# Home Loan Investment Bank, F.S.B.

> **Canonical URL:** https://saferate.com/lenders/home-loan-investment-bank-fsb


> **📋 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 Loan Investment Bank, F.S.B. is a bank, headquartered in Warwick, RI, serving borrowers across 29 states, with 295 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 63% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300LLQD0X2OTG0Y27
- **Headquarters:** Warwick, RI
- **Geographic Reach:** Near-National
- **States Served:** 29
- **State List:** AZ, CA, CO, CT, DC, FL, ID, IL, IN, MA, MD, ME, MI, NC, NH, NJ, NV, NY, OH, OK, OR, PA, RI, TN, TX, UT, VA, VT, WA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.277%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,079
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 295
- **Dollar Volume:** $132 million
- **Applications Received:** 397
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $446,797
- **Average Borrower Income:** $170,664
- **Average Property Value:** $563,644

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 222 | +0.251% | $2,001 | Sound ☺️ |
| FHA | 60/100 | 44 | +0.429% | $2,742 | Sound ☺️ |
| VA | 37/100 | 10 | -0.191% | $1,948 | Acceptable 🙂 |
| Jumbo | 45/100 | 19 | +0.343% | $1,487 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 187 loans, Score: 50/100 (Sound)
- Refinance: 35 loans, Score: 46/100 (Sound)

**FHA:**
- Purchase: 42 loans, Score: 59/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 258 | $121M | +0.301% | Sound ☺️ |
| Refinance | 45/100 | 37 | $11M | +0.120% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| RI | 143 | 1.33% | 82/100 |
| MA | 39 | 0.06% | 56/100 |
| NH | 26 | 0.17% | 55/100 |
| CT | 22 | 0.06% | 51/100 |
| FL | 10 | 0.00% | 35/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Providence | RI-MA | 149 | 82/100 |
| Cambridge | MA | 17 | 49/100 |
| Rockingham County | NH | 15 | 50/100 |
| Non |  | 11 | 23/100 |

## Where This Lender Ranks

Home Loan Investment Bank, F.S.B. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Rhode Island for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/banks/va-loans)
- 🏆 **#7** in Rhode Island for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#8** in Providence for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/banks/va-loans)
- 🏆 **#10** in Providence for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#16** in Rhode Island Banks
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/banks)
- 🏆 **#19** in Rhode Island for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Providence Banks
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/banks)
- 🏆 **#20** in Rockingham County for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Home Loan Investment Bank, F.S.B. offer?

Home Loan Investment Bank, F.S.B. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Home Loan Investment Bank, F.S.B. offer mortgages?

Home Loan Investment Bank, F.S.B. offers mortgages in 29 states: AZ, CA, CO, CT, DC, FL, ID, IL, IN, MA, MD, ME, MI, NC, NH, NJ, NV, NY, OH, OK, OR, PA, RI, TN, TX, UT, VA, VT, WA.

### How competitive are Home Loan Investment Bank, F.S.B.'s mortgage rates?

Home Loan Investment Bank, F.S.B. has a pricing score of 37/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.277% above market average.

### What type of lender is Home Loan Investment Bank, F.S.B.?

Home Loan Investment Bank, F.S.B. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Warwick, RI.

### What is Home Loan Investment Bank, F.S.B.'s loan approval success rate?

Home Loan Investment Bank, F.S.B. has a pull-through score of 62/100 (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-loan-investment-bank-fsb

### How to Cite

> "Home Loan Investment Bank, F.S.B. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/home-loan-investment-bank-fsb

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