Home Federal Bank mortgage approval rate & lending review
Home Federal Bank decided 537 mortgage applications and funded 509 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Home Federal Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Home Federal Bank at a glance
Approval is 14.4 points above the 80.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 186 / 199 | 100% | $235K | 186 |
| Cash-out refinance | 91% | 83 / 91 | 100% | $75K | 83 |
| Refinance | 92% | 82 / 89 | 100% | $275K | 82 |
| Investment property purchase | 100% | 73 / 73 | 100% | $75K | 73 |
| Investment refinance | 100% | 57 / 57 | 100% | $105K | 57 |
Home Federal Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Louisiana | 95% | $235K | 528 | 500 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Home Federal Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Caddo Parish, LA | Mortgage lenders | 94% | 127 | 120 |
| Bossier Parish, LA | Mortgage lenders | 91% | 65 | 59 |
| Caddo Parish, LA | Cash-out refinance | 92% | 48 | 44 |
| Caddo Parish, LA | Refinance | 91% | 45 | 41 |
| Bossier Parish, LA | Cash-out refinance | 91% | 43 | 39 |
| Bossier Parish, LA | Refinance | 93% | 41 | 38 |
| Caddo Parish, LA | Investment property purchase | 100% | 38 | 38 |
| Caddo Parish, LA | Investment refinance | 100% | 35 | 35 |
| Bossier Parish, LA | Investment property purchase | 100% | 24 | 24 |
The county markets where Home Federal Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Home Federal Bank
What is Home Federal Bank's mortgage approval rate?
Home Federal Bank approved 94.8% of the 537 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.4 points above the 80.4% national rate for the same mix of loan types.
How often do borrowers take the loan Home Federal Bank offers?
Borrowers accepted 100% of the loans Home Federal Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Home Federal Bank make?
The typical home purchase mortgage loan Home Federal Bank made was $235K; across all loan types its typical loan ran from $75K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Home Federal Bank lend?
Home Federal Bank decided applications in 9 of the states Fat Boy Data covers, most of them in Louisiana, Texas and Alabama.
Can I apply to Home Federal Bank directly?
Yes. Home Federal Bank is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Home Federal Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Home Federal Bank treats applications, then get a rate quote from the lender.