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Home Federal Savings and Loan Association of Grand Island
Bank|Grand Island, NE|Single State
Loans Originated
102
Applications
141
Volume
$21 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.252%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,023
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
72.3%
Percentage of applications that result in closed loans
Report Card
Home Federal Savings and Loan Association of Grand Island 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 | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Strong | Single State · 3 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$206,471
Average Borrower Income
$107,039
Average Property Value
$316,863
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Sound | Strong | 100 | 98.0% | +0.253% | $981 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Sound | Strong | Strong | 80 | 78.4% | +0.119% | $1,071 |
Refinance | Acceptable | Acceptable | N/A | Sound | 22 | 21.6% | +0.681% | $868 |
Geographic Coverage
Metro Areas
2
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
NE
Top Metro Areas by Place Specialization Score
1
Grand Island, NE, NEMSA
Volume: 35Mix: 34.31%
Place Specialization
Exceptional
2
Lincoln, NE, NEMSA
Volume: 13Mix: 12.75%
Place Specialization
Sound
Top States by Place Specialization Score
1
NEState
Volume: 102Mix: 100.00%
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.
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