What loan types does Home Bank offer?

Home Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Home Bank offer mortgages?

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

How competitive are Home Bank's mortgage rates?

Home Bank has an overall pricing score of 56.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Home Bank?

Home Bank is a Bank headquartered in Lafayette, LA.

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Home Bank

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Home Bank has 139 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional · Jumbo

Place

Strong

4/5

Regional · 3 mkts

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Report Card

Home Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+18.7 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

Jumbo

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 4 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	127	91.4%	+0.173%Above	$1,174Fees
Jumbo Loans	Sound	Sound	—	—	10	7.2%	+0.283%Above	$2,113Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume127

Mix91.4%

Spread

+0.173%Above

Fees

$1,174Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume10

Mix7.2%

Spread

+0.283%Above

Fees

$2,113Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	116	83.5%	+0.154%Above	$1,224Fees
Refinance	Sound	Sound	Sound	Strong	23	16.5%	+0.290%Above	$1,147Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume116

Mix83.5%

Spread

+0.154%Above

Fees

$1,224Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume23

Mix16.5%

Spread

+0.290%Above

Fees

$1,147Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

139

Applications

217

Volume

$52 million

Pricing & Closing

Avg Rate Spread

+0.187%

vs. market APOR

Avg Net Fees

$1,206

Origination − Credits

Pullthrough Rate

64.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$376,367

Avg Borrower Income

$200,986

Avg Property Value

$557,230

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

South4

LAMSTNTX

Top Metro Areas by Place Specialization Score

Lafayette, LAMetro

Volume 66Mix 47.48% of portfolio

77/100

Strong

New Orleans, LAMetro

Volume 20Mix 14.39% of portfolio

56/100

Sound

Baton Rouge, LAMetro

Volume 13Mix 9.35% of portfolio

48/100

Sound

Top States by Place Specialization Score

LouisianaState

Volume 128Mix 92.09% of portfolio

73/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.