# Home Federal Bank

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


> **📋 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 is a bank, headquartered in Shreveport, LA, serving borrowers across 4 states, with 110 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 31% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300K2EV48DVSYNV15
- **Headquarters:** Shreveport, LA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** FL, LA, MS, TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.172%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,001
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 110
- **Dollar Volume:** $30 million
- **Applications Received:** 114
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $274,364
- **Average Borrower Income:** $157,036
- **Average Property Value:** $400,182

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 94 | +0.077% | $1,005 | Sound ☺️ |
| FHA | 34/100 | 10 | +0.750% | $1,150 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 52 loans, Score: 44/100 (Sound)
- Refinance: 42 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 43/100 | 64 | $17M | +0.235% | Sound ☺️ |
| Refinance | 62/100 | 46 | $14M | +0.070% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| LA | 103 | 0.30% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Shreveport | LA | 84 | 90/100 |
| Non |  | 23 | 38/100 |

## Where This Lender Ranks

Home Federal Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Shreveport for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/shreveport/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Shreveport Banks
  - [View Full Rankings](https://saferate.com/shreveport/best-mortgage-lenders/banks)
- 🏆 **#5** in Shreveport for Conventional Loans
  - [View Full Rankings](https://saferate.com/shreveport/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in Shreveport for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/shreveport/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#7** in Shreveport
  - [View Full Rankings](https://saferate.com/shreveport/best-mortgage-lenders)
- 🏆 **#10** in Louisiana for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#12** in Louisiana Banks
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/banks)
- 🏆 **#15** in Louisiana for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#18** in Louisiana for Conventional Loans
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

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

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

### Where does Home Federal Bank offer mortgages?

Home Federal Bank offers mortgages in 4 states: FL, LA, MS, TX.

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

Home Federal Bank has a pricing score of 69/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.172% above market average.

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

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

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

Home Federal Bank has a pull-through score of 56/100 (Sound). 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

### How to Cite

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

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