Home Loan Investment Bank, F.S.B.
Home Loan Investment Bank, F.S.B. received 1,196 applications in 2025 and made 581 mortgages, in 437 counties across 46 states. The median rate its borrowers got was 6.990% on a median loan of $155,000. Of 832 decisions, 240 were denials — 28.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300LLQD0X2OTG0Y27 |
|---|---|
| Applications received | 1,196 |
| Mortgages made | 581 |
| Denied | 240 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 364 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.051 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 235 | 6.500% | $365,000 | 8.3% |
| Refinancing | 38 | 6.188% | $385,000 | 5.0% |
| Cash-out refinancing | 53 | 7.000% | $195,000 | 15.6% |
| Other purposes | 255 | 8.250% | $25,000 | 44.4% |
Where Home Loan Investment Bank, F.S.B. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Providence County, RI | 87 | 6.625% | 12.0% |
| Kent County, RI | 76 | 6.625% | 9.1% |
| Essex County, MA | 21 | 6.490% | 0.0% |
| Newport County, RI | 21 | 6.750% | 8.7% |
| Rockingham County, NH | 18 | 6.370% | 10.0% |
| Washington County, RI | 17 | 6.875% | 0.0% |
| Kent County, DE | 12 | 8.500% | 36.8% |
| Norfolk County, MA | 12 | 6.975% | 7.7% |
| Bristol County, MA | 11 | 6.875% | 8.3% |
| Middlesex County, MA | 9 | Under 10 loans | 0.0% |
| Northeastern Connecticut Planning Region, CT | 8 | Under 10 loans | 11.1% |
| Hillsborough County, NH | 8 | Under 10 loans | 25.0% |
| Sussex County, DE | 7 | Under 10 loans | 42.9% |
| Worcester County, MA | 7 | Under 10 loans | 36.4% |
| Lafayette Parish, LA | 5 | Under 10 loans | 16.7% |
| Barnstable County, MA | 5 | Under 10 loans | 16.7% |
| Plymouth County, MA | 4 | Under 10 loans | 16.7% |
| Suffolk County, MA | 4 | Under 10 loans | 0.0% |
| Bristol County, RI | 4 | Under 10 loans | 20.0% |
| Weld County, CO | 3 | Under 10 loans | 0.0% |
| Nassau County, FL | 3 | Under 10 loans | 0.0% |
| Lake County, IN | 3 | Under 10 loans | 40.0% |
| Jefferson County, KY | 3 | Under 10 loans | 0.0% |
| York County, ME | 3 | Under 10 loans | 0.0% |
| Caroline County, MD | 3 | Under 10 loans | 0.0% |
| Hampden County, MA | 3 | Under 10 loans | 25.0% |
| St. Louis city, MO | 3 | Under 10 loans | 0.0% |
| Queens County, NY | 3 | Under 10 loans | 25.0% |
| Horry County, SC | 3 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 50.0% |
| Los Angeles County, CA | 2 | Under 10 loans | 80.0% |
| Riverside County, CA | 2 | Under 10 loans | 33.3% |
| San Diego County, CA | 2 | Under 10 loans | 0.0% |
| Elbert County, CO | 2 | Under 10 loans | 0.0% |
| St. Lucie County, FL | 2 | Under 10 loans | 0.0% |
| Cook County, IL | 2 | Under 10 loans | 50.0% |
| Johnson County, KS | 2 | Under 10 loans | 0.0% |
| East Baton Rouge Parish, LA | 2 | Under 10 loans | 0.0% |
| Livingston Parish, LA | 2 | Under 10 loans | 33.3% |
| Somerset County, MD | 2 | Under 10 loans | 33.3% |
| Jackson County, MO | 2 | Under 10 loans | 33.3% |
| Cheshire County, NH | 2 | Under 10 loans | 0.0% |
| Columbus County, NC | 2 | Under 10 loans | 0.0% |
| Davidson County, NC | 2 | Under 10 loans | 0.0% |
| Harnett County, NC | 2 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 2 | Under 10 loans | 0.0% |
| Franklin County, OH | 2 | Under 10 loans | 0.0% |
| Hamilton County, OH | 2 | Under 10 loans | 0.0% |
| Huron County, OH | 2 | Under 10 loans | 0.0% |
| Creek County, OK | 2 | Under 10 loans | 0.0% |
Get told when this changes
When Home Loan Investment Bank, F.S.B.’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.