Looking for a different lender?
H
Home Bank, National Association
Bank|Lafayette, LA|Regional
Loans Originated
139
Applications
217
Volume
$52 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.187%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,206
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
64.1%
Percentage of applications that result in closed loans
Report Card
Home Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Regional · 4 metro areas · 4 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$376,367
Average Borrower Income
$200,986
Average Property Value
$557,230
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% | $1,174 |
Jumbo Loans | Sound | Sound | N/A | N/A | 10 | 7.2% | +0.283% | $2,113 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Sound | 116 | 83.5% | +0.154% | $1,224 |
Refinance | Sound | Sound | Sound | Strong | 23 | 16.5% | +0.290% | $1,147 |
Geographic Coverage
Metro Areas
3
States Served
4
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
LAMSTNTX
Top Metro Areas by Place Specialization Score
1
Lafayette, LA, LAMSA
Volume: 66Mix: 47.48%
Place Specialization
Strong
2
New Orleans, LAMSA
Volume: 20Mix: 14.39%
Place Specialization
Sound
3
Baton Rouge, LA, LAMSA
Volume: 13Mix: 9.35%
Place Specialization
Sound
Top States by Place Specialization Score
1
LAState
Volume: 128Mix: 92.09%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
Ready to Get Started?
Compare Home Bank, National Association with other lenders or get personalized recommendations.