Home Federal Savings and Loan Association of Grand Island: 2025 mortgage rates, costs & approvals
How Home Federal Savings and Loan Association of Grand Island priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Home Federal Savings and Loan Association of Grand Island · LEI 254900IL7D0ACZ6YVF12
In 2025, Home Federal Savings and Loan Association of Grand Island originated 121 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 3 states — 1669th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $2,340, 58% lower than the national median ($5,570).
It denied 0.0% of completed home-purchase applications (all lenders: 8.5%).
How Home Federal Savings and Loan Association of Grand Island priced home-purchase loans
| Purchase loans, 2025 | Home Federal Savings and Loan Association of Grand Island | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.18 pts | +0.13 pts |
| Total loan costs · conventional | $2,340 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $750 | $1,860 |
| Borrowers paying discount points | 32.8% | 51.3% |
| Points paid, when paid (% of loan) | 0.25% | 0.87% |
| Borrowers receiving lender credits | 4.5% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Home Federal Savings and Loan Association of Grand Island lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Nebraska | 119 | 132 | 0.0% | 6.500% | $2,330 |
| Kansas | 1 | 1 | — | — | — |
| South Dakota | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Home Federal Savings and Loan Association of Grand Island's page for that state.
Counties where Home Federal Savings and Loan Association of Grand Island is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Nuckolls County, NE | 3 | 3 | 7.5% |
| Dawson County, NE | 5 | 18 | 6.6% |
| Hall County, NE | 5 | 43 | 6.5% |
| Frontier County, NE | 4 | 1 | 6.3% |
| Gosper County, NE | 6 | 1 | 5.6% |
| Howard County, NE | 11 | 2 | 2.8% |
| Webster County, NE | 8 | 1 | 2.8% |
| Polk County, NE | 11 | 1 | 1.6% |
| Adams County, NE | 12 | 5 | 1.5% |
| Clay County, NE | 15 | 1 | 1.2% |
| Custer County, NE | 13 | 1 | 1.2% |
| Hamilton County, NE | 15 | 2 | 1.2% |
| Phelps County, NE | 17 | 1 | 1.0% |
| Merrick County, NE | 22 | 1 | 0.9% |
| Gage County, NE | 25 | 2 | 0.7% |
Check Home Federal Savings and Loan Association of Grand Island yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 254900IL7D0ACZ6YVF12.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Home Federal Savings and Loan Association of Grand Island with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology