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This institution is no longer active

Operations ceased on May 31, 2001. CRA examination history below reflects the period it was active.

HOME FEDERAL SAVINGS BANK

HAGERSTOWN, MD · Supervised by OTS

Est. 1898FDIC #29,889
Satisfactory Same

Current rating · Exam: January 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

122 - 128 West Washington Street, HAGERSTOWN, MD

County

Washington County

Established

January 1, 1898

Total Assets

$248M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 4, 1999

Exam Type

Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202489787.74%4.68%
20231,66582.4%7.33%
20222,04284.72%5.19%
20213,69984.46%6.24%
20205,04484.2%5.63%
20197,49079.39%10.72%
20186,54177.66%10.53%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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