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Home Loan State Bank

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Home Loan State Bank Rates & Review June 2026

Q: How many branches does Home Loan State Bank operate?

Home Loan State Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Home Loan State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Home Loan State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 6, 2026

You can compare Home Loan State Bank rates to other rates in our database, including 12-month CD rates currently at 3.30%, 6-month CD rates at 3.76% and 3-month CD rates at 0.05%. Savings rates are at 0.05% and money market rates are at 1.77%. Mortgage rates on 30-year fixed loans are around 5.93%. All these rates can be compared to Home Loan State Bank rates. MonitorBankRates evaluates the financial stability of Home Loan State Bank with a 4.7 Star Rating, an A Overall Health Grade, and a Texas Ratio of 2.42%. Rates were last updated on 06/06/2026.

Home Loan State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Home Loan State Bank? Share your experience about Home Loan State Bank by leaving a review below, or read customer reviews before you decide to use Home Loan State Bank.

Verified Healthy Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

2.42%

Excellent Lower than avg

Home Loan State Bank

205 N 4th St
Grand Junction, CO 81501

https://www.hlsb.com

Current Rate Availability

We do not have Home Loan State Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Home Loan State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Home Loan State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Home Loan State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Home Loan State Bank

FDIC Certificate # 90040

Address 205 N 4th St, Grand Junction, CO 81501 · Mesa

Website https://www.hlsb.com

Established 12/16/1960

FDIC Insurance Date 09/28/1987

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

4.7

Excellent Out of 5.0 Stars

2.42%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0286%

Return on Equity (ROE) 20.6900%

Non-Performing Loans (NPL) 0.10%

Total Assets $234,020,000

Total Deposits $215,489,000

Equity Capital $15,718,000

Net Income $1,459,000

Headquarters Grand Junction

Total Offices 2

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

Home Loan State Bank earned the Verified Healthy badge

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Frequently Asked Questions About Home Loan State Bank

How many branches does Home Loan State Bank operate?

Home Loan State Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Home Loan State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Home Loan State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Home Loan State Bank offer online and mobile banking?

Most modern institutions like Home Loan State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hlsb.com.