PlainLender

HOMELAND FEDERAL SAVINGS BANK

COLUMBIA, LA

HOMELAND FEDERAL SAVINGS BANK processed 311 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 254 loans with a 5.5% denial rate. Refinancing was the primary loan purpose. Based in COLUMBIA, LA. The approval rate of 81.7% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. HOMELAND FEDERAL SAVINGS BANK processed 311 HMDA-reported mortgage applications in 2024, originating 254 loans and denying 17 for a denial rate of 5.5% (applicants themselves withdrew 38 files before a decision). The average loan amount was $182,203. The lender reports under LEI 549300DOQN3O7NL3CA31 from COLUMBIA, LA.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. HOMELAND FEDERAL SAVINGS BANK's 81.7% origination rate tells you how often an application turned into funded money; the 5.5% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Other, Debt-to-income ratio, which together explain the majority of rejections. Most activity concentrated in Conventional loans (303 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

311
Applications
254
Originated
5.5%
Denial Rate
$182,203
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 303 254 14 $182,360
FHA 7 0 2 $173,571
USDA 1 0 1 $195,000

Top loan types — HOMELAND FEDERAL SAVINGS BANK

Top loan types — HOMELAND FEDERAL SAVINGS BANK Horizontal bar chart of the top 3 items by value (applications). Top loan types — HOMELAND FEDERAL SAVINGS BANK Top 3 1. Conventional 303 2. FHA 7 3. USDA 1 Top 5 loan types by application volume at HOMELAND FEDERAL SAVINGS BANK (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for HOMELAND FEDERAL SAVINGS BANK (LEI: 549300DOQN3O7NL3CA31) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
10
Other
5
Debt-to-income ratio
4
Employment history
1
Collateral
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Refinancing 148 134 $203,514
Home Purchase 109 76 $210,963
Other 35 28 $72,714
Home Improvement 17 16 $47,941
Cash-out Refinancing 2 0 $95,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 200 79.0% 6.5%
Black or African American 14 42.9% 14.3%
Asian 3 33.3% 0.0%
American Indian or Alaska Native 2 100.0% 0.0%
Joint 1 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 217 76.0% 6.9%
Hispanic or Latino 2 100.0% 0.0%
Joint 1 100.0% 0.0%

Nearby Lenders in LA

Other HMDA-reporting lenders in LA with similar activity. Compare any two side-by-side.

GMFS, LLC

BATON ROUGE, LA

8,161 apps 6,012 originated 3.3% denied

Eustis Mortgage Corp

New Orleans, LA

4,031 apps 2,848 originated 2.1% denied

DSLD Mortgage LLC

Baton Rouge, LA

3,819 apps 2,774 originated 7.8% denied

Mortgage Financial Services

Baton Rouge, LA

3,302 apps 2,138 originated 2.4% denied

Assurance Financial Group, L.L.C.

Baton Rouge, LA

3,092 apps 2,286 originated 4.2% denied
Compare HOMELAND FEDERAL SAVINGS BANK vs GMFS, LLC →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did HOMELAND FEDERAL SAVINGS BANK process?
HOMELAND FEDERAL SAVINGS BANK processed 311 mortgage applications in the 2023 HMDA reporting year. Of these, 254 were originated (approved and funded), 38 were withdrawn by the applicant, and 17 were denied.
What is HOMELAND FEDERAL SAVINGS BANK's mortgage approval rate?
HOMELAND FEDERAL SAVINGS BANK has an approval (origination) rate of 81.7%, meaning 81.7% of all applications resulted in a funded mortgage. The denial rate is 5.5%.
What is the average loan amount at HOMELAND FEDERAL SAVINGS BANK?
The average mortgage loan amount at HOMELAND FEDERAL SAVINGS BANK is $182,203.
What are the most common reasons for mortgage denial at HOMELAND FEDERAL SAVINGS BANK?
The most common reasons for mortgage denial at HOMELAND FEDERAL SAVINGS BANK are: Credit history, Other, Debt-to-income ratio. In total, 17 applications were denied out of 311 total applications.
What types of mortgage loans does HOMELAND FEDERAL SAVINGS BANK offer?
HOMELAND FEDERAL SAVINGS BANK processes Conventional, FHA, USDA loans. The most common type is Conventional with 303 applications and an average loan amount of $182,360.
What loan purposes does HOMELAND FEDERAL SAVINGS BANK serve?
HOMELAND FEDERAL SAVINGS BANK serves the following loan purposes: Refinancing (148 applications), Home Purchase (109 applications), Other (35 applications), Home Improvement (17 applications), Cash-out Refinancing (2 applications). Refinancing is the most common purpose.
Where is HOMELAND FEDERAL SAVINGS BANK located?
HOMELAND FEDERAL SAVINGS BANK is headquartered in COLUMBIA, LA. The lender is identified by LEI 549300DOQN3O7NL3CA31 in HMDA data.
How does HOMELAND FEDERAL SAVINGS BANK compare in lending across racial demographics?
HOMELAND FEDERAL SAVINGS BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 79.0% and denial rate of 6.5%; Black or African American applicants have an approval rate of 42.9% and denial rate of 14.3%; Asian applicants have an approval rate of 33.3% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.