# Home Federal Bank of Tennessee

> **Canonical URL:** https://saferate.com/lenders/home-federal-bank-of-tennessee


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Home Federal Bank of Tennessee is a bank, headquartered in Knoxville, TN, serving borrowers across 2 states, with 368 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 62% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493001M37Q8TJKTP708
- **Headquarters:** Knoxville, TN
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** GA, TN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.364%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,820
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 368
- **Dollar Volume:** $149 million
- **Applications Received:** 421
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $404,701
- **Average Borrower Income:** $169,728
- **Average Property Value:** $617,174

## Safe Rate Awards 🏆

- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 64/100 | 351 | -0.365% | $3,795 | Strong 😀 |
| Jumbo | 68/100 | 16 | -0.267% | $7,988 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 300 loans, Score: 64/100 (Strong)
- Refinance: 51 loans, Score: 56/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 316 | $135M | -0.398% | Strong 😀 |
| Refinance | 54/100 | 52 | $14M | -0.185% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 367 | 0.40% | 82/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Knoxville, TN | TN | 336 | 87/100 |
| Non |  | 24 | 33/100 |

## Where This Lender Ranks

Home Federal Bank of Tennessee appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in Knoxville, TN for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#12** in Knoxville, TN Banks
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/banks)
- 🏆 **#12** in Knoxville, TN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Knoxville, TN for Jumbo Loans
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/jumbo-loans)
- 🏆 **#17** in Tennessee for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#18** in Tennessee for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Tennessee Banks
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does Home Federal Bank of Tennessee offer?

Home Federal Bank of Tennessee offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Home Federal Bank of Tennessee offer mortgages?

Home Federal Bank of Tennessee offers mortgages in 2 states: GA, TN.

### How competitive are Home Federal Bank of Tennessee's mortgage rates?

Home Federal Bank of Tennessee has a pricing score of 38/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.364% below market average.

### What type of lender is Home Federal Bank of Tennessee?

Home Federal Bank of Tennessee is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Knoxville, TN.

### What is Home Federal Bank of Tennessee's loan approval success rate?

Home Federal Bank of Tennessee has a pull-through score of 70/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/home-federal-bank-of-tennessee

### How to Cite

> "Home Federal Bank of Tennessee Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/home-federal-bank-of-tennessee

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