Home Federal Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
79th3.9% deniedPricingmedian rate spread over APOR, weight 30%
37th0.39 ptsProcesswithdrawn + incomplete share, weight 15%
93rd1.0%Closing coststotal loan costs ÷ loan amount, weight 10%
54th1.81% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 313 | 290 | 5.1% | 5.2% | 6.75% | $68M |
| 2024 | 181 | 177 | 2.2% | 2.2% | 6.90% | $43M |
| 2025 | 207 | 197 | 3.9% | 3.9% | 6.75% | $47M |
What Home Federal Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 12 manufactured homes, 55 investment properties.
Why Home Federal Bank denies applications
Primary reason reported for each of the 8 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Home Federal Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 23 | 19 | 17.4% |
| $50k – $100k | 52 | 49 | 5.8% |
| $100k – $150k | 29 | 27 | 3.6% |
| $150k – $250k | 30 | 30 | 0.0% |
| Over $250k | 25 | 24 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 30 | 28 | 6.7% |
| 35–44 | 29 | 29 | 0.0% |
| 45–54 | 36 | 35 | 0.0% |
| 55–64 | 30 | 28 | 6.7% |
| 65–74 | 20 | 17 | 10.5% |
Where Home Federal Bank lends
5 states and 20 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Home Federal Bank denied 3.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 79th percentile of small mortgage lenders.
The most common reason Home Federal Bank gave in 2025 was "credit history", cited on 75.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Home Federal Bank originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.39 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 56% of its applications were for home purchases, 44% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 89% conventional, 9% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.