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 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%	12/3/24
30 Year Conventional Refi	6.79%	12/3/24
30 Year Cash-out Refi	6.99%	12/3/24
30 Year FHA Purchase	7.25%	12/3/24
30 Year FHA Refi	7.21%	12/3/24
30 Year VA Purchase	6.17%	12/3/24
15 Year Conventional Purchase	6.36%	12/3/24
15 Year Conventional Refi	6.10%	12/3/24
15 Year Cash-out Refi	6.10%	12/3/24
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

1,862

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

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.

SOMERSET
Similarity Rank: 26

N C P D Federal Credit Union
Similarity Rank: 56

SOUTHBRIDGE CREDIT UNION
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Schuyler Savings Bank
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Rhode Island Credit Union
Similarity Rank: 116

Piscataqua Savings Bank
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First Ipswich Bank
Similarity Rank: 139

Union County Savings Bank
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LEOMINSTER CREDIT UNION
Similarity Rank: 180

GARDEN SAVINGS FEDERAL CREDIT UNION
Similarity Rank: 192

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