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HFSL

Home Federal Savings and Loan Association of Grand Island

BankGrand Island, NEHQDirectReviews near you on Google

Home Federal Savings and Loan Association of Grand Island has 102 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate 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
Place
Strong
4/5
Single State · 2 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

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Report Card

Home Federal Savings and Loan Association of Grand Island performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+25.2 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
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume100
Mix98.0%
Spread
+0.253%Above
Fees
$981Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume80
Mix78.4%
Spread
+0.119%Above
Fees
$1,071Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing
Pull Through
Sound
Volume22
Mix21.6%
Spread
+0.681%Above
Fees
$868Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
102
Applications
141
Volume
$21 million
Pricing & Closing
Avg Rate Spread
+0.252%
vs. market APOR
Avg Net Fees
$1,023
Origination − Credits
Pullthrough Rate
72.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$206,471
Avg Borrower Income
$107,039
Avg Property Value
$316,863

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest1
NE

Top Metro Areas by Place Specialization Score

Volume 35Mix 34.31% of portfolio
87/100
Exceptional
Volume 13Mix 12.75% of portfolio
50/100
Sound

Top States by Place Specialization Score

Nebraska
Nebraska
1
NebraskaState
Volume 102Mix 100.00% of portfolio
74/100
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.