# Home Federal Savings and Loan Association of Grand Island

> **Canonical URL:** https://saferate.com/lenders/home-federal-savings-and-loan-association-of-grand-island


> **📋 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 Savings and Loan Association of Grand Island is a bank, headquartered in Grand Island, NE, with 102 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 46% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900IL7D0ACZ6YVF12
- **Headquarters:** Grand Island, NE
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NE
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.252%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,023
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 102
- **Dollar Volume:** $21 million
- **Applications Received:** 141
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $206,471
- **Average Borrower Income:** $107,039
- **Average Property Value:** $316,863

## Safe Rate Awards 🏆

- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 100 | +0.253% | $981 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 78 loans, Score: 54/100 (Sound)
- Refinance: 22 loans, Score: 40/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 52/100 | 80 | $18M | +0.119% | Sound ☺️ |
| Refinance | 38/100 | 22 | $3M | +0.681% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NE | 102 | 0.48% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 50 | 51/100 |
| Grand Island, NE | NE | 35 | 87/100 |
| Lincoln, NE | NE | 13 | 50/100 |

## Where This Lender Ranks

Home Federal Savings and Loan Association of Grand Island appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Grand Island, NE Banks
  - [View Full Rankings](https://saferate.com/grand-island-ne/best-mortgage-lenders/banks)
- 🏆 **#6** in Grand Island, NE
  - [View Full Rankings](https://saferate.com/grand-island-ne/best-mortgage-lenders)
- 🏆 **#7** in Grand Island, NE for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/grand-island-ne/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Grand Island, NE for Conventional Loans
  - [View Full Rankings](https://saferate.com/grand-island-ne/best-mortgage-lenders/conventional-loans)
- 🏆 **#19** in Lincoln, NE for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Home Federal Savings and Loan Association of Grand Island offer?

Home Federal Savings and Loan Association of Grand Island offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Home Federal Savings and Loan Association of Grand Island offer mortgages?

Home Federal Savings and Loan Association of Grand Island offers mortgages in 1 states: NE.

### How competitive are Home Federal Savings and Loan Association of Grand Island's mortgage rates?

Home Federal Savings and Loan Association of Grand Island has a pricing score of 54/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.252% above market average.

### What type of lender is Home Federal Savings and Loan Association of Grand Island?

Home Federal Savings and Loan Association of Grand Island is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Grand Island, NE.

### What is Home Federal Savings and Loan Association of Grand Island's loan approval success rate?

Home Federal Savings and Loan Association of Grand Island has a pull-through score of 59/100 (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-savings-and-loan-association-of-grand-island

### How to Cite

> "Home Federal Savings and Loan Association of Grand Island Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/home-federal-savings-and-loan-association-of-grand-island

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