4.91%

    Home Loan Investment Bank F.s.b. lent most frequently to those with incomes in the $100k-150k range, with 517 originations. The second most popular income band? $50k-75k, with 436 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 425 $48,355,000 $113,776 $2,126 5.59%
    30-36% 375 $40,825,000 $108,867 $2,305 6.07%
    44% 149 $13,425,000 $90,101 $2,170 6.73%
    43% 100 $8,230,000 $82,300 $2,213 6.42%
    38% 84 $8,910,000 $106,071 $2,273 6.18%
    41% 84 $9,940,000 $118,333 $2,595 6.11%
    37% 77 $9,155,000 $118,896 $2,495 6.12%
    36% 73 $6,555,000 $89,795 $2,137 6.46%
    <20% 73 $6,695,000 $91,712 $1,942 5.49%
    40% 72 $8,010,000 $111,250 $2,171 6.18%
    42% 71 $8,545,000 $120,352 $2,491 6.18%
    39% 70 $7,700,000 $110,000 $2,325 6.28%
    50-60% 56 $16,200,000 $289,286 $8,083 4.19%
    45% 34 $8,470,000 $249,118 $5,252 4.29%
    48% 26 $7,460,000 $286,923 $4,376 4.43%
    49% 25 $6,395,000 $255,800 $4,974 4.15%
    47% 21 $5,585,000 $265,952 $4,747 4.36%
    46% 21 $6,175,000 $294,048 $5,211 4.26%
    >60% 2 $630,000 $315,000 $5,937 5.31%

    Home Loan Investment Bank F.s.b. lent most frequently to those with DTI ratios of 20-30%, with 425 originations. The next most common DTI ratio? 30-36%, with 375 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,653 $209,705,000 $126,863 $2,637 5.81%
    Black 111 $11,135,000 $100,315 $2,733 6.58%
    Asian 44 $10,600,000 $240,909 $3,575 4.62%
    Not provided 41 $3,405,000 $83,049 $2,458 6.46%
    American Indian 10 $1,020,000 $102,000 $2,053 6.12%
    Native Hawaiian or Islander 3 $225,000 $75,000 $2,771 5.96%

    Approval Rates

    Total approvals of all applications
    71.14%

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

    Pick Rate

    Approvals leading to origination
    31.53%

    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 1,862 $236,090,000 $126,794

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 1,862 $236,090,000 $126,794

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 16 $3,590,000 $224,375 $3,771 4.18%
    40-60% 70 $18,450,000 $263,571 $3,746 3.92%
    60-80% 247 $70,715,000 $286,296 $3,917 4.20%
    80-100% 379 $111,485,000 $294,156 $5,416 4.16%
    Over 100% 4 $1,320,000 $330,000 $9,769 4.41%
    Under 20% 2 $280,000 $140,000 $3,492 4.44%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    Home Loan Center, Inc. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 3 42.9%
    Home Loan Center, Inc. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 28.6%
    Home Loan Center, Inc. Other type of mortgage Credit monitoring or identity theft protection services 1 14.3%
    Home Loan Center, Inc. VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 14.3%

    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 $45,199
    Home Loan Investment Bank, F.S.B. 40 Airport Road Warwick, RI 2889 Full Service B&M $229,624

    For 2019, Home Loan Investment Bank F.s.b. had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $21,072
    Net interest income $14,442
    Total noninterest income $7,985
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $3
    Trading account gains and fees $0
    Additional Noninterest Income $7,982
    Pre-tax net operating income $4,622
    Securities gains (or losses, -) $0
    Income before extraordinary items $4,622
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $4,622
    Minority interest net income $0
    Net income $4,622
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $4,622

    Home Loan Investment Bank F.s.b.'s gross interest income from loans was $21,072,000.
    Home Loan Investment Bank F.s.b.'s net interest income from loans was $14,442,000.
    Home Loan Investment Bank F.s.b.'s fee based income from loans was $3,000.
    Home Loan Investment Bank F.s.b.'s net income from loans was $4,622,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,630
    Provision for credit losses $2,435
    Total noninterest expense $15,370
    Salaries and employee benefits $7,316
    Premises and equipment expense $844
    Additional noninterest expense $7,210
    Applicable income taxes $0
    Net charge-offs $1,514
    Cash dividends $0

    Home Loan Investment Bank F.s.b.'s interest expense for loans was $6,630,000.
    Home Loan Investment Bank F.s.b.'s payroll and benefits expense were $7,316,000.
    Home Loan Investment Bank F.s.b.'s property, plant and equipment expenses $844,000.

    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 8.0%
    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 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $311,074
    Deposits held in domestic offices $311,074
    Deposits by Individuals, partnerships, and corporations $251,357
    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. $59,716
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $11,970
    Demand deposits $11,970
    Nontransaction accounts $299,103
    Money market deposit accounts (MMDAs) $74
    Other savings deposits (excluding MMDAs) $50,505
    Total time deposits $248,524
    Total time and savings deposits $299,103
    Noninterest-bearing deposits $7,129
    Interest-bearing deposits $303,945
    Retail deposits $269,923
    IRAs and Keogh plan accounts $28,336
    Brokered deposits $11,395
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $346,188
    Cash & Balances due from depository institutions $38,903
    Interest-bearing balances $38,743
    Total securities $1,340
    Federal funds sold & reverse repurchase $0
    Net loans and leases $292,424
    Loan and leases loss allowance $4,826
    Trading account assets $0
    Bank premises and fixed assets $4,709
    Other real estate owned $259
    Goodwill and other intangibles $2,063
    All other assets $6,490

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $346,188
    Total Liabilities $313,603
    Total deposits $311,074
    Interest-bearing deposits $303,945
    Deposits held in domestic offices $311,074
    % insured (estimated) $96
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $2,529

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $292,424
    Loan and leases loss allowance $4,826
    Total loans and leases (domestic) $297,250
    All real estate loans $188,659
    Real estate loans in domestic offices $188,659
    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 $44,078
    Nonfarm nonresidential secured by owner-occupied properties $39,186
    Commercial real estate & other non-farm, non-residential $4,892
    Multifamily residential real estate $450
    1-4 family residential loans $144,131
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $403
    Commercial and industrial loans $97
    To non-U.S. addressees $0
    Loans to individuals $108,091
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $76,388
    Other loans to individuals $31,703
    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 $9,517
    Non 1-4 family restructured loans & leases $1,098
    Total loans and leases (foreign) $0

    Home Loan Investment Bank F.S.B. had $292,424,000 of loans outstanding in 2019. $188,659,000 of loans were in real estate loans. $0 of loans were in development loans. $450,000 of loans were in multifamily mortgage loans. $144,131,000 of loans were in 1-4 family mortgage loans. $403,000 of loans were in farm loans. $0 of loans were in credit card loans. $76,388,000 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 152 $44,074 $289,961
    Nonfarm, nonresidential loans - <$100k 3 $49 $16,333
    Nonfarm, nonresidential loans - $100-250k 22 $1,116 $50,727
    Nonfarm, nonresidential loans - $250k-1MM 127 $42,909 $337,866
    Commercial & Industrial, US addressed loans - <$1MM 3 $96 $32,000
    Commercial & Industrial, US addressed loans - $100-250k 2 $24 $12,000
    Commercial & Industrial, US addressed loans - $250k-1MM 1 $72 $72,000
    Agriculture operations loans - <$1MM 1 $403 $403,000
    Agriculture operations loans - $250k-1MM 1 $403 $403,000